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    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-371": {
   "value": "-29575000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-372": {
   "value": "-1282000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-373": {
   "value": "3559000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:EffectOfExchangeRateChangesOnCashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-374": {
   "value": "21936000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-375": {
   "value": "-183340000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:IncreaseDecreaseInCashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-376": {
   "value": "152240000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-377": {
   "value": "335580000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2024-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-378": {
   "value": "21936000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "dnbbankasa:NetCashFlow",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-379": {
   "value": "-183340000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "dnbbankasa:NetCashFlow",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-380": {
   "value": "174176000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-381": {
   "value": "152240000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-382": {
   "value": "162780000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndBankBalancesAtCentralBanks",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-383": {
   "value": "147944000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndBankBalancesAtCentralBanks",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-384": {
   "value": "11396000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "dnbbankasa:DepositsWithCreditInstitutionsWithNoAgreedPeriodOfNotice",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-385": {
   "value": "4296000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "dnbbankasa:DepositsWithCreditInstitutionsWithNoAgreedPeriodOfNotice",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:NOK"
   }
  },
  "fact-386": {
   "value": "Selskapsinfor<span class=\"_ _1\"></span>masjon<span class=\"ls0 ws0\"> </span>DNB Bank ASA er et norsk allmennaksjeselsk<span class=\"_ _5\"></span>ap notert p\u00e5 Oslo B\u00f8rs. Konsernregnskapet for 2025 ble godkjent av styret 10. mars <span class=\"wscf\">2026.<span class=\"ls0 ws0\"> </span></span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet</span></span><span class=\"ls0 ws0\"><span class=\"lsaf wsf6\"> </span><span class=\"lsaf wsf6\">t<span class=\"_ _5\"></span>ilbyr banktjenester, verdi<span class=\"_ _5\"></span>papir</span>- <span class=\"lsaf wsf6\">og inve<span class=\"lsbc ws103\">ste<span class=\"lsbd ws104\">rin<span class=\"_ _5\"></span>gs</span></span>t<span class=\"_ _5\"></span>jenester, eiendomsmeglertjenest<span class=\"_ _5\"></span>er og forsikrings</span>- <span class=\"lsaf wsd2\">og for<span class=\"wsf6\">v<span class=\"_ _5\"></span>altningstjenester for </span></span></span>person<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og bedriftsmark<span class=\"_ _5\"></span>edet</span><span class=\"wsf6\"> i Norge og internasjonalt. <span class=\"ls0 ws0\"> </span></span>Konsernets hovedk<span class=\"_ _5\"></span>ontor har bes\u00f8ksadresse Dronning Eufemias gate 30, Bj\u00f8rvik<span class=\"_ _5\"></span>a, Oslo, Norge.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-468": {
   "value": "Selskapsinfor<span class=\"_ _1\"></span>masjon<span class=\"ls0 ws0\"> </span>DNB Bank ASA er et norsk allmennaksjeselsk<span class=\"_ _5\"></span>ap notert p\u00e5 Oslo B\u00f8rs. Konsernregnskapet for 2025 ble godkjent av styret 10. mars <span class=\"wscf\">2026.<span class=\"ls0 ws0\"> </span></span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet</span></span><span class=\"ls0 ws0\"><span class=\"lsaf wsf6\"> </span><span class=\"lsaf wsf6\">t<span class=\"_ _5\"></span>ilbyr banktjenester, verdi<span class=\"_ _5\"></span>papir</span>- <span class=\"lsaf wsf6\">og inve<span class=\"lsbc ws103\">ste<span class=\"lsbd ws104\">rin<span class=\"_ _5\"></span>gs</span></span>t<span class=\"_ _5\"></span>jenester, eiendomsmeglertjenest<span class=\"_ _5\"></span>er og forsikrings</span>- <span class=\"lsaf wsd2\">og for<span class=\"wsf6\">v<span class=\"_ _5\"></span>altningstjenester for </span></span></span>person<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og bedriftsmark<span class=\"_ _5\"></span>edet</span><span class=\"wsf6\"> i Norge og internasjonalt. <span class=\"ls0 ws0\"> </span></span>Konsernets hovedk<span class=\"_ _5\"></span>ontor har bes\u00f8ksadresse Dronning Eufemias gate 30, Bj\u00f8rvik<span class=\"_ _5\"></span>a, Oslo, Norge. <span class=\"ls0 ws0\"> </span>Grunnlag for<span class=\"_ _1\"></span> utarbeidelse av regnskape<span class=\"_ _1\"></span>t<span class=\"ls0 ws0\"> </span>DNB har avlagt konsernregnsk<span class=\"_ _5\"></span>apet for 2025 i samsvar med IFRS\u00ae <span class=\"_ _1\"></span>Accounti<span class=\"_ _5\"></span>ng Standards, som er utgitt av International Accounti<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Standards </span>Board (IASB) og godkjent av den europeiske unionen (EU). <span class=\"ls0 ws0\"> </span>Konsernregnskapet<span class=\"_ _5\"></span> er basert p\u00e5 historisk kost<span class=\"ls0 ws0\">-</span>prinsippet med unntak av finansi<span class=\"_ _5\"></span>elle eiendeler og forpliktelser m\u00e5lt til virkel<span class=\"_ _5\"></span>ig verdi og investerings<span class=\"_ _5\"></span>eiendommer. Konsern<span class=\"wscf\">regn</span>skapet er pres<span class=\"_ _5\"></span>entert i norske kroner. Om ikke annet er angitt, avrundes verdiene t<span class=\"lsbe ws104\">i<span class=\"_ _5\"></span>l n\u00e6r</span>mest<span class=\"_ _5\"></span>e million. <span class=\"ls0 ws0\"> </span>Konsernets bal<span class=\"_ _5\"></span>anseoppstilling er i hovedsak basert p\u00e5 en vurdering av balansepos<span class=\"_ _5\"></span>tenes likviditet.<span class=\"ls0 ws0\"> </span>Endringer i<span class=\"_ _1\"></span> regnskapsprinsipper<span class=\"ls0 ws0\"> </span>Kontantsikkerhet avg<span class=\"_ _5\"></span>itt og mottatt<span class=\"fffd ls0 ws0\"> </span>Fra og med 1. juli 2025 har DNB<span class=\"ls0 ws0\">-</span>konsernet presentert avgitt<span class=\"_ _5\"></span> kontantsikkerhet som en fordring under \"Andre eiendeler\" og mottatt kontantsikk<span class=\"_ _5\"></span>erhet som gjeld under \"Annen gjeld\".<span class=\"ls0 ws0\"> </span>Kontants<span class=\"_ _5\"></span>ikkerhet som er avgitt og mottatt i forbindelse med derivater ble tidligere presentert under \"Finansi<span class=\"_ _5\"></span>elle derivater\".<span class=\"ls0 ws0\"> </span>Endringene gjens<span class=\"_ _5\"></span>peiles i sammenlikningstal<span class=\"_ _5\"></span>lene.<span class=\"ls0 ws0\"> </span>Konsolide<span class=\"_ _1\"></span>ring <span class=\"ls0 ws0\"> </span>I konsernregnskapet<span class=\"_ _5\"></span> for DNB Bank ASA (\u00abDNB\u00bb eller \u00ab<span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet\u00bb) inng\u00e5r DNB Livsforsikri<span class=\"_ _5\"></span>ng AS, DNB Asset Management Holding AS <span class=\"lsbb ws106\">og DNB </span>Carnegie Holding AB, alle med underliggende datters<span class=\"_ _5\"></span>elskaper.<span class=\"ls0 ws0\"> </span>Regnskaps<span class=\"_ _5\"></span>prinsippene anvendes konsistent ved innarbeiding av eierinteress<span class=\"_ _5\"></span>er i datterselskaper og er basert p\u00e5 de samme rapporteringsperiodene s<span class=\"_ _5\"></span>om for morselskapet. <span class=\"ls0 ws0\"> </span>Ved utarbeidelse av konsernregnsk<span class=\"_ _5\"></span>apet elimineres konsernint<span class=\"_ _5\"></span>erne transaksjoner, balanser og gevinster og tap p\u00e5 transak<span class=\"wsd2\">sj<span class=\"_ _5\"></span>oner mellom enheter </span>i konsernet.<span class=\"ls0 ws0\"> </span>Omregni<span class=\"_ _5\"></span>ng av tra<span class=\"_ _5\"></span>nsaksjoner i<span class=\"_ _5\"></span> utenlandsk<span class=\"_ _5\"></span> valuta <span class=\"ls0 ws0\"> </span>Utenlandsk<span class=\"_ _5\"></span>e filialers og datterselskapers bal<span class=\"_ _5\"></span>anser i annen valuta enn norske kroner omregnes til norske kroner etter valutakurs p\u00e5 balan<span class=\"lsbf ws107\">se<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>dagen. Resultatene omregnes<span class=\"_ _5\"></span> etter gjennomsnittlige valutakurs<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span>Vedtatte, i<span class=\"_ _5\"></span>kke<span class=\"ls0 ws0\">-<span class=\"lsba ws105\">ikrafttr\u00e5dte standar<span class=\"_ _1\"></span>der og fortolkninger<span class=\"ls0 ws0\"> </span></span></span>IFRS 18<span class=\"_ _5\"></span> Presentati<span class=\"_ _5\"></span>on and Disclos<span class=\"_ _5\"></span>ure in Fina<span class=\"_ _5\"></span>ncial Statem<span class=\"_ _5\"></span>ents<span class=\"ls0 ws0\"> </span>I april 2024 utga IASB den nye standarden for presentasjon av finansregnskap,<span class=\"_ _5\"></span> IFRS 18 \u00abPresentation and Disclosure in Financi<span class=\"wscf\">al </span>Statements\u2019<span class=\"_ _5\"></span>\u00bb, som vil erstatte IAS 1, \u00abOpplysninger om regnskapsprinsipper\u00bb. Form\u00e5let med IFRS 18 er \u00e5 forbedre hvordan enhet<span class=\"lsc1 wsce\">er </span><span class=\"wscf\">f<span class=\"_ _5\"></span>ormidler </span>finansi<span class=\"_ _5\"></span>elle resultater i regnskapet, med fokus p\u00e5 resultatregnsk<span class=\"_ _5\"></span>apet og rapporteringen av finansielle resultater. <span class=\"ls0 ws0\"> </span>Den nye standarden vil tre i kraft for \u00e5rlige rapporterings<span class=\"_ _5\"></span>perioder som begynner p\u00e5 eller etter 1. januar 2027, og det er tillatt \u00e5 anvende den tidligere.<span class=\"_ _5\"></span> Standarden <span class=\"_ _5\"></span>er tiltr\u00e5dt <span class=\"_ _5\"></span>av EU. <span class=\"wscf\">Kons<span class=\"_ _5\"></span>ernet<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">har forel\u00f8pig ingen planer om \u00e5 innf\u00f8re disse endringene f\u00f8r ikraftt<span class=\"_ _5\"></span>redelsesdatoen.<span class=\"ls0 ws0\"> </span></span></span>DNB vurderer hvordan post<span class=\"_ _5\"></span>ene i resultatregnskapet skal klassifiseres<span class=\"_ _5\"></span> i de tre nye kategoriene introdusert i IFRS 18. DNB forventer at hoveddelene av postene vil bli inkludert i<span class=\"_ _5\"></span> driftskategorien, mens enkelte post<span class=\"_ _5\"></span>er fortsatt er gjenstand for vurdering.<span class=\"ls0 ws0\"> </span>Standarden ventes ikk<span class=\"_ _5\"></span>e \u00e5 ha noen<span class=\"_ _1\"></span> <span class=\"wscf\">vesent<span class=\"_ _5\"></span>lige </span>finansiell<span class=\"_ _5\"></span>e effekter for D<span class=\"_ _1\"></span>NB,<span class=\"_ _5\"></span> da IFRS 18 fokuserer p\u00e5 presentasjon og opplysninger i regnskap. <span class=\"ls0 ws0\"> </span>Betydelige<span class=\"_ _5\"></span> <span class=\"lsba ws105\">regnskapsestimate<span class=\"_ _1\"></span>r, skj\u00f8nn og forutse<span class=\"_ _1\"></span>tninger<span class=\"ls0 ws0\"> </span></span>Utarbeidelse av kons<span class=\"_ _5\"></span>ernregnskapet medf\u00f8rer at ledelsen utarbeider est<span class=\"_ _5\"></span>imater, gj\u00f8r skj\u00f8nnsmessige vurderinger og tar forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger som </span>p\u00e5virker anvendels<span class=\"_ _5\"></span>en av regnskapsprinsipper, herunder regns<span class=\"_ _5\"></span>kapsf\u00f8rte bel\u00f8p for eiendeler, forplikt<span class=\"_ _5\"></span>elser, inntekter, kostnader og informasjon om<span class=\"_ _5\"></span> potensiel<span class=\"_ _5\"></span>le forpliktelser. Estimat<span class=\"_ _5\"></span>er <span class=\"_ _1\"></span>og forutset<span class=\"_ _5\"></span>ninger evalueres l\u00f8pende og er basert p\u00e5 historisk erfaring og andre faktorer<span class=\"_ _5\"></span><span class=\"wsd2\">, inklus<span class=\"_ _5\"></span>ive for<span class=\"lsbd ws104\">v<span class=\"_ _5\"></span>ent<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>ninger om framtidi<span class=\"_ _5\"></span>ge hendelser som anses \u00e5 <span class=\"_ _1\"></span>v\u00e6<span class=\"_ _5\"></span>re sannsynlige p\u00e5 balansetidspunktet. <span class=\"ls0 ws0\"> </span>Nedsk<span class=\"_ _1\"></span>rivnin<span class=\"_ _1\"></span>ger p\u00e5 fin<span class=\"_ _1\"></span>ansi<span class=\"_ _1\"></span>elle in<span class=\"_ _1\"></span>strumen<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span>Se note K5 Styring av kredittrisiko for inf<span class=\"_ _5\"></span>ormasjon om styring og oppf\u00f8ling av kredittrisiko og note K6 M\u00e5ling av forventet k<span class=\"wsd2\">redittap f<span class=\"_ _5\"></span>or </span>informasjon om metodikk<span class=\"_ _5\"></span> for \u00e5 estimere nedskrivninger inkludert en vurdering av estimatusikkerhet.<span class=\"_ _1c5\"> </span>Virke<span class=\"_ _5\"></span>lig verdi p\u00e5 fi<span class=\"_ _5\"></span>nansielle<span class=\"_ _5\"></span> derivate<span class=\"_ _5\"></span>r og andre fina<span class=\"_ _5\"></span>nsielle i<span class=\"_ _5\"></span>nstrumenter<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi p\u00e5 finansielle instrumenter som ikke handles i et aktivt marked fastsettes v<span class=\"_ _5\"></span>ed \u00e5 benytte ulike verdsettelsesteknikker. K<span class=\"_ _5\"></span>onsernet vurderer og velger metoder og forutset<span class=\"_ _5\"></span>ninger som s\u00e5 langt som mulig er basert p\u00e5 observerbare markedsdata som representerer markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>forholdene p\u00e5 balans<span class=\"_ _5\"></span>edagen. Ved m\u00e5ling av finansielle instrumenter hvor observerbare markedsdat<span class=\"_ _5\"></span>a ikke er tilgjengelig, gj\u00f8r k<span class=\"_ _5\"></span><span class=\"wscf\">onsernet </span>antagelser om hva markedsakt\u00f8rer v<span class=\"_ _5\"></span>il legge til grunn ved verdsettelse av tilsvarende finansiel<span class=\"_ _5\"></span>le instr<span class=\"ls0 ws0\">u</span>menter. I verdsettelsene k<span class=\"_ _5\"></span>reves det utstrakt bruk av skj\u00f8nn blant annet ved beregning av likvi<span class=\"_ _5\"></span>ditetsrisiko, kredit<span class=\"_ _5\"></span>trisiko og volatilitet. En endring i de nevnte faktorene vil p\u00e5vi<span class=\"_ _5\"></span>rke fastsatt vi<span class=\"_ _5\"></span>rkelig verdi p\u00e5 konsernets finansielle inst<span class=\"_ _5\"></span>rumenter. For mer informasjon se note K29 Finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi. <span class=\"ls0 ws0\"> </span>M\u00e5ling<span class=\"_ _1\"></span> av fo<span class=\"_ _1\"></span>rpli<span class=\"_ _1\"></span>ktels<span class=\"_ _1\"></span>er fra <span class=\"_ _1\"></span>forsikr<span class=\"_ _1\"></span>ingsko<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>kter i D<span class=\"_ _1\"></span>NB L<span class=\"_ _1\"></span>ivsfo<span class=\"_ _1\"></span>rsikrin<span class=\"_ _1\"></span>g<span class=\"ls0 ws0\"> </span>N\u00e5r det gjelder forsikringsf<span class=\"_ _5\"></span>orpliktelser, er risik<span class=\"_ _5\"></span>o og usikkerhet hovedsakelig knyttet til renteniv<span class=\"_ _5\"></span>\u00e5, samt sannsynligheten for d\u00f8d og uf\u00f8rhet. \u00d8kt forventet leveal<span class=\"_ _5\"></span>der p\u00e5virker framtidig forventede forsikrings<span class=\"_ _5\"></span>utbetalinger og forplikt<span class=\"_ _5\"></span>elser. Rentekurven som benyttes som utgangspunkt for m\u00e5ling av forsikringsforpl<span class=\"_ _5\"></span>iktelsene best\u00e5r av risikofri<span class=\"_ _5\"></span> rente og en illikviditetspremie. Ledels<span class=\"_ _5\"></span>en bestemmer prinsippene for rentekurven. Il<span class=\"_ _5\"></span>likviditets<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>premien av<span class=\"_ _5\"></span>ledes fra sel<span class=\"_ _5\"></span>skaps<span class=\"wscf\">obligasjonsi<span class=\"_ _5\"></span>ndekser. <span class=\"ls0 ws0\"> </span></span>Verdi<span class=\"_ _5\"></span>vurdering av<span class=\"_ _5\"></span> eiendommer<span class=\"_ _5\"></span> i DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>ngseiendom m\u00e5les til virkelig verdi ved \u00e5 diskontere framtidige forv<span class=\"_ _5\"></span>entede netto kontantstr\u00f8mmer til sin n\u00e5verdi. Fastsett<span class=\"_ _5\"></span>else av de framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmene krever anvendels<span class=\"_ _5\"></span>e av betydelig skj\u00f8nn og de <span class=\"_ _1\"></span>vi<span class=\"_ _5\"></span>rkelige verdiene avhenger i betydelig grad av forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger om </span>framti<span class=\"_ _5\"></span>den, eksempelvis avkastningskrav og niv\u00e5 p\u00e5 framtidig markedsl<span class=\"_ _5\"></span>eie. Se note K35 <span class=\"ls0 ws0\">I</span>nvesteringseiendommer for forutset<span class=\"_ _5\"></span>ninger som er lagt til grunn ved beregning av virkelig verdi av<span class=\"_ _5\"></span> eiendomsportef\u00f8ljen i DNB Livsfors<span class=\"_ _5\"></span>ikring. <span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktsskatt<span class=\"_ _5\"></span>, herunder uts<span class=\"_ _5\"></span>att skatt<span class=\"_ _5\"></span>eforde<span class=\"_ _5\"></span>l og usikre skatt<span class=\"_ _5\"></span>eforplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span>Konsernet skattl<span class=\"_ _5\"></span>egges for inntekt innenfor mange jurisdiksjoner. Betydeli<span class=\"_ _5\"></span>g bruk av skj\u00f8nn er p\u00e5krevd for \u00e5 fastsette inntekts<span class=\"wsd2\">skatt<span class=\"_ _5\"></span>en i konsern<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>regnskapet, herunder v<span class=\"_ _5\"></span>urderinger av innregning av utsatt skattefordel og usikre skattef<span class=\"_ _5\"></span>orpliktelser. <span class=\"ls0 ws0\"> </span>Konsernet innregner uts<span class=\"_ _5\"></span>att skattefordel med det bel\u00f8p som sannsynlig vil kunne benyttes mot framtidi<span class=\"_ _5\"></span>g skattepliktig inntekt. <span class=\"wscf\">Omfattende </span>vurderinger m\u00e5 gj\u00f8<span class=\"_ _5\"></span>res for \u00e5 fastsette bel\u00f8pet som kan innregnes, herunder forventet tidspunkt for utnyttels<span class=\"_ _5\"></span>e, niv\u00e5et p\u00e5 skattemessig positivt resultat s<span class=\"_ _5\"></span>\u00e5 vel som <span class=\"_ _5\"></span>strategier for sk<span class=\"_ _5\"></span>atte<span class=\"wscf\">plan<span class=\"wsf6\">legging og eksistens<span class=\"_ _5\"></span>en av skattepliktige midlerti<span class=\"_ _5\"></span>dige for<span class=\"lsb9 wsff\">skjeller. <span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span></span>For mange transaksjoner og beregninger vi<span class=\"_ _5\"></span>l det v\u00e6re usik<span class=\"wscf\">ker</span>het knyttet til den endelige skatt<span class=\"_ _5\"></span>eforpliktelsen. Konsernet innregner sk<span class=\"_ _5\"></span>atte<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>forpliktel<span class=\"_ _5\"></span>ser knyttet til framtidige avgj\u00f8rels<span class=\"_ _5\"></span>er i skattesaker basert p\u00e5 estimater for endret inntektssk<span class=\"_ _5\"></span>att. Ved vurdering av innregning av usikre skatteforpli<span class=\"_ _5\"></span>ktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig. Hvis det endelige utfall av sakene avviker f<span class=\"_ _5\"></span>ra opprinnelig avsatt bel\u00f8p innregnet i balans<span class=\"_ _5\"></span>en, vil avviket p\u00e5virke regnskapsf\u00f8rt skatte<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nad i <span class=\"wscf\">res<span class=\"_ _5\"></span>ultatregn</span></span>skapet den perioden avviket fastsl\u00e5s.<span class=\"ls0 ws0\"> </span>For mer informasjon se note K25 Skatt.<span class=\"ls0 ws0\"> </span>Avset<span class=\"_ _5\"></span>ninger<span class=\"ls0 ws0\"> </span>Det anvendes skj\u00f8nn n\u00e5r det skal avgj\u00f8res hvorvidt en eksisterende plik<span class=\"_ _5\"></span>t er identifisert, og n\u00e5r sannsynlighet, oppgj\u00f8<span class=\"_ _5\"></span>rstidspunkt og bel\u00f8p for str\u00f8mmen av \u00f8konomiske fordeler ut av konsernet skal estimeres<span class=\"_ _5\"></span>. Avsetninger for krav i rettsaker og i regulatorisk<span class=\"_ _5\"></span>e forhold vil typisk kreve et h\u00f8yere niv\u00e5 av skj\u00f8nnsanvendelse enn andre typer avset<span class=\"_ _5\"></span>ninger. For mer informasjon se note K51 Betingede utfall.<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>l styring i DNB er orientert mot de ulike kundesegmentene. Oppf\u00f8lging av det totale kundef<span class=\"_ _5\"></span>orholdet og l\u00f8nnsomhet i k<span class=\"wscf\">undesegmentene </span>er viktige dimensjoner ved strat<span class=\"_ _5\"></span>egiske prioriteringer og allok<span class=\"_ _5\"></span>ering av ressursene. Rapporterte tall f<span class=\"_ _5\"></span>or de <span class=\"_ _1\"></span>ulik<span class=\"_ _5\"></span>e seg<span class=\"wsd2\">mentene reflekt<span class=\"_ _5\"></span>erer konsernets </span>samlede salg av produkter og tjenest<span class=\"_ _5\"></span>er til de relevante kundesegmentene.<span class=\"ls0 ws0\"> </span>Alle konsernets kunderett<span class=\"_ _5\"></span>ede aktiviteter er fordelt til driftss<span class=\"_ _5\"></span>egmentene med tilh\u00f8rende balanseposter, inntekt<span class=\"_ _5\"></span>er og kostnader<span class=\"lsbc ws103\">. <span class=\"ls0 ws0\"> </span></span>Over<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller undersk<span class=\"_ _5\"></span>uddslikviditet fra driftss<span class=\"_ _5\"></span>egmentene plasseres i eller l\u00e5nes fra konsernets likviditets<span class=\"_ _5\"></span>funksjon til markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>betingelser, hvor </span>rentevilk\u00e5rene er til<span class=\"_ _5\"></span>passet bindingstiden og konsernets finansieringss<span class=\"_ _5\"></span>ituasjon.<span class=\"ls0 ws0\"> </span>N\u00e5r driftssegment<span class=\"_ _5\"></span>ene samarbeider om levering av finansielle tjenester til kunder, pris<span class=\"_ _5\"></span>es de interne leveransene til markedsvi<span class=\"lsbe ws10b\">lk<span class=\"_ _5\"></span>\u00e5r. <span class=\"ls0 ws0\"> </span></span>Tjenest<span class=\"_ _5\"></span>er levert fra fellesfunksjoner og staber belastes driftssegm<span class=\"_ _5\"></span>entene basert p\u00e5 leveranseavtaler. Felleskostnader som er <span class=\"lsbc ws10c\">indire<span class=\"_ _1\"></span>kte knyt<span class=\"_ _1\"></span>tet til </span>driftss<span class=\"_ _5\"></span>egmentenes virksomhet, belastes de ulik<span class=\"_ _5\"></span>e driftssegmentene p\u00e5 bakgrunn av fordelingsn\u00f8kler. <span class=\"ls0 ws0\"> </span>En del sentrale funksjoner og resultat av v<span class=\"_ _5\"></span>irksomhet som ikke er knyttet til driftssegmentene strategis<span class=\"_ _5\"></span>ke oppgaver, er regnsk<span class=\"lsbd\">a<span class=\"_ _5\"></span>ps<span class=\"_ _5\"></span>mess<span class=\"_ _5\"></span>i<span class=\"_ _5\"></span>g s<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>le<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> </span>\u00d8vrig virksomhet. Dette omfatt<span class=\"_ _5\"></span>er inntekter og kostnader ved konsernets likv<span class=\"_ _5\"></span>iditetsstyring, inntekt<span class=\"_ _5\"></span>er fra posisjonering i egenkapitalinst<span class=\"_ _5\"></span>rumenter utenom handelsportef<span class=\"_ _5\"></span>\u00f8ljen og renteinntekt<span class=\"_ _5\"></span>er tilordnet konsernets uallokerte kapital, eierrelatert<span class=\"_ _5\"></span>e kostnader og forvaltningsr<span class=\"_ _5\"></span>esultatet fra bankens eiendomsport<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span>Resultat fra overt<span class=\"_ _5\"></span>att virksomhet som er fullt konsolidert i DNB<span class=\"ls0 ws0\">-</span>konsernet,<span class=\"_ _5\"></span> er presentert netto p\u00e5 linjen \u00abResultat overtatt virksom<span class=\"_ _5\"></span>het\u00bb i den interne rapporteringen av<span class=\"_ _5\"></span> segmentene. Effekten av konsolideringen av overtatt virks<span class=\"_ _5\"></span>omhet er presentert i \u00d8vrig vir<span class=\"wscf\">ksomhet.<span class=\"_ _1c5\"> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span>DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span>mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span>\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span>Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span>endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span>knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span>samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span>Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span>som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span>Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen til result<span class=\"_ _5\"></span>atregnskapet. Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Kredittform<span class=\"_ _5\"></span>idlingsinn<span class=\"wsf6\">tekter omfatt<span class=\"_ _5\"></span>er syndikeringsinnt<span class=\"_ _5\"></span>ekter i form av gebyrer og provi<span class=\"wsd2\">sjoner fra t<span class=\"_ _5\"></span>ransak</span>sjoner hvor DNB arrangerer l\u00e5nene uten </span>selv \u00e5 beholde noen del av l\u00e5net eller deltar i l\u00e5nesyndikat<span class=\"_ _5\"></span>et og mottar en kompensasjon utover den effektive renten som tilfaller \u00f8vrige del<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>takere. Gebyrer som ikke inng\u00e5r i effektiv rent<span class=\"_ _5\"></span>eberegning samt provisjoner, inntektsf\u00f8res over tid etter hvert som tj<span class=\"_ _5\"></span>enesten leveres eller p\u00e5 det tidspunkt<span class=\"_ _5\"></span>et n\u00e5r oppdraget er fullf\u00f8rt.<span class=\"ls0 ws0\"> </span>Variable suksess<span class=\"_ _5\"></span>honorarer resultatf\u00f8res kun i den grad det er sv\u00e6rt sannsynlig at en betydelig reversering av kumulative i<span class=\"_ _5\"></span>nntekter ikke finner sted.<span class=\"ls0 ws0\"> </span>Honorarer knyttet<span class=\"_ _5\"></span> til kredittformidling, eiendoms<span class=\"_ _5\"></span>megling og corporate financ<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>tjenester inklusive emisjonst<span class=\"_ _5\"></span>jenester, resultatf\u00f8res n\u00e5r transaksj<span class=\"_ _5\"></span>onene er fullf\u00f8<span class=\"_ _5\"></span>rt<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktssk<span class=\"_ _5\"></span>att <span class=\"ls0 ws0\"> </span>\u00c5rets skattekostnad omfatt<span class=\"_ _5\"></span>er betalbar skatt for inntekts\u00e5ret<span class=\"_ _5\"></span>, eventuell betalbar skatt for tidligere \u00e5r samt endring i utsatt<span class=\"ls0 ws0\"> </span>sk<span class=\"_ _5\"></span>att p\u00e5 midlertidige forskjell<span class=\"_ _5\"></span>er. Midlertidige forskjell<span class=\"_ _5\"></span>er er forskjeller mellom balansef\u00f8rt verdi av en eiendel<span class=\"_ _5\"></span> eller en forpliktelse og eiendelens eller forpliktels<span class=\"_ _5\"></span>ens skattemessi<span class=\"_ _5\"></span>ge verdi. <span class=\"ls0 ws0\"> </span>De vesentligst<span class=\"_ _5\"></span>e midlertidige forskjellene er knyttet til verdiendri<span class=\"_ _5\"></span>nger p\u00e5 finansielle ei<span class=\"_ _5\"></span>endeler og gjeld, verdiendringer p\u00e5 investeringsei<span class=\"_ _5\"></span>endom, pensjoner, avskriv<span class=\"_ _5\"></span>ninger p\u00e5 driftsmidler og eiendommer og nedskrivning p\u00e5 goodwill<span class=\"_ _5\"></span>. Utsatt skatt p\u00e5 investeringsei<span class=\"_ _5\"></span>endommer er basert p\u00e5 en forventni<span class=\"_ _5\"></span>ng om at eiendomsverdier vil gjenvinnes ved salg av eiendommen. Utsatt skatt fastsettes ved bruk av skattesats<span class=\"_ _5\"></span>er og skatteregler som gjelder p\u00e5 balansedagen, ell<span class=\"_ _5\"></span>er som med overveiende sannsynlighet ventes vedtatt, <span class=\"_ _5\"></span>og som antas \u00e5 <span class=\"_ _1\"></span>v\u00e6re gjeldende n\u00e5r den utsatt<span class=\"_ _5\"></span>e skattefordelen real<span class=\"_ _5\"></span>iseres eller n\u00e5r den utsatte skatten skal gj\u00f8res opp.<span class=\"ls0 ws0\"> </span>Konsernet innregner skattef<span class=\"_ _5\"></span>orpliktelser knytt<span class=\"_ _5\"></span>et til framtidige avgj\u00f8relser i skattesaker basert<span class=\"_ _5\"></span> p\u00e5 estimater for endret inntektsskatt. Ved vurdering av innregning av usikre skattef<span class=\"_ _5\"></span>orpliktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig.<span class=\"ls0 ws0\"> </span>Utsatt skattefordel<span class=\"_ _5\"></span> blir balansef\u00f8rt i den utstrekning det er sannsynlig at den vil kunne utnyttes mot framtidig sk<span class=\"_ _5\"></span>attepliktig inntekt. Utsatt skatt<span class=\"_ _5\"></span> og utsatt skattef<span class=\"_ _5\"></span>ordel i samme skattekonsern blir presentert netto i balansen.<span class=\"ls0 ws0\"> </span>Betalbar og utsatt skatt knyttet t<span class=\"_ _5\"></span>il \u00f8vrige resultatelementer blir pres<span class=\"_ _5\"></span>entert netto sammen med tilh\u00f8rende inntekt eller kostn<span class=\"wsd2\">ad i t<span class=\"_ _5\"></span>otal<span class=\"lsbd ws104\">r<span class=\"_ _5\"></span>es<span class=\"_ _5\"></span>ul<span class=\"_ _5\"></span>tate<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innregning og fraregning<span class=\"ls0 ws0\"> </span>F\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter innregnes n\u00e5r konsernet blir part i instrumentets<span class=\"_ _5\"></span> kontraktsbestemmelser.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>Finansielle eiendeler, med unntak av utl\u00e5n og forskudd til kunder, bl<span class=\"_ _5\"></span>ir i utgangspunktet innregnet p\u00e5 oppgj\u00f8rstids<span class=\"_ _5\"></span>punktet. Dette gjelder ogs\u00e5 ved alminnelig kj\u00f8<span class=\"_ _5\"></span>p eller salg av finansielle eiendeler (regular<span class=\"ls0 ws0\">-</span>way t<span class=\"_ _5\"></span>rades). Utl\u00e5n og forskudd til kunder innregnes n\u00e5r midler overf\u00f8<span class=\"_ _5\"></span>res til kundenes kontoer. Konsernet innregner innskudd fra kunder, gjeld til kreditt<span class=\"_ _5\"></span>institusjoner og verdipapirgjel<span class=\"_ _5\"></span>d n\u00e5r midler overf\u00f8res <span class=\"wsd2\">til kons<span class=\"_ _5\"></span>ernet.<span class=\"ls0 ws112\">  </span></span>Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span>En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span>beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span>Klassifis<span class=\"_ _5\"></span>ering og presentasjon<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kl<span class=\"_ _5\"></span>assifiseres i <span class=\"_ _5\"></span>en av f\u00f8l<span class=\"_ _5\"></span>gende m\u00e5lekategorier:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">amortis<span class=\"_ _5\"></span>ert kost</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over totalresultatet</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over resultatet</span> </span>Klassifis<span class=\"_ _5\"></span>eringen av finansielle eiendeler er avhengig av to faktorer:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virksom<span class=\"_ _5\"></span>hetsmodellen for portef\u00f8ljen som den finansielle ei<span class=\"_ _5\"></span>endelen h\u00f8rer til</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kjennetegnene til<span class=\"_ _5\"></span> den finansielle eiendelens kontrakts<span class=\"_ _5\"></span>regulerte kontantstr\u00f8mmer</span> </span>N\u00e5r virksomhetsmodel<span class=\"_ _5\"></span>len utarbeides, vurderer konsernet<span class=\"_ _5\"></span> for hver portef\u00f8lje hvordan virksomheten styres, salgsaktiv<span class=\"_ _5\"></span>iteter, risiko<span class=\"wsd2\">styri<span class=\"_ _5\"></span>ng samt </span>hvordan i<span class=\"_ _5\"></span>nformasjon formi<span class=\"_ _5\"></span>dles til ledels<span class=\"_ _5\"></span>en. Virksom<span class=\"wsf6\">hetsm<span class=\"_ _5\"></span>odellen er blitt vurdert for hvert forretningsomr\u00e5de. P<span class=\"_ _5\"></span>o<span class=\"lsc1 wsce\">rte</span></span>f\u00f8ljene s<span class=\"_ _5\"></span>om tilh\u00f8rer kundeomr\u00e5dene har en virksom<span class=\"_ _5\"></span>hetsmodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontraktsregulerte kontantst<span class=\"_ _5\"></span>r\u00f8mmene, mens det er flere ulike virks<span class=\"_ _5\"></span>omhetsmodeller for portef\u00f8ljene som h\u00f8rer ti<span class=\"_ _5\"></span>l produktomr\u00e5det DNB Carnegie og konsernomr\u00e5de<span class=\"lsd4 ws107\">t K</span><span class=\"wscf\">on<span class=\"_ _1\"></span>serntreas<span class=\"_ _5\"></span>ury.<span class=\"ls0 ws0\"> </span></span>Ved f\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning av finansielle eiendeler bli<span class=\"_ _5\"></span>r det utf\u00f8rt en test av kjennetegnene til de kontraktsregulerte kontant<span class=\"lsc5 ws130\">st<span class=\"_ _5\"></span>r\u00f8m</span><span class=\"wscf\">mene. </span>Finansiel<span class=\"_ _5\"></span>le eiendeler med kontantstr\u00f8mmer som bare er betaling av hovedstol og rente, best\u00e5r testen hvis de kontrak<span class=\"_ _5\"></span><span class=\"lsbc ws103\">tu</span>elle kontantstr\u00f8mmene er forenlige med en grunnleggende l\u00e5neav<span class=\"_ _5\"></span>tale. I en grunnleggende l\u00e5neavtale er vederlag for tidsv<span class=\"_ _5\"></span>erdien av penger og kredittrisikoen vanligv<span class=\"_ _5\"></span>is de viktigste delene av rent<span class=\"_ _5\"></span>en. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktels<span class=\"_ _5\"></span>er klassifiseres t<span class=\"_ _5\"></span>il amortisert<span class=\"_ _5\"></span> kost med <span class=\"_ _5\"></span>unntak av finans<span class=\"_ _5\"></span>ielle forpliktelser <span class=\"_ _5\"></span>som m\u00e5 m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">verdi over resultatet ell<span class=\"_ _5\"></span>er </span>er bestemt regnskapsf\u00f8rt<span class=\"_ _5\"></span> til virkelig verdi over resultatet.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kan ugjenkallelig bli bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangs<span class=\"_ _5\"></span>innregning hvis f\u00f8lgende kriteri<span class=\"_ _5\"></span>um er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Klassifi<span class=\"_ _5\"></span>seringen eliminerer eller i vesentl<span class=\"_ _5\"></span>ig grad reduserer en uoverensstemmelse i m\u00e5ling eller innregning som ellers vil<span class=\"_ _5\"></span>le ha oppst\u00e5tt ved </span></span>m\u00e5ling av eiendeler eller v<span class=\"_ _5\"></span>ed regnskapsf\u00f8ring av tilh\u00f8rende gevinster eller tap p\u00e5 ulikt grunnlag.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser kan ogs\u00e5 ugjenkallel<span class=\"_ _5\"></span>ig bli bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> over res<span class=\"_ _5\"></span>ultatet ved f\u00f8rst<span class=\"_ _5\"></span>egangs</span>inn<span class=\"wsd2\">regning <span class=\"_ _5\"></span>hvis kriteriet </span></span>ovenfor ell<span class=\"_ _5\"></span>er en av f\u00f8lgende er op<span class=\"_ _1\"></span>pfy<span class=\"_ _5\"></span>lt: <span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De finansiell<span class=\"_ _5\"></span>e instrumentene er en del av en portef\u00f8lje som styres og vurderes p\u00e5 bakgrunn av virkelig verdi i samsvar med en</span> <span class=\"lsaf wscf\">dokumentert </span></span>risikoh\u00e5ndteri<span class=\"_ _5\"></span>ngs<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller investerings<span class=\"_ _5\"></span></span>strategi.<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Vertskont<span class=\"_ _5\"></span>rakten inneholder et eller flere innebygde derivater.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler, som ikke er bestemt regnskapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi over resultatet, er balansef\u00f8rt til amortisert<span class=\"_ _5\"></span> kost hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontrakts<span class=\"wsd2\">regulert<span class=\"_ _5\"></span>e kontant<span class=\"wscf\">str\u00f8m<span class=\"_ _5\"></span>mene.</span></span></span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rstegangsinnregning til virkelig v<span class=\"_ _5\"></span>erdi pluss direkte henf\u00f8r<span class=\"wscf\">bare </span>transaksj<span class=\"_ _5\"></span>onskostnader. Deretter m\u00e5les eiendelene til amort<span class=\"_ _5\"></span>isert kost ved bruk av effektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">metode, redus<span class=\"_ _5\"></span>ert med<span class=\"ls0 ws0\"> </span></span>eventuel<span class=\"_ _5\"></span>le nedskrivninger. Nedskrivninger og til<span class=\"_ _5\"></span>bakef\u00f8ringer av nedskrivninger bli<span class=\"_ _5\"></span>r m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>En endring i avsetning til forvent<span class=\"_ _5\"></span>ede kredittap for gjeldsinstrument<span class=\"_ _5\"></span>er balansef\u00f8rt til amortisert kost p\u00e5 balansedagen blir presentert<span class=\"_ _5\"></span> under \u00abNedskrivninger p\u00e5 finans<span class=\"_ _5\"></span>ielle instrumenter\u00bb i result<span class=\"_ _5\"></span>atregnskapet.<span class=\"ls0 ws0\"> </span>Renteinntekter f<span class=\"_ _5\"></span>ra finansielle instrumenter klassifisert<span class=\"_ _5\"></span> i denne kategorien presenteres under \u00abRenteinntekt, eff<span class=\"_ _5\"></span>ektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wscf\">metode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien best\u00e5r i hov<span class=\"_ _5\"></span>edsak av utl\u00e5n til kunder, kontanter og innskudd, fordringer, gjensalgs<span class=\"_ _5\"></span>avtaler og obligasjons<span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost er ved f\u00f8rstegangsinnregning regns<span class=\"_ _5\"></span>kapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi minus eventuelle direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Tilh\u00f8rende rent<span class=\"_ _5\"></span>e<span class=\"lsbd ws104\">kos<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span></span>nader presenteres som \u00abRentekostnad, effektiv<span class=\"_ _5\"></span> rente<span class=\"ls0 ws0\">-<span class=\"lsc3 ws114\">me</span></span><span class=\"wscf\">tode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien omfatter i<span class=\"_ _5\"></span>nnskudd fra kunder og kredittinstit<span class=\"_ _5\"></span>usjoner, gjenkj\u00f8psavtaler, utstedt<span class=\"_ _5\"></span>e sertifikater og obligasj<span class=\"_ _5\"></span>oner, ansvarlig l\u00e5nekapit<span class=\"_ _5\"></span>al og fondsobligasjonsl\u00e5n.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>nger i finansielle eiendeler, som ikke er bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt ti<span class=\"_ _5\"></span>l virkelig v<span class=\"_ _5\"></span>erdi over <span class=\"_ _5\"></span>resultatet, m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig verdi over <span class=\"_ _5\"></span>totalresultat<span class=\"_ _5\"></span>et </span></span>hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let b\u00e5de er \u00e5 holde eiendelene for \u00e5 motta de kon<span class=\"lsc4 ws115\">trakts<span class=\"_ _5\"></span></span><span class=\"wsd2\">regulerte kont<span class=\"_ _5\"></span>antstr\u00f8mmene </span></span></span>samt \u00e5 selge eien<span class=\"wscf\">delen.<span class=\"ls0 ws0\"> </span></span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet regnskapsf\u00f8<span class=\"_ _5\"></span>res ved f\u00f8rstegangsinnregning til virkeli<span class=\"_ _5\"></span>g verdi pluss direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Ett<span class=\"_ _5\"></span>erf\u00f8lgende verdim\u00e5ling er til virkelig verdi over t<span class=\"_ _5\"></span>otalresultatet. Endringer<span class=\"ls0 ws0\"> </span>i v<span class=\"_ _5\"></span>irkelig verdi regnskapsf\u00f8res i totalres<span class=\"_ _5\"></span>ultatet og akkumuleres i en separat komponent i egenkapitalen. Nedskrivninger og tilbak<span class=\"_ _5\"></span>ef\u00f8ringer av nedskrivninger, rentei<span class=\"_ _5\"></span>nntekter samt gevinster ell<span class=\"_ _5\"></span>er tap som f\u00f8lge av <span class=\"_ _1\"></span>valutaom<span class=\"_ _5\"></span>regning regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atet.<span class=\"ls0 ws0\"> </span>Ved fraregning av den finansielle ei<span class=\"_ _5\"></span>endelen resirkuleres gevinsten eller tapet, som er akkumulert i totalresult<span class=\"_ _5\"></span>atet, i resultatet og presenteres p\u00e5 linjen \u00abNetto gevinster p\u00e5 finans<span class=\"_ _5\"></span>ielle instr<span class=\"wsd2\">umenter <span class=\"_ _5\"></span>til virkeli<span class=\"_ _5\"></span>g verdi\u00bb. </span>Ned<span class=\"lsaf wsd2\">skrivni<span class=\"_ _5\"></span>nger og til<span class=\"_ _5\"></span>bakef\u00f8ringer<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">av nedskrivni<span class=\"_ _5\"></span>nger blir m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </span></span>modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>Denne kategorien omfatter en portef<span class=\"_ _5\"></span>\u00f8lje med obligasjons<span class=\"wscf\">inv<span class=\"_ _5\"></span>esteringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le instrumenter balansef\u00f8rt til virk<span class=\"_ _5\"></span>elig verdi over resultatet<span class=\"ls0 ws0\"> </span>F\u00f8lgende instrum<span class=\"_ _5\"></span>enter h\u00f8rer til denne kategorien:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">derivater</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">egenkapital<span class=\"_ _5\"></span>instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle trading instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle instrumenter s<span class=\"_ _5\"></span>om styres ti<span class=\"_ _5\"></span>l virkeli<span class=\"_ _5\"></span>g verdi</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle eiendeler med k<span class=\"_ _5\"></span>ontraktsregulert<span class=\"_ _5\"></span>e kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer som ikke kun representerer hovedstol og rente</span></span> </span>Instrument<span class=\"_ _5\"></span>er i denne kat<span class=\"_ _5\"></span>egorien regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rst<span class=\"_ _5\"></span>e<span class=\"wscf\">gangs<span class=\"wsf6\">innregning til vi<span class=\"_ _5\"></span>rkelig verdi. Tilh\u00f8rende transaksjonsk<span class=\"_ _5\"></span>ostnader inn</span></span>regnes i resultat<span class=\"_ _5\"></span>regnskapet n\u00e5r de oppst\u00e5r. Etterf\u00f8lgende m\u00e5l<span class=\"_ _5\"></span>ing er virkelig verdi med gevinster og tap regnskaps<span class=\"lsbc ws0\">f\u00f8rt i<span class=\"_ _1\"></span> r<span class=\"lsaf wscf\">esultatregnskapet.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbc ws0\"><span class=\"ls0\"> </span></span>Endringer i virk<span class=\"_ _5\"></span>elig verdi p\u00e5 de finansielle instrumentene inng\u00e5r i \u00abNetto gevinster p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter til virkeli<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>verdi\u00bb i resultat<span class=\"_ _5\"></span>regnskapet. Endringer i virkelig verdi p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter innenfor livsf<span class=\"_ _5\"></span>orsikring inng\u00e5r i \u00abNetto forsikringsresul<span class=\"_ _5\"></span>tat\u00bb. Finansielle derivater pres<span class=\"_ _5\"></span>enteres som en eiendel n\u00e5r virkelig verdi er positiv og som en forpliktelse n\u00e5r virk<span class=\"_ _5\"></span>elig verdi er negativ.<span class=\"ls0 ws0\"> </span>Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader f<span class=\"_ _5\"></span>or renteb\u00e6rende instrumenter inklusive f<span class=\"_ _5\"></span>inansielle derivater inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, med<span class=\"ls0 ws0\"> </span>unntak av renteinntekt<span class=\"_ _5\"></span>er og<span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som h\u00f8rer til tradingportef\u00f8ljen.<span class=\"ls0 ws0\"> </span>Tradingportef\u00f8<span class=\"_ _5\"></span>ljen omfatter instrumenter,<span class=\"_ _5\"></span> som i hovedsak er anskaffet for \u00e5 <span class=\"_ _1\"></span>sel<span class=\"_ _5\"></span>ges eller kj\u00f8pes tilbake p\u00e5 kort sikt. Dette o<span class=\"ls0 ws0\">m</span>fatter finansielle derivater, aksj<span class=\"_ _5\"></span>er og obligasjonsportef\u00f8ljer. Rentei<span class=\"_ _5\"></span>nntekter og <span class=\"ls0 ws0\">-</span>kostnader for finansielle instrument<span class=\"_ _5\"></span>er i trad<span class=\"wscf\">ingporte</span>f\u00f8ljen inng\u00e5r i \u00abNetto gevinster p\u00e5 finansielle i<span class=\"_ _5\"></span>nstrumenter til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler bestemt regnskapsf\u00f8rt til virkel<span class=\"_ _5\"></span>ig verdi over resultatet ved f\u00f8rstegangsinnregning, omf<span class=\"_ _5\"></span>atter i hovedsak<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">obligasjoner og </span>boligl\u00e5n med fast rente i norske kroner. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser bestemt regnsk<span class=\"_ _5\"></span>apsf\u00f8rt til virkelig verdi over resultatet<span class=\"_ _5\"></span> ved f\u00f8rstegangsinnregning, omfatter i hove<span class=\"wsd2\">ds<span class=\"_ _5\"></span>ak innl\u00e5n med </span>rentebinding i norsk<span class=\"_ _5\"></span>e kroner. Endringen i virkelig verdi som kan henf\u00f8res til konsernets kredittrisiko er beregnet <span class=\"wscf\">gjen</span>nom<span class=\"_ _5\"></span> \u00e5 bruke kreditts<span class=\"_ _5\"></span>preadkurver fra Nordic Bond Pricing. Endringen i virkelig verdi som kan henf\u00f8<span class=\"_ _5\"></span>res til kredittrisiko p\u00e5 \u00f8vrige finansielle forplik<span class=\"_ _5\"></span>telser er begrenset <span class=\"_ _5\"></span>p\u00e5 grunn av <span class=\"_ _5\"></span>instrumentenes kort<span class=\"_ _5\"></span>siktige natur. E<span class=\"_ _5\"></span>ndringer i v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> som f\u00f8<span class=\"_ _5\"></span>lge <span class=\"wsf6\">av kredittrisiko p\u00e5 kons<span class=\"_ _5\"></span>ernets langsiktige innl\u00e5n i </span>norske kroner som er bestemt regnskapsf\u00f8rt til vi<span class=\"_ _5\"></span>rkelig verdi over resultatet verken skaper eller forverrer et regnsk<span class=\"_ _5\"></span>apsmessi<span class=\"lsbd ws117\">g m<span class=\"_ _5\"></span>is</span><span class=\"wsd2\">f<span class=\"_ _5\"></span>orhold og er </span>derfor skilt ut og regnskapsf<span class=\"_ _5\"></span>\u00f8rt i totalresultatet. Se endring i egenkapital for en presentasj<span class=\"_ _5\"></span>on av effektene.<span class=\"ls0 ws0\"> </span>Omklassifis<span class=\"_ _5\"></span>eringer<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler omklassifiseres kun hvis det er en vesentlig endring i virksom<span class=\"_ _5\"></span>hetsmodell for eiendelene. Det er forventet at slike endringer er sv\u00e6rt sjeldne. Finansiel<span class=\"_ _5\"></span>le forpliktelser om<span class=\"lsbd ws104\">k<span class=\"_ _5\"></span>las<span class=\"_ _5\"></span><span class=\"lsbf wsff\">sifis<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbd ws104\"><span class=\"lsbf wsff\"><span class=\"ls0 ws0\"> </span></span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Fastsettelse <span class=\"_ _5\"></span>av virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi er den pris som <span class=\"_ _1\"></span>vil<span class=\"_ _5\"></span>le blitt oppn\u00e5dd ved salg av en eiendel eller betalt for \u00e5 overf\u00f8re en forpliktels<span class=\"_ _5\"></span>e i en velordnet transaksjon mellom m<span class=\"_ _5\"></span>arkedsdeltakere p\u00e5 m<span class=\"_ _5\"></span>\u00e5letidspunktet. F<span class=\"_ _5\"></span>inan<span class=\"wsf6\">sielle eiendel<span class=\"_ _5\"></span>er og forpliktelser i aktive markeder verdsett<span class=\"_ _5\"></span>es til den prisen som er innenfor </span>kj\u00f8p<span class=\"_ _1\"></span>skur<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-<span class=\"lsaf wscf\">/salgskurs<span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">marginen, og som er mest representativ for virkelig verdi p\u00e5 m\u00e5letidspunktet<span class=\"_ _5\"></span>. I de fleste tilfeller utgj\u00f8r kj\u00f8ps<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>algskurser </span></span></span>for disse instrument<span class=\"_ _5\"></span>ene den mest <span class=\"_ _1\"></span>represent<span class=\"_ _5\"></span>ative prisen for henholdsvis ei<span class=\"_ _5\"></span><span class=\"wsd2\">endeler og for<span class=\"lsbe ws10b\">p<span class=\"_ _5\"></span>lik<span class=\"_ _5\"></span>t</span><span class=\"wscf\">elser. <span class=\"ls0 ws0\"> </span></span></span>Direkte observ<span class=\"_ _5\"></span>erbare priser i markedet brukes i s\u00e5 stor utstrekning som mulig til \u00e5 fastsette virkelig verdi. Verdsettels<span class=\"_ _5\"></span>ene for de ulike typene finansi<span class=\"_ _5\"></span>elle instrumenter er basert p\u00e5 anerkjente metoder og modeller. Prisene og inputparamet<span class=\"_ _5\"></span>erne som benyttes, kontrolleres og vurderes basert p\u00e5 etablerte rutiner og kont<span class=\"_ _5\"></span>rollprosedyrer.<span class=\"ls0 ws0\"> </span>Kontrollmil<span class=\"_ _5\"></span>j\u00f8et knyttet til virkelig verdim\u00e5li<span class=\"_ _5\"></span>ng av finansielle instrumenter er en integrert del av selskapets regnsk<span class=\"_ _5\"></span>aps<span class=\"lsc1 wsce\">rap</span><span class=\"wscf\">por</span>tering.<span class=\"_ _5\"></span> Det utf\u00f8res en rekke kontroller p\u00e5 dagli<span class=\"_ _5\"></span>g basis, herunder kontroll av dag \u00e9n gevinst eller tap p\u00e5 handlede posisjoner samt kontroll av input<span class=\"_ _5\"></span>parameter som er sentrale i verdsettelsen.<span class=\"_ _5\"></span> Ved m\u00e5neds og k<span class=\"_ _1\"></span>vart<span class=\"_ _5\"></span>alsslutt blir det utf\u00f8rt utvidede kont<span class=\"_ _5\"></span>roller for \u00e5 sikre at verdsettelsene er i tr\u00e5d med prinsippene for m\u00e5ling av virkelig verdi i<span class=\"_ _5\"></span>nklusive endringsanalyser. Det gis spesiell oppmerk<span class=\"_ _5\"></span>somhet til verdsettelser i niv\u00e5 3 i verdsettelses<span class=\"_ _5\"></span>hierarkiet der effektene kan v\u00e6re vesentlige el<span class=\"_ _5\"></span>ler s\u00e6rlig utfordrende. <span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som omsettes i et aktivt marked <span class=\"ls0 ws0\"> </span>For instrument<span class=\"_ _5\"></span>er som handles i et aktivt marked, benyttes den noterte prisen innhentet fra enten en b\u00f8rs, en megler eller et <span class=\"lsbe ws10b\">pris<span class=\"_ _5\"></span></span><span class=\"wscf\">settingsbyr\u00e5.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>Markedet er aktivt dersom det er mulig \u00e5 framskaffe eksterne observerbare pris<span class=\"_ _5\"></span>er, kurser eller renter og disse prisene repre<span class=\"wscf\">sen<span class=\"wsd2\">terer f<span class=\"_ _5\"></span>aktiske <span class=\"_ _5\"></span>og </span></span>hyppige markedstrans<span class=\"_ _5\"></span>aksjoner.<span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som ikke omsettes i et aktivt marked<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter som ikke omsettes i aktive markeder, verdsettes bas<span class=\"_ _5\"></span>ert p\u00e5 ulike verdsettelsesteknikk<span class=\"_ _5\"></span>er og deles inn i to <span class=\"_ _1\"></span>kat<span class=\"_ _5\"></span>egorier:<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">nylig observ<span class=\"_ _5\"></span>erte transaksjoner i det aktuelle instrumentet mellom inf<span class=\"_ _5\"></span>ormerte, villige og uavhengige parter</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter handlet i et aktivt marked som substansielt er likt det instrumentet som verdsettes</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">andre verdsettels<span class=\"_ _5\"></span>esteknikker hvor de vesentligste parametrene er basert<span class=\"_ _5\"></span> p\u00e5 observerbare markedsdata</span> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 annet enn observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">estimert<span class=\"_ _5\"></span>e kontantstr\u00f8mmer</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">vurdering av eiendeler og gj<span class=\"_ _5\"></span>eld i selskaper</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">modeller hv<span class=\"_ _5\"></span>or vesentlige parameter ikke er basert p\u00e5 observerbare markedsdata </span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">eventuell<span class=\"_ _5\"></span>e bransjestandarder</span> </span>I verdsettelsen av OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater er det en justering av virkelig verdi for motpartens kredittris<span class=\"_ _5\"></span>iko (CVA) og for konsernets egen kredittrisiko (DVA). I tillegg er det en justering for den forventede finans<span class=\"_ _5\"></span>ieringskostnaden (FVA). Justeringer er foretatt<span class=\"_ _5\"></span> basert p\u00e5 nettoeksponeringen mot hver motpart for CVA og DVA, samt mot finansieringsgrupper for FVA. <span class=\"ls0 ws0\"> </span>Konsernet estim<span class=\"_ _5\"></span>erer CVA som en funksjon av en simulert forventet positiv eksponering, sannsynli<span class=\"_ _5\"></span>gheten for motpartens mislighold (probabili<span class=\"_ _5\"></span>ty of default, PD) og tapsgrad gitt mislighol<span class=\"_ _5\"></span>d (loss given default, LGD). Intern rating er kombinert med historiske spreader fra credit default<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>swapper (CDS), samt gjel<span class=\"_ _5\"></span>dende CDS<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">indekspriser for <span class=\"_ _5\"></span>\u00e5 estimere mot<span class=\"_ _5\"></span></span>partens CDS<span class=\"ls0 ws0\">-</span>spread. Dett<span class=\"_ _5\"></span>e betyr at <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet utnytter sine egne kredittmodel<span class=\"_ _5\"></span>ler og deres range<span class=\"ls0 ws0\">r</span>ingsevne, men kalibrerer mot prisniv\u00e5er for til<span class=\"lsc5 ws130\">sv<span class=\"_ _5\"></span>ar</span><span class=\"wsd2\">ende kredit<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">r</span></span>isiko i markedet. For kunder klassifisert i gruppe 3 p\u00e5 grunn av forventet kredittap, er CVA beregnet som om derivatene var gjenstand for nedskriv<span class=\"_ _5\"></span>ning som f\u00f8lge av kredittap. DVA<span class=\"ls0 ws0\"> </span>er basert p\u00e5 samme tiln\u00e6rming som CVA, der en vurdering av DNBs kredittspread<span class=\"ls0 ws0\"> </span>er brukt.<span class=\"ls0 ws0\"> </span>FVA gjenspeiler n\u00e5v<span class=\"_ _5\"></span>erdien av forventet framtidig finansi<span class=\"_ _5\"></span>eringskostnad knyttet til eksponeri<span class=\"_ _5\"></span>ngen for usikrede derivater. Den beregnes ved \u00e5 an<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>vende en finansieri<span class=\"_ _5\"></span>ngsmargin over den forventede eksponeringen. Det beregnes ikke finansierings<span class=\"_ _5\"></span>fordel for de posisjoner det er beregnet DVA for. <span class=\"ls0 ws0\"> </span>For finansiell<span class=\"_ _5\"></span>e instrumenter som m\u00e5les ved bruk av en verdsettelsesteknikk, kan en gevinst eller et tap fra tid til annen oppst\u00e5 n\u00e5r den estimerte virkelige verdien er f<span class=\"_ _5\"></span>orskjellig fra transaksjons<span class=\"_ _5\"></span>prisen. N\u00e5r m\u00e5lingen er basert p\u00e5 ikke<span class=\"ls0 ws0\">-</span>observerbare input<span class=\"wscf\">para</span>meter (niv\u00e5 3), er gevinst<span class=\"_ _5\"></span>en eller tapet utsatt og derfor ikke innregnet p\u00e5 dag \u00e9n. Endringer i virkelig verdi p\u00e5 et senere tids<span class=\"_ _5\"></span>punkt er kun innregnet i den grad dette skyldes forhold som markedsakt\u00f8rer vil<span class=\"_ _5\"></span>le tatt i betraktning.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Motregning<span class=\"ls0 ws0\"> </span>Masternett<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">avtaler, sikrede posisjoner ell<span class=\"_ _5\"></span>er tilsvarende avtaler gir rett til motregning ved mislighol<span class=\"_ _5\"></span>d. En slik avtale reduserer konsernets </span>eksponering v<span class=\"_ _5\"></span>ed mislig<span class=\"wsf6\">hold, m<span class=\"_ _5\"></span>en <span class=\"_ _1\"></span>er ikke p\u00e5 egen h\u00e5nd tilstrekk<span class=\"_ _5\"></span>elig for \u00e5 tilfredsstille kravene ett<span class=\"_ _5\"></span>er IFRS for<span class=\"ls0 ws0\"> </span>motregning i balansen, siden det </span>ogs\u00e5 er et krav om at<span class=\"ls0 ws0\"> </span>det foreligger en juridisk h\u00e5ndhevbar rett, og at<span class=\"ls0 ws0\"> </span>m<span class=\"_ _5\"></span>an l\u00f8pende har til hensikt \u00e5 gj\u00f8re opp kontrakts<span class=\"wscf\">messige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer netto. <span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Gjenkj\u00f8ps<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsd2\">og salgsavtaler <span class=\"ls0 ws0\"> </span></span>DNB inng\u00e5r gjenkj\u00f8ps<span class=\"lsc1 wsce\">- </span>og salgs<span class=\"_ _5\"></span>avtaler hvor verdipapirer kan bli l\u00e5nt eller solgt, med en betingelse om \u00e5 gjenkj\u00f8pe dem til en fast pris og p\u00e5 en forh\u00e5ndsbestem<span class=\"_ _5\"></span>t dato. Slike v<span class=\"_ _5\"></span>erdipapirer er i<span class=\"_ _5\"></span>kke fraregnet<span class=\"lsc4 ws115\">. </span>Tilsvarende,<span class=\"_ _5\"></span> hvor konsernet l\u00e5ner eller kj\u00f8per verdipapirer med en betingels<span class=\"_ _5\"></span>e om \u00e5 <span class=\"_ _1\"></span>selge diss<span class=\"_ _5\"></span>e tilbake (salgsavtaler), er ver<span class=\"wscf\">di</span>papirene ikke innregnet i balansen.<span class=\"ls0 ws0\"> </span>Verdipapirinnl\u00e5n og <span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">utl\u00e5n<span class=\"ls0 ws0\"> </span></span>Verdipapirinnl\u00e5ns<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">og utl\u00e5nstrans<span class=\"_ _5\"></span>aksjoner er inng\u00e5tt med basis i sikkerhetsstil<span class=\"_ _5\"></span>lelse. Kontanter gitt som sikkerhet er fraregnet fra bal<span class=\"_ _5\"></span>ansen, og<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">en </span></span></span>tilh\u00f8rende f<span class=\"_ _5\"></span>ordring er innregnet. Kontanter mottatt som sikkerhet er innregnet i balans<span class=\"_ _5\"></span>en, og en tilh\u00f8rende <span class=\"wscf\">for<span class=\"wsd2\">pliktelse for <span class=\"_ _5\"></span>tilbakelevering er </span></span>innregnet. V<span class=\"_ _5\"></span>erdipapirer l\u00e5nt ut forblir p\u00e5 balansen. L\u00e5nte verdipapirer er ikk<span class=\"_ _5\"></span>e balansef\u00f8rt som eiendeler. N\u00e5r l\u00e5nte verdipap<span class=\"wsd2\">irer <span class=\"_ _5\"></span>er solgt bl<span class=\"_ _5\"></span>ir et </span>bel\u00f8p tilsvarende den virk<span class=\"_ _5\"></span>elige verdien av verdipapirene innregnet<span class=\"_ _5\"></span> som e<span class=\"wsd2\">n forpliktelse.<span class=\"_ _1c5\"> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Eiendommer som eies for \u00e5 oppn\u00e5 avkastning gjennom leie<span class=\"wsd2\">i<span class=\"_ _5\"></span>nntekter og verdist<span class=\"_ _5\"></span>igning, pres<span class=\"_ _5\"></span>enteres som investeri<span class=\"_ _5\"></span>ngs<span class=\"wscf\">eien</span></span>dommer i balansen. Eiendom som i hovedsak benyttes til egen virksomhet, present<span class=\"_ _5\"></span>eres som eierbenyttet eiendom.<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>ngseiendommer og eierbenyttet eiendom m\u00e5les ved f\u00f8rstegangs balans<span class=\"_ _5\"></span>ef\u00f8ring til kostpris inkludert anskaffel<span class=\"_ _5\"></span>sesutgifte<span class=\"lscf ws126\">r.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>I etterf\u00f8l<span class=\"_ _5\"></span>gende perioder m\u00e5les investeringseiendommer og eierbenytt<span class=\"_ _5\"></span>et eiendom til virkelig verdi ved \u00e5 diskontere forventede fram<span class=\"_ _5\"></span>tidige netto kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer til n\u00e5verdi. Det foretas derfor ikke \u00e5rlige avskriv<span class=\"_ _5\"></span>ninger av inve</span>sterings<span class=\"_ _5\"></span><span class=\"wsf6\">eiendommer. Det benyttes intern og ekstern eien<span class=\"lsbd ws104\">dom<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>ekspertis<span class=\"_ _5\"></span>e til verdivurderingene. Det innhentes et utvalg av eksterne takst<span class=\"_ _5\"></span>er som sammenholdes med interne verdivurderinger for k<span class=\"_ _5\"></span>ontrollform\u00e5l. Det gj\u00f8res i tillegg analys<span class=\"_ _5\"></span>er av endringer fra forrige periode, samt sensitivitetsv<span class=\"_ _5\"></span>urderinger for ulike anslag p\u00e5 parameterverdier s<span class=\"_ _5\"></span>om inng\u00e5r i en totalvurdering av v<span class=\"_ _5\"></span>irkelig verdi<span class=\"ls0 ws0\">-</span>m\u00e5lingen. V<span class=\"_ _5\"></span>erdsettelsesleverand\u00f8rer f\u00f8lges<span class=\"_ _5\"></span> ogs\u00e5 opp l\u00f8pende gjennom dialog og foresp\u00f8rsler knyttet til verd<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>settels<span class=\"_ _5\"></span>ene av enkelt<span class=\"wsd2\">eiendommer. Verdiendring <span class=\"_ _5\"></span>fo</span>r investerings<span class=\"_ _5\"></span>eiendommer innen livsforsikring res<span class=\"_ _5\"></span>ultatf\u00f8res under \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb. Verdiendring for \u00f8vri<span class=\"_ _5\"></span>ge investeringseiendommer i konsernet framk<span class=\"_ _5\"></span>ommer p\u00e5 linjen \u00abNetto gevinster p\u00e5 investeringsei<span class=\"_ _5\"></span>endom\u00bb i resultatet. Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Tilknyttede selsk<span class=\"_ _5\"></span>aper og felleskontrollerte virksom<span class=\"_ _5\"></span>heter<span class=\"ls0 ws0\"> </span>Tilknyttede selsk<span class=\"_ _5\"></span>aper og felleskontrollerte virksom<span class=\"_ _5\"></span>heter regnskapsf\u00f8res etter egenk<span class=\"_ _5\"></span>apitalmetoden, hvor DNBs andel av over<span class=\"lsc1 wsce\">- </span>eller underskudd er basert p\u00e5 selskapenes nett<span class=\"_ _5\"></span>oresultat justert for DNBs eierandel. Andelen av over<span class=\"lsc1 wsce\">- </span>eller underskudd fra tilknyt<span class=\"_ _5\"></span>ted<span class=\"wsd2\">e selskaper og </span>felleskont<span class=\"_ _5\"></span>rollerte virksomheter er presentert<span class=\"_ _5\"></span> som \u00abResultat investeringer etter egenkapit<span class=\"_ _5\"></span>almetoden\u00bb. Den balansef\u00f8rte verdien av investeringen er presentert som \u00abInvesteri<span class=\"_ _5\"></span>nger etter egenkapitalmetoden\u00bb i DNBs balanse.<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNBs immateriell<span class=\"_ _5\"></span>e eiendeler best\u00e5r i hovedsak av goodwill som er bokf\u00f8rt til anskaffelseskost. Goodwill<span class=\"_ _5\"></span> er restverdien som be<span class=\"lsbd ws117\">st<span class=\"_ _5\"></span>\u00e5r<span class=\"_ _5\"></span> av<span class=\"_ _5\"></span> </span>differans<span class=\"_ _5\"></span>en mellom anskaffelseskost og den kapitalisert<span class=\"_ _5\"></span>e verdien av et oppkj\u00f8pt selskap. Konseptet goodwill best\u00e5r av betaling for gevinst fra synergier, eiendel<span class=\"_ _5\"></span>er knyttet til ansatte, og andre immaterielle eiendeler som ikk<span class=\"_ _5\"></span>e kvalifiserer for innregning som en egen ei<span class=\"wsd2\">endel, framt<span class=\"_ _5\"></span>idig </span>superprofit<span class=\"_ _5\"></span>t og det faktum at utsatt skatt ikke skal neddiskonteres. Kapitalisert<span class=\"_ _5\"></span> goodwill stammer utelukkende fra oppkj\u00f8p.<span class=\"ls0 ws0\"> </span>Goodwill test<span class=\"_ _5\"></span>es for verdifall minimum \u00e5rlig. DNB har valgt \u00e5 gjennomf\u00f8re den \u00e5rlige testen i fjerde kvartal. Gjenvi<span class=\"_ _5\"></span>nnbart bel\u00f8p i goodwill nedskrivningst<span class=\"_ _5\"></span>esten er basert p\u00e5 en beregning av bruksverdi, hvor DNB neddiskonterer framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmer for <span class=\"lsbd ws104\">hv<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span> </span>kontantgenererende enhet<span class=\"_ _5\"></span>. Beregningene tar utgangspunkt i historisk<span class=\"_ _5\"></span>e resultater samt plantall som er godkjent av ledelsen.<span class=\"ls0 ws0\"> </span>\u00d8vrige immateriell<span class=\"_ _5\"></span>e eiendeler m\u00e5les til anskaffelsesk<span class=\"_ _5\"></span>ost fratrukket akkumulerte amortiseri<span class=\"_ _5\"></span>nger og nedskrivninger<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Varige<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">eiendel<span class=\"_ _5\"></span>er klassifiseres<span class=\"_ _5\"></span> som vari<span class=\"_ _5\"></span>ge drifts<span class=\"wsf6\">midler og m\u00e5les til ansk<span class=\"_ _5\"></span>affelseskost fratrukket line\u00e6<span class=\"_ _5\"></span>re avskrivninger og nedskrivninger.</span></span><span class=\"wsd2\"><span class=\"wsf6\"><span class=\"_ _5\"></span> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNB<span class=\"_ _5\"></span> s<span class=\"_ _5\"></span>om ut<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>ei<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>En leieavtal<span class=\"_ _5\"></span>e klassifiseres som finansiell leieavtal<span class=\"_ _5\"></span>e dersom den i det vesentlige overf\u00f8rer risiko og avkastning forbundet med eiersk<span class=\"_ _5\"></span>ap. \u00d8vrige leieavt<span class=\"_ _5\"></span>aler klassifiseres s<span class=\"_ _5\"></span>om operasjonel<span class=\"_ _5\"></span>le leie<span class=\"wscf\">avtaler.<span class=\"ls0 ws0\"> </span></span>Operasjonelle l<span class=\"_ _5\"></span>eiea<span class=\"ls0 ws0\">v</span><span class=\"wscf\">taler<span class=\"ls0 ws0\"> </span></span>Driftsmi<span class=\"_ _5\"></span>dlene balansef\u00f8res som varige driftsmidler i balansen. Leieinntek<span class=\"_ _5\"></span>t fra operasjonelle leieavtaler innregnes<span class=\"_ _5\"></span> i inntekten p\u00e5 line\u00e6rt grunnlag i leieperioden og pres<span class=\"_ _5\"></span>enteres p\u00e5 regnskapslinjen \u00abnetto renteinntekter\u00bb i res<span class=\"_ _5\"></span>ultat<span class=\"wscf\">regn</span>skapet. Regnskapsm<span class=\"_ _5\"></span>essige avskrivninger av de varige drif<span class=\"_ _5\"></span>ts<span class=\"lsaf wsf6\">midl<span class=\"_ _5\"></span>ene klassifiseres som ordin\u00e6re avskrivninger i resul<span class=\"_ _5\"></span>tatregnskapet.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le leieavtaler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le leieavtaler presenteres som utl\u00e5n og verdien p\u00e5 oppstartsti<span class=\"_ _5\"></span>dspunktet settes lik nettoinvesteringen i l<span class=\"_ _5\"></span>eieavtalen. Netto<span class=\"wscf\">invest<span class=\"_ _5\"></span>eringen </span>tilsvarer minimu<span class=\"_ _1\"></span>msleie,<span class=\"_ _1\"></span> ikke<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">garantert restverdi<span class=\"_ _5\"></span> og utleiers eventuelle direkt<span class=\"_ _5\"></span>e utgifter til avtaleinng\u00e5else <span class=\"wscf\">ned</span>diskontert<span class=\"_ _5\"></span> med internrenten. Leie</span>-<span class=\"_ _1c5\"> </span></span>inntekter innt<span class=\"_ _5\"></span>ektsf\u00f8res etter et annuitetsprins<span class=\"_ _5\"></span>ipp, hvor renteelementet inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, mens avdrag reduserer balanseverdien av utl\u00e5n.<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Forsi<span class=\"_ _5\"></span>kringskont<span class=\"_ _5\"></span>rakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter er kontrakter der konsernet p\u00e5tar seg en betydelig forsik<span class=\"_ _5\"></span>ringsrisiko fra en forsikringst<span class=\"_ _5\"></span>aker ved \u00e5 samtykke i \u00e5 betale erstatni<span class=\"_ _5\"></span>ng til forsikringstakeren dersom en angitt usikker framtidi<span class=\"_ _5\"></span>g hendelse p\u00e5virker forsikringst<span class=\"_ _5\"></span>akeren negativt.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Investerings</span>k<span class=\"_ _5\"></span>ontrakter med skj\u00f8nnsmessi<span class=\"_ _5\"></span>ge deler er ogs\u00e5 klassifisert som forsikringsk<span class=\"_ _5\"></span>ontrakter. I konsernet utstedes forsikringsk<span class=\"_ _5\"></span>ontrakter av det heleide datterselsk<span class=\"_ _5\"></span>apet DNB Livsforsikri<span class=\"_ _5\"></span>ng (et livsforsikringss<span class=\"_ _5\"></span>elskap). <span class=\"ls0 ws0\"> </span>Produkter som tilbys av DNB Livsforsik<span class=\"_ _5\"></span>ring og som er klassifisert som forsikringskont<span class=\"_ _5\"></span>rakter omfatter tradisjonel<span class=\"_ _5\"></span>le garanterte produkter (ytels<span class=\"_ _5\"></span>es<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>basert pensjon, fri<span class=\"_ _5\"></span>poliser, gamle individuelle produkter og garanti<span class=\"_ _5\"></span>konto), risikopensjoner og personalforsik<span class=\"_ _5\"></span>ring. Forsikringsk<span class=\"_ _5\"></span>ontrakter presenteres som \u00abforsikri<span class=\"_ _5\"></span>ngsforpliktelse\u00bb i balansen. I tillegg brukes gjenf<span class=\"_ _5\"></span>orsikringskontrakter for \u00e5 redusere risiko<span class=\"wscf\">ek<span class=\"_ _5\"></span>spo<span class=\"wsd2\">neringen. Diss<span class=\"_ _5\"></span>e kontraktene er </span></span>presentert som \u00abandre eiendeler\u00bb i balans<span class=\"_ _5\"></span>en.<span class=\"ls0 ws0\"> </span>Flere invest<span class=\"_ _5\"></span>eringskontrakter (herunder unit li<span class=\"_ _5\"></span>nk<span class=\"ls0 ws0\">-</span>kontrakter) og innskuddspensj<span class=\"_ _5\"></span>on i DNB Livsforsikring klassifiseres ikke som forsikringsk<span class=\"_ _5\"></span>ontrakter. Disse kontrakt<span class=\"_ _5\"></span>ene klassifiseres og m\u00e5les som finansielle instrumenter (IFRS 9), se ytterl<span class=\"_ _5\"></span>igere informasjon i<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">note K<span class=\"_ _5\"></span>34<span class=\"ls0 ws0\"> </span></span>Eiendeler <span class=\"_ _5\"></span>og forpliktelser,<span class=\"_ _5\"></span> kunder b\u00e6rer <span class=\"_ _5\"></span>risikoen<span class=\"lsc1 wsce\">. </span>M\u00e5lemetode<span class=\"ls0 ws0\"> </span>Hovedtrekkene i den generelle m\u00e5lem<span class=\"_ _5\"></span>odellen (GMM) for m\u00e5ling av forsikringsf<span class=\"_ _5\"></span>orpliktelser er:<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse representerer n\u00e5v<span class=\"_ _5\"></span>erdien av framtidige kontantstr\u00f8mmer inkludert<span class=\"_ _5\"></span> en risikojustering for ikke</span>-<span class=\"lsaf wsf6\">finans<span class=\"_ _5\"></span>iell risiko. </span></span>Beregningene er gjort p\u00e5 gruppeniv\u00e5 for f<span class=\"_ _5\"></span>orsikringskontrakter.<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">Forplikt<span class=\"_ _5\"></span>elsene inkluderer <span class=\"_ _5\"></span>estimert kontraktsregul<span class=\"_ _5\"></span>ert tjenes<span class=\"_ _5\"></span>te<span class=\"wsf6\">margin (CSM), som representerer det ikke</span></span>-<span class=\"lsaf wsf6\">opptjent<span class=\"_ _5\"></span> gevinst</span>-<span class=\"lsaf wsd2\">elementet i<span class=\"_ _5\"></span> </span></span>forsikringsk<span class=\"_ _5\"></span>ontraktene. <span class=\"wsf6\">CSM resultatf<span class=\"_ _5\"></span>\u00f8res over forsikringskontraktenes deknings<span class=\"_ _5\"></span>periode.<span class=\"ls0 ws0\"> </span></span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Visse endringer i estimat<span class=\"_ _5\"></span>ene for n\u00e5verdien av framtidige kontantstr\u00f8mmer og risikoj<span class=\"_ _5\"></span>usteringen for ikke</span>-<span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell risiko justeres mot CSM og </span></span>regnskapsf\u00f8<span class=\"_ _5\"></span>res i resultatregnskapet over den gjenv\u00e6rende dekningsperioden for de aktuell<span class=\"_ _5\"></span>e kontraktene. Effekten av <span class=\"wsd2\">endringer i t<span class=\"_ _5\"></span>idsverdi </span>av penger og andre finansielle risikoer,<span class=\"_ _5\"></span> som ikke justerer CSM, regnskapsf\u00f8res i resultat<span class=\"_ _5\"></span>regnskapet. DNB har valgt \u00e5 ikke benytte OCI<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>opsjonen som er tillatt etter IFRS 17.<span class=\"ls0 ws0\"> </span>Risikopensj<span class=\"_ _5\"></span>oner m\u00e5les i henhold til GMM.<span class=\"ls0 ws0\"> </span>\u00abVariable fee\u00bb<span class=\"ls0 ws0\">-</span>t<span class=\"_ _5\"></span>iln\u00e6rmingen (VFA) er en variant av GMM og gjelder forsikringskontrakt<span class=\"_ _5\"></span>er med elementer av direkte deltakelse (kontrakter med et betydelig element av investerings<span class=\"_ _5\"></span>relaterte tjenest<span class=\"_ _5\"></span>er knyttet til avkastningen p\u00e5 de underliggende postene). Underli<span class=\"_ _5\"></span>ggende poster best\u00e5r av spesifisert<span class=\"_ _5\"></span>e portef\u00f8ljer av investeringer som fastsett<span class=\"_ _5\"></span>er bel\u00f8p som skal tilfalle forsikri<span class=\"_ _5\"></span>ngstakere. Ledelsen bruker skj\u00f8nn for \u00e5 vurdere om kriteri<span class=\"_ _5\"></span>ene for bruk av VFA er oppf<span class=\"_ _1\"></span>ylt, der relev<span class=\"_ _5\"></span>ante elementer av deltagelse, inkludert overskudds<span class=\"_ _5\"></span>deling mellom kontrakter, tas i betraktning. Under VFA vil ogs\u00e5 estimert framtidig \u00abvariabl<span class=\"_ _5\"></span>e fee\u00bb, som inkluderer endringer i diskonteringsrente og noen andre finans<span class=\"_ _5\"></span>ielle<span class=\"ls0 ws0\"> </span>effekt<span class=\"_ _5\"></span>er, justeres mot CSM<span class=\"_ _1\"></span>. VFA<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">produktene har en investeringskomponent. N\u00e5r</span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>an vurderer om produkter har en investeringskomponent, tas det hensyn til </span></span>relevante el<span class=\"_ _5\"></span>ementer av deltagelse, inkludert overskudds<span class=\"wsd2\">del<span class=\"_ _5\"></span>ing mellom kont<span class=\"_ _5\"></span>rakter.<span class=\"ls0 ws0\"> </span></span>VFA brukes for de fleste livsforsikri<span class=\"_ _5\"></span>ngsproduktene, inkl<span class=\"_ _5\"></span>udert de tradisjonelle garanterte produktene.<span class=\"ls0 ws0\"> </span>Premiefordel<span class=\"_ _5\"></span>ingsmetoden (PAA) er en valgfri forenklet m\u00e5lemodel<span class=\"_ _5\"></span>l, i hovedsak for kortsiktige kontrakter med dekningsperiode p\u00e5 inntil 12 m\u00e5neder. Denne metoden brukes for personal<span class=\"_ _5\"></span>forsikring og gjenforsikring. DNB har for PAA valgt \u00e5 kostnadsf\u00f8re kont<span class=\"_ _5\"></span>ant<span class=\"ls0 ws0\">s</span><span class=\"wsd2\">tr\u00f8mmer ved </span>anskaffelse n\u00e5r de p\u00e5l\u00f8per. Forplik<span class=\"_ _5\"></span>telsen for inntrufne skader i PAA justeres for tidsverdi<span class=\"_ _5\"></span>en av penger <span class=\"_ _1\"></span>og virkni<span class=\"_ _5\"></span>ngen av finansiell risiko. Forsikrings<span class=\"_ _5\"></span>forpliktelser innenfor PAA er opprinnelig innregnet<span class=\"_ _5\"></span> som mottatte premieinntekter.<span class=\"ls0 ws0\"> </span>M\u00e5lingen av forsikringsf<span class=\"_ _5\"></span>orpliktelser oppdateres<span class=\"_ _5\"></span> basert p\u00e5 gjeldende forutsetninger ved utgangen av hver rapporterings<span class=\"_ _5\"></span>periode, herunder oppdatert disk<span class=\"_ _5\"></span>onteringsrente.<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyl<span class=\"_ _5\"></span>lelse<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse inkluderer bel\u00f8p konsernet forvent<span class=\"_ _5\"></span>er \u00e5 innhente fra premier og utbetalinger til krav, ytelser<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>og kostnader. Estimatene hensynt<span class=\"_ _5\"></span>ar eksplisitt justering for ikke<span class=\"ls0 ws0\">-</span>f<span class=\"_ _5\"></span>inansiell risiko og er basert p\u00e5 forholdene p\u00e5 balansedagen. For<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">\u00e5 <span class=\"_ _5\"></span>beregne framtidige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer for fors<span class=\"_ _5\"></span>ikringskontrakter <span class=\"_ _5\"></span>benyttes kontantst<span class=\"_ _5\"></span>r\u00f8mmene i Solv<span class=\"_ _5\"></span>ens II<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">direktiv<span class=\"_ _5\"></span>et som grunnlag for beregningene, med enkelte </span>justeri<span class=\"_ _5\"></span>nger. Estimatene vil blant annet omfatte stokastisk modell<span class=\"_ _5\"></span>ering (risikon\u00f8ytrale metoder) for<span class=\"ls0 ws0\"> </span>\u00e5 m\u00e5le finansiel<span class=\"_ _5\"></span>le opsjoner og garantier.<span class=\"ls0 ws0\"> </span>Risikojusteri<span class=\"_ _5\"></span>ngene for ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">finansiell risik<span class=\"_ _5\"></span>o, hovedsakelig knyttet til risiko for uf\u00f8rhet og forventet levealder, beregnes<span class=\"_ _5\"></span> etter samme metode som </span>for risikomarginen under S<span class=\"_ _5\"></span>olvens II, men i noen grad med andre forutsetninger. Den beregnede risiko<span class=\"wscf\">jus<span class=\"_ _5\"></span>tering</span>en tilsvarer et konfi<span class=\"_ _5\"></span>densniv\u00e5 p\u00e5 88 prosent.<span class=\"ls0 ws0\"> </span>Diskonterings<span class=\"_ _5\"></span>rente<span class=\"ls0 ws0\"> </span>Metoden som brukes for \u00e5 beregne den markedsbaserte diskont<span class=\"_ _5\"></span>eringsrenten er basert p\u00e5 en \"bottom<span class=\"ls0 ws0\">-</span><span class=\"wscf\">up\"<span class=\"ls0 ws0\">-</span></span>metode. Den risik<span class=\"_ _5\"></span>ofrie renten er avledet av den norske swaprenten de f\u00f8rst<span class=\"_ _5\"></span>e ti \u00e5rene. Kredittrisiko er justert for ved \u00e5 benytte samme metode som ved fastsettelse av Solvens II<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>direktivets<span class=\"_ _5\"></span> rentekurve. Etter ti \u00e5r ekstrapoleres rent<span class=\"_ _5\"></span>ekurven til en forward rate etter Smith<span class=\"ls0 ws0\">-<span class=\"lsbe ws10b\">Wils<span class=\"_ _5\"></span>on</span>-</span>metoden. Det legges til en illikv<span class=\"_ _5\"></span>iditets<span class=\"_ _1c5\"> </span>premie for hele l\u00f8peti<span class=\"_ _5\"></span>den under forutsetning av at forpliktelsene er illikvide gjennom hele p<span class=\"wscf\">eri<span class=\"_ _5\"></span>oden<span class=\"_ _1c5\"> </span></span><span class=\"wscf\">.<span class=\"_ _1c5\"> </span></span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span>Aggregeringsniv<span class=\"_ _5\"></span>\u00e5<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontraktene er delt inn i grupper av kontrakter. En portef\u00f8lje best\u00e5r av kontrakter som er underlagt li<span class=\"_ _5\"></span>gnende risiko og som forvaltes sammen. Port<span class=\"_ _5\"></span>ef\u00f8ljen vil v<span class=\"_ _5\"></span>idere bli delt <span class=\"_ _5\"></span>inn i <span class=\"_ _5\"></span>l\u00f8nnsom<span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span></span><span class=\"wsf6\">grupper og \u00e5rganger (\u00e5rlige kohorter).<span class=\"_ _5\"></span> For kontrakter m\u00e5lt etter VFA gjelder \"carve<span class=\"ls0 ws0\">-</span><span class=\"wscf\">out\"<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>unntaket godkj<span class=\"_ _5\"></span>ent av EU for \u00e5rlige ko<span class=\"wscf\">horter.<span class=\"ls0 ws0\"> </span></span>Kontraktens grense<span class=\"ls0 ws0\"> </span>Konsernet benytter begrepet<span class=\"_ _5\"></span> kontraktens grense for \u00e5 bestemme hvilke kontantst<span class=\"_ _5\"></span>r\u00f8mmer som s<span class=\"_ _1\"></span>kal<span class=\"_ _5\"></span> inng\u00e5 i m\u00e5lingen av grupper av forsikringsk<span class=\"_ _5\"></span>ontrakter. For de fleste tradisjonell<span class=\"_ _5\"></span>e garanterte produkter vurderes kontraktenes grens<span class=\"_ _5\"></span>er \u00e5 v\u00e6re langsiktige, noe<span class=\"ls0 ws0\"> <span class=\"lscd ws133\">som i<span class=\"_ _5\"></span></span></span>nneb\u00e6rer at alle framtidi<span class=\"_ _5\"></span>ge premier inng\u00e5r i kontantstr\u00f8mmene. Risikopensj<span class=\"_ _5\"></span>oner, garantikonto og personalfors<span class=\"_ _5\"></span>ikring har en kontraktsgrense p\u00e5 ett \u00e5r. Gjenforsikri<span class=\"_ _5\"></span>ngskontrakter har en kontraktsgrens<span class=\"_ _5\"></span>e p\u00e5 tre m\u00e5neder.<span class=\"ls0 ws0\"> </span>Innregning i res<span class=\"_ _5\"></span>ultatregnskapet<span class=\"ls0 ws0\"> </span>Linjen \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb inkluderer b\u00e5de resultat f<span class=\"_ _5\"></span>ra forsikringstjenester og finansres<span class=\"_ _5\"></span>ultat, livsforsikri<span class=\"_ _5\"></span>ng.<span class=\"ls0 ws0\"> </span>Resultat fra forsik<span class=\"_ _5\"></span>ringstjenester omfatter f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntekt, herunder frigiv<span class=\"_ _5\"></span>else av CSM og risikojustering i perioden.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kostnader for fors<span class=\"_ _5\"></span>ikringstjenester, herunder driftsk<span class=\"_ _5\"></span>ostnader knyttet til forsikringsk<span class=\"_ _5\"></span>ontrakter.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Netto inntekt / kostnad fra gjenf<span class=\"_ _5\"></span>orsikringskontrakter gjennom perioden.</span> </span>Finansres<span class=\"_ _5\"></span>ultat, livsforsikring inkluderer f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngsinntekter fra underliggende eiendeler ell<span class=\"_ _5\"></span>er gruppe av eiendeler, m\u00e5lt til virkelig verdi.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle forsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle gjenforsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span>Frigivelsen av CSM i resultatregnskapet<span class=\"_ _5\"></span> bestemmes av allokering av CSM ved utgangen av rapporteringsperioden for innev\u00e6rende <span class=\"wscf\">og </span>forventede gjenv\u00e6rende dek<span class=\"_ _5\"></span>ningsperiode for gruppen av forsikringskont<span class=\"_ _5\"></span>rakter, basert p\u00e5 dekningsenheter. Deknings<span class=\"_ _5\"></span>perioden er per<span class=\"wscf\">ioden </span>foretaket yter fors<span class=\"_ _5\"></span>ikringskontrakttj<span class=\"_ _5\"></span>enester. Forsikringskontrak<span class=\"_ _5\"></span>ttjenester inkluderer dek<span class=\"_ _5\"></span>ning for en forsikret hendelse, inves<span class=\"wscf\">teringsavk<span class=\"_ _5\"></span>astnings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>tjeneste og investeri<span class=\"_ _5\"></span>ngsrelatert tjeneste der det er relevant. Dekningsenhet<span class=\"_ _5\"></span>er for gruppen av forsikringskontrakter f<span class=\"_ _5\"></span>astsettes ved \u00e5 vurdere mengden av ytelser for hver kontrakt og dens forventet dekni<span class=\"_ _5\"></span>ngsperiode. Mengden av ytelser for investeringsavkastni<span class=\"_ _5\"></span>ng og inve<span class=\"wscf\">steringsrelatert </span>tjenester er eiendel<span class=\"_ _5\"></span>er under forvaltning, og for en forsikret hendelse er det forventede utbetalte ytels<span class=\"_ _5\"></span>er. Den relative vektingen av ytelsene for hver rapporterings<span class=\"_ _5\"></span>periode for tradisjonelle garant<span class=\"_ _5\"></span>erte produkter er basert p\u00e5 det maksimale av garantert rente og forventet a<span class=\"ls0 ws0\">v</span>kastning p\u00e5 eiendeler i perioden,<span class=\"_ _5\"></span> sammenliknet med forventede utbetalte ytelser. Konsernet har valgt \u00e5 diskontere deknings<span class=\"_ _5\"></span><span class=\"wsd2\">enheter med s<span class=\"_ _5\"></span>amme </span>diskonterings<span class=\"_ _5\"></span>rente som ved diskontering av kontantstr\u00f8mmer.<span class=\"ls0 ws0\"> </span>For frigivels<span class=\"_ _5\"></span>en av CSM behandles hvert kvartal som en atskilt del\u00e5rsrapporteringsperiode.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Endringer som er knyttet til n\u00e5v\u00e6rende eller ti<span class=\"_ _5\"></span>dligere tjenester, regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atregnskapet, og endringer som er knyttet til framt<span class=\"_ _5\"></span>idige tjenester, i<span class=\"_ _5\"></span>nnregnes ved balansef\u00f8ring mot CSM eller mot tapskomponenten.<span class=\"ls0 ws0\"> </span>Frigivelsen av risikoj<span class=\"_ _5\"></span>usteringen er basert p\u00e5 utviklingen i kapitalkost<span class=\"_ _5\"></span>naden for hver periode. Hele endringen av risikojusteri<span class=\"_ _5\"></span>ngen, inkludert finanseff<span class=\"_ _5\"></span>ekten, inng\u00e5r i resultat fra forsikrings<span class=\"wscf\">tj<span class=\"_ _5\"></span>enester.<span class=\"ls0 ws0\"> </span></span>Forventet og faktisk tilbak<span class=\"_ _5\"></span>ebetaling av investeringskomponent<span class=\"_ _5\"></span>en under VFA vil ikke v\u00e6re en del av for<span class=\"_ _1\"></span>sikri<span class=\"_ _5\"></span>ngsinntekter og kostnader for forsikringst<span class=\"_ _5\"></span>jenester.<span class=\"ls0 ws0\"> </span>Tapsbringende k<span class=\"_ _5\"></span>ontrakter innregnes umiddelbart som tap under kostnader for forsik<span class=\"_ _5\"></span>ringstjenester.<span class=\"ls0 ws0\"> </span>For kontrakter m\u00e5lt under VFA vil finansresultat<span class=\"_ _5\"></span>et v\u00e6re tiln\u00e6rmet null, fordi forsik<span class=\"_ _5\"></span>ringsfinansinntekter eller <span class=\"ls0 ws0\">-</span>kost<span class=\"_ _5\"></span>nader som omfatter endringer i virkelig verdi av underli<span class=\"_ _5\"></span>ggende poster (unntatt tillegg og uttak) vil v\u00e6re tiln\u00e6rmet likt s<span class=\"_ _5\"></span>om investeringsinntektene fra underliggende eiendeler m\u00e5lt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper <span class=\"ls0 ws0\"> </span>For inf<span class=\"_ _5\"></span>ormasjon om regnsk<span class=\"_ _5\"></span>apsprinsipper, s<span class=\"_ _5\"></span>e note K27 K<span class=\"_ _5\"></span>lassifikasjon av f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>instrumenter.<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter med egenskaper som egenkapital<span class=\"ls0 ws0\"> </span>Utstedte hybridk<span class=\"_ _5\"></span>apitalinstrumenter i kons<span class=\"_ _5\"></span>ernet er instrumenter der DNB har en ensidig rett til ikke \u00e5 betale tilbake renter eller hovedstolen til investorene.<span class=\"_ _5\"></span> Som f\u00f8lge av disse vilk\u00e5rene tilfredsstiller ikke inst<span class=\"_ _5\"></span>rumentene kravene til forpliktelse og innr<span class=\"wsd2\">egnes <span class=\"_ _5\"></span>i kon</span>sernets egenkapi<span class=\"_ _5\"></span>tal p\u00e5 linjen \u00abHybridkapi<span class=\"_ _5\"></span>tal\u00bb. Transaks<span class=\"_ _5\"></span>jons<span class=\"lsc5 ws130\">kost</span><span class=\"wsf6\">nader og renter presenteres som en reduksjon i \u00abAnnen egenkapital\u00bb.<span class=\"ls0 ws0\"> </span></span>Egenkapit<span class=\"_ _5\"></span>al i utenlandsk valuta omregnes til norske kroner med kursen fra transaksjons<span class=\"_ _5\"></span>datoen og er ikke gjenstand for senere <span class=\"wscf\">revaluering. </span>Hybridkapital<span class=\"_ _5\"></span> i utenlandsk valuta er dermed kun revaluert ved innl\u00f8sning.<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes n\u00e5r det er sannsynlig at banken m\u00e5 gj\u00f8re opp <span class=\"_ _1\"></span>en eksist<span class=\"_ _5\"></span>erende plikt, som er et resultat av en tidligere hendelse, og forpliktel<span class=\"_ _5\"></span>sen kan estimeres p\u00e5litelig.<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes til<span class=\"_ _5\"></span> beste estimat. E<span class=\"_ _5\"></span>stimatet gjennom<span class=\"_ _5\"></span><span class=\"wsf6\">g\u00e5s ved hver rapportering og justeres ved behov.<span class=\"ls0 ws0\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-1": {
   "value": "DNB Bank",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-2": {
   "value": "ASA",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-444": {
   "value": "norsk",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-3": {
   "value": "DNB-konsernet",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-4": {
   "value": "tilbyr banktjenester, verdipapir- og investeringstjenester, eiendomsmeglertjenester og forsikrings- og forvaltningstjenester for person- og bedriftsmarkedet",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-5": {
   "value": "Norge",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-6": {
   "value": "Dronning Eufemias gate 30, Bj\u00f8rvika",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-7": {
   "value": "Norge.",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-387": {
   "value": "Grunnlag for<span class=\"_ _1\"></span> utarbeidelse av regnskape<span class=\"_ _1\"></span>t<span class=\"ls0 ws0\"> </span>DNB har avlagt konsernregnsk<span class=\"_ _5\"></span>apet for 2025 i samsvar med IFRS\u00ae <span class=\"_ _1\"></span>Accounti<span class=\"_ _5\"></span>ng Standards, som er utgitt av International Accounti<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Standards </span>Board (IASB) og godkjent av den europeiske unionen (EU). <span class=\"ls0 ws0\"> </span>Konsernregnskapet<span class=\"_ _5\"></span> er basert p\u00e5 historisk kost<span class=\"ls0 ws0\">-</span>prinsippet med unntak av finansi<span class=\"_ _5\"></span>elle eiendeler og forpliktelser m\u00e5lt til virkel<span class=\"_ _5\"></span>ig verdi og investerings<span class=\"_ _5\"></span>eiendommer. Konsern<span class=\"wscf\">regn</span>skapet er pres<span class=\"_ _5\"></span>entert i norske kroner. Om ikke annet er angitt, avrundes verdiene t<span class=\"lsbe ws104\">i<span class=\"_ _5\"></span>l n\u00e6r</span>mest<span class=\"_ _5\"></span>e million. <span class=\"ls0 ws0\"> </span>Konsernets bal<span class=\"_ _5\"></span>anseoppstilling er i hovedsak basert p\u00e5 en vurdering av balansepos<span class=\"_ _5\"></span>tenes likviditet.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-8": {
   "value": "DNB har avlagt konsernregnsk<span class=\"_ _5\"></span>apet for 2025 i samsvar med IFRS\u00ae <span class=\"_ _1\"></span>Accounti<span class=\"_ _5\"></span>ng Standards, som er utgitt av International Accounti<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Standards </span>Board (IASB) og godkjent av den europeiske unionen (EU).",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-9": {
   "value": "Endringer i<span class=\"_ _1\"></span> regnskapsprinsipper<span class=\"ls0 ws0\"> </span>Kontantsikkerhet avg<span class=\"_ _5\"></span>itt og mottatt<span class=\"fffd ls0 ws0\"> </span>Fra og med 1. juli 2025 har DNB<span class=\"ls0 ws0\">-</span>konsernet presentert avgitt<span class=\"_ _5\"></span> kontantsikkerhet som en fordring under \"Andre eiendeler\" og mottatt kontantsikk<span class=\"_ _5\"></span>erhet som gjeld under \"Annen gjeld\".<span class=\"ls0 ws0\"> </span>Kontants<span class=\"_ _5\"></span>ikkerhet som er avgitt og mottatt i forbindelse med derivater ble tidligere presentert under \"Finansi<span class=\"_ _5\"></span>elle derivater\".<span class=\"ls0 ws0\"> </span>Endringene gjens<span class=\"_ _5\"></span>peiles i sammenlikningstal<span class=\"_ _5\"></span>lene.<span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-455": {
   "value": "Endringer i<span class=\"_ _1\"></span> regnskapsprinsipper<span class=\"ls0 ws0\"> </span>Kontantsikkerhet avg<span class=\"_ _5\"></span>itt og mottatt<span class=\"fffd ls0 ws0\"> </span>Fra og med 1. juli 2025 har DNB<span class=\"ls0 ws0\">-</span>konsernet presentert avgitt<span class=\"_ _5\"></span> kontantsikkerhet som en fordring under \"Andre eiendeler\" og mottatt kontantsikk<span class=\"_ _5\"></span>erhet som gjeld under \"Annen gjeld\".<span class=\"ls0 ws0\"> </span>Kontants<span class=\"_ _5\"></span>ikkerhet som er avgitt og mottatt i forbindelse med derivater ble tidligere presentert under \"Finansi<span class=\"_ _5\"></span>elle derivater\".<span class=\"ls0 ws0\"> </span>Endringene gjens<span class=\"_ _5\"></span>peiles i sammenlikningstal<span class=\"_ _5\"></span>lene.<span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-10": {
   "value": "Konsolide<span class=\"_ _1\"></span>ring <span class=\"ls0 ws0\"> </span>I konsernregnskapet<span class=\"_ _5\"></span> for DNB Bank ASA (\u00abDNB\u00bb eller \u00ab<span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet\u00bb) inng\u00e5r DNB Livsforsikri<span class=\"_ _5\"></span>ng AS, DNB Asset Management Holding AS <span class=\"lsbb ws106\">og DNB </span>Carnegie Holding AB, alle med underliggende datters<span class=\"_ _5\"></span>elskaper.<span class=\"ls0 ws0\"> </span>Regnskaps<span class=\"_ _5\"></span>prinsippene anvendes konsistent ved innarbeiding av eierinteress<span class=\"_ _5\"></span>er i datterselskaper og er basert p\u00e5 de samme rapporteringsperiodene s<span class=\"_ _5\"></span>om for morselskapet. <span class=\"ls0 ws0\"> </span>Ved utarbeidelse av konsernregnsk<span class=\"_ _5\"></span>apet elimineres konsernint<span class=\"_ _5\"></span>erne transaksjoner, balanser og gevinster og tap p\u00e5 transak<span class=\"wsd2\">sj<span class=\"_ _5\"></span>oner mellom enheter </span>i konsernet",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-11": {
   "value": "Omregni<span class=\"_ _5\"></span>ng av tra<span class=\"_ _5\"></span>nsaksjoner i<span class=\"_ _5\"></span> utenlandsk<span class=\"_ _5\"></span> valuta <span class=\"ls0 ws0\"> </span>Utenlandsk<span class=\"_ _5\"></span>e filialers og datterselskapers bal<span class=\"_ _5\"></span>anser i annen valuta enn norske kroner omregnes til norske kroner etter valutakurs p\u00e5 balan<span class=\"lsbf ws107\">se<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>dagen. Resultatene omregnes<span class=\"_ _5\"></span> etter gjennomsnittlige valutakurs<span class=\"_ _5\"></span>er.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-12": {
   "value": "Betydelige<span class=\"_ _5\"></span> <span class=\"lsba ws105\">regnskapsestimate<span class=\"_ _1\"></span>r, skj\u00f8nn og forutse<span class=\"_ _1\"></span>tninger<span class=\"ls0 ws0\"> </span></span>Utarbeidelse av kons<span class=\"_ _5\"></span>ernregnskapet medf\u00f8rer at ledelsen utarbeider est<span class=\"_ _5\"></span>imater, gj\u00f8r skj\u00f8nnsmessige vurderinger og tar forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger som </span>p\u00e5virker anvendels<span class=\"_ _5\"></span>en av regnskapsprinsipper, herunder regns<span class=\"_ _5\"></span>kapsf\u00f8rte bel\u00f8p for eiendeler, forplikt<span class=\"_ _5\"></span>elser, inntekter, kostnader og informasjon om<span class=\"_ _5\"></span> potensiel<span class=\"_ _5\"></span>le forpliktelser. Estimat<span class=\"_ _5\"></span>er <span class=\"_ _1\"></span>og forutset<span class=\"_ _5\"></span>ninger evalueres l\u00f8pende og er basert p\u00e5 historisk erfaring og andre faktorer<span class=\"_ _5\"></span><span class=\"wsd2\">, inklus<span class=\"_ _5\"></span>ive for<span class=\"lsbd ws104\">v<span class=\"_ _5\"></span>ent<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>ninger om framtidi<span class=\"_ _5\"></span>ge hendelser som anses \u00e5 <span class=\"_ _1\"></span>v\u00e6<span class=\"_ _5\"></span>re sannsynlige p\u00e5 balansetidspunktet. <span class=\"ls0 ws0\"> </span>Nedsk<span class=\"_ _1\"></span>rivnin<span class=\"_ _1\"></span>ger p\u00e5 fin<span class=\"_ _1\"></span>ansi<span class=\"_ _1\"></span>elle in<span class=\"_ _1\"></span>strumen<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span>Se note K5 Styring av kredittrisiko for inf<span class=\"_ _5\"></span>ormasjon om styring og oppf\u00f8ling av kredittrisiko og note K6 M\u00e5ling av forventet k<span class=\"wsd2\">redittap f<span class=\"_ _5\"></span>or </span>informasjon om metodikk<span class=\"_ _5\"></span> for \u00e5 estimere nedskrivninger inkludert en vurdering av estimatusikkerhet.<span class=\"_ _1c5\"> </span>Virke<span class=\"_ _5\"></span>lig verdi p\u00e5 fi<span class=\"_ _5\"></span>nansielle<span class=\"_ _5\"></span> derivate<span class=\"_ _5\"></span>r og andre fina<span class=\"_ _5\"></span>nsielle i<span class=\"_ _5\"></span>nstrumenter<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi p\u00e5 finansielle instrumenter som ikke handles i et aktivt marked fastsettes v<span class=\"_ _5\"></span>ed \u00e5 benytte ulike verdsettelsesteknikker. K<span class=\"_ _5\"></span>onsernet vurderer og velger metoder og forutset<span class=\"_ _5\"></span>ninger som s\u00e5 langt som mulig er basert p\u00e5 observerbare markedsdata som representerer markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>forholdene p\u00e5 balans<span class=\"_ _5\"></span>edagen. Ved m\u00e5ling av finansielle instrumenter hvor observerbare markedsdat<span class=\"_ _5\"></span>a ikke er tilgjengelig, gj\u00f8r k<span class=\"_ _5\"></span><span class=\"wscf\">onsernet </span>antagelser om hva markedsakt\u00f8rer v<span class=\"_ _5\"></span>il legge til grunn ved verdsettelse av tilsvarende finansiel<span class=\"_ _5\"></span>le instr<span class=\"ls0 ws0\">u</span>menter. I verdsettelsene k<span class=\"_ _5\"></span>reves det utstrakt bruk av skj\u00f8nn blant annet ved beregning av likvi<span class=\"_ _5\"></span>ditetsrisiko, kredit<span class=\"_ _5\"></span>trisiko og volatilitet. En endring i de nevnte faktorene vil p\u00e5vi<span class=\"_ _5\"></span>rke fastsatt vi<span class=\"_ _5\"></span>rkelig verdi p\u00e5 konsernets finansielle inst<span class=\"_ _5\"></span>rumenter. For mer informasjon se note K29 Finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi. <span class=\"ls0 ws0\"> </span>M\u00e5ling<span class=\"_ _1\"></span> av fo<span class=\"_ _1\"></span>rpli<span class=\"_ _1\"></span>ktels<span class=\"_ _1\"></span>er fra <span class=\"_ _1\"></span>forsikr<span class=\"_ _1\"></span>ingsko<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>kter i D<span class=\"_ _1\"></span>NB L<span class=\"_ _1\"></span>ivsfo<span class=\"_ _1\"></span>rsikrin<span class=\"_ _1\"></span>g<span class=\"ls0 ws0\"> </span>N\u00e5r det gjelder forsikringsf<span class=\"_ _5\"></span>orpliktelser, er risik<span class=\"_ _5\"></span>o og usikkerhet hovedsakelig knyttet til renteniv<span class=\"_ _5\"></span>\u00e5, samt sannsynligheten for d\u00f8d og uf\u00f8rhet. \u00d8kt forventet leveal<span class=\"_ _5\"></span>der p\u00e5virker framtidig forventede forsikrings<span class=\"_ _5\"></span>utbetalinger og forplikt<span class=\"_ _5\"></span>elser. Rentekurven som benyttes som utgangspunkt for m\u00e5ling av forsikringsforpl<span class=\"_ _5\"></span>iktelsene best\u00e5r av risikofri<span class=\"_ _5\"></span> rente og en illikviditetspremie. Ledels<span class=\"_ _5\"></span>en bestemmer prinsippene for rentekurven. Il<span class=\"_ _5\"></span>likviditets<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>premien av<span class=\"_ _5\"></span>ledes fra sel<span class=\"_ _5\"></span>skaps<span class=\"wscf\">obligasjonsi<span class=\"_ _5\"></span>ndekser. <span class=\"ls0 ws0\"> </span></span>Verdi<span class=\"_ _5\"></span>vurdering av<span class=\"_ _5\"></span> eiendommer<span class=\"_ _5\"></span> i DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>ngseiendom m\u00e5les til virkelig verdi ved \u00e5 diskontere framtidige forv<span class=\"_ _5\"></span>entede netto kontantstr\u00f8mmer til sin n\u00e5verdi. Fastsett<span class=\"_ _5\"></span>else av de framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmene krever anvendels<span class=\"_ _5\"></span>e av betydelig skj\u00f8nn og de <span class=\"_ _1\"></span>vi<span class=\"_ _5\"></span>rkelige verdiene avhenger i betydelig grad av forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger om </span>framti<span class=\"_ _5\"></span>den, eksempelvis avkastningskrav og niv\u00e5 p\u00e5 framtidig markedsl<span class=\"_ _5\"></span>eie. Se note K35 <span class=\"ls0 ws0\">I</span>nvesteringseiendommer for forutset<span class=\"_ _5\"></span>ninger som er lagt til grunn ved beregning av virkelig verdi av<span class=\"_ _5\"></span> eiendomsportef\u00f8ljen i DNB Livsfors<span class=\"_ _5\"></span>ikring. <span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktsskatt<span class=\"_ _5\"></span>, herunder uts<span class=\"_ _5\"></span>att skatt<span class=\"_ _5\"></span>eforde<span class=\"_ _5\"></span>l og usikre skatt<span class=\"_ _5\"></span>eforplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span>Konsernet skattl<span class=\"_ _5\"></span>egges for inntekt innenfor mange jurisdiksjoner. Betydeli<span class=\"_ _5\"></span>g bruk av skj\u00f8nn er p\u00e5krevd for \u00e5 fastsette inntekts<span class=\"wsd2\">skatt<span class=\"_ _5\"></span>en i konsern<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>regnskapet, herunder v<span class=\"_ _5\"></span>urderinger av innregning av utsatt skattefordel og usikre skattef<span class=\"_ _5\"></span>orpliktelser. <span class=\"ls0 ws0\"> </span>Konsernet innregner uts<span class=\"_ _5\"></span>att skattefordel med det bel\u00f8p som sannsynlig vil kunne benyttes mot framtidi<span class=\"_ _5\"></span>g skattepliktig inntekt. <span class=\"wscf\">Omfattende </span>vurderinger m\u00e5 gj\u00f8<span class=\"_ _5\"></span>res for \u00e5 fastsette bel\u00f8pet som kan innregnes, herunder forventet tidspunkt for utnyttels<span class=\"_ _5\"></span>e, niv\u00e5et p\u00e5 skattemessig positivt resultat s<span class=\"_ _5\"></span>\u00e5 vel som <span class=\"_ _5\"></span>strategier for sk<span class=\"_ _5\"></span>atte<span class=\"wscf\">plan<span class=\"wsf6\">legging og eksistens<span class=\"_ _5\"></span>en av skattepliktige midlerti<span class=\"_ _5\"></span>dige for<span class=\"lsb9 wsff\">skjeller. <span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span></span>For mange transaksjoner og beregninger vi<span class=\"_ _5\"></span>l det v\u00e6re usik<span class=\"wscf\">ker</span>het knyttet til den endelige skatt<span class=\"_ _5\"></span>eforpliktelsen. Konsernet innregner sk<span class=\"_ _5\"></span>atte<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>forpliktel<span class=\"_ _5\"></span>ser knyttet til framtidige avgj\u00f8rels<span class=\"_ _5\"></span>er i skattesaker basert p\u00e5 estimater for endret inntektssk<span class=\"_ _5\"></span>att. Ved vurdering av innregning av usikre skatteforpli<span class=\"_ _5\"></span>ktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig. Hvis det endelige utfall av sakene avviker f<span class=\"_ _5\"></span>ra opprinnelig avsatt bel\u00f8p innregnet i balans<span class=\"_ _5\"></span>en, vil avviket p\u00e5virke regnskapsf\u00f8rt skatte<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nad i <span class=\"wscf\">res<span class=\"_ _5\"></span>ultatregn</span></span>skapet den perioden avviket fastsl\u00e5s.<span class=\"ls0 ws0\"> </span>For mer informasjon se note K25 Skatt.<span class=\"ls0 ws0\"> </span>Avset<span class=\"_ _5\"></span>ninger<span class=\"ls0 ws0\"> </span>Det anvendes skj\u00f8nn n\u00e5r det skal avgj\u00f8res hvorvidt en eksisterende plik<span class=\"_ _5\"></span>t er identifisert, og n\u00e5r sannsynlighet, oppgj\u00f8<span class=\"_ _5\"></span>rstidspunkt og bel\u00f8p for str\u00f8mmen av \u00f8konomiske fordeler ut av konsernet skal estimeres<span class=\"_ _5\"></span>. Avsetninger for krav i rettsaker og i regulatorisk<span class=\"_ _5\"></span>e forhold vil typisk kreve et h\u00f8yere niv\u00e5 av skj\u00f8nnsanvendelse enn andre typer avset<span class=\"_ _5\"></span>ninger. For mer informasjon se note K51 Betingede utfall.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-391": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K1 R<span class=\"_ _1\"></span>egnskapsprinsipper<span class=\"_ _1c5\"> </span></div>Selskapsinfor<span class=\"_ _1\"></span>masjon<span class=\"ls0 ws0\"> </span>DNB Bank ASA er et norsk allmennaksjeselsk<span class=\"_ _5\"></span>ap notert p\u00e5 Oslo B\u00f8rs. Konsernregnskapet for 2025 ble godkjent av styret 10. mars <span class=\"wscf\">2026.<span class=\"ls0 ws0\"> </span></span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet</span></span><span class=\"ls0 ws0\"><span class=\"lsaf wsf6\"> </span><span class=\"lsaf wsf6\">t<span class=\"_ _5\"></span>ilbyr banktjenester, verdi<span class=\"_ _5\"></span>papir</span>- <span class=\"lsaf wsf6\">og inve<span class=\"lsbc ws103\">ste<span class=\"lsbd ws104\">rin<span class=\"_ _5\"></span>gs</span></span>t<span class=\"_ _5\"></span>jenester, eiendomsmeglertjenest<span class=\"_ _5\"></span>er og forsikrings</span>- <span class=\"lsaf wsd2\">og for<span class=\"wsf6\">v<span class=\"_ _5\"></span>altningstjenester for </span></span></span>person<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og bedriftsmark<span class=\"_ _5\"></span>edet</span><span class=\"wsf6\"> i Norge og internasjonalt. <span class=\"ls0 ws0\"> </span></span>Konsernets hovedk<span class=\"_ _5\"></span>ontor har bes\u00f8ksadresse Dronning Eufemias gate 30, Bj\u00f8rvik<span class=\"_ _5\"></span>a, Oslo, Norge. <span class=\"ls0 ws0\"> </span>Grunnlag for<span class=\"_ _1\"></span> utarbeidelse av regnskape<span class=\"_ _1\"></span>t<span class=\"ls0 ws0\"> </span>DNB har avlagt konsernregnsk<span class=\"_ _5\"></span>apet for 2025 i samsvar med IFRS\u00ae <span class=\"_ _1\"></span>Accounti<span class=\"_ _5\"></span>ng Standards, som er utgitt av International Accounti<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Standards </span>Board (IASB) og godkjent av den europeiske unionen (EU). <span class=\"ls0 ws0\"> </span>Konsernregnskapet<span class=\"_ _5\"></span> er basert p\u00e5 historisk kost<span class=\"ls0 ws0\">-</span>prinsippet med unntak av finansi<span class=\"_ _5\"></span>elle eiendeler og forpliktelser m\u00e5lt til virkel<span class=\"_ _5\"></span>ig verdi og investerings<span class=\"_ _5\"></span>eiendommer. Konsern<span class=\"wscf\">regn</span>skapet er pres<span class=\"_ _5\"></span>entert i norske kroner. Om ikke annet er angitt, avrundes verdiene t<span class=\"lsbe ws104\">i<span class=\"_ _5\"></span>l n\u00e6r</span>mest<span class=\"_ _5\"></span>e million. <span class=\"ls0 ws0\"> </span>Konsernets bal<span class=\"_ _5\"></span>anseoppstilling er i hovedsak basert p\u00e5 en vurdering av balansepos<span class=\"_ _5\"></span>tenes likviditet.<span class=\"ls0 ws0\"> </span>Endringer i<span class=\"_ _1\"></span> regnskapsprinsipper<span class=\"ls0 ws0\"> </span>Kontantsikkerhet avg<span class=\"_ _5\"></span>itt og mottatt<span class=\"fffd ls0 ws0\"> </span>Fra og med 1. juli 2025 har DNB<span class=\"ls0 ws0\">-</span>konsernet presentert avgitt<span class=\"_ _5\"></span> kontantsikkerhet som en fordring under \"Andre eiendeler\" og mottatt kontantsikk<span class=\"_ _5\"></span>erhet som gjeld under \"Annen gjeld\".<span class=\"ls0 ws0\"> </span>Kontants<span class=\"_ _5\"></span>ikkerhet som er avgitt og mottatt i forbindelse med derivater ble tidligere presentert under \"Finansi<span class=\"_ _5\"></span>elle derivater\".<span class=\"ls0 ws0\"> </span>Endringene gjens<span class=\"_ _5\"></span>peiles i sammenlikningstal<span class=\"_ _5\"></span>lene.<span class=\"ls0 ws0\"> </span>Konsolide<span class=\"_ _1\"></span>ring <span class=\"ls0 ws0\"> </span>I konsernregnskapet<span class=\"_ _5\"></span> for DNB Bank ASA (\u00abDNB\u00bb eller \u00ab<span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet\u00bb) inng\u00e5r DNB Livsforsikri<span class=\"_ _5\"></span>ng AS, DNB Asset Management Holding AS <span class=\"lsbb ws106\">og DNB </span>Carnegie Holding AB, alle med underliggende datters<span class=\"_ _5\"></span>elskaper.<span class=\"ls0 ws0\"> </span>Regnskaps<span class=\"_ _5\"></span>prinsippene anvendes konsistent ved innarbeiding av eierinteress<span class=\"_ _5\"></span>er i datterselskaper og er basert p\u00e5 de samme rapporteringsperiodene s<span class=\"_ _5\"></span>om for morselskapet. <span class=\"ls0 ws0\"> </span>Ved utarbeidelse av konsernregnsk<span class=\"_ _5\"></span>apet elimineres konsernint<span class=\"_ _5\"></span>erne transaksjoner, balanser og gevinster og tap p\u00e5 transak<span class=\"wsd2\">sj<span class=\"_ _5\"></span>oner mellom enheter </span>i konsernet.<span class=\"ls0 ws0\"> </span>Omregni<span class=\"_ _5\"></span>ng av tra<span class=\"_ _5\"></span>nsaksjoner i<span class=\"_ _5\"></span> utenlandsk<span class=\"_ _5\"></span> valuta <span class=\"ls0 ws0\"> </span>Utenlandsk<span class=\"_ _5\"></span>e filialers og datterselskapers bal<span class=\"_ _5\"></span>anser i annen valuta enn norske kroner omregnes til norske kroner etter valutakurs p\u00e5 balan<span class=\"lsbf ws107\">se<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>dagen. Resultatene omregnes<span class=\"_ _5\"></span> etter gjennomsnittlige valutakurs<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span>Vedtatte, i<span class=\"_ _5\"></span>kke<span class=\"ls0 ws0\">-<span class=\"lsba ws105\">ikrafttr\u00e5dte standar<span class=\"_ _1\"></span>der og fortolkninger<span class=\"ls0 ws0\"> </span></span></span>IFRS 18<span class=\"_ _5\"></span> Presentati<span class=\"_ _5\"></span>on and Disclos<span class=\"_ _5\"></span>ure in Fina<span class=\"_ _5\"></span>ncial Statem<span class=\"_ _5\"></span>ents<span class=\"ls0 ws0\"> </span>I april 2024 utga IASB den nye standarden for presentasjon av finansregnskap,<span class=\"_ _5\"></span> IFRS 18 \u00abPresentation and Disclosure in Financi<span class=\"wscf\">al </span>Statements\u2019<span class=\"_ _5\"></span>\u00bb, som vil erstatte IAS 1, \u00abOpplysninger om regnskapsprinsipper\u00bb. Form\u00e5let med IFRS 18 er \u00e5 forbedre hvordan enhet<span class=\"lsc1 wsce\">er </span><span class=\"wscf\">f<span class=\"_ _5\"></span>ormidler </span>finansi<span class=\"_ _5\"></span>elle resultater i regnskapet, med fokus p\u00e5 resultatregnsk<span class=\"_ _5\"></span>apet og rapporteringen av finansielle resultater. <span class=\"ls0 ws0\"> </span>Den nye standarden vil tre i kraft for \u00e5rlige rapporterings<span class=\"_ _5\"></span>perioder som begynner p\u00e5 eller etter 1. januar 2027, og det er tillatt \u00e5 anvende den tidligere.<span class=\"_ _5\"></span> Standarden <span class=\"_ _5\"></span>er tiltr\u00e5dt <span class=\"_ _5\"></span>av EU. <span class=\"wscf\">Kons<span class=\"_ _5\"></span>ernet<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">har forel\u00f8pig ingen planer om \u00e5 innf\u00f8re disse endringene f\u00f8r ikraftt<span class=\"_ _5\"></span>redelsesdatoen.<span class=\"ls0 ws0\"> </span></span></span>DNB vurderer hvordan post<span class=\"_ _5\"></span>ene i resultatregnskapet skal klassifiseres<span class=\"_ _5\"></span> i de tre nye kategoriene introdusert i IFRS 18. DNB forventer at hoveddelene av postene vil bli inkludert i<span class=\"_ _5\"></span> driftskategorien, mens enkelte post<span class=\"_ _5\"></span>er fortsatt er gjenstand for vurdering.<span class=\"ls0 ws0\"> </span>Standarden ventes ikk<span class=\"_ _5\"></span>e \u00e5 ha noen<span class=\"_ _1\"></span> <span class=\"wscf\">vesent<span class=\"_ _5\"></span>lige </span>finansiell<span class=\"_ _5\"></span>e effekter for D<span class=\"_ _1\"></span>NB,<span class=\"_ _5\"></span> da IFRS 18 fokuserer p\u00e5 presentasjon og opplysninger i regnskap. <span class=\"ls0 ws0\"> </span>Betydelige<span class=\"_ _5\"></span> <span class=\"lsba ws105\">regnskapsestimate<span class=\"_ _1\"></span>r, skj\u00f8nn og forutse<span class=\"_ _1\"></span>tninger<span class=\"ls0 ws0\"> </span></span>Utarbeidelse av kons<span class=\"_ _5\"></span>ernregnskapet medf\u00f8rer at ledelsen utarbeider est<span class=\"_ _5\"></span>imater, gj\u00f8r skj\u00f8nnsmessige vurderinger og tar forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger som </span>p\u00e5virker anvendels<span class=\"_ _5\"></span>en av regnskapsprinsipper, herunder regns<span class=\"_ _5\"></span>kapsf\u00f8rte bel\u00f8p for eiendeler, forplikt<span class=\"_ _5\"></span>elser, inntekter, kostnader og informasjon om<span class=\"_ _5\"></span> potensiel<span class=\"_ _5\"></span>le forpliktelser. Estimat<span class=\"_ _5\"></span>er <span class=\"_ _1\"></span>og forutset<span class=\"_ _5\"></span>ninger evalueres l\u00f8pende og er basert p\u00e5 historisk erfaring og andre faktorer<span class=\"_ _5\"></span><span class=\"wsd2\">, inklus<span class=\"_ _5\"></span>ive for<span class=\"lsbd ws104\">v<span class=\"_ _5\"></span>ent<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>ninger om framtidi<span class=\"_ _5\"></span>ge hendelser som anses \u00e5 <span class=\"_ _1\"></span>v\u00e6<span class=\"_ _5\"></span>re sannsynlige p\u00e5 balansetidspunktet. <span class=\"ls0 ws0\"> </span>Nedsk<span class=\"_ _1\"></span>rivnin<span class=\"_ _1\"></span>ger p\u00e5 fin<span class=\"_ _1\"></span>ansi<span class=\"_ _1\"></span>elle in<span class=\"_ _1\"></span>strumen<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span>Se note K5 Styring av kredittrisiko for inf<span class=\"_ _5\"></span>ormasjon om styring og oppf\u00f8ling av kredittrisiko og note K6 M\u00e5ling av forventet k<span class=\"wsd2\">redittap f<span class=\"_ _5\"></span>or </span>informasjon om metodikk<span class=\"_ _5\"></span> for \u00e5 estimere nedskrivninger inkludert en vurdering av estimatusikkerhet.<span class=\"_ _1c5\"> </span><div class=\"c wac h12b gsc9\"><div class=\"t m2 x248 h12c y1e1e ffff fs59 fc21 sc0 lsb7 wsfd\">Virke<span class=\"_ _5\"></span>lig verdi p\u00e5 fi<span class=\"_ _5\"></span>nansielle<span class=\"_ _5\"></span> derivate<span class=\"_ _5\"></span>r og andre fina<span class=\"_ _5\"></span>nsielle i<span class=\"_ _5\"></span>nstrumenter<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e1f fffe fs55 fc21 sc0 lsaf wsf6\">Virkel<span class=\"_ _5\"></span>ig verdi p\u00e5 finansielle instrumenter som ikke handles i et aktivt marked fastsettes v<span class=\"_ _5\"></span>ed \u00e5 benytte ulike verdsettelsesteknikker. K<span class=\"_ _5\"></span>onsernet </div><div class=\"t m2 x248 hcf y1e20 fffe fs55 fc21 sc0 lsaf wsf6\">vurderer og velger metoder og forutset<span class=\"_ _5\"></span>ninger som s\u00e5 langt som mulig er basert p\u00e5 observerbare markedsdata som representerer markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y1e21 fffe fs55 fc21 sc0 lsaf wsf6\">forholdene p\u00e5 balans<span class=\"_ _5\"></span>edagen. Ved m\u00e5ling av finansielle instrumenter hvor observerbare markedsdat<span class=\"_ _5\"></span>a ikke er tilgjengelig, gj\u00f8r k<span class=\"_ _5\"></span><span class=\"wscf\">onsernet </span></div><div class=\"t m2 x248 hcf y1e22 fffe fs55 fc21 sc0 lsaf wsf6\">antagelser om hva markedsakt\u00f8rer v<span class=\"_ _5\"></span>il legge til grunn ved verdsettelse av tilsvarende finansiel<span class=\"_ _5\"></span>le instr<span class=\"ls0 ws0\">u</span>menter. I verdsettelsene k<span class=\"_ _5\"></span>reves det </div><div class=\"t m2 x248 hcf y1e23 fffe fs55 fc21 sc0 lsaf wsf6\">utstrakt bruk av skj\u00f8nn blant annet ved beregning av likvi<span class=\"_ _5\"></span>ditetsrisiko, kredit<span class=\"_ _5\"></span>trisiko og volatilitet. En endring i de nevnte faktorene vil p\u00e5vi<span class=\"_ _5\"></span>rke </div><div class=\"t m2 x248 hcf y1e24 fffe fs55 fc21 sc0 lsaf wsf6\">fastsatt vi<span class=\"_ _5\"></span>rkelig verdi p\u00e5 konsernets finansielle inst<span class=\"_ _5\"></span>rumenter. For mer informasjon se note K29 Finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e25 fffe fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y1e26 ffff fs59 fc21 sc0 lsb8 wsfe\">M\u00e5ling<span class=\"_ _1\"></span> av fo<span class=\"_ _1\"></span>rpli<span class=\"_ _1\"></span>ktels<span class=\"_ _1\"></span>er fra <span class=\"_ _1\"></span>forsikr<span class=\"_ _1\"></span>ingsko<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>kter i D<span class=\"_ _1\"></span>NB L<span class=\"_ _1\"></span>ivsfo<span class=\"_ _1\"></span>rsikrin<span class=\"_ _1\"></span>g<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e27 fffe fs55 fc21 sc0 lsaf wsf6\">N\u00e5r det gjelder forsikringsf<span class=\"_ _5\"></span>orpliktelser, er risik<span class=\"_ _5\"></span>o og usikkerhet hovedsakelig knyttet til renteniv<span class=\"_ _5\"></span>\u00e5, samt sannsynligheten for d\u00f8d og uf\u00f8rhet. \u00d8kt </div><div class=\"t m2 x248 hcf y1e28 fffe fs55 fc21 sc0 lsaf wsf6\">forventet leveal<span class=\"_ _5\"></span>der p\u00e5virker framtidig forventede forsikrings<span class=\"_ _5\"></span>utbetalinger og forplikt<span class=\"_ _5\"></span>elser. Rentekurven som benyttes som utgangspunkt for m\u00e5ling </div><div class=\"t m2 x248 hcf y1e29 fffe fs55 fc21 sc0 lsaf wsf6\">av forsikringsforpl<span class=\"_ _5\"></span>iktelsene best\u00e5r av risikofri<span class=\"_ _5\"></span> rente og en illikviditetspremie. Ledels<span class=\"_ _5\"></span>en bestemmer prinsippene for rentekurven. Il<span class=\"_ _5\"></span>likviditets<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y1e2a fffe fs55 fc21 sc0 lsaf wsd2\">premien av<span class=\"_ _5\"></span>ledes fra sel<span class=\"_ _5\"></span>skaps<span class=\"wscf\">obligasjonsi<span class=\"_ _5\"></span>ndekser. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y1e2b fffe fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y1e2c ffff fs59 fc21 sc0 lsb7 wsfd\">Verdi<span class=\"_ _5\"></span>vurdering av<span class=\"_ _5\"></span> eiendommer<span class=\"_ _5\"></span> i DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e2d fffe fs55 fc21 sc0 lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendom m\u00e5les til virkelig verdi ved \u00e5 diskontere framtidige forv<span class=\"_ _5\"></span>entede netto kontantstr\u00f8mmer til sin n\u00e5verdi. Fastsett<span class=\"_ _5\"></span>else av de </div><div class=\"t m2 x248 hcf y1e2e fffe fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmene krever anvendels<span class=\"_ _5\"></span>e av betydelig skj\u00f8nn og de <span class=\"_ _1\"></span>vi<span class=\"_ _5\"></span>rkelige verdiene avhenger i betydelig grad av forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger om </span></div><div class=\"t m2 x248 hcf y1e2f fffe fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>den, eksempelvis avkastningskrav og niv\u00e5 p\u00e5 framtidig markedsl<span class=\"_ _5\"></span>eie. Se note K35 <span class=\"ls0 ws0\">I</span>nvesteringseiendommer for forutset<span class=\"_ _5\"></span>ninger som er lagt til </div><div class=\"t m2 x248 hcf y1e30 fffe fs55 fc21 sc0 lsaf wsf6\">grunn ved beregning av virkelig verdi av<span class=\"_ _5\"></span> eiendomsportef\u00f8ljen i DNB Livsfors<span class=\"_ _5\"></span>ikring. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e31 fffe fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y1e32 ffff fs59 fc21 sc0 lsb7 wsfd\">Innte<span class=\"_ _5\"></span>ktsskatt<span class=\"_ _5\"></span>, herunder uts<span class=\"_ _5\"></span>att skatt<span class=\"_ _5\"></span>eforde<span class=\"_ _5\"></span>l og usikre skatt<span class=\"_ _5\"></span>eforplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e33 fffe fs55 fc21 sc0 lsaf wsf6\">Konsernet skattl<span class=\"_ _5\"></span>egges for inntekt innenfor mange jurisdiksjoner. Betydeli<span class=\"_ _5\"></span>g bruk av skj\u00f8nn er p\u00e5krevd for \u00e5 fastsette inntekts<span class=\"wsd2\">skatt<span class=\"_ _5\"></span>en i konsern<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y1e34 fffe fs55 fc21 sc0 lsaf wsf6\">regnskapet, herunder v<span class=\"_ _5\"></span>urderinger av innregning av utsatt skattefordel og usikre skattef<span class=\"_ _5\"></span>orpliktelser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y1e35 fffe fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1e36 fffe fs55 fc21 sc0 lsaf wsf6\">Konsernet innregner uts<span class=\"_ _5\"></span>att skattefordel med det bel\u00f8p som sannsynlig vil kunne benyttes mot framtidi<span class=\"_ _5\"></span>g skattepliktig inntekt. <span class=\"wscf\">Omfattende </span></div><div class=\"t m2 x248 hcf y1e37 fffe fs55 fc21 sc0 lsaf wsf6\">vurderinger m\u00e5 gj\u00f8<span class=\"_ _5\"></span>res for \u00e5 fastsette bel\u00f8pet som kan innregnes, herunder forventet tidspunkt for utnyttels<span class=\"_ _5\"></span>e, niv\u00e5et p\u00e5 skattemessig positivt </div><div class=\"t m2 x248 hcf y1e38 fffe fs55 fc21 sc0 lsaf wsd2\">resultat s<span class=\"_ _5\"></span>\u00e5 vel som <span class=\"_ _5\"></span>strategier for sk<span class=\"_ _5\"></span>atte<span class=\"wscf\">plan<span class=\"wsf6\">legging og eksistens<span class=\"_ _5\"></span>en av skattepliktige midlerti<span class=\"_ _5\"></span>dige for<span class=\"lsb9 wsff\">skjeller. <span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span></span></div><div class=\"t m2 x248 he2 y1e39 fffe fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1e3a fffe fs55 fc21 sc0 lsaf wsf6\">For mange transaksjoner og beregninger vi<span class=\"_ _5\"></span>l det v\u00e6re usik<span class=\"wscf\">ker</span>het knyttet til den endelige skatt<span class=\"_ _5\"></span>eforpliktelsen. Konsernet innregner sk<span class=\"_ _5\"></span>atte<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y1e3b fffe fs55 fc21 sc0 lsaf wsf6\">forpliktel<span class=\"_ _5\"></span>ser knyttet til framtidige avgj\u00f8rels<span class=\"_ _5\"></span>er i skattesaker basert p\u00e5 estimater for endret inntektssk<span class=\"_ _5\"></span>att. Ved vurdering av innregning av usikre </div><div class=\"t m2 x248 hcf y1e3c fffe fs55 fc21 sc0 lsaf wsf6\">skatteforpli<span class=\"_ _5\"></span>ktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig. Hvis det endelige utfall av sakene avviker f<span class=\"_ _5\"></span>ra opprinnelig avsatt </div><div class=\"t m2 x248 hcf y1e3d fffe fs55 fc21 sc0 lsaf wsf6\">bel\u00f8p innregnet i balans<span class=\"_ _5\"></span>en, vil avviket p\u00e5virke regnskapsf\u00f8rt skatte<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nad i <span class=\"wscf\">res<span class=\"_ _5\"></span>ultatregn</span></span>skapet den perioden avviket fastsl\u00e5s.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y1e3e fffe fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1e3f fffe fs55 fc21 sc0 lsaf wsf6\">For mer informasjon se note K25 Skatt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e40 fffe fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y1e41 ffff fs59 fc21 sc0 lsb7 ws100\">Avset<span class=\"_ _5\"></span>ninger<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e42 fffe fs55 fc21 sc0 lsaf wsf6\">Det anvendes skj\u00f8nn n\u00e5r det skal avgj\u00f8res hvorvidt en eksisterende plik<span class=\"_ _5\"></span>t er identifisert, og n\u00e5r sannsynlighet, oppgj\u00f8<span class=\"_ _5\"></span>rstidspunkt og bel\u00f8p for </div><div class=\"t m2 x248 hcf y1e43 fffe fs55 fc21 sc0 lsaf wsf6\">str\u00f8mmen av \u00f8konomiske fordeler ut av konsernet skal estimeres<span class=\"_ _5\"></span>. Avsetninger for krav i rettsaker og i regulatorisk<span class=\"_ _5\"></span>e forhold vil typisk kreve et </div><div class=\"t m2 x248 hcf y1e44 fffe fs55 fc21 sc0 lsaf wsf6\">h\u00f8yere niv\u00e5 av skj\u00f8nnsanvendelse enn andre typer avset<span class=\"_ _5\"></span>ninger. For mer informasjon se note K51 Betingede utfall.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1e45 fffe fs55 fc21 sc0 ls0 ws0\"> </div></div>Kreditt<span class=\"_ _5\"></span>risiko eller motpartsrisiko er risiko f<span class=\"_ _5\"></span>or \u00f8konomisk tap som skyldes at konsernets kunder/motparter ikke oppfyller sine<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span><span class=\"wscf\">betalingsforpliktel<span class=\"_ _5\"></span>ser </span>overfor DNB. Kreditt<span class=\"_ _5\"></span>risiko vedr\u00f8rer alle fordringer p\u00e5 kunder/mot<span class=\"_ _5\"></span>parter, i hovedsak utl\u00e5n, men ogs\u00e5 forplikt<span class=\"_ _5\"></span>elser til andre kreditter, garantier, renteb\u00e6rende verdi<span class=\"_ _5\"></span>papirer, ubenyttede kreditter, derivat<span class=\"_ _5\"></span>handel og interbankplasseringer.<span class=\"_ _5\"></span> Kredittrisiko omfatter ogs\u00e5<span class=\"ls0 ws0\"> </span><span class=\"wscf\">k<span class=\"_ _5\"></span>onsentrasjonsrisiko.<span class=\"ls0 ws0\"> </span></span>Konsentrasj<span class=\"_ _5\"></span>onsrisiko er ris<span class=\"_ _5\"></span>iko knyttet t<span class=\"_ _5\"></span>il store <span class=\"_ _5\"></span>engasjementer med s<span class=\"_ _5\"></span>amme kunde<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">ell<span class=\"_ _5\"></span>er konsentrasjon innenfor geografiske omr\u00e5der, bransjer el<span class=\"_ _5\"></span>ler </span>med likeartede grupper av kunder. <span class=\"ls0 ws0\"> </span>Styring og m\u00e5ling av kredittrisi<span class=\"_ _5\"></span>ko er beskrevet i rapporten Risiko<span class=\"ls0 ws0\">- </span>og kapitalsty<span class=\"_ _5\"></span>ring (Pilar 3). Konserninstruksen f<span class=\"_ _5\"></span>or kredittvirksomhet er vedtatt av styret i DNB Bank ASA. Det overordnede m\u00e5let for kredittvirks<span class=\"_ _5\"></span>omheten er \u00e5 ha en engasjementsportef\u00f8lje me<span class=\"wsd2\">d en kv<span class=\"_ _5\"></span>alitet og sammen<span class=\"wscf\">s<span class=\"_ _5\"></span>etning </span></span>som sikrer konsernets l\u00f8nns<span class=\"_ _5\"></span>omhet p\u00e5 kort og lang <span class=\"_ _1\"></span>sikt<span class=\"_ _5\"></span>. Portef\u00f8ljen skal ha en kvalitet som er forenlig med DNBs m\u00e5l om en lav<span class=\"ls0 ws0\"> <span class=\"lsbe ws10b\">ris<span class=\"_ _5\"></span>iko</span></span><span class=\"wscf\">prof<span class=\"_ _5\"></span>il. <span class=\"ls0 ws0\"> </span></span>Styret i DNB Bank ASA setter langsiktige m\u00e5l for risikoprofi<span class=\"_ _5\"></span>len gjennom prinsipper for risikoappet<span class=\"_ _5\"></span>itt. Form\u00e5let med prinsippene er \u00e5 sikre at risi<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>koen er styrt og integrert med konsernets pros<span class=\"_ _5\"></span>ess for virksomhetsstyring. Prinsippene f<span class=\"_ _5\"></span>or risikoappetitt skal<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>danne et helhetlig og balansert syn p\u00e5 risikoen i virksomhet<span class=\"_ _5\"></span>en og definerer maksimale grenser for kreditteksponering. Det er satt grenser for \u00e5rlig vekst i utl\u00e5n<span class=\"lsbe ws104\">, r<span class=\"_ _5\"></span>is<span class=\"_ _5\"></span>iko<span class=\"ls0 ws0\">-</span></span><span class=\"wscf\">k<span class=\"_ _5\"></span>onsentrasjon, </span>total kredittris<span class=\"_ _5\"></span>ikoeksponering og forventet k<span class=\"_ _5\"></span>redittap. En \u00f8vre grense<span class=\"ls0 ws0\"> </span>for vekst, m\u00e5lt gjennom eksponering ved mislighol<span class=\"_ _5\"></span>d (EAD), er fastsatt for hvert forretnings<span class=\"_ _5\"></span>omr\u00e5de. For \u00e5 begrense konsentrasjonsrisiko er det satt grenser for eksponering p\u00e5 indiv<span class=\"_ _5\"></span>iduelle kunder og visse bransjer. Grensen for forventede t<span class=\"_ _5\"></span>ap gjelder alle typer kredittrisik<span class=\"_ _5\"></span>o og er m\u00e5lt ved hjelp av <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernets interne kredittmodeller.<span class=\"_ _5\"></span> Prinsippene for risiko<span class=\"wscf\">appetit<span class=\"_ _5\"></span>t </span>er operasjonalis<span class=\"_ _5\"></span>ert gjennom kredittstrat<span class=\"_ _5\"></span>egier for hvert kundesegment. I tillegg til prinsipper for risikoappetitt finnes det<span class=\"_ _5\"></span> <span class=\"wscf\">kreditt<span class=\"wsd2\">strategi<span class=\"_ _5\"></span>er fo<span class=\"lsc1 ws120\">r hvert </span></span></span>kundesegment. Ris<span class=\"_ _5\"></span>iko skal eksplisitt inng\u00e5 i styrings<span class=\"ls0 ws0\">- </span>og bel\u00f8nningssystem<span class=\"_ _5\"></span>et, gjennom indikatorer som operasjonalis<span class=\"_ _5\"></span>erer risikorammer og <span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>strategi<span class=\"_ _5\"></span>er i individuell ledelsesoppf\u00f8lging. <span class=\"ls0 ws0\"> </span>Kreditte<span class=\"_ _1\"></span>ksponering<span class=\"ls0 ws0\"> </span>Den maksimale kreditt<span class=\"_ _5\"></span>eksponeringen vil v\u00e6re balansef\u00f8rt bel\u00f8p for de finansielle ei<span class=\"_ _5\"></span>endeler, samt ikke balansef\u00f8rt eksponering<span class=\"ls0 ws0\"> </span>s<span class=\"_ _5\"></span>om i all hoved<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>sak omfatter garantier,<span class=\"_ _5\"></span> udisponerte kredittramm<span class=\"_ _5\"></span>er og l\u00e5netilbud. Konsernets maksimale eksponering for kredittri<span class=\"_ _5\"></span>siko og tilh\u00f8rende sikkerheter ved \u00e5rsslutt framg\u00e5r av note K<span class=\"ls0 ws0\">7 K</span>reditt<span class=\"_ _5\"></span>eksponering og sikkerheter.<span class=\"ls0 ws0\"> </span>Klassifise<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span>DNBs interne modeller for risik<span class=\"_ _5\"></span>oklassifisering av enkeltkunder er under kontinuerl<span class=\"_ _5\"></span>ig forbedring og etterpr\u00f8ving. Modellene er<span class=\"ls0 ws0\"> </span>t<span class=\"_ _5\"></span>ilpasset bransjer og segmenter og oppdateres dersom etterk<span class=\"_ _5\"></span>ontroller viser at forklaringsk<span class=\"_ _5\"></span>raften har falt over tid. DNB benytter b\u00e5de Advanced og Foundation IRB (A<span class=\"ls0 ws0\">-<span class=\"lsbd ws117\">IR<span class=\"_ _5\"></span>B o<span class=\"_ _5\"></span>g F</span>-<span class=\"lsaf wsf6\">I<span class=\"_ _5\"></span>RB) modeller for bedriftsportef\u00f8ljen, av<span class=\"_ _5\"></span>hengig av om kundens konsoliderte omsetning er mindre eller st\u00f8rre enn EUR 500 </span></span>millioner. I<span class=\"_ _5\"></span>RB inneb\u00e6rer at interne modeller brukes til \u00e5 beregne bankens kapitalbehov. Den standardiserte f<span class=\"_ _5\"></span>ramgangsm\u00e5ten benyttes for borettsl<span class=\"_ _5\"></span>ag og nyetablerte virksomheter.<span class=\"ls0 ws0\"> </span>Alle bedriftsk<span class=\"_ _5\"></span>under med kredittengasjement skal risik<span class=\"_ _5\"></span>oklassifiseres ved hver kredittbev<span class=\"_ _5\"></span>ilgning av vesentlig st\u00f8rrelse og minst en gang \u00e5rlig, m<span class=\"_ _5\"></span>ed mindre annet er bestemt. Innenfor personmark<span class=\"_ _5\"></span>edet, hvor det er et stort antall kunder, blir de fleste sakene besluttet ved hjelp av automatiserte m\u00e5le<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og beslutni<span class=\"_ _5\"></span>ngsst\u00f8ttesystemer. Risikoklass<span class=\"_ _5\"></span>ifiseringen skal reflekt<span class=\"_ _5\"></span>ere risikoen ved kunden og engasjementet. <span class=\"ls0 ws0\"> </span></span>Risikokl<span class=\"_ _5\"></span>assifiseringssystem<span class=\"_ _5\"></span>ene anvendes for beslutningsst\u00f8tte, overv<span class=\"_ _5\"></span>\u00e5king og rapportering. Risikoparameterne f<span class=\"_ _5\"></span>ra klassifiseri<span class=\"wscf\">ngssyst<span class=\"_ _5\"></span>emene </span>inng\u00e5r som en integrert del av kredittpros<span class=\"_ _5\"></span>essen og i risikooppf\u00f8lgingen, herunder oppf\u00f8lgi<span class=\"_ _5\"></span>ng av kredittstrategiene. <span class=\"ls0 ws0\"> </span>PD brukes som m\u00e5l p\u00e5 kredittkvalitet. K<span class=\"_ _5\"></span>onsernet deler portef\u00f8ljen inn i ti risikoklasser.<span class=\"_ _5\"></span> Risikoklasse tildeles, basert p\u00e5 12<span class=\"ls0 ws0\">-</span>m\u00e5neders I<span class=\"_ _5\"></span>RB P<span class=\"_ _1\"></span>D for hvert kredittengas<span class=\"_ _5\"></span>jement. Dette er presentert i tabellen nedenfor. Kredittf<span class=\"_ _5\"></span>orringede engasjementer (gruppe 3) gi<span class=\"_ _5\"></span>s en PD p\u00e5 100 prosent. Konsernets port<span class=\"_ _5\"></span>ef\u00f8lje inndelt etter risikoklasser og IFRS 9<span class=\"ls0 ws0\">-</span>grupper er presentert i note K<span class=\"ls0 ws0\">8 </span><span class=\"wscf\">Kreditt<span class=\"_ _5\"></span></span>eksponering per risikoklasse.  <span class=\"ls0 ws0\"> </span>DNBs risikokl<span class=\"_ _5\"></span>assifisering1<span class=\"_ _1c5\"> </span>Sannsynl<span class=\"_ _5\"></span>ighet<span class=\"_ _5\"></span> for mi<span class=\"_ _5\"></span>slighol<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span>Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>(prosent<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span>Ekstern r<span class=\"_ _5\"></span>ating<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Risikoklasse klassifisering<span class=\"ls0 ws0\"> </span>Fra og m<span class=\"_ _5\"></span>ed<span class=\"ls0 ws0\"> </span>Til<span class=\"ls0 ws0\"> </span>Moody's<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>S&amp;P Global <span class=\"ls0 ws0\"> </span>1 0,01<span class=\"ls0 ws0\"> </span>0,10<span class=\"ls0 ws0\"> </span>Aaa <span class=\"ls0 ws0\">\u2013 <span class=\"lsa8 ws99\">A3</span></span><span class=\"ls0 ws0\"> </span>AAA <span class=\"ls0 ws0\">\u2013 A-</span><span class=\"ls0 ws0\"> </span>2 Lav risiko<span class=\"ws0\"> </span>0,10<span class=\"ls0 ws0\"> </span>0,25<span class=\"ls0 ws0\"> </span>Baa1 <span class=\"ls0 ws0\">\u2013 </span>Ba<span class=\"_ _5\"></span>a2<span class=\"ls0 ws0\"> </span>BBB+ <span class=\"ls0 ws0\">\u2013 </span>BBB<span class=\"ls0 ws0\"> </span>3 0,25<span class=\"ls0 ws0\"> </span>0,50<span class=\"ls0 ws0\"> </span>Baa3<span class=\"ls0 ws0\"> </span>BBB<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>4 0,50<span class=\"ls0 ws0\"> </span>0,75<span class=\"ls0 ws0\"> </span>Ba1<span class=\"ls0 ws0\"> </span>BB+<span class=\"ls0 ws0\"> </span>5 Moderat<span class=\"_ _1c5\"> </span>0,75<span class=\"ls0 ws0\"> </span>1,25<span class=\"ls0 ws0\"> </span>Ba2<span class=\"ls0 ws0\"> </span>BB<span class=\"ls0 ws0\"> </span>6 risiko<span class=\"_ _1c5\"> </span>1,25<span class=\"ls0 ws0\"> </span>2,00<span class=\"ls0 ws0\"> </span>7 2,00<span class=\"ls0 ws0\"> </span>3,00<span class=\"ls0 ws0\"> </span>Ba3<span class=\"ls0 ws0\"> </span>BB<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>8 3,00<span class=\"ls0 ws0\"> </span>5,00<span class=\"ls0 ws0\"> </span>B1<span class=\"ls0 ws0\"> </span>B+<span class=\"ls0 ws0\"> </span>9 H\u00f8y risiko<span class=\"ws0\"> </span>5,00<span class=\"ls0 ws0\"> </span>8,00<span class=\"ls0 ws0\"> </span>B2<span class=\"ls0 ws0\"> </span>B 10<span class=\"ls0 ws0\"> </span>8,00<span class=\"ls0 ws0\"> </span>misligholdt <span class=\"ls0 ws0\"> </span>B3, Caa/<span class=\"_ _5\"></span>C<span class=\"ls0 ws0\"> </span>B-<span class=\"lsa7 wsd1\">, CCC/C</span> 1<span class=\"_ _1c5\"> </span><span class=\"lsab wscd\">Baser<span class=\"_ _5\"></span>t p\u00e5 DN<span class=\"_ _5\"></span>Bs ris<span class=\"_ _5\"></span>ikoklas<span class=\"_ _5\"></span>sifis<span class=\"_ _5\"></span>erings<span class=\"_ _5\"></span>system<span class=\"_ _5\"></span>, hvor <span class=\"_ _5\"></span>1 repres<span class=\"_ _5\"></span>enter<span class=\"_ _5\"></span>er lave<span class=\"_ _5\"></span>st og <span class=\"_ _5\"></span>10 h\u00f8y<span class=\"_ _5\"></span>est risi<span class=\"_ _5\"></span>ko<span class=\"_ _1c5\"> </span></span><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K5 S<span class=\"_ _1\"></span>tyring av kr<span class=\"_ _1\"></span>edittrisiko<span class=\"_ _1c5\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-459": {
   "value": "Note K1 R<span class=\"_ _1\"></span>egnskapsprinsipper<span class=\"_ _1c5\"> </span>Selskapsinfor<span class=\"_ _1\"></span>masjon<span class=\"ls0 ws0\"> </span>DNB Bank ASA er et norsk allmennaksjeselsk<span class=\"_ _5\"></span>ap notert p\u00e5 Oslo B\u00f8rs. Konsernregnskapet for 2025 ble godkjent av styret 10. mars <span class=\"wscf\">2026.<span class=\"ls0 ws0\"> </span></span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet</span></span><span class=\"ls0 ws0\"><span class=\"lsaf wsf6\"> </span><span class=\"lsaf wsf6\">t<span class=\"_ _5\"></span>ilbyr banktjenester, verdi<span class=\"_ _5\"></span>papir</span>- <span class=\"lsaf wsf6\">og inve<span class=\"lsbc ws103\">ste<span class=\"lsbd ws104\">rin<span class=\"_ _5\"></span>gs</span></span>t<span class=\"_ _5\"></span>jenester, eiendomsmeglertjenest<span class=\"_ _5\"></span>er og forsikrings</span>- <span class=\"lsaf wsd2\">og for<span class=\"wsf6\">v<span class=\"_ _5\"></span>altningstjenester for </span></span></span>person<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og bedriftsmark<span class=\"_ _5\"></span>edet</span><span class=\"wsf6\"> i Norge og internasjonalt. <span class=\"ls0 ws0\"> </span></span>Konsernets hovedk<span class=\"_ _5\"></span>ontor har bes\u00f8ksadresse Dronning Eufemias gate 30, Bj\u00f8rvik<span class=\"_ _5\"></span>a, Oslo, Norge. <span class=\"ls0 ws0\"> </span>Grunnlag for<span class=\"_ _1\"></span> utarbeidelse av regnskape<span class=\"_ _1\"></span>t<span class=\"ls0 ws0\"> </span>DNB har avlagt konsernregnsk<span class=\"_ _5\"></span>apet for 2025 i samsvar med IFRS\u00ae <span class=\"_ _1\"></span>Accounti<span class=\"_ _5\"></span>ng Standards, som er utgitt av International Accounti<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Standards </span>Board (IASB) og godkjent av den europeiske unionen (EU). <span class=\"ls0 ws0\"> </span>Konsernregnskapet<span class=\"_ _5\"></span> er basert p\u00e5 historisk kost<span class=\"ls0 ws0\">-</span>prinsippet med unntak av finansi<span class=\"_ _5\"></span>elle eiendeler og forpliktelser m\u00e5lt til virkel<span class=\"_ _5\"></span>ig verdi og investerings<span class=\"_ _5\"></span>eiendommer. Konsern<span class=\"wscf\">regn</span>skapet er pres<span class=\"_ _5\"></span>entert i norske kroner. Om ikke annet er angitt, avrundes verdiene t<span class=\"lsbe ws104\">i<span class=\"_ _5\"></span>l n\u00e6r</span>mest<span class=\"_ _5\"></span>e million. <span class=\"ls0 ws0\"> </span>Konsernets bal<span class=\"_ _5\"></span>anseoppstilling er i hovedsak basert p\u00e5 en vurdering av balansepos<span class=\"_ _5\"></span>tenes likviditet.<span class=\"ls0 ws0\"> </span>Endringer i<span class=\"_ _1\"></span> regnskapsprinsipper<span class=\"ls0 ws0\"> </span>Kontantsikkerhet avg<span class=\"_ _5\"></span>itt og mottatt<span class=\"fffd ls0 ws0\"> </span>Fra og med 1. juli 2025 har DNB<span class=\"ls0 ws0\">-</span>konsernet presentert avgitt<span class=\"_ _5\"></span> kontantsikkerhet som en fordring under \"Andre eiendeler\" og mottatt kontantsikk<span class=\"_ _5\"></span>erhet som gjeld under \"Annen gjeld\".<span class=\"ls0 ws0\"> </span>Kontants<span class=\"_ _5\"></span>ikkerhet som er avgitt og mottatt i forbindelse med derivater ble tidligere presentert under \"Finansi<span class=\"_ _5\"></span>elle derivater\".<span class=\"ls0 ws0\"> </span>Endringene gjens<span class=\"_ _5\"></span>peiles i sammenlikningstal<span class=\"_ _5\"></span>lene.<span class=\"ls0 ws0\"> </span>Konsolide<span class=\"_ _1\"></span>ring <span class=\"ls0 ws0\"> </span>I konsernregnskapet<span class=\"_ _5\"></span> for DNB Bank ASA (\u00abDNB\u00bb eller \u00ab<span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet\u00bb) inng\u00e5r DNB Livsforsikri<span class=\"_ _5\"></span>ng AS, DNB Asset Management Holding AS <span class=\"lsbb ws106\">og DNB </span>Carnegie Holding AB, alle med underliggende datters<span class=\"_ _5\"></span>elskaper.<span class=\"ls0 ws0\"> </span>Regnskaps<span class=\"_ _5\"></span>prinsippene anvendes konsistent ved innarbeiding av eierinteress<span class=\"_ _5\"></span>er i datterselskaper og er basert p\u00e5 de samme rapporteringsperiodene s<span class=\"_ _5\"></span>om for morselskapet. <span class=\"ls0 ws0\"> </span>Ved utarbeidelse av konsernregnsk<span class=\"_ _5\"></span>apet elimineres konsernint<span class=\"_ _5\"></span>erne transaksjoner, balanser og gevinster og tap p\u00e5 transak<span class=\"wsd2\">sj<span class=\"_ _5\"></span>oner mellom enheter </span>i konsernet.<span class=\"ls0 ws0\"> </span>Omregni<span class=\"_ _5\"></span>ng av tra<span class=\"_ _5\"></span>nsaksjoner i<span class=\"_ _5\"></span> utenlandsk<span class=\"_ _5\"></span> valuta <span class=\"ls0 ws0\"> </span>Utenlandsk<span class=\"_ _5\"></span>e filialers og datterselskapers bal<span class=\"_ _5\"></span>anser i annen valuta enn norske kroner omregnes til norske kroner etter valutakurs p\u00e5 balan<span class=\"lsbf ws107\">se<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>dagen. Resultatene omregnes<span class=\"_ _5\"></span> etter gjennomsnittlige valutakurs<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span>Vedtatte, i<span class=\"_ _5\"></span>kke<span class=\"ls0 ws0\">-<span class=\"lsba ws105\">ikrafttr\u00e5dte standar<span class=\"_ _1\"></span>der og fortolkninger<span class=\"ls0 ws0\"> </span></span></span>IFRS 18<span class=\"_ _5\"></span> Presentati<span class=\"_ _5\"></span>on and Disclos<span class=\"_ _5\"></span>ure in Fina<span class=\"_ _5\"></span>ncial Statem<span class=\"_ _5\"></span>ents<span class=\"ls0 ws0\"> </span>I april 2024 utga IASB den nye standarden for presentasjon av finansregnskap,<span class=\"_ _5\"></span> IFRS 18 \u00abPresentation and Disclosure in Financi<span class=\"wscf\">al </span>Statements\u2019<span class=\"_ _5\"></span>\u00bb, som vil erstatte IAS 1, \u00abOpplysninger om regnskapsprinsipper\u00bb. Form\u00e5let med IFRS 18 er \u00e5 forbedre hvordan enhet<span class=\"lsc1 wsce\">er </span><span class=\"wscf\">f<span class=\"_ _5\"></span>ormidler </span>finansi<span class=\"_ _5\"></span>elle resultater i regnskapet, med fokus p\u00e5 resultatregnsk<span class=\"_ _5\"></span>apet og rapporteringen av finansielle resultater. <span class=\"ls0 ws0\"> </span>Den nye standarden vil tre i kraft for \u00e5rlige rapporterings<span class=\"_ _5\"></span>perioder som begynner p\u00e5 eller etter 1. januar 2027, og det er tillatt \u00e5 anvende den tidligere.<span class=\"_ _5\"></span> Standarden <span class=\"_ _5\"></span>er tiltr\u00e5dt <span class=\"_ _5\"></span>av EU. <span class=\"wscf\">Kons<span class=\"_ _5\"></span>ernet<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">har forel\u00f8pig ingen planer om \u00e5 innf\u00f8re disse endringene f\u00f8r ikraftt<span class=\"_ _5\"></span>redelsesdatoen.<span class=\"ls0 ws0\"> </span></span></span>DNB vurderer hvordan post<span class=\"_ _5\"></span>ene i resultatregnskapet skal klassifiseres<span class=\"_ _5\"></span> i de tre nye kategoriene introdusert i IFRS 18. DNB forventer at hoveddelene av postene vil bli inkludert i<span class=\"_ _5\"></span> driftskategorien, mens enkelte post<span class=\"_ _5\"></span>er fortsatt er gjenstand for vurdering.<span class=\"ls0 ws0\"> </span>Standarden ventes ikk<span class=\"_ _5\"></span>e \u00e5 ha noen<span class=\"_ _1\"></span> <span class=\"wscf\">vesent<span class=\"_ _5\"></span>lige </span>finansiell<span class=\"_ _5\"></span>e effekter for D<span class=\"_ _1\"></span>NB,<span class=\"_ _5\"></span> da IFRS 18 fokuserer p\u00e5 presentasjon og opplysninger i regnskap. <span class=\"ls0 ws0\"> </span>Betydelige<span class=\"_ _5\"></span> <span class=\"lsba ws105\">regnskapsestimate<span class=\"_ _1\"></span>r, skj\u00f8nn og forutse<span class=\"_ _1\"></span>tninger<span class=\"ls0 ws0\"> </span></span>Utarbeidelse av kons<span class=\"_ _5\"></span>ernregnskapet medf\u00f8rer at ledelsen utarbeider est<span class=\"_ _5\"></span>imater, gj\u00f8r skj\u00f8nnsmessige vurderinger og tar forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger som </span>p\u00e5virker anvendels<span class=\"_ _5\"></span>en av regnskapsprinsipper, herunder regns<span class=\"_ _5\"></span>kapsf\u00f8rte bel\u00f8p for eiendeler, forplikt<span class=\"_ _5\"></span>elser, inntekter, kostnader og informasjon om<span class=\"_ _5\"></span> potensiel<span class=\"_ _5\"></span>le forpliktelser. Estimat<span class=\"_ _5\"></span>er <span class=\"_ _1\"></span>og forutset<span class=\"_ _5\"></span>ninger evalueres l\u00f8pende og er basert p\u00e5 historisk erfaring og andre faktorer<span class=\"_ _5\"></span><span class=\"wsd2\">, inklus<span class=\"_ _5\"></span>ive for<span class=\"lsbd ws104\">v<span class=\"_ _5\"></span>ent<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>ninger om framtidi<span class=\"_ _5\"></span>ge hendelser som anses \u00e5 <span class=\"_ _1\"></span>v\u00e6<span class=\"_ _5\"></span>re sannsynlige p\u00e5 balansetidspunktet. <span class=\"ls0 ws0\"> </span>Nedsk<span class=\"_ _1\"></span>rivnin<span class=\"_ _1\"></span>ger p\u00e5 fin<span class=\"_ _1\"></span>ansi<span class=\"_ _1\"></span>elle in<span class=\"_ _1\"></span>strumen<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span>Se note K5 Styring av kredittrisiko for inf<span class=\"_ _5\"></span>ormasjon om styring og oppf\u00f8ling av kredittrisiko og note K6 M\u00e5ling av forventet k<span class=\"wsd2\">redittap f<span class=\"_ _5\"></span>or </span>informasjon om metodikk<span class=\"_ _5\"></span> for \u00e5 estimere nedskrivninger inkludert en vurdering av estimatusikkerhet.<span class=\"_ _1c5\"> </span>Virke<span class=\"_ _5\"></span>lig verdi p\u00e5 fi<span class=\"_ _5\"></span>nansielle<span class=\"_ _5\"></span> derivate<span class=\"_ _5\"></span>r og andre fina<span class=\"_ _5\"></span>nsielle i<span class=\"_ _5\"></span>nstrumenter<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi p\u00e5 finansielle instrumenter som ikke handles i et aktivt marked fastsettes v<span class=\"_ _5\"></span>ed \u00e5 benytte ulike verdsettelsesteknikker. K<span class=\"_ _5\"></span>onsernet vurderer og velger metoder og forutset<span class=\"_ _5\"></span>ninger som s\u00e5 langt som mulig er basert p\u00e5 observerbare markedsdata som representerer markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>forholdene p\u00e5 balans<span class=\"_ _5\"></span>edagen. Ved m\u00e5ling av finansielle instrumenter hvor observerbare markedsdat<span class=\"_ _5\"></span>a ikke er tilgjengelig, gj\u00f8r k<span class=\"_ _5\"></span><span class=\"wscf\">onsernet </span>antagelser om hva markedsakt\u00f8rer v<span class=\"_ _5\"></span>il legge til grunn ved verdsettelse av tilsvarende finansiel<span class=\"_ _5\"></span>le instr<span class=\"ls0 ws0\">u</span>menter. I verdsettelsene k<span class=\"_ _5\"></span>reves det utstrakt bruk av skj\u00f8nn blant annet ved beregning av likvi<span class=\"_ _5\"></span>ditetsrisiko, kredit<span class=\"_ _5\"></span>trisiko og volatilitet. En endring i de nevnte faktorene vil p\u00e5vi<span class=\"_ _5\"></span>rke fastsatt vi<span class=\"_ _5\"></span>rkelig verdi p\u00e5 konsernets finansielle inst<span class=\"_ _5\"></span>rumenter. For mer informasjon se note K29 Finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi. <span class=\"ls0 ws0\"> </span>M\u00e5ling<span class=\"_ _1\"></span> av fo<span class=\"_ _1\"></span>rpli<span class=\"_ _1\"></span>ktels<span class=\"_ _1\"></span>er fra <span class=\"_ _1\"></span>forsikr<span class=\"_ _1\"></span>ingsko<span class=\"_ _1\"></span>ntra<span class=\"_ _1\"></span>kter i D<span class=\"_ _1\"></span>NB L<span class=\"_ _1\"></span>ivsfo<span class=\"_ _1\"></span>rsikrin<span class=\"_ _1\"></span>g<span class=\"ls0 ws0\"> </span>N\u00e5r det gjelder forsikringsf<span class=\"_ _5\"></span>orpliktelser, er risik<span class=\"_ _5\"></span>o og usikkerhet hovedsakelig knyttet til renteniv<span class=\"_ _5\"></span>\u00e5, samt sannsynligheten for d\u00f8d og uf\u00f8rhet. \u00d8kt forventet leveal<span class=\"_ _5\"></span>der p\u00e5virker framtidig forventede forsikrings<span class=\"_ _5\"></span>utbetalinger og forplikt<span class=\"_ _5\"></span>elser. Rentekurven som benyttes som utgangspunkt for m\u00e5ling av forsikringsforpl<span class=\"_ _5\"></span>iktelsene best\u00e5r av risikofri<span class=\"_ _5\"></span> rente og en illikviditetspremie. Ledels<span class=\"_ _5\"></span>en bestemmer prinsippene for rentekurven. Il<span class=\"_ _5\"></span>likviditets<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>premien av<span class=\"_ _5\"></span>ledes fra sel<span class=\"_ _5\"></span>skaps<span class=\"wscf\">obligasjonsi<span class=\"_ _5\"></span>ndekser. <span class=\"ls0 ws0\"> </span></span>Verdi<span class=\"_ _5\"></span>vurdering av<span class=\"_ _5\"></span> eiendommer<span class=\"_ _5\"></span> i DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>ngseiendom m\u00e5les til virkelig verdi ved \u00e5 diskontere framtidige forv<span class=\"_ _5\"></span>entede netto kontantstr\u00f8mmer til sin n\u00e5verdi. Fastsett<span class=\"_ _5\"></span>else av de framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmene krever anvendels<span class=\"_ _5\"></span>e av betydelig skj\u00f8nn og de <span class=\"_ _1\"></span>vi<span class=\"_ _5\"></span>rkelige verdiene avhenger i betydelig grad av forut<span class=\"wsd2\">set<span class=\"_ _5\"></span>ninger om </span>framti<span class=\"_ _5\"></span>den, eksempelvis avkastningskrav og niv\u00e5 p\u00e5 framtidig markedsl<span class=\"_ _5\"></span>eie. Se note K35 <span class=\"ls0 ws0\">I</span>nvesteringseiendommer for forutset<span class=\"_ _5\"></span>ninger som er lagt til grunn ved beregning av virkelig verdi av<span class=\"_ _5\"></span> eiendomsportef\u00f8ljen i DNB Livsfors<span class=\"_ _5\"></span>ikring. <span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktsskatt<span class=\"_ _5\"></span>, herunder uts<span class=\"_ _5\"></span>att skatt<span class=\"_ _5\"></span>eforde<span class=\"_ _5\"></span>l og usikre skatt<span class=\"_ _5\"></span>eforplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span>Konsernet skattl<span class=\"_ _5\"></span>egges for inntekt innenfor mange jurisdiksjoner. Betydeli<span class=\"_ _5\"></span>g bruk av skj\u00f8nn er p\u00e5krevd for \u00e5 fastsette inntekts<span class=\"wsd2\">skatt<span class=\"_ _5\"></span>en i konsern<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>regnskapet, herunder v<span class=\"_ _5\"></span>urderinger av innregning av utsatt skattefordel og usikre skattef<span class=\"_ _5\"></span>orpliktelser. <span class=\"ls0 ws0\"> </span>Konsernet innregner uts<span class=\"_ _5\"></span>att skattefordel med det bel\u00f8p som sannsynlig vil kunne benyttes mot framtidi<span class=\"_ _5\"></span>g skattepliktig inntekt. <span class=\"wscf\">Omfattende </span>vurderinger m\u00e5 gj\u00f8<span class=\"_ _5\"></span>res for \u00e5 fastsette bel\u00f8pet som kan innregnes, herunder forventet tidspunkt for utnyttels<span class=\"_ _5\"></span>e, niv\u00e5et p\u00e5 skattemessig positivt resultat s<span class=\"_ _5\"></span>\u00e5 vel som <span class=\"_ _5\"></span>strategier for sk<span class=\"_ _5\"></span>atte<span class=\"wscf\">plan<span class=\"wsf6\">legging og eksistens<span class=\"_ _5\"></span>en av skattepliktige midlerti<span class=\"_ _5\"></span>dige for<span class=\"lsb9 wsff\">skjeller. <span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span></span>For mange transaksjoner og beregninger vi<span class=\"_ _5\"></span>l det v\u00e6re usik<span class=\"wscf\">ker</span>het knyttet til den endelige skatt<span class=\"_ _5\"></span>eforpliktelsen. Konsernet innregner sk<span class=\"_ _5\"></span>atte<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>forpliktel<span class=\"_ _5\"></span>ser knyttet til framtidige avgj\u00f8rels<span class=\"_ _5\"></span>er i skattesaker basert p\u00e5 estimater for endret inntektssk<span class=\"_ _5\"></span>att. Ved vurdering av innregning av usikre skatteforpli<span class=\"_ _5\"></span>ktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig. Hvis det endelige utfall av sakene avviker f<span class=\"_ _5\"></span>ra opprinnelig avsatt bel\u00f8p innregnet i balans<span class=\"_ _5\"></span>en, vil avviket p\u00e5virke regnskapsf\u00f8rt skatte<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nad i <span class=\"wscf\">res<span class=\"_ _5\"></span>ultatregn</span></span>skapet den perioden avviket fastsl\u00e5s.<span class=\"ls0 ws0\"> </span>For mer informasjon se note K25 Skatt.<span class=\"ls0 ws0\"> </span>Avset<span class=\"_ _5\"></span>ninger<span class=\"ls0 ws0\"> </span>Det anvendes skj\u00f8nn n\u00e5r det skal avgj\u00f8res hvorvidt en eksisterende plik<span class=\"_ _5\"></span>t er identifisert, og n\u00e5r sannsynlighet, oppgj\u00f8<span class=\"_ _5\"></span>rstidspunkt og bel\u00f8p for str\u00f8mmen av \u00f8konomiske fordeler ut av konsernet skal estimeres<span class=\"_ _5\"></span>. Avsetninger for krav i rettsaker og i regulatorisk<span class=\"_ _5\"></span>e forhold vil typisk kreve et h\u00f8yere niv\u00e5 av skj\u00f8nnsanvendelse enn andre typer avset<span class=\"_ _5\"></span>ninger. For mer informasjon se note K51 Betingede utfall.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-392": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K2 Oppkj\u00f8p<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h133 gscb\"><div class=\"t m2 x20e hd0 y1f0d ff104 fs2e fc21 sc0 ls5d ws0\">Oppkj\u00f8p av Carnegi<span class=\"_ _1\"></span>e<span class=\"ls0\">-<span class=\"lsad ws113\">konsernet</span> </span></div><div class=\"t m2 x20e hcf y1f0e ff105 fs55 fc21 sc0 lsaf wsf6\">Den 21. oktober 2024 kunngjorde DNB en avtale om \u00e5 kj\u00f8pe alle aksjene i Carnegie Holding AB, morselskapet til Carnegie<span class=\"ls0 ws0\">-</span>k<span class=\"_ _5\"></span>onsernet. Etter at </div><div class=\"t m2 x20e hcf y1f0f ff105 fs55 fc21 sc0 lsaf wsf6\">alle betingelser var oppfyl<span class=\"_ _5\"></span>t, inkludert n\u00f8dvendige regulatoris<span class=\"_ _5\"></span>ke godkjenninger, ble transaksj<span class=\"_ _5\"></span>onen fullf\u00f8rt 6. mars 2025. Kj\u00f8pesummen var et </div><div class=\"t m2 x20e hcf y1f10 ff105 fs55 fc21 sc0 lsaf wsf6\">kontantvederl<span class=\"_ _5\"></span>ag p\u00e5 13,8 milliarder svenske kroner. Kontantvederlaget<span class=\"_ _5\"></span> reflekterer en grunnleggende kj\u00f8pesum<span class=\"_ _5\"></span> p\u00e5 12 milliarder s<span class=\"wsd2\">venske kroner, </span></div><div class=\"t m2 x20e hcf y1f11 ff105 fs55 fc21 sc0 lsaf wsf6\">en justering p\u00e5 0,3 milliarder sv<span class=\"_ _5\"></span>enske kroner knyttet til avvikling og etterf\u00f8lgende oppkj\u00f8p <span class=\"wsd2\">av ti<span class=\"_ _5\"></span>dligere minorit<span class=\"_ _5\"></span>etsinteresser i<span class=\"_ _5\"></span> Carnegie<span class=\"ls0 ws0\">-</span><span class=\"wscf\">k<span class=\"_ _5\"></span>onsernets </span></span></div><div class=\"t m2 x20e hcf y1f12 ff105 fs55 fc21 sc0 lsaf wsf6\">datterselskaper,<span class=\"_ _5\"></span> og et tillegg p\u00e5 1,5 milliarder svenske kroner som reflekterer ov<span class=\"_ _5\"></span>erskuddskapital i Carnegie<span class=\"ls0 ws0\">-</span>konsernet<span class=\"_ _5\"></span> p\u00e5 oppkj\u00f8pstidspunktet.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y1f13 ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f14 ff105 fs55 fc21 sc0 lsaf wsf6\">Carnegie er en ledende finansiel<span class=\"_ _5\"></span>l r\u00e5dgiver og kapitalforvalter i Norden med 850 ansatte, der 56 prosent av inntektene kommer <span class=\"lsc1 wsce\">fra </span></div><div class=\"t m2 x20e hcf y1f15 ff105 fs55 fc21 sc0 lsaf wsf6\">investeringst<span class=\"_ _5\"></span>jenester og 44 prosent fra formuesforvaltni<span class=\"_ _5\"></span>ng. Selskapets organisasjon best\u00e5r av fire forretnings<span class=\"_ _5\"></span>omr\u00e5der: Invest<span class=\"lsc3 ws114\">me</span>nt Banking, </div><div class=\"t m2 x20e hcf y1f16 ff105 fs55 fc21 sc0 lsaf wsf6\">Securities,<span class=\"_ _5\"></span> Private Banking og Asset Management. Investment banking<span class=\"ls0 ws0\">-</span>tjenest<span class=\"_ _5\"></span>ene omfatter fusjoner og oppkj\u00f8p, tjenester innen </div><div class=\"t m2 x20e hcf y1f17 ff105 fs55 fc21 sc0 lsaf wsf6\">aksjekapital<span class=\"_ _5\"></span>markedet og r\u00e5dgivning knyttet til gjeldsmark<span class=\"_ _5\"></span>edet. Carnegie tilbyr ogs\u00e5 verdipapirtj<span class=\"_ _5\"></span>enester innen analyse, megling og sal<span class=\"_ _5\"></span>gshandel, </div><div class=\"t m2 x20e hcf y1f18 ff105 fs55 fc21 sc0 lsaf wsf6\">samt transaksj<span class=\"_ _5\"></span>oner i aksjekapitalmarkedet. Kapitalf<span class=\"_ _5\"></span>orvaltningsdelen av konsernet tilby<span class=\"_ _5\"></span>r aktiv forvaltning gjennom sine to fon<span class=\"wscf\">dsselskaper, </span></div><div class=\"t m2 x20e hcf y1f19 ff105 fs55 fc21 sc0 lsaf wsf6\">Carnegie Fonder AB og Holberg Fondsforv<span class=\"_ _5\"></span>altning AS. Holberg Fondsforvaltni<span class=\"_ _5\"></span>ng AS er senere blitt<span class=\"ls0 ws0\"> </span>solgt til en tredjepart. Privat<span class=\"_ _5\"></span>e Banking<span class=\"ls0 ws0\">-</span><span class=\"wscf\">delen </span></div><div class=\"t m2 x20e hcf y1f1a ff105 fs55 fc21 sc0 lsaf wsf6\">tilby<span class=\"_ _5\"></span>r et bredt <span class=\"_ _1\"></span>spekt<span class=\"_ _5\"></span>er av finansielle r\u00e5dgivningstjenest<span class=\"_ _5\"></span>er til formuende privatpersoner, sm\u00e5 bedrift<span class=\"_ _5\"></span>er, institusjoner og stiftels<span class=\"_ _5\"></span>er. Per 31. desember </div><div class=\"t m2 x20e hcf y1f1b ff105 fs55 fc21 sc0 lsaf wsf6\">2024 forvaltet Carnegi<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">konsernet verdier f<span class=\"_ _5\"></span>or 480 mil<span class=\"_ _5\"></span>liarder sv<span class=\"_ _5\"></span>enske kroner, hvorav<span class=\"_ _5\"></span> 330 milliarder <span class=\"_ _5\"></span>svenske k<span class=\"_ _5\"></span>roner var knytt<span class=\"_ _5\"></span>et til fondsf<span class=\"_ _5\"></span>orvaltning </span></div><div class=\"t m2 x20e hcf y1f1c ff105 fs55 fc21 sc0 lsaf wsd2\">og diskres<span class=\"_ _5\"></span>jon\u00e6r kapit<span class=\"_ _5\"></span>alforvaltning.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y1f1d ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f1e ff105 fs55 fc21 sc0 lsaf wsf6\">DNBs posisjon innen investment banking og formuesf<span class=\"_ _5\"></span>orvaltning er styrket gjennom oppkj\u00f8pet av Carnegie, spesielt i de nordisk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span><span class=\"wscf\">landene </span></div><div class=\"t m2 x20e hcf y1f1f ff105 fs55 fc21 sc0 lsaf wsf6\">utenfor Norge. For \u00e5 gjenspeile den strategi<span class=\"_ _5\"></span>ske betydningen av transaksj<span class=\"_ _5\"></span>onen, er DNB Markets globalt omd\u00f8pt til DNB Carneg<span class=\"lsc4 ws115\">ie. </span></div><div class=\"t m2 x20e hcf y1f20 ff105 fs55 fc21 sc0 lsaf wsf6\">Transaksjonen forv<span class=\"_ _5\"></span>entes \u00e5 ha en positiv effekt p\u00e5 resultat per aksje og egenkapitalavkastning f<span class=\"_ _5\"></span>or DNB, og s<span class=\"_ _1\"></span>ynergier f<span class=\"_ _5\"></span>orventes<span class=\"ls0 ws0\"> </span>realis<span class=\"_ _5\"></span>ert b\u00e5de i </div><div class=\"t m2 x20e hcf y1f21 ff105 fs55 fc21 sc0 lsaf wsf6\">Carnegie og DNB.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y1f22 ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f23 ff105 fs55 fc21 sc0 lsaf wsf6\">Oppkj\u00f8pet av Carnegie ble fullf\u00f8rt 6. mars 2025, med regnskapsm<span class=\"_ _5\"></span>essig virkning fra 1. mars 2025. Virkelig verdi av identifiserbare eiendeler og </div><div class=\"t m2 x20e hcf y1f24 ff105 fs55 fc21 sc0 lsaf wsf6\">forpliktel<span class=\"_ _5\"></span>ser i Carnegie<span class=\"ls0 ws0\">-</span>konsernet per 1. mars 2025 er presentert i tabellen nedenfor.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y1f25 ff105 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gscc\"><table class=\"s w2d3 h4af\" id=\"_c27cf938-439d-4dcb-bd03-daee973ed543\"><tr><td class=\"c x3fc y3e66 wad h134\"><div class=\"t m2 x19f hd8 y1dae ff106 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fd y3e66 wb0 h134\"><div class=\"t m2 x134 hcc y1dae ff105 fs53 fc21 sc0 lsab wscd\">1 Mars 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3e67 wad h135\"><div class=\"t m2 x19f hd0 y1f28 ff104 fs2e fc21 sc0 ls5d ws60\">Eiendeler<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y3e68 wad hda\"><div class=\"t m2 x19f hcc y1db0 ff105 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e68 waf hda\"><div class=\"t m2 x1e4 hcc y1db0 ff105 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">257</span> </div></td></tr><tr><td class=\"c x3fc y3e69 wad hde\"><div class=\"t m2 x19f hcc y1dc1 ff105 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e69 waf hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff105 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">391</span> </div></td></tr><tr><td class=\"c x3fc y3e6a wad hdb\"><div class=\"t m2 x19f hcc y1dae ff105 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e6a waf hdb\"><div class=\"t m2 x1e4 hcc y1dae ff105 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">471</span> </div></td></tr><tr><td class=\"c x3fc y3e6b wad hdb\"><div class=\"t m2 x19f hcc y1dae ff105 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e6b waf hdb\"><div class=\"t m2 x1e4 hcc y1dae ff105 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">616</span> </div></td></tr><tr><td class=\"c x3fc y3e6c wad hda\"><div class=\"t m2 x19f hcc y1db0 ff105 fs53 fc21 sc0 lsab wscd\">Andre fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e6c waf hda\"><div class=\"t m2 x247 hcc y1db0 ff105 fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3e6d wad hde\"><div class=\"t m2 x19f hcc y1dc1 ff105 fs53 fc21 sc0 lsab wscd\">Andre ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>fina<span class=\"_ _5\"></span>nsielle<span class=\"_ _5\"></span> eiend<span class=\"_ _5\"></span>eler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e6d waf hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff105 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">759</span> </div></td></tr><tr><td class=\"c x3fc y3e6e wad hd9\"><div class=\"t m2 x19f hdc y1dae ff104 fs53 fc21 sc0 lsab wscd\">Sum ei<span class=\"_ _5\"></span>endeler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e6e waf hd9\"><div class=\"t m2 x4f hdc y1dae ff104 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>786<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3e6f wad h135\"><div class=\"t m2 x19f hd0 y1f31 ff104 fs2e fc21 sc0 lsad ws113\">Passiva<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y3e70 wad hde\"><div class=\"t m2 x19f hcc y1dc1 ff105 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e70 waf hde\"><div class=\"t m2 x4f hcc y1dc1 ff105 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>850<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3e71 wad hda\"><div class=\"t m2 x19f hcc y1da9 ff105 fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e71 waf hda\"><div class=\"t m2 x1e4 hcc y1da9 ff105 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">068</span> </div></td></tr><tr><td class=\"c x3fc y3e72 wad hdd\"><div class=\"t m2 x19f hdc y1dae ff104 fs53 fc21 sc0 lsb3 wsf1\">Sum gj<span class=\"_ _5\"></span>eld<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e72 waf hdd\"><div class=\"t m2 x4f hdc y1dae ff104 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3e73 wad h136\"><div class=\"t m2 x19f hd0 y1f37 ff104 fs2e fc21 sc0 lsad ws60\">Netto ident<span class=\"_ _1\"></span>ifiserbar<span class=\"_ _1\"></span>e eiendeler<span class=\"_ _1\"></span> anskaffet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e73 waf h136\"><div class=\"t m2 x1e4 hdc y1dc1 ff104 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">869</span> </div></td></tr><tr><td class=\"c x3fc y3e74 wad hdb\"><div class=\"t m2 x19f hcc y1dae ff105 fs53 fc21 sc0 lsa7 wsc9\">Goodwill<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e74 waf hdb\"><div class=\"t m2 x1e4 hcc y1dae ff105 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">579</span> </div></td></tr><tr><td class=\"c x3fc y3e75 wb2 hdd\"><div class=\"t m2 x19f hdc y1db0 ff104 fs53 fc21 sc0 lsab wscd\">Samlet<span class=\"_ _5\"></span> vederl<span class=\"_ _5\"></span>ag for<span class=\"_ _5\"></span> 100 pr<span class=\"_ _5\"></span>osent <span class=\"_ _5\"></span>av aksj<span class=\"_ _5\"></span>ene, <span class=\"_ _5\"></span>gjort o<span class=\"_ _5\"></span>pp ko<span class=\"_ _5\"></span>ntant<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3fe y3e75 waf hdd\"><div class=\"t m2 x4f hdc y1db0 ff104 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>447<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h133 gscb\"><div class=\"t m2 x20e hcf y1f3a ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f3b ff105 fs55 fc21 sc0 lsaf wsf6\">DNB har identifisert<span class=\"_ _5\"></span> immaterielle eiendeler og regnskapsf\u00f8rt<span class=\"_ _5\"></span> disse separat i den endelige fordelingen av kj\u00f8pesummen. Dette omfatter 644 </div><div class=\"t m2 x20e hcf y1f3c ff105 fs55 fc21 sc0 lsaf wsf6\">millioner kroner k<span class=\"_ _5\"></span>nyttet til varemerker, 1 476 millioner kroner knyttet til kundeforhold og 260 mil<span class=\"_ _5\"></span>lioner kroner knyttet til distribus<span class=\"_ _5\"></span>jonsavtaler. De </div><div class=\"t m2 x20e hcf y1f3d ff105 fs55 fc21 sc0 lsaf wsf6\">immateriell<span class=\"_ _5\"></span>e eiendelene er presentert under Andre ikke<span class=\"ff107 ls0 ws0\">\u2011</span>finansiel<span class=\"_ _5\"></span>le eiendeler i tabellen ovenfor. Avskrivning av<span class=\"_ _5\"></span> kundeforhold og </div><div class=\"t m2 x20e hcf y1f3e ff105 fs55 fc21 sc0 lsaf wsf6\">distri<span class=\"_ _5\"></span>busjonsavtaler vil bli gjennomf\u00f8rt over en periode p\u00e5 7 til 15 \u00e5r. Varemerket anses \u00e5 ha en<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">ubestemt <span class=\"_ _5\"></span>utnyttbar levetid.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y1f3f ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f40 ff105 fs55 fc21 sc0 lsaf wsf6\">Goodwill p\u00e5 8 579 millioner kroner omfatt<span class=\"_ _5\"></span>er verdien av forventede synergier som oppst\u00e5r ved oppkj\u00f8pet, eksisterende arbei<span class=\"_ _5\"></span>dsstyrke og utsatt </div><div class=\"t m2 x20e hcf y1f41 ff105 fs55 fc21 sc0 lsaf wsf6\">skatt p\u00e5 merverdier. Goodwi<span class=\"_ _5\"></span>ll<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">bel\u00f8pet forventes <span class=\"_ _5\"></span>ikke \u00e5 v\u00e6re <span class=\"_ _5\"></span>fradragsberetti<span class=\"_ _5\"></span>get for sk<span class=\"_ _5\"></span>attemessige form\u00e5l.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y1f42 ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f43 ff105 fs55 fc21 sc0 lsaf wsf6\">DNB benyttet eksterne r\u00e5dgiv<span class=\"_ _5\"></span>ere i prosessen med \u00e5 <span class=\"_ _1\"></span>kj<span class=\"_ _5\"></span>\u00f8pe Carnegie<span class=\"ls0 ws0\">-</span>konsernet, og 167 millioner kroner ble kostnadsf\u00f8rt i resul<span class=\"_ _5\"></span>tatregnskapet </div><div class=\"t m2 x20e hcf y1f44 ff105 fs55 fc21 sc0 lsaf wsf6\">som oppkj\u00f8psrelat<span class=\"_ _5\"></span>erte kostnader, hvorav 45 millioner kroner ble kostnadsf\u00f8rt i 2024. Bidrag fra Carnegie ti<span class=\"_ _5\"></span>l DNB<span class=\"ls0 ws0\">-<span class=\"lsbf ws107\">kon<span class=\"_ _1\"></span>se<span class=\"lsaf wsf6\">rnets resultatregnskap er </span></span></span></div><div class=\"t m2 x20e hcf y1f45 ff105 fs55 fc21 sc0 lsaf wsf6\">inkludert<span class=\"_ _5\"></span> fra og med 1<span class=\"_ _1\"></span>. mars 2025. Dersom virksomhetssam<span class=\"_ _5\"></span>menslutningen hadde funnet sted ved \u00e5rets begynnelse, ville de total<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span><span class=\"wscf\">inntektene </span></div><div class=\"t m2 x20e hcf y1f46 ff105 fs55 fc21 sc0 lsaf wsf6\">v\u00e6rt 91 <span class=\"wscf\">323<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">millioner k<span class=\"_ _5\"></span>roner, og konsernet<span class=\"_ _5\"></span>s drifts<span class=\"_ _5\"></span>resultat f\u00f8r sk<span class=\"_ _5\"></span>att ville ha v<span class=\"_ _5\"></span>\u00e6rt 53 <span class=\"_ _5\"></span></span>543<span class=\"ls0 ws0\"> <span class=\"lsb9 wsff\">mil</span></span></span>lioner kroner ved utgangen av desember 2025.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h137 y1f47 ff105 fs5b fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd0 y1f48 ff104 fs2e fc21 sc0 ls5d ws0\">Oppkj\u00f8p av Ekspor<span class=\"_ _1\"></span>tfinans<span class=\"ls0\"> </span></div><div class=\"t m2 x20e hcf y1f49 ff105 fs55 fc21 sc0 lsaf wsf6\">I andre kvartal kj\u00f8pte DNB 60 prosent av aksjene i Eksportfinans AS for et kontantvederlag p\u00e5 3 mil<span class=\"_ _5\"></span>liarder kroner. Etter oppkj\u00f8pet eier DNB 100 </div><div class=\"t m2 x20e hcf y1f4a ff105 fs55 fc21 sc0 lsaf wsf6\">prosent av aksjene, og fra og med andre kvartal konsolideres Eksportf<span class=\"_ _5\"></span>inans AS som et datterselskap i DNB<span class=\"ls0 ws0\">-</span><span class=\"wscf\">konsern<span class=\"wsd2\">et. Kj\u00f8<span class=\"_ _5\"></span>pesummen var </span></span></div><div class=\"t m2 x20e hcf y1f4b ff105 fs55 fc21 sc0 lsaf wsf6\">basert p\u00e5 bokf\u00f8rt egenkapit<span class=\"_ _5\"></span>al i Eksportfinans AS per 31. desember 2024, og det var ingen <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span>entlige justeringer av kj\u00f8pesumme<span class=\"wscf\">n.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y1f4c ff105 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y1f4d ff105 fs55 fc21 sc0 lsaf wsf6\">Eksportfinans AS ble ti<span class=\"_ _5\"></span>dligere regnskapsf\u00f8rt etter egenkapit<span class=\"_ _5\"></span>almetoden. Bokf\u00f8rt verdi av eierandelen p\u00e5 40 prosent var 2 milli<span class=\"wsd2\">arder k<span class=\"_ _5\"></span>roner ved </span></div><div class=\"t m2 x20e hcf y1f4e ff105 fs55 fc21 sc0 lsaf wsf6\">utgangen av f\u00f8rste kvartal.</div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-13": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>l styring i DNB er orientert mot de ulike kundesegmentene. Oppf\u00f8lging av det totale kundef<span class=\"_ _5\"></span>orholdet og l\u00f8nnsomhet i k<span class=\"wscf\">undesegmentene </span>er viktige dimensjoner ved strat<span class=\"_ _5\"></span>egiske prioriteringer og allok<span class=\"_ _5\"></span>ering av ressursene. Rapporterte tall f<span class=\"_ _5\"></span>or de <span class=\"_ _1\"></span>ulik<span class=\"_ _5\"></span>e seg<span class=\"wsd2\">mentene reflekt<span class=\"_ _5\"></span>erer konsernets </span>samlede salg av produkter og tjenest<span class=\"_ _5\"></span>er til de relevante kundesegmentene.<span class=\"ls0 ws0\"> </span>Alle konsernets kunderett<span class=\"_ _5\"></span>ede aktiviteter er fordelt til driftss<span class=\"_ _5\"></span>egmentene med tilh\u00f8rende balanseposter, inntekt<span class=\"_ _5\"></span>er og kostnader<span class=\"lsbc ws103\">. <span class=\"ls0 ws0\"> </span></span>Over<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller undersk<span class=\"_ _5\"></span>uddslikviditet fra driftss<span class=\"_ _5\"></span>egmentene plasseres i eller l\u00e5nes fra konsernets likviditets<span class=\"_ _5\"></span>funksjon til markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>betingelser, hvor </span>rentevilk\u00e5rene er til<span class=\"_ _5\"></span>passet bindingstiden og konsernets finansieringss<span class=\"_ _5\"></span>ituasjon.<span class=\"ls0 ws0\"> </span>N\u00e5r driftssegment<span class=\"_ _5\"></span>ene samarbeider om levering av finansielle tjenester til kunder, pris<span class=\"_ _5\"></span>es de interne leveransene til markedsvi<span class=\"lsbe ws10b\">lk<span class=\"_ _5\"></span>\u00e5r. <span class=\"ls0 ws0\"> </span></span>Tjenest<span class=\"_ _5\"></span>er levert fra fellesfunksjoner og staber belastes driftssegm<span class=\"_ _5\"></span>entene basert p\u00e5 leveranseavtaler. Felleskostnader som er <span class=\"lsbc ws10c\">indire<span class=\"_ _1\"></span>kte knyt<span class=\"_ _1\"></span>tet til </span>driftss<span class=\"_ _5\"></span>egmentenes virksomhet, belastes de ulik<span class=\"_ _5\"></span>e driftssegmentene p\u00e5 bakgrunn av fordelingsn\u00f8kler. <span class=\"ls0 ws0\"> </span>En del sentrale funksjoner og resultat av v<span class=\"_ _5\"></span>irksomhet som ikke er knyttet til driftssegmentene strategis<span class=\"_ _5\"></span>ke oppgaver, er regnsk<span class=\"lsbd\">a<span class=\"_ _5\"></span>ps<span class=\"_ _5\"></span>mess<span class=\"_ _5\"></span>i<span class=\"_ _5\"></span>g s<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>le<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> </span>\u00d8vrig virksomhet. Dette omfatt<span class=\"_ _5\"></span>er inntekter og kostnader ved konsernets likv<span class=\"_ _5\"></span>iditetsstyring, inntekt<span class=\"_ _5\"></span>er fra posisjonering i egenkapitalinst<span class=\"_ _5\"></span>rumenter utenom handelsportef<span class=\"_ _5\"></span>\u00f8ljen og renteinntekt<span class=\"_ _5\"></span>er tilordnet konsernets uallokerte kapital, eierrelatert<span class=\"_ _5\"></span>e kostnader og forvaltningsr<span class=\"_ _5\"></span>esultatet fra bankens eiendomsport<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span>Resultat fra overt<span class=\"_ _5\"></span>att virksomhet som er fullt konsolidert i DNB<span class=\"ls0 ws0\">-</span>konsernet,<span class=\"_ _5\"></span> er presentert netto p\u00e5 linjen \u00abResultat overtatt virksom<span class=\"_ _5\"></span>het\u00bb i den interne rapporteringen av<span class=\"_ _5\"></span> segmentene. Effekten av konsolideringen av overtatt virks<span class=\"_ _5\"></span>omhet er presentert i \u00d8vrig vir<span class=\"wscf\">ksomhet.<span class=\"_ _1c5\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-398": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K3 Segmenter<span class=\"_ _1c5\"> </span></div><div class=\"c wac h131 gscf\"><div class=\"t m2 x248 h12e y1ed0 ff109 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y1ed1 ff109 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1ed2 ff108 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>l styring i DNB er orientert mot de ulike kundesegmentene. Oppf\u00f8lging av det totale kundef<span class=\"_ _5\"></span>orholdet og l\u00f8nnsomhet i k<span class=\"wscf\">undesegmentene </span></div><div class=\"t m2 x248 hcf y1ed3 ff108 fs55 fc21 sc0 lsaf wsf6\">er viktige dimensjoner ved strat<span class=\"_ _5\"></span>egiske prioriteringer og allok<span class=\"_ _5\"></span>ering av ressursene. Rapporterte tall f<span class=\"_ _5\"></span>or de <span class=\"_ _1\"></span>ulik<span class=\"_ _5\"></span>e seg<span class=\"wsd2\">mentene reflekt<span class=\"_ _5\"></span>erer konsernets </span></div><div class=\"t m2 x248 hcf y1ed4 ff108 fs55 fc21 sc0 lsaf wsf6\">samlede salg av produkter og tjenest<span class=\"_ _5\"></span>er til de relevante kundesegmentene.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1ed5 ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1ed6 ff108 fs55 fc21 sc0 lsaf wsf6\">Alle konsernets kunderett<span class=\"_ _5\"></span>ede aktiviteter er fordelt til driftss<span class=\"_ _5\"></span>egmentene med tilh\u00f8rende balanseposter, inntekt<span class=\"_ _5\"></span>er og kostnader<span class=\"lsbc ws103\">. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y1ed7 ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1ed8 ff108 fs55 fc21 sc0 lsaf wscf\">Over<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller undersk<span class=\"_ _5\"></span>uddslikviditet fra driftss<span class=\"_ _5\"></span>egmentene plasseres i eller l\u00e5nes fra konsernets likviditets<span class=\"_ _5\"></span>funksjon til markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>betingelser, hvor </span></div><div class=\"t m2 x248 hcf y1ed9 ff108 fs55 fc21 sc0 lsaf wsf6\">rentevilk\u00e5rene er til<span class=\"_ _5\"></span>passet bindingstiden og konsernets finansieringss<span class=\"_ _5\"></span>ituasjon.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1eda ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1edb ff108 fs55 fc21 sc0 lsaf wsf6\">N\u00e5r driftssegment<span class=\"_ _5\"></span>ene samarbeider om levering av finansielle tjenester til kunder, pris<span class=\"_ _5\"></span>es de interne leveransene til markedsvi<span class=\"lsbe ws10b\">lk<span class=\"_ _5\"></span>\u00e5r. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y1edc ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1edd ff108 fs55 fc21 sc0 lsaf wsf6\">Tjenest<span class=\"_ _5\"></span>er levert fra fellesfunksjoner og staber belastes driftssegm<span class=\"_ _5\"></span>entene basert p\u00e5 leveranseavtaler. Felleskostnader som er <span class=\"lsbc ws10c\">indire<span class=\"_ _1\"></span>kte knyt<span class=\"_ _1\"></span>tet til </span></div><div class=\"t m2 x248 hcf y1ede ff108 fs55 fc21 sc0 lsaf wsf6\">driftss<span class=\"_ _5\"></span>egmentenes virksomhet, belastes de ulik<span class=\"_ _5\"></span>e driftssegmentene p\u00e5 bakgrunn av fordelingsn\u00f8kler. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1edf ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1ee0 ff108 fs55 fc21 sc0 lsaf wsf6\">En del sentrale funksjoner og resultat av v<span class=\"_ _5\"></span>irksomhet som ikke er knyttet til driftssegmentene strategis<span class=\"_ _5\"></span>ke oppgaver, er regnsk<span class=\"lsbd\">a<span class=\"_ _5\"></span>ps<span class=\"_ _5\"></span>mess<span class=\"_ _5\"></span>i<span class=\"_ _5\"></span>g s<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>le<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x248 hcf y1ee1 ff108 fs55 fc21 sc0 lsaf wsf6\">\u00d8vrig virksomhet. Dette omfatt<span class=\"_ _5\"></span>er inntekter og kostnader ved konsernets likv<span class=\"_ _5\"></span>iditetsstyring, inntekt<span class=\"_ _5\"></span>er fra posisjonering i egenkapitalinst<span class=\"_ _5\"></span>rumenter </div><div class=\"t m2 x248 hcf y1ee2 ff108 fs55 fc21 sc0 lsaf wsf6\">utenom handelsportef<span class=\"_ _5\"></span>\u00f8ljen og renteinntekt<span class=\"_ _5\"></span>er tilordnet konsernets uallokerte kapital, eierrelatert<span class=\"_ _5\"></span>e kostnader og forvaltningsr<span class=\"_ _5\"></span>esultatet fra bankens </div><div class=\"t m2 x248 hcf y1ee3 ff108 fs55 fc21 sc0 lsaf wscf\">eiendomsport<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1ee4 ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1ee5 ff108 fs55 fc21 sc0 lsaf wsf6\">Resultat fra overt<span class=\"_ _5\"></span>att virksomhet som er fullt konsolidert i DNB<span class=\"ls0 ws0\">-</span>konsernet,<span class=\"_ _5\"></span> er presentert netto p\u00e5 linjen \u00abResultat overtatt virksom<span class=\"_ _5\"></span>het\u00bb i den </div><div class=\"t m2 x248 hcf y1ee6 ff108 fs55 fc21 sc0 lsaf wsf6\">interne rapporteringen av<span class=\"_ _5\"></span> segmentene. Effekten av konsolideringen av overtatt virks<span class=\"_ _5\"></span>omhet er presentert i \u00d8vrig vir<span class=\"wscf\">ksomhet.<span class=\"_ _1c5\"> </span></span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y1ee7 ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 he2 y1ee8 ff108 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1ee9 ff108 fs55 fc21 sc0 lsaf wsf6\">DNB har f\u00f8lgende driftssegm<span class=\"_ _5\"></span>enter: Personkunder, Bedriftsk<span class=\"_ _5\"></span>under Norge, Store bedrifter og internasjonale kunder, Risk<span class=\"_ _5\"></span> management og </div><div class=\"t m2 x248 hcf y1eea ff108 fs55 fc21 sc0 lsaf wsf6\">Tradisjonel<span class=\"_ _5\"></span>le pensjonsprodukter. Segmentene Risk management og Tradis<span class=\"_ _5\"></span>jonelle pensjonsprodukter er inkl<span class=\"_ _5\"></span>udert i \u00d8vrig virksomhe<span class=\"lsc2 ws10d\">t.<span class=\"_ _5\"></span> DNB<span class=\"_ _5\"></span>s </span></div><div class=\"t m2 x248 hcf y1eeb ff108 fs55 fc21 sc0 lsaf wsf6\">andel av overskuddet i tilknytt<span class=\"_ _5\"></span>ede selskaper (prim\u00e6rt Luminor, Vipps og Fremtind) er ogs\u00e5 inkludert i \u00d8vrig virksom<span class=\"_ _5\"></span>het. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y1eec ff108 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1eed ff108 fs55 fc21 sc0 lsaf wscf\">Personkunder<span class=\"lsc1 ws10e\"> - <span class=\"_ _117\"></span><span class=\"lsaf wsf6\">omfatter konsernets samlede tilbud av<span class=\"_ _5\"></span> produkter og tjenester til personmarkedet i alle kanaler, b\u00e5de elek<span class=\"_ _5\"></span>troniske og </span></span></div><div class=\"t m2 x11b hcf y1eee ff108 fs55 fc21 sc0 lsaf wsf6\">fysisk<span class=\"_ _5\"></span>e med unntak av boligl\u00e5n i Tradisjonelle pensjonsprodukter hvor avkastningen til<span class=\"_ _5\"></span>faller forsikri<span class=\"_ _5\"></span>ngstakerne. DNB tilbyr </div><div class=\"t m2 x11b hcf y1eef ff108 fs55 fc21 sc0 lsaf wsd2\">et bredt<span class=\"_ _5\"></span> spek<span class=\"wsf6\">ter av produkter gjennom Norges st\u00f8rste dist<span class=\"_ _5\"></span>ribusjonsnett, som omfatter mobil<span class=\"_ _5\"></span>bank, nettbank, bankkontorer, </span></div><div class=\"t m2 x11b hcf y1ef0 ff108 fs55 fc21 sc0 lsaf wsf6\">kundesent<span class=\"_ _5\"></span>re og eiendomsmegling. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y1ef1 ff108 fs56 fc21 sc0 ls0 ws10f\">  </div><div class=\"t m2 x248 hcf y1ef2 ff108 fs55 fc21 sc0 lsaf wsf6\">Bedriftskunder Norge<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1ef3 ff108 fs55 fc21 sc0 ls0 ws110\">  <span class=\"_ _c9\"> </span><span class=\"lsc1 ws111\">- o<span class=\"lsaf wscf\">mf<span class=\"_ _5\"></span>atter <span class=\"wsf6\">salg av produkter til og r\u00e5dgivni<span class=\"_ _5\"></span>ngstjenester for sm\u00e5 og mellomstore bedrift<span class=\"_ _5\"></span>er i Norge, samt alle kunder innenfor </span></span></span></div><div class=\"t m2 x11b hcf y1ef4 ff108 fs55 fc21 sc0 lsaf wsf6\">industrisegm<span class=\"_ _5\"></span>entet n\u00e6ringseiendom.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>DNBs betjening av kundene i segmentet er basert p\u00e5 bransjekunnskap og </div><div class=\"t m2 x11b hcf y1ef5 ff108 fs55 fc21 sc0 lsaf wsf6\">kompetanse om finansi<span class=\"_ _5\"></span>eringsprodukter. Produkttil<span class=\"_ _5\"></span>budet er tilpasset kundenes ulike behov. Kundene betjenes gjennom </div><div class=\"t m2 x11b hcf y1ef6 ff108 fs55 fc21 sc0 lsaf wsf6\">kontorer i Norge, og kundene tilbys i till<span class=\"_ _5\"></span>egg nettbank, mobilbank og an<span class=\"wsd2\">dre digital<span class=\"_ _5\"></span>e tjenester.<span class=\"_ _5\"></span><span class=\"ls0 ws112\">  </span></span></div><div class=\"t m2 x248 he2 y1ef7 ff108 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1ef8 ff108 fs55 fc21 sc0 lsaf wsf6\">Store bedrifter og internas<span class=\"_ _5\"></span>jonale kunder<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 xaf hcf y1ef9 ff108 fs55 fc21 sc0 lsc1 wsce\">- <span class=\"_ _167\"> </span><span class=\"lsaf wsf6\">omfatter store norsk<span class=\"_ _5\"></span>e og internasjonale bedriftskunder<span class=\"ls0 ws0\"> </span>i all<span class=\"_ _5\"></span>e industrisegmenter un<span class=\"ls0 ws0\">n</span>tatt n\u00e6ringseiendom.<span class=\"_ _5\"></span> DNBs betjening </span></div><div class=\"t m2 x47 hcf y1efa ff108 fs55 fc21 sc0 lsaf wsf6\">av kundesegmentet er basert p\u00e5 bred og dyp bransjeinnsikt<span class=\"_ _5\"></span> og langsiktige kunderelasjoner. Produkt<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- <span class=\"lsbd ws104\">og </span></span></div><div class=\"t m2 x47 hcf y1efb ff108 fs55 fc21 sc0 lsaf wsf6\">r\u00e5dgivnings<span class=\"_ _5\"></span>tilbudet er tilpasset kundenes ulike behov og dekker de fleste bank<span class=\"lsc1 wsce\">- </span>og finanst<span class=\"_ _5\"></span>jenester. Kundene betjenes </div><div class=\"t m2 x47 hcf y1efc ff108 fs55 fc21 sc0 lsaf wsf6\">gjennom kontorer i b\u00e5de Norge og utlandet. I till<span class=\"_ _5\"></span>egg tilbys kundene nettbank, mobilbank og andre digitale tjenester.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y1efd ff108 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1efe ff108 fs55 fc21 sc0 lsaf wsf6\">Resultat<span class=\"_ _5\"></span>regnskap og balanseoppstilling for segmentene er basert p\u00e5 en sammenstilli<span class=\"_ _5\"></span>ng av intern finansiell rapportering for den funksjonelle </div><div class=\"t m2 x248 hcf y1eff ff108 fs55 fc21 sc0 lsaf wsf6\">organiseringen av<span class=\"_ _5\"></span> DNB<span class=\"ls0 ws0\">-</span>konsernet i segmenter, slik den rapporteres til konsernledel<span class=\"_ _5\"></span>sen (\u00f8verste beslutningstaker),<span class=\"_ _5\"></span> for \u00e5 vurdere utvikling og </div><div class=\"t m2 x248 hcf y1f00 ff108 fs55 fc21 sc0 lsaf wsf6\">allokere ressurs<span class=\"_ _5\"></span>er. Tallene for segmentene er basert p\u00e5 konsernets regnskapsprins<span class=\"_ _5\"></span>ipper og DNBs styringsmodell. Allokering av kostnader og </div><div class=\"t m2 x248 hcf y1f01 ff108 fs55 fc21 sc0 lsaf wsf6\">kapital mellom omr\u00e5dene by<span class=\"_ _5\"></span>gger p\u00e5 en rekke forutsetninger, estimater og skj\u00f8nnsmessige ford<span class=\"wsd2\">el<span class=\"_ _5\"></span>inger. DNB<span class=\"ls0 ws0\">-</span></span>konsernets vi<span class=\"_ _5\"></span>rksomhet utf\u00f8res i all </div><div class=\"t m2 x248 hcf y1f02 ff108 fs55 fc21 sc0 lsaf wsf6\">hovedsak av norske selskaper. Andel av inntekter fra internas<span class=\"_ _5\"></span>jonale enheter utgjorde 24,2 prosent i 2025 og andel av utl\u00e5n utgj<span class=\"_ _5\"></span>orde 12,8 </div><div class=\"t m2 x248 hcf y1f03 ff108 fs55 fc21 sc0 lsaf wsf6\">prosent ved utgangen av 2025.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y1f04 ff108 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y1f05 ff108 fs55 fc21 sc0 lsaf wsf6\">DNB allokerer kapital til v<span class=\"_ _5\"></span>irksomheten beregnet p\u00e5 basis av konsernets rene kjernekapital og langsikt<span class=\"_ _5\"></span>ige kapitaliserings<span class=\"_ _5\"></span>ambisjon. Forsikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y1f06 ff108 fs55 fc21 sc0 lsaf wsf6\">virksom<span class=\"_ _5\"></span>heten er underlagt s\u00e6rskilte kapitaldekni<span class=\"_ _5\"></span>ngsregler, og allokert kapital tilsvarer regnsk<span class=\"_ _5\"></span>apsf\u00f8rt egenkapit<span class=\"wsd2\">al i s<span class=\"_ _5\"></span>el</span>skapene. Grunnlaget for </div><div class=\"t m2 x248 hcf y1f07 ff108 fs55 fc21 sc0 lsaf wsd2\">allokering <span class=\"_ _5\"></span>av kapit<span class=\"_ _5\"></span>al til \u00f8vrig v<span class=\"_ _5\"></span>irksomhet <span class=\"_ _5\"></span>i konsernet er <span class=\"_ _5\"></span>en tiln\u00e6rming t<span class=\"_ _5\"></span>il Bas<span class=\"_ _5\"></span>el III, med k<span class=\"_ _5\"></span>apitalkrav relat<span class=\"_ _5\"></span>ert til kredi<span class=\"_ _5\"></span>ttrisiko, mark<span class=\"_ _5\"></span>edsrisiko, </div><div class=\"t m2 x248 hcf y1f08 ff108 fs55 fc21 sc0 lsaf wsf6\">operasjonell risi<span class=\"_ _5\"></span>ko og goodwill. For allokering av kredittrisik<span class=\"_ _5\"></span>o er konsernets interne m\u00e5ling av risikojustert<span class=\"_ _5\"></span> kapitalbehov for kreditt benytt<span class=\"_ _5\"></span>et. </div><div class=\"t m2 x248 hcf y1f09 ff108 fs55 fc21 sc0 lsaf wscf\">Kapital<span class=\"wsf6\">behov f<span class=\"_ _5\"></span>or markedsrisiko er fordelt direkte i henhold til risikovekt<span class=\"_ _5\"></span>et beregningsgrunnlag, og operasjonel<span class=\"_ _5\"></span>l risiko er fordelt i<span class=\"ls0 ws0\"> </span>forhold til </span></div><div class=\"t m2 x248 hcf y1f0a ff108 fs55 fc21 sc0 lsaf wsf6\">omr\u00e5denes totale i<span class=\"_ _5\"></span>nntekter.   <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hd6 y1f0b ff109 fs5 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hd6 y1f0c ff108 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span><span class=\"ff109 fs5\"> </span></div></div><div class=\"gsd3\"><table class=\"s w2d4 h4b0\" id=\"_d9a4b228-f167-4ba3-8c2b-92728edce95c\"><tr><td class=\"c x400 y3e76 wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff110 fs55 fc21 sc0 lsaf wscf\">Resultatregnskap<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x401 y3e76 wbf h139\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Store bedrifter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x402 y3e77 wc0 hd7\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Bedriftskunde<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3e77 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">og internationale<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x403 y3e77 wc0 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\">\u00d8vrig</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x404 y3e77 wc1 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\"></span><span class=\"lsb5\">DNB</span><span class=\"ws0\">-</span><span class=\"ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x405 y3e78 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Personkunder<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x402 y3e78 wc0 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Norge<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3e78 wbf hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">kunder<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x403 y3e78 wc0 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ws0\">virksomhet </span></div></td><td class=\"c x406 y3e78 wbf hd7\"><div class=\"t m2 x266 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">    <span class=\"lsb5\">Elimineringer</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e78 wc1 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">konsernet<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td></tr><tr><td class=\"c x400 y3e79 wbb h13b\"><div class=\"t m2 x19f h13c y1fa8 ff112 fs16 fc21 sc0 ls14 wsfa\">Bel\u00f8p i millioner k<span class=\"_ _1\"></span>roner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e79 wbd h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e79 wbe h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e79 wbd h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e79 wbe h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e79 wbd h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e79 wbe h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7a wbb h13d\"><div class=\"t m2 x19f h125 y1fae ff111 fs16 fc21 sc0 ls14 wsfa\">Netto renteinntekt<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>545<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7a wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>152<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>565<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e7a wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>413<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7a wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span>602<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e7a wbc h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">208</span> </div></td><td class=\"c x40a y3e7a wbe h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">001</span> </div></td><td></td><td></td><td class=\"c x404 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7a wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7b wbb h13e\"><div class=\"t m2 x19f h125 y1fb0 ff111 fs16 fc21 sc0 ls14 wsfa\">Netto andre driftsi<span class=\"_ _1\"></span>nntekter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7b wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">767</span> </div></td><td class=\"c x407 y3e7b wbd h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">967</span> </div></td><td class=\"c x402 y3e7b wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">154</span> </div></td><td class=\"c x408 y3e7b wbe h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">014</span> </div></td><td class=\"c x401 y3e7b wbc h13e\"><div class=\"t m2 x28d h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">10<span class=\"ls0 ws0\"> </span>992<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7b wbd h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">520</span> </div></td><td class=\"c x403 y3e7b wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">944</span> </div></td><td class=\"c x40a y3e7b wbe h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">644</span> </div></td><td class=\"c x406 y3e7b wbc h13e\"><div class=\"t m2 x28b h125 y1fb0 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">940</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e7b wbd h13e\"><div class=\"t m2 x210 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(798)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e7b wbc h13e\"><div class=\"t m2 x28d h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">25<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7b wbe h13e\"><div class=\"t m2 x28d h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>347<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7c wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum inntekte<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">30<span class=\"ls0 ws0\"> </span>312<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7c wbd h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">28<span class=\"ls0 ws0\"> </span>118<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span>718<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e7c wbe h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">30<span class=\"ls0 ws0\"> </span>405<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7c wbd h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">27<span class=\"ls0 ws0\"> </span>122<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e7c wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">153</span> </div></td><td class=\"c x40a y3e7c wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">645</span> </div></td><td class=\"c x406 y3e7c wbc h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">940</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e7c wbd h13f\"><div class=\"t m2 x210 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">(798)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">90<span class=\"ls0 ws0\"> </span>649<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7c wbe h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">86<span class=\"ls0 ws0\"> </span>537<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7d wbb h13d\"><div class=\"t m2 x19f h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">Driftskostnade<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7d wbc h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>854)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7d wbd h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>017)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7d wbc h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(6<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">132</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e7d wbe h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(5<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">825</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x401 y3e7d wbc h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>973)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7d wbd h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(9<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">497</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x403 y3e7d wbc h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(2<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">707</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40a y3e7d wbe h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">313</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x406 y3e7d wbc h13d\"><div class=\"t m2 x28c h125 y1de5 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">940</span> </div></td><td class=\"c x40b y3e7d wbd h13d\"><div class=\"t m2 x1e5 h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">798<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e7d wbc h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(30<span class=\"ls0 ws0\"> </span>726)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7d wbe h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(26<span class=\"ls0 ws0\"> </span>854)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y3e7e w73 h13a\"><div class=\"t m2 x1b8 h125 y1fb4 ff111 fs16 fc21 sc0 ls14 ws11b\">Avskrivninger og nedskrivni<span class=\"_ _1\"></span>nger<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3e7f wbb h140\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">  <span class=\"ls14 wsfa\">varige og immat<span class=\"_ _1\"></span>erielle eiendeler<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x405 y3e7f wbc h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(287)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7f wbd h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(249)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7f wbc h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(925)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e7f wbe h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(972)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e7f wbc h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">551</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x409 y3e7f wbd h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">594</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x403 y3e7f wbc h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(989)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e7f wbe h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(780)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e7f wbc h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">751</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40c y3e7f wbe h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">594</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td></tr><tr><td class=\"c x400 y3e80 wbb h141\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum driftskostn<span class=\"_ _1\"></span>ader<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e80 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(12<span class=\"ls0 ws0\"> </span>141)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e80 wbd h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e80 wbc h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(7<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">057</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e80 wbe h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(6<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">796</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x401 y3e80 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(13<span class=\"ls0 ws0\"> </span>524)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e80 wbd h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>091)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e80 wbc h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">693</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40a y3e80 wbe h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(2<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">093</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x406 y3e80 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">940</span> </div></td><td class=\"c x40b y3e80 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">798<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e80 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(34<span class=\"ls0 ws0\"> </span>476)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e80 wbe h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(30<span class=\"ls0 ws0\"> </span>448)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e81 wbb h13d\"><div class=\"t m2 x19f h125 y1fae ff111 fs16 fc21 sc0 ls14 ws11b\">Driftsresultat f\u00f8r nedskrivni<span class=\"_ _1\"></span>nger og skatt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span>171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e81 wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>852<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>661<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e81 wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>653<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>881<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e81 wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>031<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e81 wbc h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">459</span> </div></td><td class=\"c x40a y3e81 wbe h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">553</span> </div></td><td></td><td></td><td class=\"c x404 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">56<span class=\"ls0 ws0\"> </span>173<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e81 wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">56<span class=\"ls0 ws0\"> </span>089<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e82 wbb h13e\"><div class=\"t m2 x19f h125 y1fb0 ff111 fs16 fc21 sc0 ls14 wsfa\">Netto gevinste<span class=\"_ _1\"></span>r varige og immate<span class=\"_ _1\"></span>rielle eiendel<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e82 wbc h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e82 wbd h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e82 wbc h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x401 y3e82 wbc h13e\"><div class=\"t m2 x4f h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x409 y3e82 wbd h13e\"><div class=\"t m2 x4f h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x403 y3e82 wbc h13e\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">33<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e82 wbe h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e82 wbc h13e\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e82 wbe h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(2)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3e85 w2d5 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Nedskrivninge<span class=\"_ _1\"></span>r p\u00e5 finansielle inst<span class=\"_ _1\"></span>rumenter</div><div class=\"t m2 x40e h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e86 wbc h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(272)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e86 wbd h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(237)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e86 wbc h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">199</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e86 wbe h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(670)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e86 wbc h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">336</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x409 y3e86 wbd h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(303)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e86 wbc h142\"><div class=\"t m2 x4f h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 </div></td><td class=\"c x40a y3e86 wbe h142\"><div class=\"t m2 x4f h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td></td><td class=\"c x404 y3e86 wbc h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(2<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">803</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40c y3e86 wbe h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">209</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td></tr><tr><td class=\"c x400 y3e87 wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 ls14 wsfa\">Resultat overt<span class=\"_ _1\"></span>att virksomhet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e87 wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">47<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x408 y3e87 wbe h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e87 wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e87 wbd h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e87 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(62)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e87 wbe h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">27<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3e88 wbb h143\"><div class=\"t m2 x19f h125 y1fbe ff111 fs16 fc21 sc0 lsc7 ws22\">Driftsresultat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">17<span class=\"ls0 ws0\"> </span>946<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e88 wbd h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>612<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>457<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e88 wbe h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>959<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>561<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e88 wbd h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e88 wbc h143\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">434</span> </div></td><td class=\"c x40a y3e88 wbe h143\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">580</span> </div></td><td></td><td></td><td class=\"c x404 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">53<span class=\"ls0 ws0\"> </span>398<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e88 wbe h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e89 wbb h142\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">Skattekostnad<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(4<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">486</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x407 y3e89 wbd h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(4<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">153</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x402 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">864</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e89 wbe h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">990</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x401 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">890</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x409 y3e89 wbd h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">932</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x403 y3e89 wbc h142\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">347</span> </div></td><td class=\"c x40a y3e89 wbe h142\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">000</span> </div></td><td></td><td></td><td class=\"c x404 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(9<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">894</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40c y3e89 wbe h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(9<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">074</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td></tr><tr><td class=\"c x400 y3e8a wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 ls14 wsfa\">Resultat virksom<span class=\"_ _1\"></span>het holdt for s<span class=\"_ _1\"></span>alg, etter skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x403 y3e8a wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">82<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e8a wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td class=\"c x404 y3e8a wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">82<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e8a wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x400 y3e8b wbb h13f\"><div class=\"t m2 x19f h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws11b\">Resultat for regnskaps\u00e5re<span class=\"_ _1\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">13<span class=\"ls0 ws0\"> </span>459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e8b wbd h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">12<span class=\"ls0 ws0\"> </span>459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>593<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e8b wbe h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>969<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>671<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e8b wbd h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>796<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e8b wbc h13f\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">864</span> </div></td><td class=\"c x40a y3e8b wbe h13f\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">581</span> </div></td><td></td><td></td><td class=\"c x404 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">43<span class=\"ls0 ws0\"> </span>586<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e8b wbe h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">45<span class=\"ls0 ws0\"> </span>804<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff112 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w2d7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff112 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Se no<span class=\"_ _5\"></span>te K11 U<span class=\"_ _5\"></span>tvikl<span class=\"_ _5\"></span>ing i <span class=\"_ _5\"></span>akkumul<span class=\"_ _5\"></span>erte <span class=\"_ _5\"></span>nedskriv<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>ger av fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>elle i<span class=\"_ _5\"></span>nstrumen<span class=\"_ _5\"></span>ter for <span class=\"_ _5\"></span>analys<span class=\"_ _5\"></span>e av br<span class=\"_ _5\"></span>uttoe<span class=\"_ _5\"></span>ndring<span class=\"_ _5\"></span> i nedsk<span class=\"_ _5\"></span>rivni<span class=\"_ _5\"></span>ngene</span> <span class=\"lsab wscd\">fo<span class=\"_ _5\"></span>r kons<span class=\"_ _5\"></span>ernet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gsd4\"><table class=\"s w2d8 h4b3\" id=\"_f76c98af-d9a0-41a9-a19d-b131df1199d7\"><tr><td class=\"c x400 y3e8d wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff110 fs55 fc21 sc0 lsaf wscf\">Balanser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x401 y3e8d wbf h139\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Store bedrifter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x402 y3e8e wc0 hd7\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Bedriftskunde<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x401 y3e8e wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">og internationale<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x403 y3e8e wc0 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\">\u00d8vrig</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x404 y3e8e wc1 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\"></span><span class=\"lsb5\">DNB</span><span class=\"ws0\">-</span><span class=\"ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x405 y3e8f wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Personkunder<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x402 y3e8f wc0 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Norge<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x401 y3e8f wbf hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">kunder<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x403 y3e8f wc0 hd7\" colspan=\"2\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ws0\">virksomhet </span></div></td><td></td><td class=\"c x406 y3e8f wbf hd7\"><div class=\"t m2 x28d h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">    <span class=\"lsb5\">Elimineringer</span><span class=\"ws0\"> </span></div></td><td class=\"c x404 y3e8f wc1 hd7\" colspan=\"2\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">konsernet<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td></tr><tr><td class=\"c x400 y3e90 wbb h144\"><div class=\"t m2 x19f h13c y1fb0 ff112 fs16 fc21 sc0 lsb5 ws27\">Bel\u00f8p i milliar<span class=\"_ _5\"></span>der kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e90 wbd h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e90 wbe h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e90 wbd h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e90 wbe h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e90 wbd h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e90 wbe h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3e91 w2d9 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Netto utl\u00e5n til ku<span class=\"_ _1\"></span>nder</div><div class=\"t m2 x411 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">979<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e92 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">958<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">575<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e92 wbe h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">533<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">523<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e92 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">506<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">333<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e92 wbe h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">262<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e92 wbc h141\"><div class=\"t m2 x267 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e92 wbd h141\"><div class=\"t m2 x267 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(8)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e92 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">403</span> </div></td><td class=\"c x40c y3e92 wbe h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">252</span> </div></td></tr><tr><td class=\"c x400 y3e93 wbb h142\"><div class=\"t m2 x19f h125 y1fae ff111 fs16 fc21 sc0 ls14 wsfa\">Eiendeler holdt<span class=\"_ _1\"></span> for salg<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x403 y3e93 wbc h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x40a y3e93 wbe h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x406 y3e93 wbc h142\"><div class=\"t m2 x267 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e93 wbd h142\"><div class=\"t m2 x267 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e93 wbc h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x40c y3e93 wbe h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x400 y3e94 wbb h13e\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Andre eiendeler<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e94 wbc h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">59<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e94 wbd h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">56<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e94 wbc h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">99<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e94 wbe h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">84<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e94 wbc h13e\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">283<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e94 wbd h13e\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">256<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e94 wbc h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">092</span> </div></td><td class=\"c x40a y3e94 wbe h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">168</span> </div></td><td class=\"c x406 y3e94 wbc h13e\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">243</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e94 wbd h13e\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">202</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e94 wbc h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">290</span> </div></td><td class=\"c x40c y3e94 wbe h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">361</span> </div></td></tr><tr><td class=\"c x400 y3e95 wbb h13f\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum eiendeler<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e95 wbc h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">037</span> </div></td><td class=\"c x407 y3e95 wbd h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">014</span> </div></td><td class=\"c x402 y3e95 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">674<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e95 wbe h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">617<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e95 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">806<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e95 wbd h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">762<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e95 wbc h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">427</span> </div></td><td class=\"c x40a y3e95 wbe h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">432</span> </div></td><td class=\"c x406 y3e95 wbc h13f\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e95 wbd h13f\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e95 wbc h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">695</span> </div></td><td class=\"c x40c y3e95 wbe h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">614</span> </div></td></tr><tr><td class=\"c x400 y3e96 wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 lsb5 ws27\">Midler til forvalt<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e96 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">680<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e96 wbd h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e96 wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">58<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e96 wbe h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">48<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e96 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">928<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e96 wbd h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">790<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x40a y3e96 wbe h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e96 wbc h142\"><div class=\"t m2 x28c h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">667</span> </div></td><td class=\"c x40c y3e96 wbe h142\"><div class=\"t m2 x28c h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">140</span> </div></td></tr><tr><td class=\"c x400 y3e97 wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum forvaltede mi<span class=\"_ _1\"></span>dler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">718</span> </div></td><td class=\"c x407 y3e97 wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">316</span> </div></td><td class=\"c x402 y3e97 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">732<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e97 wbe h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">665<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">735</span> </div></td><td class=\"c x409 y3e97 wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">552</span> </div></td><td class=\"c x403 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">427</span> </div></td><td class=\"c x40a y3e97 wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">432</span> </div></td><td class=\"c x406 y3e97 wbc h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e97 wbd h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">362</span> </div></td><td class=\"c x40c y3e97 wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">754</span> </div></td></tr><tr><td class=\"c x40f y3e99 w2da h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Innskudd fra kund<span class=\"_ _1\"></span>er</div><div class=\"t m2 x412 h137 y3e98 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">628<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9a wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">585<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">410<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9a wbe h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">395<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">461<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9a wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">505<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9a wbc h13f\"><div class=\"t m2 x1bc h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">37<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e9a wbe h13f\"><div class=\"t m2 x1bc h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e9a wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e9a wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">522</span> </div></td><td class=\"c x40c y3e9a wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">488</span> </div></td></tr><tr><td class=\"c x400 y3e9b wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 ls14 wsfa\">Forpliktelser hol<span class=\"_ _1\"></span>dt for salg<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x403 y3e9b wbc h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x40a y3e9b wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x406 y3e9b wbc h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e9b wbd h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e9b wbc h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x40c y3e9b wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x400 y3e9c wbb h13e\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Annen gjeld<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e9c wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9c wbd h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">367<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9c wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">209<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9c wbe h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">168<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9c wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">279<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9c wbd h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">194<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9c wbc h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">288</span> </div></td><td class=\"c x40a y3e9c wbe h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">313</span> </div></td><td class=\"c x406 y3e9c wbc h13e\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">236</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e9c wbd h13e\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">200</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e9c wbc h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">877</span> </div></td><td class=\"c x40c y3e9c wbe h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">842</span> </div></td></tr><tr><td class=\"c x400 y3e9d wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum gjeld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e9d wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">964<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9d wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">951<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9d wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">619<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9d wbe h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">562<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9d wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">740<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9d wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">699<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9d wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">326</span> </div></td><td class=\"c x40a y3e9d wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">329</span> </div></td><td class=\"c x406 y3e9d wbc h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e9d wbd h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e9d wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">399</span> </div></td><td class=\"c x40c y3e9d wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">331</span> </div></td></tr><tr><td class=\"c x40f y3e9e w2db h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Allokert kapital</div><div class=\"t m2 x413 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e9f wbc h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">73<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9f wbd h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">63<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9f wbc h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">55<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9f wbe h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">55<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9f wbc h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">66<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9f wbd h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">63<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9f wbc h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">101<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e9f wbe h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">103<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e9f wbc h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">296<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e9f wbe h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">283<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ea0 wbb h141\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum gjeld og egenk<span class=\"_ _1\"></span>apital<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3ea0 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">037</span> </div></td><td class=\"c x407 y3ea0 wbd h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">014</span> </div></td><td class=\"c x402 y3ea0 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">674<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3ea0 wbe h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">617<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3ea0 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">806<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3ea0 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">762<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3ea0 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">427</span> </div></td><td class=\"c x40a y3ea0 wbe h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">432</span> </div></td><td class=\"c x406 y3ea0 wbc h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3ea0 wbd h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3ea0 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">695</span> </div></td><td class=\"c x40c y3ea0 wbe h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">614</span> </div></td></tr><tr><td class=\"c x3f6 y3ea1 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea1 w2dc h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n <span class=\"_ _5\"></span>til ku<span class=\"_ _5\"></span>nder i<span class=\"_ _5\"></span>nklude<span class=\"_ _5\"></span>rer p<span class=\"_ _5\"></span>\u00e5l\u00f8pte re<span class=\"_ _5\"></span>nter, n<span class=\"_ _5\"></span>edskriv<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span>er og ve<span class=\"_ _5\"></span>rdiju<span class=\"_ _5\"></span>stering<span class=\"_ _5\"></span>er. Til<span class=\"_ _5\"></span>svaren<span class=\"_ _5\"></span>de inklu<span class=\"_ _5\"></span>derer<span class=\"_ _5\"></span> innsku<span class=\"_ _5\"></span>dd fra<span class=\"_ _5\"></span> kund<span class=\"_ _5\"></span>er p\u00e5<span class=\"wsd0\">l<span class=\"_ _5\"></span>\u00f8pte rente<span class=\"_ _5\"></span>r.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea2 w2dd h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Al<span class=\"_ _5\"></span>lokert ka<span class=\"_ _5\"></span>pital er<span class=\"_ _5\"></span> for s<span class=\"_ _5\"></span>egmen<span class=\"_ _5\"></span>tene be<span class=\"_ _5\"></span>regne<span class=\"_ _5\"></span>t p\u00e5 g<span class=\"_ _5\"></span>runnlag <span class=\"_ _5\"></span>av eks<span class=\"_ _5\"></span>ternt k<span class=\"_ _5\"></span>apitalk<span class=\"_ _5\"></span>rav (B<span class=\"_ _5\"></span>asel II<span class=\"_ _5\"></span>I/Solv<span class=\"_ _5\"></span>ency II<span class=\"_ _5\"></span>) til vi<span class=\"_ _5\"></span>rksomh<span class=\"_ _5\"></span>eten<span class=\"_ _5\"></span>. Allokert k<span class=\"_ _5\"></span>apit<span class=\"_ _5\"></span>al tilsv<span class=\"_ _5\"></span>arer en<span class=\"_ _5\"></span> ren<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x414 y3e64 w2de h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">kjernek<span class=\"_ _5\"></span>apital<span class=\"_ _5\"></span>deknin<span class=\"_ _5\"></span>g p\u00e5 17,<span class=\"_ _5\"></span>5 pros<span class=\"_ _5\"></span>ent i <span class=\"_ _5\"></span>2025 o<span class=\"_ _5\"></span>g 2024.<span class=\"_ _5\"></span> Allok<span class=\"_ _5\"></span>ert kapi<span class=\"_ _5\"></span>tal f<span class=\"_ _5\"></span>or kons<span class=\"_ _5\"></span>ernet <span class=\"_ _5\"></span>er bokf<span class=\"_ _5\"></span>\u00f8rt ege<span class=\"_ _5\"></span>n<span class=\"wscb\">kapital<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gsd5\"><table class=\"s w2df h4b5\" id=\"_5fdf26d8-dbfa-490b-9e04-d761da947cc5\"><tr><td class=\"c x400 y3ea3 wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff110 fs55 fc21 sc0 lsaf wscf\">N\u00f8kkeltall<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x401 y3ea3 wbf h139\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Store bedrifter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x402 y3ea4 wc0 hd7\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Bedriftskunde<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3ea4 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">og internationale<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3ea4 wc0 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\">\u00d8vrig</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3ea4 wc1 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\"></span><span class=\"lsb5\">DNB</span><span class=\"ws0\">-</span><span class=\"ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x405 y3ea5 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Personkunder<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x402 y3ea5 wc0 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Norge<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3ea5 wbf hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">kunder<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3ea5 wc0 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ws0\">virksomhet </span></div></td><td class=\"c x406 y3ea5 wbf hd7\"><div class=\"t m2 x28d h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">    <span class=\"lsb5\">Elimineringer</span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x404 y3ea5 wc1 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">konsernet<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td></tr><tr><td class=\"c x400 y3ea6 wbb h144\"><div class=\"t m2 x19f h13c y1fa8 ff112 fs16 fc21 sc0 ls14 ws14\">Prosent<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x405 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3ea6 wbd h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3ea6 wbe h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3ea6 wbd h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3ea6 wbe h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3ea6 wbe h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3ea7 w2e0 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 ws14\">Kostnadsgrad</div><div class=\"t m2 x415 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x405 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">40,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3ea8 wbd h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">40,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">29,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3ea8 wbe h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">29,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">44,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3ea8 wbd h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">40,9<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">38,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3ea8 wbe h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">35,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3ea9 w2e1 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Innskuddsdekni<span class=\"_ _1\"></span>ng per 31. desember</div><div class=\"t m2 x416 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x405 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">64,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3eaa wbd h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">61,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">71,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3eaa wbe h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">74,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">88,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3eaa wbd h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">99,7<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">63,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3eaa wbe h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">66,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3eab w2e2 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Avkastning all<span class=\"_ _1\"></span>okert kapital</div><div class=\"t m2 x417 h137 y3e98 ff111 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x405 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">19,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3eac wbd h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">20,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">21,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3eac wbe h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">23,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">17,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3eac wbd h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">19,3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">15,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3eac wbe h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">17,5<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3ead w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ead w2e3 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Sum<span class=\"_ _5\"></span> driftsk<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der div<span class=\"_ _5\"></span>idert <span class=\"_ _5\"></span>p\u00e5 sum i<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea1 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea1 w2e4 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Innsk<span class=\"_ _5\"></span>udd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der divi<span class=\"_ _5\"></span>dert <span class=\"_ _5\"></span>p\u00e5 nett<span class=\"_ _5\"></span>o utl<span class=\"_ _5\"></span>\u00e5n til kun<span class=\"_ _5\"></span>der.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x410 y3eae w2e5 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Al<span class=\"_ _5\"></span>lokert ka<span class=\"_ _5\"></span>pital er<span class=\"_ _5\"></span> for s<span class=\"_ _5\"></span>egmen<span class=\"_ _5\"></span>tene be<span class=\"_ _5\"></span>regne<span class=\"_ _5\"></span>t p\u00e5 g<span class=\"_ _5\"></span>runnlag <span class=\"_ _5\"></span>av eks<span class=\"_ _5\"></span>ternt k<span class=\"_ _5\"></span>apitalk<span class=\"_ _5\"></span>rav (B<span class=\"_ _5\"></span>asel II<span class=\"_ _5\"></span>I/Solv<span class=\"_ _5\"></span>ency II<span class=\"_ _5\"></span>) til vi<span class=\"_ _5\"></span>rksomh<span class=\"_ _5\"></span>eten<span class=\"_ _5\"></span>. For</span> <span class=\"lsab wscd\">kons<span class=\"_ _5\"></span>ernet<span class=\"_ _5\"></span> er regn<span class=\"_ _5\"></span>skapsf<span class=\"_ _5\"></span>\u00f8rt<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y3e64 w2e6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">kapitalav<span class=\"_ _5\"></span>kast<span class=\"_ _5\"></span>ning b<span class=\"_ _5\"></span>enyttet<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table></div><div class=\"c wbc h144 gsd6\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wbd h144 gsd7\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOperatingSegmentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-460": {
   "value": "Note K3 Segmenter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>l styring i DNB er orientert mot de ulike kundesegmentene. Oppf\u00f8lging av det totale kundef<span class=\"_ _5\"></span>orholdet og l\u00f8nnsomhet i k<span class=\"wscf\">undesegmentene </span>er viktige dimensjoner ved strat<span class=\"_ _5\"></span>egiske prioriteringer og allok<span class=\"_ _5\"></span>ering av ressursene. Rapporterte tall f<span class=\"_ _5\"></span>or de <span class=\"_ _1\"></span>ulik<span class=\"_ _5\"></span>e seg<span class=\"wsd2\">mentene reflekt<span class=\"_ _5\"></span>erer konsernets </span>samlede salg av produkter og tjenest<span class=\"_ _5\"></span>er til de relevante kundesegmentene.<span class=\"ls0 ws0\"> </span>Alle konsernets kunderett<span class=\"_ _5\"></span>ede aktiviteter er fordelt til driftss<span class=\"_ _5\"></span>egmentene med tilh\u00f8rende balanseposter, inntekt<span class=\"_ _5\"></span>er og kostnader<span class=\"lsbc ws103\">. <span class=\"ls0 ws0\"> </span></span>Over<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller undersk<span class=\"_ _5\"></span>uddslikviditet fra driftss<span class=\"_ _5\"></span>egmentene plasseres i eller l\u00e5nes fra konsernets likviditets<span class=\"_ _5\"></span>funksjon til markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>betingelser, hvor </span>rentevilk\u00e5rene er til<span class=\"_ _5\"></span>passet bindingstiden og konsernets finansieringss<span class=\"_ _5\"></span>ituasjon.<span class=\"ls0 ws0\"> </span>N\u00e5r driftssegment<span class=\"_ _5\"></span>ene samarbeider om levering av finansielle tjenester til kunder, pris<span class=\"_ _5\"></span>es de interne leveransene til markedsvi<span class=\"lsbe ws10b\">lk<span class=\"_ _5\"></span>\u00e5r. <span class=\"ls0 ws0\"> </span></span>Tjenest<span class=\"_ _5\"></span>er levert fra fellesfunksjoner og staber belastes driftssegm<span class=\"_ _5\"></span>entene basert p\u00e5 leveranseavtaler. Felleskostnader som er <span class=\"lsbc ws10c\">indire<span class=\"_ _1\"></span>kte knyt<span class=\"_ _1\"></span>tet til </span>driftss<span class=\"_ _5\"></span>egmentenes virksomhet, belastes de ulik<span class=\"_ _5\"></span>e driftssegmentene p\u00e5 bakgrunn av fordelingsn\u00f8kler. <span class=\"ls0 ws0\"> </span>En del sentrale funksjoner og resultat av v<span class=\"_ _5\"></span>irksomhet som ikke er knyttet til driftssegmentene strategis<span class=\"_ _5\"></span>ke oppgaver, er regnsk<span class=\"lsbd\">a<span class=\"_ _5\"></span>ps<span class=\"_ _5\"></span>mess<span class=\"_ _5\"></span>i<span class=\"_ _5\"></span>g s<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>le<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> </span>\u00d8vrig virksomhet. Dette omfatt<span class=\"_ _5\"></span>er inntekter og kostnader ved konsernets likv<span class=\"_ _5\"></span>iditetsstyring, inntekt<span class=\"_ _5\"></span>er fra posisjonering i egenkapitalinst<span class=\"_ _5\"></span>rumenter utenom handelsportef<span class=\"_ _5\"></span>\u00f8ljen og renteinntekt<span class=\"_ _5\"></span>er tilordnet konsernets uallokerte kapital, eierrelatert<span class=\"_ _5\"></span>e kostnader og forvaltningsr<span class=\"_ _5\"></span>esultatet fra bankens eiendomsport<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span>Resultat fra overt<span class=\"_ _5\"></span>att virksomhet som er fullt konsolidert i DNB<span class=\"ls0 ws0\">-</span>konsernet,<span class=\"_ _5\"></span> er presentert netto p\u00e5 linjen \u00abResultat overtatt virksom<span class=\"_ _5\"></span>het\u00bb i den interne rapporteringen av<span class=\"_ _5\"></span> segmentene. Effekten av konsolideringen av overtatt virks<span class=\"_ _5\"></span>omhet er presentert i \u00d8vrig vir<span class=\"wscf\">ksomhet.<span class=\"_ _1c5\"> </span></span>DNB har f\u00f8lgende driftssegm<span class=\"_ _5\"></span>enter: Personkunder, Bedriftsk<span class=\"_ _5\"></span>under Norge, Store bedrifter og internasjonale kunder, Risk<span class=\"_ _5\"></span> management og Tradisjonel<span class=\"_ _5\"></span>le pensjonsprodukter. Segmentene Risk management og Tradis<span class=\"_ _5\"></span>jonelle pensjonsprodukter er inkl<span class=\"_ _5\"></span>udert i \u00d8vrig virksomhe<span class=\"lsc2 ws10d\">t.<span class=\"_ _5\"></span> DNB<span class=\"_ _5\"></span>s </span>andel av overskuddet i tilknytt<span class=\"_ _5\"></span>ede selskaper (prim\u00e6rt Luminor, Vipps og Fremtind) er ogs\u00e5 inkludert i \u00d8vrig virksom<span class=\"_ _5\"></span>het. <span class=\"ls0 ws0\"> </span>Personkunder<span class=\"lsc1 ws10e\"> - <span class=\"_ _117\"></span><span class=\"lsaf wsf6\">omfatter konsernets samlede tilbud av<span class=\"_ _5\"></span> produkter og tjenester til personmarkedet i alle kanaler, b\u00e5de elek<span class=\"_ _5\"></span>troniske og </span></span>fysisk<span class=\"_ _5\"></span>e med unntak av boligl\u00e5n i Tradisjonelle pensjonsprodukter hvor avkastningen til<span class=\"_ _5\"></span>faller forsikri<span class=\"_ _5\"></span>ngstakerne. DNB tilbyr et bredt<span class=\"_ _5\"></span> spek<span class=\"wsf6\">ter av produkter gjennom Norges st\u00f8rste dist<span class=\"_ _5\"></span>ribusjonsnett, som omfatter mobil<span class=\"_ _5\"></span>bank, nettbank, bankkontorer, </span>kundesent<span class=\"_ _5\"></span>re og eiendomsmegling. <span class=\"ls0 ws0\"> </span>Bedriftskunder Norge<span class=\"ls0 ws0\"> </span>  <span class=\"_ _c9\"> </span><span class=\"lsc1 ws111\">- o<span class=\"lsaf wscf\">mf<span class=\"_ _5\"></span>atter <span class=\"wsf6\">salg av produkter til og r\u00e5dgivni<span class=\"_ _5\"></span>ngstjenester for sm\u00e5 og mellomstore bedrift<span class=\"_ _5\"></span>er i Norge, samt alle kunder innenfor </span></span></span>industrisegm<span class=\"_ _5\"></span>entet n\u00e6ringseiendom.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>DNBs betjening av kundene i segmentet er basert p\u00e5 bransjekunnskap og kompetanse om finansi<span class=\"_ _5\"></span>eringsprodukter. Produkttil<span class=\"_ _5\"></span>budet er tilpasset kundenes ulike behov. Kundene betjenes gjennom kontorer i Norge, og kundene tilbys i till<span class=\"_ _5\"></span>egg nettbank, mobilbank og an<span class=\"wsd2\">dre digital<span class=\"_ _5\"></span>e tjenester.<span class=\"_ _5\"></span><span class=\"ls0 ws112\">  </span></span>Store bedrifter og internas<span class=\"_ _5\"></span>jonale kunder<span class=\"ls0 ws0\"> </span>- <span class=\"_ _167\"> </span><span class=\"lsaf wsf6\">omfatter store norsk<span class=\"_ _5\"></span>e og internasjonale bedriftskunder<span class=\"ls0 ws0\"> </span>i all<span class=\"_ _5\"></span>e industrisegmenter un<span class=\"ls0 ws0\">n</span>tatt n\u00e6ringseiendom.<span class=\"_ _5\"></span> DNBs betjening </span>av kundesegmentet er basert p\u00e5 bred og dyp bransjeinnsikt<span class=\"_ _5\"></span> og langsiktige kunderelasjoner. Produkt<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- <span class=\"lsbd ws104\">og </span></span>r\u00e5dgivnings<span class=\"_ _5\"></span>tilbudet er tilpasset kundenes ulike behov og dekker de fleste bank<span class=\"lsc1 wsce\">- </span>og finanst<span class=\"_ _5\"></span>jenester. Kundene betjenes gjennom kontorer i b\u00e5de Norge og utlandet. I till<span class=\"_ _5\"></span>egg tilbys kundene nettbank, mobilbank og andre digitale tjenester.<span class=\"ls0 ws0\"> </span>Resultat<span class=\"_ _5\"></span>regnskap og balanseoppstilling for segmentene er basert p\u00e5 en sammenstilli<span class=\"_ _5\"></span>ng av intern finansiell rapportering for den funksjonelle organiseringen av<span class=\"_ _5\"></span> DNB<span class=\"ls0 ws0\">-</span>konsernet i segmenter, slik den rapporteres til konsernledel<span class=\"_ _5\"></span>sen (\u00f8verste beslutningstaker),<span class=\"_ _5\"></span> for \u00e5 vurdere utvikling og allokere ressurs<span class=\"_ _5\"></span>er. Tallene for segmentene er basert p\u00e5 konsernets regnskapsprins<span class=\"_ _5\"></span>ipper og DNBs styringsmodell. Allokering av kostnader og kapital mellom omr\u00e5dene by<span class=\"_ _5\"></span>gger p\u00e5 en rekke forutsetninger, estimater og skj\u00f8nnsmessige ford<span class=\"wsd2\">el<span class=\"_ _5\"></span>inger. DNB<span class=\"ls0 ws0\">-</span></span>konsernets vi<span class=\"_ _5\"></span>rksomhet utf\u00f8res i all hovedsak av norske selskaper. Andel av inntekter fra internas<span class=\"_ _5\"></span>jonale enheter utgjorde 24,2 prosent i 2025 og andel av utl\u00e5n utgj<span class=\"_ _5\"></span>orde 12,8 prosent ved utgangen av 2025.<span class=\"ls0 ws0\"> </span>DNB allokerer kapital til v<span class=\"_ _5\"></span>irksomheten beregnet p\u00e5 basis av konsernets rene kjernekapital og langsikt<span class=\"_ _5\"></span>ige kapitaliserings<span class=\"_ _5\"></span>ambisjon. Forsikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>virksom<span class=\"_ _5\"></span>heten er underlagt s\u00e6rskilte kapitaldekni<span class=\"_ _5\"></span>ngsregler, og allokert kapital tilsvarer regnsk<span class=\"_ _5\"></span>apsf\u00f8rt egenkapit<span class=\"wsd2\">al i s<span class=\"_ _5\"></span>el</span>skapene. Grunnlaget for allokering <span class=\"_ _5\"></span>av kapit<span class=\"_ _5\"></span>al til \u00f8vrig v<span class=\"_ _5\"></span>irksomhet <span class=\"_ _5\"></span>i konsernet er <span class=\"_ _5\"></span>en tiln\u00e6rming t<span class=\"_ _5\"></span>il Bas<span class=\"_ _5\"></span>el III, med k<span class=\"_ _5\"></span>apitalkrav relat<span class=\"_ _5\"></span>ert til kredi<span class=\"_ _5\"></span>ttrisiko, mark<span class=\"_ _5\"></span>edsrisiko, operasjonell risi<span class=\"_ _5\"></span>ko og goodwill. For allokering av kredittrisik<span class=\"_ _5\"></span>o er konsernets interne m\u00e5ling av risikojustert<span class=\"_ _5\"></span> kapitalbehov for kreditt benytt<span class=\"_ _5\"></span>et. Kapital<span class=\"wsf6\">behov f<span class=\"_ _5\"></span>or markedsrisiko er fordelt direkte i henhold til risikovekt<span class=\"_ _5\"></span>et beregningsgrunnlag, og operasjonel<span class=\"_ _5\"></span>l risiko er fordelt i<span class=\"ls0 ws0\"> </span>forhold til </span>omr\u00e5denes totale i<span class=\"_ _5\"></span>nntekter.<table class=\"s w2d4 h4b0\" id=\"_d9a4b228-f167-4ba3-8c2b-92728edce95c\"><tr><td class=\"c x400 y3e76 wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff110 fs55 fc21 sc0 lsaf wscf\">Resultatregnskap<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x401 y3e76 wbf h139\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Store bedrifter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x402 y3e77 wc0 hd7\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Bedriftskunde<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3e77 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">og internationale<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x403 y3e77 wc0 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\">\u00d8vrig</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x404 y3e77 wc1 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\"></span><span class=\"lsb5\">DNB</span><span class=\"ws0\">-</span><span class=\"ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x405 y3e78 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Personkunder<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x402 y3e78 wc0 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Norge<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3e78 wbf hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">kunder<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x403 y3e78 wc0 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ws0\">virksomhet </span></div></td><td class=\"c x406 y3e78 wbf hd7\"><div class=\"t m2 x266 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">    <span class=\"lsb5\">Elimineringer</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e78 wc1 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">konsernet<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td></tr><tr><td class=\"c x400 y3e79 wbb h13b\"><div class=\"t m2 x19f h13c y1fa8 ff112 fs16 fc21 sc0 ls14 wsfa\">Bel\u00f8p i millioner k<span class=\"_ _1\"></span>roner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e79 wbd h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e79 wbe h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e79 wbd h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e79 wbe h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e79 wbd h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e79 wbc h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e79 wbe h13b\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7a wbb h13d\"><div class=\"t m2 x19f h125 y1fae ff111 fs16 fc21 sc0 ls14 wsfa\">Netto renteinntekt<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>545<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7a wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>152<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>565<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e7a wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>413<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7a wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span>602<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e7a wbc h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">208</span> </div></td><td class=\"c x40a y3e7a wbe h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">001</span> </div></td><td></td><td></td><td class=\"c x404 y3e7a wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7a wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7b wbb h13e\"><div class=\"t m2 x19f h125 y1fb0 ff111 fs16 fc21 sc0 ls14 wsfa\">Netto andre driftsi<span class=\"_ _1\"></span>nntekter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7b wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">767</span> </div></td><td class=\"c x407 y3e7b wbd h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">967</span> </div></td><td class=\"c x402 y3e7b wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">154</span> </div></td><td class=\"c x408 y3e7b wbe h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">014</span> </div></td><td class=\"c x401 y3e7b wbc h13e\"><div class=\"t m2 x28d h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">10<span class=\"ls0 ws0\"> </span>992<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7b wbd h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">520</span> </div></td><td class=\"c x403 y3e7b wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">944</span> </div></td><td class=\"c x40a y3e7b wbe h13e\"><div class=\"t m2 x28c h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">644</span> </div></td><td class=\"c x406 y3e7b wbc h13e\"><div class=\"t m2 x28b h125 y1fb0 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">940</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e7b wbd h13e\"><div class=\"t m2 x210 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(798)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e7b wbc h13e\"><div class=\"t m2 x28d h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">25<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7b wbe h13e\"><div class=\"t m2 x28d h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>347<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7c wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum inntekte<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">30<span class=\"ls0 ws0\"> </span>312<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7c wbd h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">28<span class=\"ls0 ws0\"> </span>118<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span>718<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e7c wbe h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">30<span class=\"ls0 ws0\"> </span>405<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7c wbd h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">27<span class=\"ls0 ws0\"> </span>122<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e7c wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">153</span> </div></td><td class=\"c x40a y3e7c wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">645</span> </div></td><td class=\"c x406 y3e7c wbc h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">940</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e7c wbd h13f\"><div class=\"t m2 x210 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">(798)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e7c wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">90<span class=\"ls0 ws0\"> </span>649<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7c wbe h13f\"><div class=\"t m2 x28d h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">86<span class=\"ls0 ws0\"> </span>537<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e7d wbb h13d\"><div class=\"t m2 x19f h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">Driftskostnade<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e7d wbc h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>854)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7d wbd h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>017)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7d wbc h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(6<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">132</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e7d wbe h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(5<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">825</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x401 y3e7d wbc h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>973)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e7d wbd h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(9<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">497</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x403 y3e7d wbc h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(2<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">707</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40a y3e7d wbe h13d\"><div class=\"t m2 x28b h125 y1de5 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">313</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x406 y3e7d wbc h13d\"><div class=\"t m2 x28c h125 y1de5 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">940</span> </div></td><td class=\"c x40b y3e7d wbd h13d\"><div class=\"t m2 x1e5 h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">798<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e7d wbc h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(30<span class=\"ls0 ws0\"> </span>726)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e7d wbe h13d\"><div class=\"t m2 x19a h125 y1de5 ff111 fs16 fc21 sc0 ls14 ws14\">(26<span class=\"ls0 ws0\"> </span>854)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y3e7e w73 h13a\"><div class=\"t m2 x1b8 h125 y1fb4 ff111 fs16 fc21 sc0 ls14 ws11b\">Avskrivninger og nedskrivni<span class=\"_ _1\"></span>nger<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3e7f wbb h140\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">  <span class=\"ls14 wsfa\">varige og immat<span class=\"_ _1\"></span>erielle eiendeler<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x405 y3e7f wbc h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(287)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e7f wbd h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(249)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e7f wbc h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(925)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e7f wbe h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(972)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e7f wbc h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">551</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x409 y3e7f wbd h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">594</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x403 y3e7f wbc h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(989)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e7f wbe h140\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(780)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e7f wbc h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">751</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40c y3e7f wbe h140\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">594</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td></tr><tr><td class=\"c x400 y3e80 wbb h141\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum driftskostn<span class=\"_ _1\"></span>ader<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e80 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(12<span class=\"ls0 ws0\"> </span>141)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e80 wbd h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e80 wbc h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(7<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">057</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e80 wbe h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(6<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">796</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x401 y3e80 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(13<span class=\"ls0 ws0\"> </span>524)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e80 wbd h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(11<span class=\"ls0 ws0\"> </span>091)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e80 wbc h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">693</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40a y3e80 wbe h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(2<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">093</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x406 y3e80 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">940</span> </div></td><td class=\"c x40b y3e80 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">798<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e80 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(34<span class=\"ls0 ws0\"> </span>476)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e80 wbe h141\"><div class=\"t m2 x19a h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(30<span class=\"ls0 ws0\"> </span>448)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e81 wbb h13d\"><div class=\"t m2 x19f h125 y1fae ff111 fs16 fc21 sc0 ls14 ws11b\">Driftsresultat f\u00f8r nedskrivni<span class=\"_ _1\"></span>nger og skatt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span>171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e81 wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>852<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>661<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e81 wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>653<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>881<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e81 wbd h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>031<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e81 wbc h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">459</span> </div></td><td class=\"c x40a y3e81 wbe h13d\"><div class=\"t m2 x28c h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">553</span> </div></td><td></td><td></td><td class=\"c x404 y3e81 wbc h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">56<span class=\"ls0 ws0\"> </span>173<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e81 wbe h13d\"><div class=\"t m2 x28d h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">56<span class=\"ls0 ws0\"> </span>089<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e82 wbb h13e\"><div class=\"t m2 x19f h125 y1fb0 ff111 fs16 fc21 sc0 ls14 wsfa\">Netto gevinste<span class=\"_ _1\"></span>r varige og immate<span class=\"_ _1\"></span>rielle eiendel<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e82 wbc h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e82 wbd h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e82 wbc h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x401 y3e82 wbc h13e\"><div class=\"t m2 x4f h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x409 y3e82 wbd h13e\"><div class=\"t m2 x4f h125 y1fb0 ff111 fs16 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x403 y3e82 wbc h13e\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">33<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e82 wbe h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e82 wbc h13e\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e82 wbe h13e\"><div class=\"t m2 x267 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">(2)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3e85 w2d5 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Nedskrivninge<span class=\"_ _1\"></span>r p\u00e5 finansielle inst<span class=\"_ _1\"></span>rumenter</div><div class=\"t m2 x40e h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e86 wbc h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(272)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e86 wbd h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(237)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e86 wbc h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">199</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e86 wbe h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(670)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e86 wbc h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">336</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x409 y3e86 wbd h142\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(303)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e86 wbc h142\"><div class=\"t m2 x4f h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 </div></td><td class=\"c x40a y3e86 wbe h142\"><div class=\"t m2 x4f h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td></td><td class=\"c x404 y3e86 wbc h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(2<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">803</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40c y3e86 wbe h142\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">209</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td></tr><tr><td class=\"c x400 y3e87 wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 ls14 wsfa\">Resultat overt<span class=\"_ _1\"></span>att virksomhet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e87 wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">47<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x408 y3e87 wbe h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e87 wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e87 wbd h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e87 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(62)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e87 wbe h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">27<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3e88 wbb h143\"><div class=\"t m2 x19f h125 y1fbe ff111 fs16 fc21 sc0 lsc7 ws22\">Driftsresultat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">17<span class=\"ls0 ws0\"> </span>946<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e88 wbd h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>612<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>457<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e88 wbe h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>959<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>561<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e88 wbd h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e88 wbc h143\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">434</span> </div></td><td class=\"c x40a y3e88 wbe h143\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">580</span> </div></td><td></td><td></td><td class=\"c x404 y3e88 wbc h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">53<span class=\"ls0 ws0\"> </span>398<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e88 wbe h143\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3e89 wbb h142\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">Skattekostnad<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(4<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">486</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x407 y3e89 wbd h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(4<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">153</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x402 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">864</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x408 y3e89 wbe h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">990</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x401 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">890</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x409 y3e89 wbd h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(3<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">932</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x403 y3e89 wbc h142\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">347</span> </div></td><td class=\"c x40a y3e89 wbe h142\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">000</span> </div></td><td></td><td></td><td class=\"c x404 y3e89 wbc h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(9<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">894</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40c y3e89 wbe h142\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(9<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">074</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td></tr><tr><td class=\"c x400 y3e8a wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 ls14 wsfa\">Resultat virksom<span class=\"_ _1\"></span>het holdt for s<span class=\"_ _1\"></span>alg, etter skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x403 y3e8a wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">82<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e8a wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">0 </div></td><td></td><td></td><td class=\"c x404 y3e8a wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">82<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e8a wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x400 y3e8b wbb h13f\"><div class=\"t m2 x19f h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws11b\">Resultat for regnskaps\u00e5re<span class=\"_ _1\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">13<span class=\"ls0 ws0\"> </span>459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e8b wbd h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">12<span class=\"ls0 ws0\"> </span>459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>593<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e8b wbe h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>969<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>671<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e8b wbd h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>796<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e8b wbc h13f\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">864</span> </div></td><td class=\"c x40a y3e8b wbe h13f\"><div class=\"t m2 x28c h125 y1fbe ff111 fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">581</span> </div></td><td></td><td></td><td class=\"c x404 y3e8b wbc h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">43<span class=\"ls0 ws0\"> </span>586<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e8b wbe h13f\"><div class=\"t m2 x28d h125 y1fbe ff111 fs16 fc21 sc0 ls14 ws14\">45<span class=\"ls0 ws0\"> </span>804<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff112 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w2d7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff112 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Se no<span class=\"_ _5\"></span>te K11 U<span class=\"_ _5\"></span>tvikl<span class=\"_ _5\"></span>ing i <span class=\"_ _5\"></span>akkumul<span class=\"_ _5\"></span>erte <span class=\"_ _5\"></span>nedskriv<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>ger av fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>elle i<span class=\"_ _5\"></span>nstrumen<span class=\"_ _5\"></span>ter for <span class=\"_ _5\"></span>analys<span class=\"_ _5\"></span>e av br<span class=\"_ _5\"></span>uttoe<span class=\"_ _5\"></span>ndring<span class=\"_ _5\"></span> i nedsk<span class=\"_ _5\"></span>rivni<span class=\"_ _5\"></span>ngene</span> <span class=\"lsab wscd\">fo<span class=\"_ _5\"></span>r kons<span class=\"_ _5\"></span>ernet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w2d8 h4b3\" id=\"_f76c98af-d9a0-41a9-a19d-b131df1199d7\"><tr><td class=\"c x400 y3e8d wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff110 fs55 fc21 sc0 lsaf wscf\">Balanser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x401 y3e8d wbf h139\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Store bedrifter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x402 y3e8e wc0 hd7\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Bedriftskunde<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x401 y3e8e wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">og internationale<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x403 y3e8e wc0 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\">\u00d8vrig</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x404 y3e8e wc1 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\"></span><span class=\"lsb5\">DNB</span><span class=\"ws0\">-</span><span class=\"ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x405 y3e8f wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Personkunder<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x402 y3e8f wc0 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Norge<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x401 y3e8f wbf hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">kunder<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x403 y3e8f wc0 hd7\" colspan=\"2\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ws0\">virksomhet </span></div></td><td></td><td class=\"c x406 y3e8f wbf hd7\"><div class=\"t m2 x28d h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">    <span class=\"lsb5\">Elimineringer</span><span class=\"ws0\"> </span></div></td><td class=\"c x404 y3e8f wc1 hd7\" colspan=\"2\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">konsernet<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td></tr><tr><td class=\"c x400 y3e90 wbb h144\"><div class=\"t m2 x19f h13c y1fb0 ff112 fs16 fc21 sc0 lsb5 ws27\">Bel\u00f8p i milliar<span class=\"_ _5\"></span>der kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e90 wbd h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e90 wbe h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e90 wbd h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e90 wbe h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e90 wbd h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e90 wbc h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e90 wbe h144\"><div class=\"t m2 x28b he2 y1fca ff111 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3e91 w2d9 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Netto utl\u00e5n til ku<span class=\"_ _1\"></span>nder</div><div class=\"t m2 x411 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">979<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e92 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">958<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">575<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e92 wbe h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">533<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">523<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e92 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">506<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e92 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">333<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e92 wbe h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">262<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e92 wbc h141\"><div class=\"t m2 x267 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e92 wbd h141\"><div class=\"t m2 x267 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">(8)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e92 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">403</span> </div></td><td class=\"c x40c y3e92 wbe h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">252</span> </div></td></tr><tr><td class=\"c x400 y3e93 wbb h142\"><div class=\"t m2 x19f h125 y1fae ff111 fs16 fc21 sc0 ls14 wsfa\">Eiendeler holdt<span class=\"_ _1\"></span> for salg<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x403 y3e93 wbc h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x40a y3e93 wbe h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x406 y3e93 wbc h142\"><div class=\"t m2 x267 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e93 wbd h142\"><div class=\"t m2 x267 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e93 wbc h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x40c y3e93 wbe h142\"><div class=\"t m2 x4f h125 y1fae ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x400 y3e94 wbb h13e\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Andre eiendeler<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e94 wbc h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">59<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e94 wbd h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">56<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e94 wbc h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">99<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e94 wbe h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">84<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e94 wbc h13e\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">283<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e94 wbd h13e\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">256<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e94 wbc h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">092</span> </div></td><td class=\"c x40a y3e94 wbe h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">168</span> </div></td><td class=\"c x406 y3e94 wbc h13e\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">243</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e94 wbd h13e\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">202</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e94 wbc h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">290</span> </div></td><td class=\"c x40c y3e94 wbe h13e\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">361</span> </div></td></tr><tr><td class=\"c x400 y3e95 wbb h13f\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum eiendeler<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e95 wbc h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">037</span> </div></td><td class=\"c x407 y3e95 wbd h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">014</span> </div></td><td class=\"c x402 y3e95 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">674<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e95 wbe h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">617<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e95 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">806<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e95 wbd h13f\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">762<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e95 wbc h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">427</span> </div></td><td class=\"c x40a y3e95 wbe h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">432</span> </div></td><td class=\"c x406 y3e95 wbc h13f\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e95 wbd h13f\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e95 wbc h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">695</span> </div></td><td class=\"c x40c y3e95 wbe h13f\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">614</span> </div></td></tr><tr><td class=\"c x400 y3e96 wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 lsb5 ws27\">Midler til forvalt<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e96 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">680<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e96 wbd h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e96 wbc h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">58<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e96 wbe h142\"><div class=\"t m2 x1bc h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">48<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e96 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">928<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e96 wbd h142\"><div class=\"t m2 x1e5 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">790<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x40a y3e96 wbe h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e96 wbc h142\"><div class=\"t m2 x28c h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">667</span> </div></td><td class=\"c x40c y3e96 wbe h142\"><div class=\"t m2 x28c h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">140</span> </div></td></tr><tr><td class=\"c x400 y3e97 wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum forvaltede mi<span class=\"_ _1\"></span>dler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">718</span> </div></td><td class=\"c x407 y3e97 wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">316</span> </div></td><td class=\"c x402 y3e97 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">732<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e97 wbe h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">665<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">735</span> </div></td><td class=\"c x409 y3e97 wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">552</span> </div></td><td class=\"c x403 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">427</span> </div></td><td class=\"c x40a y3e97 wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">432</span> </div></td><td class=\"c x406 y3e97 wbc h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e97 wbd h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e97 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">362</span> </div></td><td class=\"c x40c y3e97 wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">754</span> </div></td></tr><tr><td class=\"c x40f y3e99 w2da h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Innskudd fra kund<span class=\"_ _1\"></span>er</div><div class=\"t m2 x412 h137 y3e98 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">628<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9a wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">585<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">410<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9a wbe h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">395<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">461<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9a wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">505<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9a wbc h13f\"><div class=\"t m2 x1bc h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">37<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e9a wbe h13f\"><div class=\"t m2 x1bc h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3e9a wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e9a wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e9a wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">522</span> </div></td><td class=\"c x40c y3e9a wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">488</span> </div></td></tr><tr><td class=\"c x400 y3e9b wbb h142\"><div class=\"t m2 x19f h125 y1fbc ff111 fs16 fc21 sc0 ls14 wsfa\">Forpliktelser hol<span class=\"_ _1\"></span>dt for salg<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x403 y3e9b wbc h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x40a y3e9b wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x406 y3e9b wbc h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40b y3e9b wbd h142\"><div class=\"t m2 x267 h125 y1fbc ff111 fs16 fc21 sc0 ls14 ws14\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3e9b wbc h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x40c y3e9b wbe h142\"><div class=\"t m2 x4f h125 y1fbc ff111 fs16 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x400 y3e9c wbb h13e\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Annen gjeld<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e9c wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9c wbd h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">367<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9c wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">209<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9c wbe h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">168<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9c wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">279<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9c wbd h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">194<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9c wbc h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">288</span> </div></td><td class=\"c x40a y3e9c wbe h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">313</span> </div></td><td class=\"c x406 y3e9c wbc h13e\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">236</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e9c wbd h13e\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">200</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e9c wbc h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">877</span> </div></td><td class=\"c x40c y3e9c wbe h13e\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">842</span> </div></td></tr><tr><td class=\"c x400 y3e9d wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum gjeld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3e9d wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">964<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9d wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">951<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9d wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">619<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9d wbe h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">562<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9d wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">740<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9d wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb2 ff111 fs16 fc21 sc0 ls14 ws14\">699<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9d wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">326</span> </div></td><td class=\"c x40a y3e9d wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">329</span> </div></td><td class=\"c x406 y3e9d wbc h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3e9d wbd h13f\"><div class=\"t m2 x28b h125 y1fb2 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3e9d wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">399</span> </div></td><td class=\"c x40c y3e9d wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">331</span> </div></td></tr><tr><td class=\"c x40f y3e9e w2db h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Allokert kapital</div><div class=\"t m2 x413 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x405 y3e9f wbc h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">73<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3e9f wbd h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">63<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3e9f wbc h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">55<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3e9f wbe h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">55<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3e9f wbc h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">66<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3e9f wbd h145\"><div class=\"t m2 x1bc h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">63<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3e9f wbc h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">101<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3e9f wbe h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">103<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3e9f wbc h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">296<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3e9f wbe h145\"><div class=\"t m2 x1e5 h125 y1fb0 ff111 fs16 fc21 sc0 ls14 ws14\">283<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ea0 wbb h141\"><div class=\"t m2 x19f h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Sum gjeld og egenk<span class=\"_ _1\"></span>apital<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x405 y3ea0 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">037</span> </div></td><td class=\"c x407 y3ea0 wbd h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">014</span> </div></td><td class=\"c x402 y3ea0 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">674<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3ea0 wbe h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">617<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3ea0 wbc h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">806<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3ea0 wbd h141\"><div class=\"t m2 x1e5 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">762<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3ea0 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">427</span> </div></td><td class=\"c x40a y3ea0 wbe h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">432</span> </div></td><td class=\"c x406 y3ea0 wbc h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">250</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x40b y3ea0 wbd h141\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 lsc6 ws11a\">(1<span class=\"ls0 ws0\"> <span class=\"ls14 ws14\">211</span></span><span class=\"ls0 ws0\"><span class=\"ls14 ws14\">)</span> </span></div></td><td class=\"c x404 y3ea0 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">695</span> </div></td><td class=\"c x40c y3ea0 wbe h141\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">614</span> </div></td></tr><tr><td class=\"c x3f6 y3ea1 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea1 w2dc h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n <span class=\"_ _5\"></span>til ku<span class=\"_ _5\"></span>nder i<span class=\"_ _5\"></span>nklude<span class=\"_ _5\"></span>rer p<span class=\"_ _5\"></span>\u00e5l\u00f8pte re<span class=\"_ _5\"></span>nter, n<span class=\"_ _5\"></span>edskriv<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span>er og ve<span class=\"_ _5\"></span>rdiju<span class=\"_ _5\"></span>stering<span class=\"_ _5\"></span>er. Til<span class=\"_ _5\"></span>svaren<span class=\"_ _5\"></span>de inklu<span class=\"_ _5\"></span>derer<span class=\"_ _5\"></span> innsku<span class=\"_ _5\"></span>dd fra<span class=\"_ _5\"></span> kund<span class=\"_ _5\"></span>er p\u00e5<span class=\"wsd0\">l<span class=\"_ _5\"></span>\u00f8pte rente<span class=\"_ _5\"></span>r.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea2 w2dd h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Al<span class=\"_ _5\"></span>lokert ka<span class=\"_ _5\"></span>pital er<span class=\"_ _5\"></span> for s<span class=\"_ _5\"></span>egmen<span class=\"_ _5\"></span>tene be<span class=\"_ _5\"></span>regne<span class=\"_ _5\"></span>t p\u00e5 g<span class=\"_ _5\"></span>runnlag <span class=\"_ _5\"></span>av eks<span class=\"_ _5\"></span>ternt k<span class=\"_ _5\"></span>apitalk<span class=\"_ _5\"></span>rav (B<span class=\"_ _5\"></span>asel II<span class=\"_ _5\"></span>I/Solv<span class=\"_ _5\"></span>ency II<span class=\"_ _5\"></span>) til vi<span class=\"_ _5\"></span>rksomh<span class=\"_ _5\"></span>eten<span class=\"_ _5\"></span>. Allokert k<span class=\"_ _5\"></span>apit<span class=\"_ _5\"></span>al tilsv<span class=\"_ _5\"></span>arer en<span class=\"_ _5\"></span> ren<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x414 y3e64 w2de h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">kjernek<span class=\"_ _5\"></span>apital<span class=\"_ _5\"></span>deknin<span class=\"_ _5\"></span>g p\u00e5 17,<span class=\"_ _5\"></span>5 pros<span class=\"_ _5\"></span>ent i <span class=\"_ _5\"></span>2025 o<span class=\"_ _5\"></span>g 2024.<span class=\"_ _5\"></span> Allok<span class=\"_ _5\"></span>ert kapi<span class=\"_ _5\"></span>tal f<span class=\"_ _5\"></span>or kons<span class=\"_ _5\"></span>ernet <span class=\"_ _5\"></span>er bokf<span class=\"_ _5\"></span>\u00f8rt ege<span class=\"_ _5\"></span>n<span class=\"wscb\">kapital<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w2df h4b5\" id=\"_5fdf26d8-dbfa-490b-9e04-d761da947cc5\"><tr><td class=\"c x400 y3ea3 wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff110 fs55 fc21 sc0 lsaf wscf\">N\u00f8kkeltall<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x401 y3ea3 wbf h139\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">Store bedrifter<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x402 y3ea4 wc0 hd7\"><div class=\"t m2 xda h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Bedriftskunde<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3ea4 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls14 wsfa\">og internationale<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3ea4 wc0 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\">\u00d8vrig</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3ea4 wc1 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"lsb5\"></span><span class=\"lsb5\">DNB</span><span class=\"ws0\">-</span><span class=\"ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x405 y3ea5 wbf hd7\"><div class=\"t m2 x28b h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Personkunder<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x402 y3ea5 wc0 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">Norge<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x401 y3ea5 wbf hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">kunder<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x403 y3ea5 wc0 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ws0\">virksomhet </span></div></td><td class=\"c x406 y3ea5 wbf hd7\"><div class=\"t m2 x28d h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">    <span class=\"lsb5\">Elimineringer</span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x404 y3ea5 wc1 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff111 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">konsernet<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td></tr><tr><td class=\"c x400 y3ea6 wbb h144\"><div class=\"t m2 x19f h13c y1fa8 ff112 fs16 fc21 sc0 ls14 ws14\">Prosent<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x405 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3ea6 wbd h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3ea6 wbe h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3ea6 wbd h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3ea6 wbe h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x406 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3ea6 wbc h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3ea6 wbe h144\"><div class=\"t m2 x163 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3ea7 w2e0 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 ws14\">Kostnadsgrad</div><div class=\"t m2 x415 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x405 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">40,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3ea8 wbd h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">40,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">29,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3ea8 wbe h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">29,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">44,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3ea8 wbd h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">40,9<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3ea8 wbc h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">38,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3ea8 wbe h141\"><div class=\"t m2 x242 h125 y1fae ff111 fs16 fc21 sc0 ls14 ws14\">35,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3ea9 w2e1 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Innskuddsdekni<span class=\"_ _1\"></span>ng per 31. desember</div><div class=\"t m2 x416 h137 y3e84 ff111 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x405 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">64,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3eaa wbd h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">61,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">71,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3eaa wbe h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">74,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">88,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3eaa wbd h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">99,7<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3eaa wbc h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">63,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3eaa wbe h13e\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">66,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3eab w2e2 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff111 fs16 fc21 sc0 ls14 wsfa\">Avkastning all<span class=\"_ _1\"></span>okert kapital</div><div class=\"t m2 x417 h137 y3e98 ff111 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x405 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">19,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y3eac wbd h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">20,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">21,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x408 y3eac wbe h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">23,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">17,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x409 y3eac wbd h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">19,3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x404 y3eac wbc h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">15,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40c y3eac wbe h142\"><div class=\"t m2 x242 h125 y1fa8 ff111 fs16 fc21 sc0 ls14 ws14\">17,5<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3ead w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ead w2e3 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Sum<span class=\"_ _5\"></span> driftsk<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der div<span class=\"_ _5\"></span>idert <span class=\"_ _5\"></span>p\u00e5 sum i<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea1 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea1 w2e4 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">Innsk<span class=\"_ _5\"></span>udd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der divi<span class=\"_ _5\"></span>dert <span class=\"_ _5\"></span>p\u00e5 nett<span class=\"_ _5\"></span>o utl<span class=\"_ _5\"></span>\u00e5n til kun<span class=\"_ _5\"></span>der.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x410 y3eae w2e5 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Al<span class=\"_ _5\"></span>lokert ka<span class=\"_ _5\"></span>pital er<span class=\"_ _5\"></span> for s<span class=\"_ _5\"></span>egmen<span class=\"_ _5\"></span>tene be<span class=\"_ _5\"></span>regne<span class=\"_ _5\"></span>t p\u00e5 g<span class=\"_ _5\"></span>runnlag <span class=\"_ _5\"></span>av eks<span class=\"_ _5\"></span>ternt k<span class=\"_ _5\"></span>apitalk<span class=\"_ _5\"></span>rav (B<span class=\"_ _5\"></span>asel II<span class=\"_ _5\"></span>I/Solv<span class=\"_ _5\"></span>ency II<span class=\"_ _5\"></span>) til vi<span class=\"_ _5\"></span>rksomh<span class=\"_ _5\"></span>eten<span class=\"_ _5\"></span>. For</span> <span class=\"lsab wscd\">kons<span class=\"_ _5\"></span>ernet<span class=\"_ _5\"></span> er regn<span class=\"_ _5\"></span>skapsf<span class=\"_ _5\"></span>\u00f8rt<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y3e64 w2e6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff112 fs53 fc21 sc0 lsab wscd\">kapitalav<span class=\"_ _5\"></span>kast<span class=\"_ _5\"></span>ning b<span class=\"_ _5\"></span>enyttet<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table>2025<span class=\"ls0 ws0\"> </span>2024<span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-399": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K4 K<span class=\"_ _2\"></span>apitalstyring og kapitaldekning<span class=\"_ _1c5\"> </span></div>Kapitaldekni<span class=\"_ _5\"></span>ngen er beregnet og rapportert i henhold til EUs kapitaldekningsregelv<span class=\"_ _5\"></span>erk for banker og verdipapirforetak (CRR/CR<span class=\"ls0 ws0\">D<span class=\"lsc1 wsce\">).<span class=\"_ _5\"></span> </span></span><span class=\"wscf\">Forordning </span>(EU) 2024/1623 (CRR3) ble innf\u00f8rt i Norge i <span class=\"wscf\">1.april<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>2025.<span class=\"ls0 ws0\"> </span></span>Forordningen gjennomf<span class=\"_ _5\"></span>\u00f8rer det meste av gjenst\u00e5ende Basel III<span class=\"ls0 ws0\">-</span>anbefalinger, borts<span class=\"_ _5\"></span>ett fra nye kapitalkrav for markeds<span class=\"_ _5\"></span>risiko (FRTB) som er utsatt til 2027.<span class=\"ls0 ws0\"> </span>Risikovekt<span class=\"_ _5\"></span>et beregningsgrunnlag (Risk Exposure Amount, REA) er et regulatorisk m<span class=\"_ _5\"></span>\u00e5l p\u00e5 konsernets eksponeringer mot ulike type<span class=\"lsc1 ws116\">r risik<span class=\"_ _5\"></span>o, </span>inkludert<span class=\"_ _5\"></span> kredittrisiko, motpartsrisiko,<span class=\"_ _5\"></span> markedsrisiko og operasjonell<span class=\"_ _5\"></span> risiko. Dette beregningsgrunnlaget brukes<span class=\"_ _5\"></span> til \u00e5 fastsette kapitalkravene som DNB m\u00e5 oppfylle. Minstekrav<span class=\"_ _5\"></span>et til total ansvarlig kapital er 8 prosent av beregningsgrunnlaget. REA<span class=\"_ _5\"></span> er <span class=\"_ _1\"></span>ogs\u00e5 grunnlag f<span class=\"_ _5\"></span>or beregningen av bevaringsbuff<span class=\"_ _5\"></span>er, systemrisikobuf<span class=\"_ _5\"></span>fer (O<span class=\"ls0 ws0\">-</span>SII<span class=\"_ _5\"></span>), buffer for s<span class=\"_ _5\"></span>ystemviktige foretak<span class=\"_ _5\"></span> og motsykl<span class=\"_ _5\"></span>isk k<span class=\"wscf\">apitalbuff<span class=\"_ _5\"></span>er. <span class=\"ls0 ws0\"> </span></span>Finanstilsy<span class=\"_ _5\"></span>net vurdere<span class=\"ls0 ws0\">r </span><span class=\"wsf6\">om det er behov for kapital for risikoforhold som ikk<span class=\"_ _5\"></span>e, eller bare delvis, er dekket av kapitalkravene i pilar 1. Dette </span>omtales som pilar 2<span class=\"ls0 ws0\">-<span class=\"lsbf ws107\">krav.<span class=\"_ _1\"></span> <span class=\"lsaf wsf6\">For DNB fastsettes pilar 2<span class=\"ls0 ws0\">-</span>k<span class=\"_ _5\"></span>ravet p\u00e5 \u00e5rlig basis av Finanstilsynet p\u00e5 grunnlag av en samlet vurdering av risiko og </span></span></span>kapital<span class=\"_ _5\"></span>behov (Supervisory Review and Evaluation Process, SREP). Pilar 2<span class=\"ls0 ws0\">-<span class=\"lsc1 ws116\">k<span class=\"_ _5\"></span>ravet for DNB er </span></span><span class=\"wscf\">1,7<span class=\"ls0 ws0\"> </span></span>prosent av beregningsgrunnlaget<span class=\"_ _5\"></span> ved utgangen av 2025 og m\u00e5 dekkes med minimum 56,25 prosent ren kjernekapital<span class=\"_ _5\"></span> (CET1) og minimum 75 prosent kjernekapital (Tier1).<span class=\"ls0 ws0\"> </span>Finanstilsy<span class=\"_ _5\"></span>nets forventer i tillegg at DNB holder en kapitalkravsmargin (Pi<span class=\"_ _5\"></span>llar 2 Guidance) i form av ren <span class=\"_ _1\"></span>kj<span class=\"_ _5\"></span>ernekapital p\u00e5 1 prosent av risiko<span class=\"wscf\">vektet </span>beregningsgrunnlag.<span class=\"_ _5\"></span> Ved utgangen av 202<span class=\"ls0 ws0\">5 </span>var det samlede regulatoriske kravet ti<span class=\"_ _5\"></span>l ren kjernekapitaldekning p\u00e5 1<span class=\"ls0 ws0\">5,3 </span><span class=\"wsd2\">prosent mens den </span>regulatoris<span class=\"_ _5\"></span>ke forventningen var p\u00e5 16,<span class=\"ls0 ws0\">3 </span>prosent (inkludert kapital<span class=\"_ _5\"></span>kravsmargin). Kravet vil variere p\u00e5 grunn av mot<span class=\"lsc5 ws10b\">sykli<span class=\"_ _5\"></span>sk buffe<span class=\"_ _5\"></span>r og system<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>risikobuff<span class=\"_ _5\"></span>er som bestemmes ut fra engasjementsst\u00f8rrelse per l<span class=\"_ _5\"></span>and o<span class=\"_ _1\"></span>g de gjeldende buffers<span class=\"_ _5\"></span>a<span class=\"wscf\">tsene.<span class=\"ls0 ws0\"> </span></span>Ved utgangen av 202<span class=\"ls0 ws0\">5 </span>hadde DNB<span class=\"ls0 ws0\">-</span>konsernet en ren kjernekapit<span class=\"_ _5\"></span>aldekning p\u00e5 1<span class=\"ls0 ws0\">7,9 </span><span class=\"wscf\">prosent </span>og en kapitaldekning p\u00e5 2<span class=\"ls0 ws0\">2,4 </span>prosent, mot hen<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>holdsvis 1<span class=\"ls0 ws0\">9,4 <span class=\"lsbd ws117\">o<span class=\"_ _5\"></span>g 2</span>3,8 </span>prosent ett \u00e5r tidligere. Risik<span class=\"_ _5\"></span>ovektet beregningsgrunnlag var 1 1<span class=\"ls0 ws0\">71 <span class=\"lsb9 wsff\">millia</span></span>rder kroner ved utgangen av 202<span class=\"ls0 ws0\">5<span class=\"lsc4\">, mot </span></span><span class=\"wscf\">1 <span class=\"ls0 ws0\">1</span>21<span class=\"ls0 ws0\"> </span></span>milli<span class=\"lsaf wsd2\">arder kroner \u00e5ret<span class=\"_ _5\"></span> f\u00f8r.<span class=\"ls0 ws0\"> </span></span>DNB Bank ASA hadde en ren kjernekapitaldekning p\u00e5 <span class=\"wscf\">20<span class=\"lsbc ws103\">,0<span class=\"ls0 ws0\"> p</span></span><span class=\"wsd2\">rosent ved s<span class=\"_ _5\"></span>lutten av <span class=\"_ _5\"></span>202<span class=\"ls0 ws0\">5<span class=\"lsbd ws117\">, m<span class=\"_ _5\"></span>ot </span></span></span>20<span class=\"ls0 ws0\">,6 </span></span>prosent i 20<span class=\"ls0 ws0\">24</span><span class=\"wsd2\">. Kapit<span class=\"_ _5\"></span>aldekningen ut<span class=\"_ _5\"></span>gjorde </span>25,4 <span class=\"lsaf wsf6\">prosent i <span class=\"wscf\">202</span></span>5 <span class=\"lsc4 ws118\">mot 2</span>6,4 <span class=\"lsaf wscf\">prosent <span class=\"wsf6\">i 202</span></span>4<span class=\"lsbc ws103\">. </span> DNB Boligkredit<span class=\"wsd2\">t<span class=\"_ _5\"></span> AS hadde </span>ved utgangen av 202<span class=\"ls0 ws0\">5 <span class=\"_ _5\"></span><span class=\"lsbd ws104\">en </span></span>ren k<span class=\"_ _5\"></span>jernekapitaldekning p\u00e5 <span class=\"wscf\">17<span class=\"ls0 ws0\">,1 </span></span>prosent og en <span class=\"ls0 ws0\">k</span>apitaldekning p\u00e5 <span class=\"ls0 ws0\">20</span>,6 prosent<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">mot 20,3 </span>og 22,6 i 2024.<span class=\"ls0 ws0\"> </span>Uvektet kjernekapit<span class=\"_ _5\"></span>alandel, eller \u00ableverage ratio\u00bb, ble etter den globale f<span class=\"_ _5\"></span>inanskrisen introdusert som et supplement til den <span class=\"lsbf wsff\">risiko<span class=\"_ _1\"></span>vekte<span class=\"_ _1\"></span>de  </span>kapital<span class=\"_ _5\"></span>beregningen<span class=\"lsbc ws103\">. </span>Kjernekapital<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">er kapitalst\u00f8<span class=\"_ _5\"></span>rrelsen<span class=\"ls0 ws0\"> </span>som benyttes i beregningen.<span class=\"ls0 ws0\"> </span></span>Beregni<span class=\"_ _5\"></span>ngs<span class=\"wsf6\">grunnlaget best\u00e5r av eiendeler, med tillegg av </span>poster utenom balansen, som omregnes m<span class=\"_ _5\"></span>ed konverteringsfaktorene fra standardm<span class=\"_ _5\"></span>etoden for risikovektet kapit<span class=\"_ _5\"></span>alberegning. I tillegg benyttes s\u00e6rskilt<span class=\"_ _5\"></span>e metoder for beregning av eksponeringsbel\u00f8p for de<span class=\"wsd2\">rivater og <span class=\"_ _5\"></span>add<span class=\"ls0 ws0\">-</span></span>on for gjenkj\u00f8psavt<span class=\"wscf\">al<span class=\"_ _5\"></span>er. <span class=\"ls0 ws0\"> </span></span>Ved utgangen av <span class=\"wscf\">202<span class=\"ls0 ws0\">5 </span></span>var uvektet kjernekapi<span class=\"_ _5\"></span>talandel for DNB<span class=\"ls0 ws0\">-</span>konsernet 6,<span class=\"ls0 ws0\">6 </span><span class=\"wscf\">prosent<span class=\"_ _5\"></span>,<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">mot<span class=\"_ _5\"></span></span> <span class=\"lsbd ws104\">6,<span class=\"_ _5\"></span></span>9 </span></span>prosent ett \u00e5r tidligere. DNB oppfyll<span class=\"_ _5\"></span>er kravet p\u00e5 <span class=\"ls0 ws0\">3 </span>prosent med <span class=\"_ _5\"></span>god margin<div class=\"c w73 h147 gsda\"><div class=\"t m2 x20e hcf y200a ff11c fs55 fc21 sc0 lsaf wsf6\">Kapitaldekni<span class=\"_ _5\"></span>ngen er beregnet i henhold til EUs kapitalkravs<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">regelv<span class=\"_ _5\"></span>erk for kreditt<span class=\"_ _5\"></span>institusjoner <span class=\"_ _5\"></span>og verdi</span>papirforetak (CRR/CRD). Den regul<span class=\"_ _5\"></span>a<span class=\"wscf\">toriske </span></div><div class=\"t m2 x20e hcf y200b ff11c fs55 fc21 sc0 lsaf wsf6\">konsoli<span class=\"_ _5\"></span>deringen avviker fra den regnskapsmessige konsol<span class=\"_ _5\"></span>ideringen, og best\u00e5r av morsselskap, datterselsk<span class=\"_ _5\"></span>aper og tilknyttede selskaper innen </div><div class=\"t m2 x20e hcf y2033 ff11c fs55 fc21 sc0 lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell sektor, unntatt forsikringsselsk<span class=\"_ _5\"></span>aper. Tilknyttede selskap er konsolidert<span class=\"_ _5\"></span> pro rata. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2034 ff11c fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gsdb\"><table class=\"s w2e7 h4b6\" id=\"_0b4e3e72-eda3-449d-8cd7-9ad8e7b7b89c\"><tr><td class=\"c x400 y3eaf w88 h136\"><div class=\"t m2 x19f hd1 y2036 ff11b fs55 fc21 sc0 lsaf wsf6\">Ansvarlig kapital<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3eb0 w88 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff11d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eb0 wdf hd7\"><div class=\"t m2 x267 hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3eb0 wde hd7\"><div class=\"t m2 x267 hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3eb1 w88 hd9\"><div class=\"t m2 x19f hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">Egenkapi<span class=\"_ _5\"></span>tal <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eb1 wdf hd9\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">295<span class=\"ls0 ws0\"> </span>855<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3eb1 wde hd9\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">283<span class=\"ls0 ws0\"> </span>325<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3eb2 w88 hdb\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wsd0\">Effekt av reg<span class=\"_ _5\"></span>ulatori<span class=\"_ _5\"></span>sk kons<span class=\"_ _5\"></span>oliderin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eb2 wdf hdb\"><div class=\"t m2 x209 hcc y1db0 ff11c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">041</span> </div></td><td class=\"c x419 y3eb2 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff11c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">976</span> </div></td></tr><tr><td class=\"c x400 y3eb3 w88 hda\"><div class=\"t m2 x19f hcc y1dae ff11c fs53 fc21 sc0 lsab wscd\">Hybridk<span class=\"_ _5\"></span>apital i<span class=\"_ _5\"></span>nklude<span class=\"_ _5\"></span>rt i eg<span class=\"_ _5\"></span>enkapi<span class=\"_ _5\"></span>tal<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eb3 wdf hda\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(23<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">130</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3eb3 wde hda\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(21<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">676</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y3eb4 we0 hde\"><div class=\"t m2 x19f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>\u00e5l\u00f8pte <span class=\"_ _5\"></span>renter p<span class=\"_ _5\"></span>\u00e5 hyb<span class=\"_ _5\"></span>ridkapi<span class=\"_ _5\"></span>tal in<span class=\"_ _5\"></span>kludert i<span class=\"_ _5\"></span> egenk<span class=\"_ _5\"></span>apit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eb4 wdf hde\"><div class=\"t m2 x20f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">(250)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3eb4 wde hde\"><div class=\"t m2 x20f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">(239)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3eb5 w88 hd9\"><div class=\"t m2 x19f hcc y1dae ff11c fs53 fc21 sc0 lsab wscd\">Egenkapi<span class=\"_ _5\"></span>tal s<span class=\"_ _5\"></span>om inn<span class=\"_ _5\"></span>g\u00e5r i r<span class=\"_ _5\"></span>en kje<span class=\"_ _5\"></span>rnekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eb5 wdf hd9\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>516<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3eb5 wde hd9\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">263<span class=\"ls0 ws0\"> </span>386<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3eb6 w88 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">Fradrag<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x400 y3eb7 w88 hda\"><div class=\"t m2 x163 hcc y1dae ff11c fs53 fc21 sc0 lsab wscd\">Overfina<span class=\"_ _5\"></span>nsieri<span class=\"_ _5\"></span>ng av p<span class=\"_ _5\"></span>ensj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3eb7 wdf hda\"><div class=\"t m2 x20f hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">(325)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3eb7 wde hda\"><div class=\"t m2 x1b9 hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(59)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y3eb8 w88 hde\"><div class=\"t m2 x163 hcc y1da9 ff11c fs53 fc21 sc0 lsa7 wsc9\">Goodwill<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3eb8 wdf hde\"><div class=\"t m2 x1bc hcc y1da9 ff11c fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">052</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3eb8 wde hde\"><div class=\"t m2 x19b hcc y1da9 ff11c fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">614</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x400 y3eb9 w88 hdb\"><div class=\"t m2 x163 hcc y1dae ff11c fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span>som ikk<span class=\"_ _5\"></span>e skyl<span class=\"_ _5\"></span>des mi<span class=\"_ _5\"></span>dlertidi<span class=\"_ _5\"></span>ge fors<span class=\"_ _5\"></span>kjelle<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x419 y3eb9 wde hdb\"><div class=\"t m2 x20f hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">(203)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y3eba w88 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Andre im<span class=\"_ _5\"></span>mate<span class=\"_ _5\"></span>rielle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3eba wdf hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">624</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3eba wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">668</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x41b y3ebc w2e8 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff11c fs53 fc21 sc0 lsaa ws11e\">Avsatt utbytte</div><div class=\"t m2 x41a h121 y3ebb ff11c fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x418 y3ebd wdf hda\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(26<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">158</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3ebd wde hda\"><div class=\"t m2 x1bc hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(24<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">835</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ebe w88 hde\"><div class=\"t m2 x163 hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Tilbakekj<span class=\"_ _5\"></span>\u00f8pspr<span class=\"_ _5\"></span>ogram<span class=\"_ _5\"></span> aksjer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3ebe wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff11c fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">619</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3ebe wde hde\"><div class=\"t m2 x19b hcc y1da9 ff11c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">123</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x41b y3ebf w2e9 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff11c fs53 fc21 sc0 lsab wscd\">Vesentl<span class=\"_ _5\"></span>ige inv<span class=\"_ _5\"></span>esterin<span class=\"_ _5\"></span>ger i s<span class=\"_ _5\"></span>elska<span class=\"_ _5\"></span>per i fi<span class=\"_ _5\"></span>nansiel<span class=\"_ _5\"></span>l sekto<span class=\"_ _5\"></span>r</div><div class=\"t m2 x41c h121 y3ebb ff11c fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x418 y3ec0 wdf hdb\"><div class=\"t m2 x19b hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">181</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3ec0 wde hdb\"><div class=\"t m2 x19b hcc y1dae ff11c fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">904</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ec1 w88 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11c fs53 fc21 sc0 lsaa ws0\">Justert for<span class=\"_ _5\"></span>ventet ta<span class=\"_ _5\"></span>p, IRB<span class=\"ls0\">-<span class=\"lsab wscb\">p<span class=\"_ _5\"></span>ortef\u00f8lj<span class=\"_ _5\"></span>er</span></span><span class=\"ls0\"> </span></div></td><td class=\"c x418 y3ec1 wdf hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">373</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3ec1 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">985</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ec2 w88 hda\"><div class=\"t m2 x163 hcc y1dae ff11c fs53 fc21 sc0 lsab wscd\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>g som<span class=\"_ _5\"></span> f\u00f8lge av<span class=\"_ _5\"></span> krav <span class=\"_ _5\"></span>om for<span class=\"_ _5\"></span>svarli<span class=\"_ _5\"></span>g verds<span class=\"_ _5\"></span>ettelse<span class=\"_ _5\"></span> (AVA)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3ec2 wdf hda\"><div class=\"t m2 x20f hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">(682)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ec2 wde hda\"><div class=\"t m2 x20f hcc y1dae ff11c fs53 fc21 sc0 lsab wscb\">(851)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ec3 w88 hde\"><div class=\"t m2 x163 hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Problem<span class=\"_ _5\"></span>l\u00e5n som<span class=\"_ _5\"></span> ikke<span class=\"_ _5\"></span> er tilst<span class=\"_ _5\"></span>rekkel<span class=\"_ _5\"></span>ig ne<span class=\"_ _5\"></span>dskrevet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3ec3 wdf hde\"><div class=\"t m2 x20f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ec3 wde hde\"><div class=\"t m2 x20f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">(358)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ec4 w88 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Justerin<span class=\"_ _5\"></span>g for <span class=\"_ _5\"></span>urealis<span class=\"_ _5\"></span>ert tap<span class=\"_ _5\"></span>/(gevi<span class=\"_ _5\"></span>nst) p\u00e5<span class=\"_ _5\"></span> gjeld m<span class=\"_ _5\"></span>\u00e5lt t<span class=\"_ _5\"></span>il virk<span class=\"_ _5\"></span>elig v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3ec4 wdf hdb\"><div class=\"t m2 x246 hcc y1db0 ff11c fs53 fc21 sc0 ls0 ws0\">5 </div></td><td class=\"c x419 y3ec4 wde hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ec5 we0 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Justerin<span class=\"_ _5\"></span>g for <span class=\"_ _5\"></span>urealis<span class=\"_ _5\"></span>ert tap<span class=\"_ _5\"></span>/(gevi<span class=\"_ _5\"></span>nst) p\u00e5<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>atfor<span class=\"_ _5\"></span>pliktels<span class=\"_ _5\"></span>er m<span class=\"_ _5\"></span>\u00e5lt til <span class=\"_ _5\"></span>virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span> (DVA<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3ec5 wdf hdb\"><div class=\"t m2 x20f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ec5 wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">(238)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y3ec6 w88 hda\"><div class=\"t m2 x163 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirise<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y3ec6 wdf hda\"><div class=\"t m2 x20f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">(292)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ec6 wde hda\"><div class=\"t m2 x20f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">(289)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ec7 w88 hdd\"><div class=\"t m2 x19f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Ren kjer<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ec7 wdf hdd\"><div class=\"t m2 x1bc hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">209<span class=\"ls0 ws0\"> </span>673<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ec7 wde hdd\"><div class=\"t m2 x1bc hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">217<span class=\"ls0 ws0\"> </span>240<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ec8 w88 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">Hybridk<span class=\"_ _5\"></span>apital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ec8 wdf hd9\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ec8 wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>680<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3ec9 w2ea h4ad\" colspan=\"2\"><div class=\"t m2 x3f4 hcc y3e5d ff11c fs53 fc21 sc0 lsab wscd\">Fradrag <span class=\"_ _5\"></span>for b<span class=\"_ _5\"></span>eholdni<span class=\"_ _5\"></span>ng av <span class=\"_ _5\"></span>hybridk<span class=\"_ _5\"></span>apital<span class=\"_ _5\"></span> i for<span class=\"_ _5\"></span>sikring</div><div class=\"t m2 x41d h121 y3e5e ff11c fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x418 y3eca wdf hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">500</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3eca wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">500</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y3ecb w2eb h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff11c fs53 fc21 sc0 ls0 ws0\">Ikke-<span class=\"lsab wscd\">telle<span class=\"_ _5\"></span>nde kj<span class=\"_ _5\"></span>ernekapi<span class=\"_ _5\"></span>tal, DN<span class=\"_ _5\"></span>B</span>-<span class=\"lsa9 wsca\">konser<span class=\"_ _1\"></span>net</span></div><div class=\"t m2 x41e h121 y3ebb ff11c fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x418 y3ecc wdf hda\"><div class=\"t m2 x1b9 hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ecc wde hda\"><div class=\"t m2 x1b9 hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ecd w88 hdd\"><div class=\"t m2 x19f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Hybridk<span class=\"_ _5\"></span>apital i<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>ente<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ecd wdf hdd\"><div class=\"t m2 x19b hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>620<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ecd wde hdd\"><div class=\"t m2 x19b hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ece w88 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">Kjerneka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ece wdf hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">231<span class=\"ls0 ws0\"> </span>293<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ece wde hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>410<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ecf w88 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ecf wdf hd9\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ecf wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y3ed0 w2ec h4b8\" colspan=\"2\"><div class=\"t m2 x3f4 hcc y3e5d ff11c fs53 fc21 sc0 lsab wsd0\">Fradrag fo<span class=\"_ _5\"></span>r beholdni<span class=\"_ _5\"></span>ng av ansv<span class=\"_ _5\"></span>arlig ka<span class=\"_ _5\"></span>pital i forsi<span class=\"_ _5\"></span>kring</div><div class=\"t m2 x41f h121 y3ebb ff11c fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x418 y3ed1 wdf hda\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">088</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x419 y3ed1 wde hda\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">588</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y3ed2 w2ed h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff11c fs53 fc21 sc0 ls0 ws0\">Ikke-<span class=\"lsa7 wsd1\">tellende tilleggskapital, DNB</span>-<span class=\"lsab wscb\">k<span class=\"_ _5\"></span>onsernet</span></div><div class=\"t m2 x420 h121 y3e5e ff11c fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x418 y3ed3 wdf hde\"><div class=\"t m2 x1b9 hcc y1da9 ff11c fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ed3 wde hde\"><div class=\"t m2 x1b9 hcc y1da9 ff11c fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ed4 w88 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">Tilleggs<span class=\"_ _5\"></span>kapit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ed4 wdf hd9\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>582<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ed4 wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>175<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ed5 w88 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Tellend<span class=\"_ _5\"></span>e ansv<span class=\"_ _5\"></span>arlig ka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ed5 wdf hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span>875<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ed5 wde hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">266<span class=\"ls0 ws0\"> </span>585<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ed6 w88 hdd\"><div class=\"t m2 x19f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Risikove<span class=\"_ _5\"></span>ktet b<span class=\"_ _5\"></span>eregni<span class=\"_ _5\"></span>ngsgr<span class=\"_ _5\"></span>unnlag<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ed6 wdf hdd\"><div class=\"t m2 x242 hcc y1da9 ff11c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">171</span> <span class=\"lsab wscb\">02<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x419 y3ed6 wde hdd\"><div class=\"t m2 x242 hcc y1da9 ff11c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">121</span> <span class=\"lsab wscb\">13<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x400 y3ed7 w88 hdb\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Minimum<span class=\"_ _5\"></span>skrav <span class=\"_ _5\"></span>ansvarli<span class=\"_ _5\"></span>g ka<span class=\"_ _5\"></span>pital<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ed7 wdf hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">93<span class=\"ls0 ws0\"> </span>682<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ed7 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>690<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ed8 w88 h11f\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Ren kjer<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>ald<span class=\"_ _5\"></span>ekning <span class=\"_ _5\"></span>(%)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ed8 wdf h11f\"><div class=\"t m2 x247 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">17,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ed8 wde h11f\"><div class=\"t m2 x247 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">19,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3ed9 w88 hde\"><div class=\"t m2 x19f hcc y1da9 ff11c fs53 fc21 sc0 lsab wscd\">Kjerneka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span>deknin<span class=\"_ _5\"></span>g (%)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3ed9 wdf hde\"><div class=\"t m2 x247 hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">19,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3ed9 wde hde\"><div class=\"t m2 x247 hcc y1da9 ff11c fs53 fc21 sc0 lsab wscb\">21,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3eda w88 hdb\"><div class=\"t m2 x19f hcc y1db0 ff11c fs53 fc21 sc0 lsab wscd\">Kapital<span class=\"_ _5\"></span>deknin<span class=\"_ _5\"></span>g (%)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y3eda wdf hdb\"><div class=\"t m2 x247 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">22,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y3eda wde hdb\"><div class=\"t m2 x247 hcc y1db0 ff11c fs53 fc21 sc0 lsab wscb\">23,8<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3edb w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscb\">1</div></td><td class=\"c x421 y3edb w2ef h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscd\">St<span class=\"_ _5\"></span>yret i DNB<span class=\"_ _5\"></span> Bank A<span class=\"_ _5\"></span>SA <span class=\"_ _5\"></span>har foresl<span class=\"_ _5\"></span>\u00e5tt <span class=\"_ _5\"></span>et utbyt<span class=\"_ _5\"></span>te p\u00e5 18<span class=\"_ _5\"></span> krone<span class=\"_ _5\"></span>r for <span class=\"_ _5\"></span>2025.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3edc w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscb\">2</div></td><td class=\"c x421 y3edc w2f0 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscd\">Fr<span class=\"_ _5\"></span>adrag fo<span class=\"_ _5\"></span>r vesen<span class=\"_ _5\"></span>tlige<span class=\"_ _5\"></span> invest<span class=\"_ _5\"></span>eringe<span class=\"_ _5\"></span>r i andr<span class=\"_ _5\"></span>e selska<span class=\"_ _5\"></span>per i fi<span class=\"_ _5\"></span>nans<span class=\"_ _5\"></span>iell s<span class=\"_ _5\"></span>ektor n\u00e5<span class=\"_ _5\"></span>r sum<span class=\"_ _5\"></span> engasjem<span class=\"_ _5\"></span>ent <span class=\"_ _5\"></span>overstig<span class=\"_ _5\"></span>er 10<span class=\"_ _5\"></span> prose<span class=\"_ _5\"></span>nt av re<span class=\"_ _5\"></span>n kjern<span class=\"_ _5\"></span>ekapital<span class=\"_ _5\"></span>. Bel<span class=\"_ _5\"></span>\u00f8p som<span class=\"_ _5\"></span> ikke<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x414 y3edd w2f1 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscd\">kommer t<span class=\"_ _5\"></span>il fra<span class=\"_ _5\"></span>drag i <span class=\"_ _5\"></span>ren kj<span class=\"_ _5\"></span>erneka<span class=\"_ _5\"></span>pital, ri<span class=\"_ _5\"></span>sikove<span class=\"_ _5\"></span>ktes 25<span class=\"_ _5\"></span>0 pro<span class=\"_ _5\"></span>sent.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ede w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscb\">3</div></td><td class=\"c x421 y3ede w2f2 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff11d fs53 fc21 sc0 lsab wscd\">Inves<span class=\"_ _5\"></span>tering<span class=\"_ _5\"></span>er i a<span class=\"_ _5\"></span>nsvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span>ekapital<span class=\"_ _5\"></span> i fo<span class=\"_ _5\"></span>rsikring k<span class=\"_ _5\"></span>omm<span class=\"_ _5\"></span>er til fr<span class=\"_ _5\"></span>adrag i<span class=\"_ _5\"></span> konse<span class=\"_ _5\"></span>rnets <span class=\"_ _5\"></span>kjerne<span class=\"lsc9 wsd1\">- </span>og<span class=\"_ _5\"></span> tille<span class=\"_ _5\"></span>ggskapit<span class=\"_ _5\"></span>al.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x422 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hcc y3edf ff11d fs53 fc21 sc0 lsab wscb\">4</div></td><td class=\"c x423 y3e64 w2f3 h4b2\"><div class=\"t m2 x3f4 hcc y3edf ff11d fs53 fc21 sc0 lsab wscd\">Gen<span class=\"_ _5\"></span>erell r<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>e for tilb<span class=\"_ _5\"></span>akekj\u00f8<span class=\"_ _5\"></span>p av eg<span class=\"_ _5\"></span>ne utst<span class=\"_ _5\"></span>edte p<span class=\"_ _5\"></span>apire<span class=\"_ _5\"></span>r.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"c wac h147 gsdd\"><div class=\"t m2 x248 hcf y200a ff11e fs55 fc21 sc0 lsaf wsf6\">De fleste l\u00e5neportef\u00f8<span class=\"_ _5\"></span>ljene rapporteres <span class=\"wsd2\">etter <span class=\"_ _5\"></span>interne m\u00e5lemetoder<span class=\"ls0 ws102\"> (</span></span>I<span class=\"_ _5\"></span>nternal Ratings<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Based, </span>IRB). Eks<span class=\"_ _5\"></span>poneringer mot stater og sentralbanker, </div><div class=\"t m2 x248 hcf y200b ff11e fs55 fc21 sc0 lsaf wscf\">regionale <span class=\"wsf6\">my<span class=\"_ _5\"></span>ndigheter, institusjoner, egenk<span class=\"_ _5\"></span>apitalposisjoner og \u00f8vrige eiendeler rapport<span class=\"_ _5\"></span>eres etter standardmetoden.<span class=\"ls0 ws0\"> </span></span></div></div><div class=\"gsde\"><table class=\"s w2f4 h4b9\" id=\"_f5d97ee7-367e-4c48-affb-4d2f05ef6e7c\"><tr><td class=\"c x425 y3ee0 we1 h136\"><div class=\"t m2 x19f hd1 y200d ff11f fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av risikovektet beregningsgrunnlag og kapitalkrav<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x426 y3ee1 we2 hd7\"><div class=\"t m2 x20c hcf y200f ff11e fs55 fc21 sc0 lsaf wsf6\">31. desember 2025<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x427 y3ee1 we3 hd7\"><div class=\"t m2 x20c hcf y200f ff11e fs55 fc21 sc0 lsaf wsf6\">31. desember 2024<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x426 y3ee2 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">Eksponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ee2 wdd hd7\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ee2 wdc hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">Gjennom<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ee2 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">Eksponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ee2 wde hd7\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ee2 wdd hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">Gjennom<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x426 y3ee3 wdd hd7\"><div class=\"t m2 x19e hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">ved<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ee3 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">vektet </div></td><td class=\"c x429 y3ee3 wdc hd7\"><div class=\"t m2 x4f hcc y1db0 ff11e fs53 fc21 sc0 lsa7 wsc9\">snittlige<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ee3 wdd hd7\"><div class=\"t m2 x19e hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">ved<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ee3 wde hd7\"><div class=\"t m2 x1ab hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">vektet </div></td><td class=\"c x42b y3ee3 wdd hd7\"><div class=\"t m2 x4f hcc y1db0 ff11e fs53 fc21 sc0 lsa7 wsc9\">snittlige<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x426 y3ee4 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 lsa7 wsc9\">mislighold<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ee4 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">volum<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ee4 wdc hd7\"><div class=\"t m2 xda hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">risikov<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ee4 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 lsa7 wsc9\">mislighold<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ee4 wde hd7\"><div class=\"t m2 x1ab hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">volum<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ee4 wdd hd7\"><div class=\"t m2 xda hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">risikov<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3ee5 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff120 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3ee5 wdd hd7\"><div class=\"t m2 x1e4 hcc y1db0 ff11e fs53 fc21 sc0 lsa8 ws99\">(EAD)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ee5 wdd hd7\"><div class=\"t m2 x1e4 hcc y1db0 ff11e fs53 fc21 sc0 lsa8 ws99\">(REA)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ee5 wdc hd7\"><div class=\"t m2 x267 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">i prose<span class=\"_ _5\"></span>nt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ee5 wdd hd7\"><div class=\"t m2 x1e4 hcc y1db0 ff11e fs53 fc21 sc0 lsa8 ws99\">(EAD)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ee5 wde hd7\"><div class=\"t m2 x1e4 hcc y1db0 ff11e fs53 fc21 sc0 lsa8 ws99\">(REA)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ee5 wdd hd7\"><div class=\"t m2 x267 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">i prose<span class=\"_ _5\"></span>nt<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3ee6 we4 hdd\"><div class=\"t m2 x19f hcc y1dae ff11e fs53 fc21 sc0 ls0 ws0\">F-<span class=\"lsab wscd\">IRB m<span class=\"_ _5\"></span>etode<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y3ee7 we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">Foretak<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3ee7 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span>703<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ee7 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>438<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ee7 wdc hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">44,5<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y3ee8 we4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff11e fs53 fc21 sc0 ls0 ws0\">A-<span class=\"lsab wscd\">IRB meto<span class=\"_ _5\"></span>de<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y3ee9 we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">Foretak<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3ee9 wdd hdb\"><div class=\"t m2 x1bc hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">735<span class=\"ls0 ws0\"> </span>394<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ee9 wdd hdb\"><div class=\"t m2 x1bc hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">304<span class=\"ls0 ws0\"> </span>251<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ee9 wdc hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">41,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ee9 wdd hdb\"><div class=\"t m2 x242 hd8 y1db0 ff120 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">092</span> <span class=\"lsab wscb\">44<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x42a y3ee9 wde hdb\"><div class=\"t m2 x1bc hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">430<span class=\"ls0 ws0\"> </span>963<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ee9 wdd hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">39,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3eea we4 hda\"><div class=\"t m2 x163 hcc y1dae ff11e fs53 fc21 sc0 lsab wscd\">Massem<span class=\"_ _5\"></span>arked,<span class=\"_ _5\"></span> sikret m<span class=\"_ _5\"></span>ed p<span class=\"_ _5\"></span>ant i f<span class=\"_ _5\"></span>ast ei<span class=\"_ _5\"></span>endom<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3eea wdd hda\"><div class=\"t m2 x242 hd8 y1dae ff120 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">056</span> <span class=\"lsab wscb\">35<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x428 y3eea wdd hda\"><div class=\"t m2 x1bc hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">256<span class=\"ls0 ws0\"> </span>923<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3eea wdc hda\"><div class=\"t m2 x247 hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">24,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3eea wdd hda\"><div class=\"t m2 x1bc hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">963<span class=\"ls0 ws0\"> </span>233<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3eea wde hda\"><div class=\"t m2 x1bc hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">210<span class=\"ls0 ws0\"> </span>447<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3eea wdd hda\"><div class=\"t m2 x247 hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">21,8<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3eeb we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Massem<span class=\"_ _5\"></span>arked,<span class=\"_ _5\"></span> \u00d8vrig<span class=\"_ _5\"></span>e engas<span class=\"_ _5\"></span>jement<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3eeb wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">130<span class=\"ls0 ws0\"> </span>191<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3eeb wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>308<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3eeb wdc hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">28,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3eeb wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">67<span class=\"ls0 ws0\"> </span>613<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3eeb wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3eeb wdd hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">30,5<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3eec we4 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscd\">Sum kre<span class=\"_ _5\"></span>dittris<span class=\"_ _5\"></span>iko, IRB<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscb\">metod<span class=\"_ _5\"></span>e</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x426 y3eec wdd hd9\"><div class=\"t m2 x242 hcc y1dc1 ff11e fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">183</span> <span class=\"lsab wscb\">64<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x428 y3eec wdd hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscb\">714<span class=\"ls0 ws0\"> </span>920<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3eec wdc hd9\"><div class=\"t m2 x247 hd8 y1dc1 ff120 fs53 fc21 sc0 lsab wscb\">32,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3eec wdd hd9\"><div class=\"t m2 x242 hcc y1dc1 ff11e fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">123</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x42a y3eec wde hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscb\">662<span class=\"ls0 ws0\"> </span>007<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3eec wdd hd9\"><div class=\"t m2 x247 hd8 y1dc1 ff120 fs53 fc21 sc0 lsab wscb\">31,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3eed we4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Standar<span class=\"_ _5\"></span>d met<span class=\"_ _5\"></span>ode<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x42c y3eef w2f5 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff11e fs53 fc21 sc0 lsab wscd\">Offentlige motparter<span class=\"ls0 ws11c\"> o</span>g multilaterale<span class=\"wsd0\"> ut<span class=\"wscb\">viklingsbanker\u00b9<span class=\"_ _1c5\"> </span></span></span></div></td><td class=\"c x426 y3ef0 wdd hda\"><div class=\"t m2 x1bc hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span>480<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ef0 wdd hda\"><div class=\"t m2 x209 hcc y1dae ff11e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">881</span> </div></td><td class=\"c x429 y3ef0 wdc hda\"><div class=\"t m2 x20e hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">0,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ef0 wdd hda\"><div class=\"t m2 x1bc hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">497<span class=\"ls0 ws0\"> </span>687<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ef0 wde hda\"><div class=\"t m2 x19e hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">785<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ef0 wdd hda\"><div class=\"t m2 x20e hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">0,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x42c y3ef1 w2f6 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff11e fs53 fc21 sc0 lsab wscb\">Institusjoner<span class=\"ls0 ws11c\"> i</span>nkl.<span class=\"ls0 ws0\"> </span>obligasjoner<span class=\"ls0 ws11c\"> m</span>ed<span class=\"ls0 wsa1\"> f</span>ortrinnsrett<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3ef2 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">136<span class=\"ls0 ws0\"> </span>094<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ef2 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>698<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ef2 wdc hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">15,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ef2 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>584<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ef2 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>077<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ef2 wdd hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">19,8<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x42c y3ef3 w2f7 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff11e fs53 fc21 sc0 ls0 ws0\">F<span class=\"lsab wscb\">oretak<span class=\"_ _1c5\"> </span></span></div></td><td class=\"c x426 y3ef4 wdd hde\"><div class=\"t m2 x1bc hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>480<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ef4 wdd hde\"><div class=\"t m2 x19b hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>339<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ef4 wdc hde\"><div class=\"t m2 x247 hd8 y1dc1 ff120 fs53 fc21 sc0 lsab wscb\">48,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ef4 wdd hde\"><div class=\"t m2 x1bc hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscb\">150<span class=\"ls0 ws0\"> </span>951<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ef4 wde hde\"><div class=\"t m2 x19b hcc y1dc1 ff11e fs53 fc21 sc0 lsab wscb\">97<span class=\"ls0 ws0\"> </span>962<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ef4 wdd hde\"><div class=\"t m2 x247 hd8 y1dc1 ff120 fs53 fc21 sc0 lsab wscb\">64,9<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x42c y3ef5 w2f8 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff11e fs53 fc21 sc0 lsab wscb\">Massem<span class=\"_ _5\"></span>arked,<span class=\"ls0 ws0\"> \u00f8<span class=\"_ _5\"></span></span><span class=\"wscd\">vrige e<span class=\"_ _5\"></span>ngasjem<span class=\"_ _5\"></span>ent<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></span></div></td><td class=\"c x426 y3ef6 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>528<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ef6 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>303<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ef6 wdc hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">70,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ef6 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span>824<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ef6 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span>110<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ef6 wdd hdb\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">74,7<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x42c y3ef7 w2f9 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff11e fs53 fc21 sc0 lsab wscb\">Massem<span class=\"_ _5\"></span>arked, si<span class=\"_ _5\"></span>kret<span class=\"ls0 ws0\"> m<span class=\"lsa9 ws87\">ed pant</span> i<span class=\"wscb\"> f</span></span>ast<span class=\"ls0 ws0\"> </span>ei<span class=\"_ _5\"></span>endom<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3ef8 wdd hda\"><div class=\"t m2 x1bc hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">110<span class=\"ls0 ws0\"> </span>747<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3ef8 wdd hda\"><div class=\"t m2 x19b hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">51<span class=\"ls0 ws0\"> </span>402<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3ef8 wdc hda\"><div class=\"t m2 x247 hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">46,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3ef8 wdd hda\"><div class=\"t m2 x1bc hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">108<span class=\"ls0 ws0\"> </span>572<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3ef8 wde hda\"><div class=\"t m2 x19b hcc y1dae ff11e fs53 fc21 sc0 lsab wscb\">43<span class=\"ls0 ws0\"> </span>997<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3ef8 wdd hda\"><div class=\"t m2 x247 hd8 y1dae ff120 fs53 fc21 sc0 lsab wscb\">40,5<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x42c y3ef9 w2fa h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff11e fs53 fc21 sc0 lsab wscb\">Egenkapi<span class=\"_ _5\"></span>talp<span class=\"_ _5\"></span>osisjone<span class=\"_ _5\"></span>r,<span class=\"ws11d\"> aksj</span>e<span class=\"_ _5\"></span>ekspo<span class=\"_ _5\"></span>neringe<span class=\"_ _5\"></span>r<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3efa wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>509<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3efa wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">58<span class=\"ls0 ws0\"> </span>640<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3efa wdc hdb\"><div class=\"t m2 x209 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">213,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3efa wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>493<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3efa wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">58<span class=\"ls0 ws0\"> </span>120<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3efa wdd hdb\"><div class=\"t m2 x209 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">211,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x42c y3efb w2fb h4ba\"><div class=\"t m2 x3f4 hcc y3edf ff11e fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"_ _1c5\"> </span></div></td><td class=\"c x426 y3efc wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff11e fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span>644<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3efc wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff11e fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>591<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3efc wdc hde\"><div class=\"t m2 x247 hd8 y1da9 ff120 fs53 fc21 sc0 lsab wscb\">48,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3efc wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff11e fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>284<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42a y3efc wde hde\"><div class=\"t m2 x19b hcc y1da9 ff11e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>546<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3efc wdd hde\"><div class=\"t m2 x247 hd8 y1da9 ff120 fs53 fc21 sc0 lsab wscb\">65,8<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3efd we4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Sum kre<span class=\"_ _5\"></span>dittris<span class=\"_ _5\"></span>iko, sta<span class=\"_ _5\"></span>ndar<span class=\"_ _5\"></span>dmetode<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3efd wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">932<span class=\"ls0 ws0\"> </span>481<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x428 y3efd wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">270<span class=\"ls0 ws0\"> </span>854<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3efd wdc hd9\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">29,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3efd wdd hd9\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">017</span> <span class=\"lsab wscb\">39<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x42a y3efd wde hd9\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">307<span class=\"ls0 ws0\"> </span>597<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3efd wdd hd9\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">30,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3efe we4 hdd\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 ls0 wsc9\">Sum kredittrisiko<span class=\"_ _5\"></span><span class=\"ws0\"> </span></div></td><td class=\"c x426 y3efe wdd hdd\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">116</span> <span class=\"lsab wscb\">12<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x428 y3efe wdd hdd\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">985<span class=\"ls0 ws0\"> </span>774<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x429 y3efe wdc hdd\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">31,6<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x427 y3efe wdd hdd\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">140</span> <span class=\"lsab wscb\">68<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x42a y3efe wde hdd\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">969<span class=\"ls0 ws0\"> </span>604<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42b y3efe wdd hdd\"><div class=\"t m2 x247 hd8 y1db0 ff120 fs53 fc21 sc0 lsab wscb\">30,9<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3eff we4 h11f\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Annen risi<span class=\"_ _5\"></span>ko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x428 y3eff wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">932</span> </div></td><td></td><td></td><td class=\"c x42a y3eff wde h11f\"><div class=\"t m2 x209 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">539</span> </div></td><td></td></tr><tr><td class=\"c x425 y3f00 we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff11e fs53 fc21 sc0 ls0 ws0\">Markedsrisiko<span class=\"_ _5\"></span> </div></td><td></td><td class=\"c x428 y3f00 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff11e fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">781</span> </div></td><td></td><td></td><td class=\"c x42a y3f00 wde hde\"><div class=\"t m2 x209 hcc y1da9 ff11e fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">845</span> </div></td><td></td></tr><tr><td class=\"c x425 y3f01 we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Risiko f<span class=\"_ _5\"></span>or svekk<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittv<span class=\"_ _5\"></span>erdig<span class=\"_ _5\"></span>het hos<span class=\"_ _5\"></span> motpa<span class=\"_ _5\"></span>rt, CVA<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"lsa7 wsc9\">risiko</span></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x428 y3f01 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">476</span> </div></td><td></td><td></td><td class=\"c x42a y3f01 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">107</span> </div></td><td></td></tr><tr><td class=\"c x425 y3f02 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Operasj<span class=\"_ _5\"></span>onell ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x428 y3f02 wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">172<span class=\"ls0 ws0\"> </span>058<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x42a y3f02 wde hda\"><div class=\"t m2 x1bc hcc y1db0 ff11e fs53 fc21 sc0 lsab wscb\">140<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y3f03 we4 h11f\"><div class=\"t m2 x19f hcc y1db0 ff11e fs53 fc21 sc0 lsab wscd\">Sum risi<span class=\"_ _5\"></span>kovekt<span class=\"_ _5\"></span>et ber<span class=\"_ _5\"></span>egnin<span class=\"_ _5\"></span>gsgrunnl<span class=\"_ _5\"></span>ag o<span class=\"_ _5\"></span>g kapi<span class=\"_ _5\"></span>talkrav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x428 y3f03 wdd h11f\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">171</span> <span class=\"lsab wscb\">02<span class=\"_ _5\"></span>2</span> </div></td><td></td><td></td><td class=\"c x42a y3f03 wde h11f\"><div class=\"t m2 x242 hcc y1db0 ff11e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">121</span> <span class=\"lsab wscb\">13<span class=\"_ _5\"></span>0</span> </div></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff120 fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3ea2 w2fc h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff120 fs53 fc21 sc0 lsab wscd\">Offe<span class=\"_ _5\"></span>ntlig<span class=\"_ _5\"></span>e motpar<span class=\"_ _5\"></span>ter: St<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g sent<span class=\"_ _5\"></span>ralbank<span class=\"_ _5\"></span>er, re<span class=\"_ _5\"></span>gionale<span class=\"_ _5\"></span> og  lok<span class=\"_ _5\"></span>ale m<span class=\"_ _5\"></span>yndighe<span class=\"_ _5\"></span>ter<span class=\"_ _5\"></span>, offentli<span class=\"_ _5\"></span>ge for<span class=\"_ _5\"></span>etak, m<span class=\"_ _5\"></span>ultil<span class=\"_ _5\"></span>ateral<span class=\"_ _5\"></span>e utvik<span class=\"_ _5\"></span>lingsbank<span class=\"_ _5\"></span>er og i<span class=\"_ _5\"></span>ntern<span class=\"_ _5\"></span>asjonal<span class=\"_ _5\"></span>e<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x42c y3e64 w2fd h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff120 fs53 fc21 sc0 lsab wscb\">organis<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r.</div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-400": {
   "value": "Note K5 S<span class=\"_ _1\"></span>tyring av kr<span class=\"_ _1\"></span>edittrisiko<span class=\"_ _1c5\"> </span><div class=\"c w73 h149 gse0\"><div class=\"t m2 x20e hcf y20c1 ff127 fs55 fc21 sc0 lsaf wsf6\">Kreditt<span class=\"_ _5\"></span>risiko eller motpartsrisiko er risiko f<span class=\"_ _5\"></span>or \u00f8konomisk tap som skyldes at konsernets kunder/motparter ikke oppfyller sine<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span><span class=\"wscf\">betalingsforpliktel<span class=\"_ _5\"></span>ser </span></div><div class=\"t m2 x20e hcf y20c2 ff127 fs55 fc21 sc0 lsaf wsf6\">overfor DNB. Kreditt<span class=\"_ _5\"></span>risiko vedr\u00f8rer alle fordringer p\u00e5 kunder/mot<span class=\"_ _5\"></span>parter, i hovedsak utl\u00e5n, men ogs\u00e5 forplikt<span class=\"_ _5\"></span>elser til andre kreditter, garantier, </div><div class=\"t m2 x20e hcf y20c3 ff127 fs55 fc21 sc0 lsaf wsf6\">renteb\u00e6rende verdi<span class=\"_ _5\"></span>papirer, ubenyttede kreditter, derivat<span class=\"_ _5\"></span>handel og interbankplasseringer.<span class=\"_ _5\"></span> Kredittrisiko omfatter ogs\u00e5<span class=\"ls0 ws0\"> </span><span class=\"wscf\">k<span class=\"_ _5\"></span>onsentrasjonsrisiko.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y20c4 ff127 fs55 fc21 sc0 lsaf wsd2\">Konsentrasj<span class=\"_ _5\"></span>onsrisiko er ris<span class=\"_ _5\"></span>iko knyttet t<span class=\"_ _5\"></span>il store <span class=\"_ _5\"></span>engasjementer med s<span class=\"_ _5\"></span>amme kunde<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">ell<span class=\"_ _5\"></span>er konsentrasjon innenfor geografiske omr\u00e5der, bransjer el<span class=\"_ _5\"></span>ler </span></div><div class=\"t m2 x20e hcf y20c5 ff127 fs55 fc21 sc0 lsaf wsf6\">med likeartede grupper av kunder. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y20c6 ff127 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y20c7 ff127 fs55 fc21 sc0 lsaf wsf6\">Styring og m\u00e5ling av kredittrisi<span class=\"_ _5\"></span>ko er beskrevet i rapporten Risiko<span class=\"ls0 ws0\">- </span>og kapitalsty<span class=\"_ _5\"></span>ring (Pilar 3). Konserninstruksen f<span class=\"_ _5\"></span>or kredittvirksomhet er vedtatt av </div><div class=\"t m2 x20e hcf y20c8 ff127 fs55 fc21 sc0 lsaf wsf6\">styret i DNB Bank ASA. Det overordnede m\u00e5let for kredittvirks<span class=\"_ _5\"></span>omheten er \u00e5 ha en engasjementsportef\u00f8lje me<span class=\"wsd2\">d en kv<span class=\"_ _5\"></span>alitet og sammen<span class=\"wscf\">s<span class=\"_ _5\"></span>etning </span></span></div><div class=\"t m2 x20e hcf y20c9 ff127 fs55 fc21 sc0 lsaf wsf6\">som sikrer konsernets l\u00f8nns<span class=\"_ _5\"></span>omhet p\u00e5 kort og lang <span class=\"_ _1\"></span>sikt<span class=\"_ _5\"></span>. Portef\u00f8ljen skal ha en kvalitet som er forenlig med DNBs m\u00e5l om en lav<span class=\"ls0 ws0\"> <span class=\"lsbe ws10b\">ris<span class=\"_ _5\"></span>iko</span></span><span class=\"wscf\">prof<span class=\"_ _5\"></span>il. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y20ca ff127 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y20cb ff127 fs55 fc21 sc0 lsaf wsf6\">Styret i DNB Bank ASA setter langsiktige m\u00e5l for risikoprofi<span class=\"_ _5\"></span>len gjennom prinsipper for risikoappet<span class=\"_ _5\"></span>itt. Form\u00e5let med prinsippene er \u00e5 sikre at risi<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y20cc ff127 fs55 fc21 sc0 lsaf wsf6\">koen er styrt og integrert med konsernets pros<span class=\"_ _5\"></span>ess for virksomhetsstyring. Prinsippene f<span class=\"_ _5\"></span>or risikoappetitt skal<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>danne et helhetlig og balansert syn </div><div class=\"t m2 x20e hcf y20cd ff127 fs55 fc21 sc0 lsaf wsf6\">p\u00e5 risikoen i virksomhet<span class=\"_ _5\"></span>en og definerer maksimale grenser for kreditteksponering. Det er satt grenser for \u00e5rlig vekst i utl\u00e5n<span class=\"lsbe ws104\">, r<span class=\"_ _5\"></span>is<span class=\"_ _5\"></span>iko<span class=\"ls0 ws0\">-</span></span><span class=\"wscf\">k<span class=\"_ _5\"></span>onsentrasjon, </span></div><div class=\"t m2 x20e hcf y20ce ff127 fs55 fc21 sc0 lsaf wsf6\">total kredittris<span class=\"_ _5\"></span>ikoeksponering og forventet k<span class=\"_ _5\"></span>redittap. En \u00f8vre grense<span class=\"ls0 ws0\"> </span>for vekst, m\u00e5lt gjennom eksponering ved mislighol<span class=\"_ _5\"></span>d (EAD), er fastsatt for </div><div class=\"t m2 x20e hcf y20cf ff127 fs55 fc21 sc0 lsaf wsf6\">hvert forretnings<span class=\"_ _5\"></span>omr\u00e5de. For \u00e5 begrense konsentrasjonsrisiko er det satt grenser for eksponering p\u00e5 indiv<span class=\"_ _5\"></span>iduelle kunder og visse bransjer. </div><div class=\"t m2 x20e hcf y20d0 ff127 fs55 fc21 sc0 lsaf wsf6\">Grensen for forventede t<span class=\"_ _5\"></span>ap gjelder alle typer kredittrisik<span class=\"_ _5\"></span>o og er m\u00e5lt ved hjelp av <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernets interne kredittmodeller.<span class=\"_ _5\"></span> Prinsippene for risiko<span class=\"wscf\">appetit<span class=\"_ _5\"></span>t </span></div><div class=\"t m2 x20e hcf y20d1 ff127 fs55 fc21 sc0 lsaf wsf6\">er operasjonalis<span class=\"_ _5\"></span>ert gjennom kredittstrat<span class=\"_ _5\"></span>egier for hvert kundesegment. I tillegg til prinsipper for risikoappetitt finnes det<span class=\"_ _5\"></span> <span class=\"wscf\">kreditt<span class=\"wsd2\">strategi<span class=\"_ _5\"></span>er fo<span class=\"lsc1 ws120\">r hvert </span></span></span></div><div class=\"t m2 x20e hcf y20d2 ff127 fs55 fc21 sc0 lsaf wsf6\">kundesegment. Ris<span class=\"_ _5\"></span>iko skal eksplisitt inng\u00e5 i styrings<span class=\"ls0 ws0\">- </span>og bel\u00f8nningssystem<span class=\"_ _5\"></span>et, gjennom indikatorer som operasjonalis<span class=\"_ _5\"></span>erer risikorammer og <span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y20d3 ff127 fs55 fc21 sc0 lsaf wsf6\">strategi<span class=\"_ _5\"></span>er i individuell ledelsesoppf\u00f8lging. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y20d4 ff127 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y20d5 ff126 fs5a fc21 sc0 lsba ws101\">Kreditte<span class=\"_ _1\"></span>ksponering<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y20d6 ff127 fs55 fc21 sc0 lsaf wsf6\">Den maksimale kreditt<span class=\"_ _5\"></span>eksponeringen vil v\u00e6re balansef\u00f8rt bel\u00f8p for de finansielle ei<span class=\"_ _5\"></span>endeler, samt ikke balansef\u00f8rt eksponering<span class=\"ls0 ws0\"> </span>s<span class=\"_ _5\"></span>om i all hoved<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y20d7 ff127 fs55 fc21 sc0 lsaf wsf6\">sak omfatter garantier,<span class=\"_ _5\"></span> udisponerte kredittramm<span class=\"_ _5\"></span>er og l\u00e5netilbud. Konsernets maksimale eksponering for kredittri<span class=\"_ _5\"></span>siko og tilh\u00f8rende sikkerheter </div><div class=\"t m2 x20e hcf y20d8 ff127 fs55 fc21 sc0 lsaf wsf6\">ved \u00e5rsslutt framg\u00e5r av note K<span class=\"ls0 ws0\">7 K</span>reditt<span class=\"_ _5\"></span>eksponering og sikkerheter.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y20d9 ff127 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y20da ff126 fs5a fc21 sc0 lsca ws108\">Klassifise<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y20db ff127 fs55 fc21 sc0 lsaf wsf6\">DNBs interne modeller for risik<span class=\"_ _5\"></span>oklassifisering av enkeltkunder er under kontinuerl<span class=\"_ _5\"></span>ig forbedring og etterpr\u00f8ving. Modellene er<span class=\"ls0 ws0\"> </span>t<span class=\"_ _5\"></span>ilpasset bransjer </div><div class=\"t m2 x20e hcf y20dc ff127 fs55 fc21 sc0 lsaf wsf6\">og segmenter og oppdateres dersom etterk<span class=\"_ _5\"></span>ontroller viser at forklaringsk<span class=\"_ _5\"></span>raften har falt over tid. DNB benytter b\u00e5de Advanced og Foundation IRB </div><div class=\"t m2 x20e hcf y20dd ff127 fs55 fc21 sc0 lsc1 wsce\">(A<span class=\"ls0 ws0\">-<span class=\"lsbd ws117\">IR<span class=\"_ _5\"></span>B o<span class=\"_ _5\"></span>g F</span>-<span class=\"lsaf wsf6\">I<span class=\"_ _5\"></span>RB) modeller for bedriftsportef\u00f8ljen, av<span class=\"_ _5\"></span>hengig av om kundens konsoliderte omsetning er mindre eller st\u00f8rre enn EUR 500 </span></span></div><div class=\"t m2 x20e hcf y20de ff127 fs55 fc21 sc0 lsaf wsf6\">millioner. I<span class=\"_ _5\"></span>RB inneb\u00e6rer at interne modeller brukes til \u00e5 beregne bankens kapitalbehov. Den standardiserte f<span class=\"_ _5\"></span>ramgangsm\u00e5ten benyttes for </div><div class=\"t m2 x20e hcf y20df ff127 fs55 fc21 sc0 lsaf wsf6\">borettsl<span class=\"_ _5\"></span>ag og nyetablerte virksomheter.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y20e0 ff127 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y20e1 ff127 fs55 fc21 sc0 lsaf wsf6\">Alle bedriftsk<span class=\"_ _5\"></span>under med kredittengasjement skal risik<span class=\"_ _5\"></span>oklassifiseres ved hver kredittbev<span class=\"_ _5\"></span>ilgning av vesentlig st\u00f8rrelse og minst en gang \u00e5rlig, m<span class=\"_ _5\"></span>ed </div><div class=\"t m2 x20e hcf y20e2 ff127 fs55 fc21 sc0 lsaf wsf6\">mindre annet er bestemt. Innenfor personmark<span class=\"_ _5\"></span>edet, hvor det er et stort antall kunder, blir de fleste sakene besluttet ved hjelp av automatiserte </div><div class=\"t m2 x20e hcf y20e3 ff127 fs55 fc21 sc0 lsaf wscf\">m\u00e5le<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og beslutni<span class=\"_ _5\"></span>ngsst\u00f8ttesystemer. Risikoklass<span class=\"_ _5\"></span>ifiseringen skal reflekt<span class=\"_ _5\"></span>ere risikoen ved kunden og engasjementet. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y20e4 ff127 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y20e5 ff127 fs55 fc21 sc0 lsaf wsf6\">Risikokl<span class=\"_ _5\"></span>assifiseringssystem<span class=\"_ _5\"></span>ene anvendes for beslutningsst\u00f8tte, overv<span class=\"_ _5\"></span>\u00e5king og rapportering. Risikoparameterne f<span class=\"_ _5\"></span>ra klassifiseri<span class=\"wscf\">ngssyst<span class=\"_ _5\"></span>emene </span></div><div class=\"t m2 x20e hcf y20e6 ff127 fs55 fc21 sc0 lsaf wsf6\">inng\u00e5r som en integrert del av kredittpros<span class=\"_ _5\"></span>essen og i risikooppf\u00f8lgingen, herunder oppf\u00f8lgi<span class=\"_ _5\"></span>ng av kredittstrategiene. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y20e7 ff127 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y20e8 ff127 fs55 fc21 sc0 lsaf wsf6\">PD brukes som m\u00e5l p\u00e5 kredittkvalitet. K<span class=\"_ _5\"></span>onsernet deler portef\u00f8ljen inn i ti risikoklasser.<span class=\"_ _5\"></span> Risikoklasse tildeles, basert p\u00e5 12<span class=\"ls0 ws0\">-</span>m\u00e5neders I<span class=\"_ _5\"></span>RB P<span class=\"_ _1\"></span>D for </div><div class=\"t m2 x20e hcf y20e9 ff127 fs55 fc21 sc0 lsaf wsf6\">hvert kredittengas<span class=\"_ _5\"></span>jement. Dette er presentert i tabellen nedenfor. Kredittf<span class=\"_ _5\"></span>orringede engasjementer (gruppe 3) gi<span class=\"_ _5\"></span>s en PD p\u00e5 100 prosent. </div><div class=\"t m2 x20e hcf y20ea ff127 fs55 fc21 sc0 lsaf wsf6\">Konsernets port<span class=\"_ _5\"></span>ef\u00f8lje inndelt etter risikoklasser og IFRS 9<span class=\"ls0 ws0\">-</span>grupper er presentert i note K<span class=\"ls0 ws0\">8 </span><span class=\"wscf\">Kreditt<span class=\"_ _5\"></span></span>eksponering per risikoklasse.  <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y20eb ff127 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gse1\"><table class=\"s w2fe h4bb\" id=\"_02fa86d3-1158-4b07-acb3-c9b6cd39b451\"><tr><td class=\"c x40f y3f06 w2ff h4bc\"><div class=\"t m2 x3f4 hd1 y3f04 ff126 fs55 fc21 sc0 lsaf wsf6\">DNBs risikokl<span class=\"_ _5\"></span>assifisering</div><div class=\"t m2 x42d h14a y3f05 ff126 fs56 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x42e y3f07 wef h136\"><div class=\"t m2 x1e4 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscd\">Sannsynl<span class=\"_ _5\"></span>ighet<span class=\"_ _5\"></span> for mi<span class=\"_ _5\"></span>slighol<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x42f y3f08 wdf hd7\"><div class=\"t m2 x163 hcc y1f37 ff127 fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x42e y3f08 wef hd7\"><div class=\"t m2 x199 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">(prosent<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x430 y3f08 wf3 hd7\"><div class=\"t m2 x208 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscd\">Ekstern r<span class=\"_ _5\"></span>ating<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f09 wed h14b\"><div class=\"t m2 x19f hd8 y1da9 ff128 fs53 fc21 sc0 ls0 ws0\">Risikoklasse </div></td><td class=\"c x42f y3f09 wdf h14b\"><div class=\"t m2 x19a hcc y1da9 ff127 fs53 fc21 sc0 lsa7 wsc9\">klassifisering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x42e y3f09 wdd h14b\"><div class=\"t m2 xda hcc y20f0 ff127 fs53 fc21 sc0 lsab wscd\">Fra og m<span class=\"_ _5\"></span>ed<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f09 wf4 h14b\"><div class=\"t m2 x1df hcc y20f0 ff127 fs53 fc21 sc0 lsa7 wsc9\">Til<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f09 wf1 h14b\"><div class=\"t m2 x19f hcc y20f0 ff127 fs53 fc21 sc0 lsab wscb\">Moody's<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f09 wf2 h14b\"><div class=\"t m2 x19f hcc y20f0 ff127 fs53 fc21 sc0 lsa8 wsf8\">S&amp;P Global <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f0a wed hdd\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x42e y3f0a wdd hdd\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">0,01<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f0a wf4 hdd\"><div class=\"t m2 x134 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">0,10<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f0a wf1 hdd\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">Aaa <span class=\"ls0 ws0\">\u2013 <span class=\"lsa8 ws99\">A3</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f0a wf2 hdd\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsa8 ws99\">AAA <span class=\"ls0 ws0\">\u2013 A-</span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f0b wed hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x40d y3f0c w73 h149\"><div class=\"t m2 x144 hcc y20f2 ff127 fs53 fc21 sc0 ls0 wsa1\">Lav risiko<span class=\"ws0\"> </span></div><div class=\"t m2 x1b hcc y20f3 ff127 fs53 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x42e y3f0b wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">0,10<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f0b wf4 hdb\"><div class=\"t m2 x134 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">0,25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f0b wf1 hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">Baa1 <span class=\"ls0 ws0\">\u2013 </span>Ba<span class=\"_ _5\"></span>a2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f0b wf2 hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsa8 ws99\">BBB+ <span class=\"ls0 ws0\">\u2013 </span>BBB<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f0d wed hde\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 ls0 ws0\">3 </div></td><td></td><td class=\"c x42e y3f0d wdd hde\"><div class=\"t m2 x247 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">0,25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f0d wf4 hde\"><div class=\"t m2 x134 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">0,50<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f0d wf1 hde\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">Baa3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f0d wf2 hde\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsa8 ws99\">BBB<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f0e wed hda\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 ls0 ws0\">4 </div></td><td></td><td class=\"c x42e y3f0e wdd hda\"><div class=\"t m2 x247 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">0,50<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f0e wf4 hda\"><div class=\"t m2 x134 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">0,75<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f0e wf1 hda\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">Ba1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f0e wf2 hda\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsa8 ws99\">BB+<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f0f wed hdd\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">5 </div></td><td class=\"c x433 y3f10 w300 h4b2\"><div class=\"t m2 x3f4 hcc y3edf ff127 fs53 fc21 sc0 lsab wscb\">Moderat<span class=\"_ _1c5\"> </span></div></td><td class=\"c x42e y3f0f wdd hdd\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">0,75<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f0f wf4 hdd\"><div class=\"t m2 x134 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">1,25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f0f wf1 hdd\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">Ba2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f0f wf2 hdd\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsa8 ws99\">BB<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f11 wed hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">6 </div></td><td class=\"c x434 y3f12 w301 h4b2\"><div class=\"t m2 x3f4 hcc y3edf ff127 fs53 fc21 sc0 ls0 ws0\">risiko<span class=\"_ _1c5\"> </span></div></td><td class=\"c x42e y3f11 wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">1,25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f11 wf4 hdb\"><div class=\"t m2 x134 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">2,00<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y3f13 wed hde\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 ls0 ws0\">7 </div></td><td></td><td class=\"c x42e y3f13 wdd hde\"><div class=\"t m2 x247 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">2,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f13 wf4 hde\"><div class=\"t m2 x134 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">3,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f13 wf1 hde\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">Ba3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f13 wf2 hde\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsa8 ws99\">BB<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f14 wed hdd\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td></td><td class=\"c x42e y3f14 wdd hdd\"><div class=\"t m2 x247 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">3,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f14 wf4 hdd\"><div class=\"t m2 x134 hcc y1da9 ff127 fs53 fc21 sc0 lsab wscb\">5,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f14 wf1 hdd\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsa8 ws99\">B1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f14 wf2 hdd\"><div class=\"t m2 x19f hcc y1da9 ff127 fs53 fc21 sc0 lsa8 ws99\">B+<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f15 wed hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x40d y3f0c w73 h149\"><div class=\"t m2 x84 hcc y20ff ff127 fs53 fc21 sc0 ls0 wsa1\">H\u00f8y risiko<span class=\"ws0\"> </span></div></td><td class=\"c x42e y3f15 wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">5,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f15 wf4 hdb\"><div class=\"t m2 x134 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">8,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f15 wf1 hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsa8 ws99\">B2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f15 wf2 hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">B </div></td></tr><tr><td class=\"c x400 y3f16 wed hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x42e y3f16 wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsab wscb\">8,00<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x431 y3f16 wf4 hdb\"><div class=\"t m2 x247 hcc y1db0 ff127 fs53 fc21 sc0 lsa7 wsc9\">misligholdt <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x430 y3f16 wf1 hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 lsab wscd\">B3, Caa/<span class=\"_ _5\"></span>C<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x432 y3f16 wf2 hdb\"><div class=\"t m2 x19f hcc y1db0 ff127 fs53 fc21 sc0 ls0 ws0\">B-<span class=\"lsa7 wsd1\">, CCC/C</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff128 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x410 y3e64 w302 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff128 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Baser<span class=\"_ _5\"></span>t p\u00e5 DN<span class=\"_ _5\"></span>Bs ris<span class=\"_ _5\"></span>ikoklas<span class=\"_ _5\"></span>sifis<span class=\"_ _5\"></span>erings<span class=\"_ _5\"></span>system<span class=\"_ _5\"></span>, hvor <span class=\"_ _5\"></span>1 repres<span class=\"_ _5\"></span>enter<span class=\"_ _5\"></span>er lave<span class=\"_ _5\"></span>st og <span class=\"_ _5\"></span>10 h\u00f8y<span class=\"_ _5\"></span>est risi<span class=\"_ _5\"></span>ko<span class=\"_ _1c5\"> </span></span><span class=\"lsab wscd\">.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td></tr></table></div>Retningsl<span class=\"_ _1\"></span>injer for kredittvir<span class=\"_ _1\"></span>ksomhet<span class=\"ls0 ws0\"> </span>DNBs retningslinj<span class=\"_ _5\"></span>er og prosesser for kredittgivning er beskrevet<span class=\"_ _5\"></span> i konserninstruksen for kredittvirksom<span class=\"_ _5\"></span>het. Retningslinjene fasts<span class=\"_ _5\"></span>etter hvordan DNB skal yte og f\u00f8lge opp kreditt innenfor de ulike segmentene. Vurdering av nye kunder,<span class=\"_ _5\"></span> oppf\u00f8lging av friske kredittengasj<span class=\"_ _5\"></span>ementer, oppf\u00f8lging av kunder i finansielle vansk<span class=\"_ _5\"></span>eligheter og rutiner for h\u00e5ndtering av nedskrevne engas<span class=\"_ _5\"></span>jementer er beskrevet i detalj. I instruksen finnes det ogs\u00e5 <span class=\"ls0 ws0\"> </span>veiledning for \u00e5 sikre at all kreditt<span class=\"_ _5\"></span>givning skal ta hensyn til og st\u00f8tte opp om DNBs konsernpolicy for b\u00e6rekraft for \u00e5 sikre<span class=\"ls0 ws0\"> </span>langsiktig og b\u00e6re<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>kraftig finans<span class=\"_ _5\"></span>iell verdiskaping, og for \u00e5 hindre at det finansielle systemet misbruk<span class=\"_ _5\"></span>es til hvitvasking og terro<span class=\"wscf\">rfinansiering<span class=\"ls0 ws0\">.<span class=\"_ _1c5\"> </span></span></span>Kreditt<span class=\"_ _5\"></span>givningen i DNB er basert p\u00e5 fullmakts<span class=\"ls0 ws0\">- </span>og godkjennelsesmatriser. Et grunnl<span class=\"_ _5\"></span>eggende prinsipp er at det alltid kreves b\u00e5de en innstiller <span class=\"ls0 ws0\"> </span>og en beslutter. Matris<span class=\"_ _5\"></span>ene er differensiert p\u00e5 volum, risiko og eventuelt n\u00e6ring. Der hvor en lavrisikoeksponering t<span class=\"_ _5\"></span>il boligf<span class=\"wsd2\">inansi<span class=\"_ _5\"></span>ering kan v\u00e6re </span>begrenset til to involvert<span class=\"_ _5\"></span>e (innstiller og beslutter), vil innst<span class=\"_ _5\"></span>illingen for st\u00f8rre/kompliserte engasjem<span class=\"_ _5\"></span>enter <span class=\"wsd2\">ogs\u00e5 tilt<span class=\"_ _5\"></span>redes av senior k<span class=\"_ _5\"></span>redittsjef. <span class=\"_ _5\"></span>I till<span class=\"_ _5\"></span>egg </span>vil det s\u00f8kes r\u00e5dgivni<span class=\"_ _5\"></span>ng fra kredittkomiteer med eventuelt krav om involvering av spesialister f<span class=\"_ _5\"></span>ra en spesifikk bransje.<span class=\"ls0 ws0\"> </span>Utgangspunktet<span class=\"_ _5\"></span> for kredittgivningen er kundens gjeldsbet<span class=\"_ _5\"></span>jeningsevne basert p\u00e5 forventet framti<span class=\"_ _5\"></span>dig kontantstr\u00f8m, for eksempel <span class=\"wscf\">l\u00f8nns<span class=\"_ _5\"></span>inntekter </span>eller i<span class=\"_ _5\"></span>nntekter fra <span class=\"_ _5\"></span>forretningsvirksomheten s<span class=\"_ _5\"></span>om finansi<span class=\"_ _5\"></span>eres. Bankens ris<span class=\"_ _5\"></span>iko for f<span class=\"_ _5\"></span>ramtidig tap s<span class=\"_ _5\"></span>\u00f8kes ytterligere redus<span class=\"_ _5\"></span>ert igjennom k<span class=\"_ _5\"></span>rav om sikk<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>hetstill<span class=\"_ _5\"></span>else. Sikkerheter kan for eksempel v\u00e6re i form av fysisk sikkerhet (pant), garantier,<span class=\"_ _5\"></span> kontantdepot eller avtaler om m<span class=\"lsbd ws104\">ot<span class=\"_ _5\"></span></span>regning. Fysisk sikkerhet skal som hovedregel v\u00e6re fors<span class=\"_ _5\"></span>ikret. Negativ pantsettelse, hvor kunden forplik<span class=\"_ _5\"></span>ter seg til \u00e5 holde sine aktiva heftelsesfrie vis<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-\u00e0-</span>vis andre l\u00e5ngivere,<span class=\"_ _5\"></span> benyttes ogs\u00e5 som risikoreduserende element.<span class=\"ls0 ws0\"> </span>I tillegg til sikkerhet<span class=\"_ _5\"></span>er vil finansielle klausuler v\u00e6re inkludert i de fleste kreditt<span class=\"_ _5\"></span>avtaler for bedrifter. Disse klaus<span class=\"_ _5\"></span>ulene<span class=\"ls0 ws0\"> </span>er et ytterligere risiko<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>reduserende element<span class=\"_ _5\"></span> som sikrer at DNB tidlig blir oppmerksom p\u00e5 og involvert i eventuelle finansiell<span class=\"_ _5\"></span>e utfordringer. Eksempler p\u00e5 finansielle klausul<span class=\"_ _5\"></span>er er <span class=\"_ _1\"></span>krav<span class=\"_ _5\"></span> om minimum netto kontantstr\u00f8m og egenkapitalgrad.<span class=\"_ _1c5\"> </span>B\u00e6rek<span class=\"_ _1\"></span>raft i kr<span class=\"_ _1\"></span>edittv<span class=\"_ _1\"></span>irksom<span class=\"_ _1\"></span>heten<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Vurderinger av kundenes<span class=\"_ _5\"></span> b\u00e6rekraftsrisiko er integrert i DNBs kredittbesl<span class=\"_ _5\"></span>utningsprosess og styres i henhold til konsernpoli<span class=\"_ _5\"></span>cy for risikostyring, konsernpolicy f<span class=\"_ _5\"></span>or b\u00e6rekraft og konserninstruksen for b\u00e6rekraft i kredittvirks<span class=\"_ _5\"></span>omheten. If\u00f8lge instruksen skal aktiv<span class=\"_ _5\"></span>iteter hos en l\u00e5ntaker som p\u00e5virker b\u00e6rek<span class=\"_ _5\"></span>raftsrisiko analyseres i kredittsak<span class=\"_ _5\"></span>er p\u00e5 lik linje med an<span class=\"_ _1\"></span>dre muli<span class=\"_ _5\"></span>ge relevante risikodrivere. For engasjem<span class=\"_ _5\"></span>enter p\u00e5 opptil 8 millioner kroner skal b\u00e6rekraftsf<span class=\"_ _5\"></span>orhold av betydning kommenteres i kredittsaken,<span class=\"_ _5\"></span> og ved et<span class=\"ls0 ws0\"> </span>kredittengasjement p\u00e5 over 8 millioner k<span class=\"_ _5\"></span>roner skal b\u00e6rekrafts<span class=\"_ _5\"></span>risiko analyseres og kommenteres. For kunder med et samlet kredittengas<span class=\"_ _5\"></span>jement p\u00e5 50 millioner kroner eller mer skal<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">det i t<span class=\"_ _5\"></span>illegg </span>gj\u00f8res en risikoklass<span class=\"_ _5\"></span>ifisering ved hjelp av et egenutviklet verk<span class=\"wsd2\">t\u00f8y f<span class=\"_ _5\"></span>or vurdering av <span class=\"_ _5\"></span>b\u00e6rekraftsrisi<span class=\"_ _5\"></span>ko. Verkt\u00f8yet dekk<span class=\"_ _5\"></span>er fire tem<span class=\"_ _5\"></span>atiske omr\u00e5der: </span>klima, milj\u00f8, sosi<span class=\"_ _5\"></span>ale forhold og virksomhetsstyring. Klassif<span class=\"_ _5\"></span>iseringen deler kunden inn i kategoriene lav, moderat eller h\u00f8y b<span class=\"lsc1 ws116\">\u00e6rekraf<span class=\"_ _5\"></span>tsrisiko. I </span>arbeidet brukes et b\u00e6rekraf<span class=\"_ _5\"></span>tssk\u00e5rdiagram, som er sektorspesifik<span class=\"_ _5\"></span>t, slik at de mest vesentlige risikoene h\u00e5ndteres.<span class=\"_ _5\"></span> DNBs egne b\u00e6rekraftsv<span class=\"_ _5\"></span>urderinger suppleres med b\u00e6rekraftsanalys<span class=\"_ _5\"></span>er utf\u00f8rt av tredjeparter. B\u00e6rekraftsk<span class=\"_ _5\"></span>lassifiseringen er en viktig del av beslutni<span class=\"_ _5\"></span>ngsprosessen for etablering av nye kredittengas<span class=\"_ _5\"></span>jement.<span class=\"ls0 ws0\"> </span>Det er ogs\u00e5 utviklet et b\u00e6rekraftsskjem<span class=\"_ _5\"></span>a for kundedialog for \u00e5 sikre at kundene har en god <span class=\"_ _1\"></span>forst\u00e5el<span class=\"_ _5\"></span>se av hvilke b\u00e6rekraftsomr\u00e5der DNB anser som viktige i sin risikosty<span class=\"_ _5\"></span>ring. <span class=\"ls0 ws0\"> </span>Ved h\u00f8y b\u00e6rekraftsris<span class=\"_ _5\"></span>iko eskaleres kredittbesl<span class=\"_ _5\"></span>utningen til h\u00f8yeste beslutningsniv\u00e5 under styret. Kunder med h\u00f8y b\u00e6rekraftsri<span class=\"_ _5\"></span>siko m\u00e5 etablere en intern handlingsplan f<span class=\"_ _5\"></span>or \u00e5 f\u00f8lge opp temaene som gj\u00f8r at risikoen vurderes som h\u00f8y. Handlingsplanen skal gjelde for en 12<span class=\"ls0 ws0\">-</span><span class=\"wscf\">m\u00e5neders </span>periode, og m\u00e5 inneholde milep\u00e6ler og spesifis<span class=\"_ _5\"></span>ere personen som er ansvarlig. Handlingsplanen fungerer ogs\u00e5 som grunnlag for videre dialog med kunden. Risikomodell<span class=\"_ _5\"></span>en og prosessen vurderes jevnlig. <span class=\"ls0 ws0\"> </span>For kunder med moderat eller h\u00f8y b\u00e6rekraftsri<span class=\"_ _5\"></span>siko b\u00f8r det kommenteres i kredittdokumentasjonen spesifikt hvordan b\u00e6<span class=\"_ _5\"></span>rekraftsri<span class=\"wsd2\">siko k<span class=\"_ _5\"></span>an </span>p\u00e5virke kundenes framt<span class=\"_ _5\"></span>idige gjeldsbetjeningsev<span class=\"_ _5\"></span>ne. <span class=\"ls0 ws0\"> </span>Som en del av den generelle risikovurderingen, gj<span class=\"_ _5\"></span>\u00f8r DNB b\u00e5de kvalitative og kvantitative analys<span class=\"_ _5\"></span>er av fysisk klimarisiko og overgangsrisiko som kan  p\u00e5f\u00f8re banken kredittap under ulik<span class=\"_ _5\"></span>e scenarioer p\u00e5 kort, mellomlang og lang sikt. Analysene av klimarisiko er<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>integrert i DNBs risikostyri<span class=\"_ _5\"></span>ng. Les mer om hvilke klimarisik<span class=\"_ _5\"></span>oanalyser DNB har gjort i 2025, samt hvilke finansielle risikoer i kredittvi<span class=\"_ _5\"></span>rksomheten knyttet til klima DNB har identifis<span class=\"_ _5\"></span>ert i den doble vesentlighetsanalysen i delkapittel<span class=\"_ _5\"></span>et ESRS E1 Klimaendrin<span class=\"wscf\">ger. <span class=\"ls0 ws0\"> </span></span>Oppf\u00f8lging <span class=\"_ _5\"></span>av<span class=\"_ _5\"></span> kredi<span class=\"_ _5\"></span>ttrisiko<span class=\"ls0 ws0\"> </span>Friske kunder<span class=\"ls0 ws0\"> </span>Den \u00e5rlige oppdaterte risik<span class=\"_ _5\"></span>oklassifiseringen av kunder er en fullstendig gjennomgang av alle de risik<span class=\"_ _5\"></span>oer DNB avdekker knyttet<span class=\"ls0 ws0\"> </span>til hver kunde. En ny verdivurdering av al<span class=\"_ _5\"></span>le mottatte sikkerheter er en integrert del av denne vur<span class=\"wsd2\">deringen. B<span class=\"_ _5\"></span>eslutnings<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span></span>og fullmaktsmatrisene gjel<span class=\"_ _5\"></span>der ogs\u00e5 ved alle fornyelser av eksist<span class=\"_ _5\"></span>erende kreditter. Dette sikrer involvering av personell<span class=\"_ _5\"></span> med riktig kompetanse p\u00e5 alle st\u00f8rre og komplisert<span class=\"_ _5\"></span>e engasjementer. Friske kunder inkluderer ogs<span class=\"_ _5\"></span>\u00e5 kunder som har opplevd vesentlig \u00f8kning i kredi<span class=\"lsbf ws107\">ttri<span class=\"_ _1\"></span>siko<span class=\"_ _1\"></span>.<span class=\"ls0 ws0\"> </span></span>Personkunder f\u00f8l<span class=\"_ _5\"></span>ges opp l\u00f8pende gjennom et portef\u00f8ljestyringssyst<span class=\"_ _5\"></span>em. For spesielt identifisert<span class=\"_ _5\"></span>e engasjement med \u00f8kt kredittri<span class=\"wsd2\">siko <span class=\"_ _5\"></span>gj\u00f8res det </span>oppf\u00f8lging p\u00e5 individuelt<span class=\"_ _5\"></span> niv\u00e5<div class=\"c w73 h153 gse4\"><div class=\"t m2 x20e hcf y2180 ff132 fs55 fc21 sc0 lsaf wscf\">Watchlist<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2181 ff132 fs55 fc21 sc0 lsaf wsf6\">Watchlist er konsernets v<span class=\"_ _5\"></span>iktigste verkt\u00f8y for oppf\u00f8lging av bedriftskunder hvor k<span class=\"_ _5\"></span>redittrisiko har \u00f8kt. Kunder som er i brudd <span class=\"wsd2\">med finansielle </span></div><div class=\"t m2 x20e hcf y2182 ff132 fs55 fc21 sc0 lsaf wsf6\">klausul<span class=\"_ _5\"></span>er eller hvor det har oppst\u00e5tt en tapshendelse vurderes for oppf\u00f8ring p\u00e5 watchlist. Tapshendelser kan for ek<span class=\"wsd2\">s<span class=\"_ _5\"></span>empel v\u00e6re vesent<span class=\"_ _5\"></span>lige </span></div><div class=\"t m2 x20e hcf y2183 ff132 fs55 fc21 sc0 lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle problemer eller vesentlige endringer i markedsforhold.<span class=\"_ _5\"></span> I tillegg er det en integrert del av kredittprosessen \u00e5 vurdere hvorvidt h\u00f8y<span class=\"_ _5\"></span><span class=\"lsb9 wsff\">risiko<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y2184 ff132 fs55 fc21 sc0 lsaf wsf6\">kunder (klasse 8<span class=\"ls0 ws0\">-</span>10) skal sett<span class=\"_ _5\"></span>es p\u00e5 watchlist. Watchlistkunder f\u00f8lges opp ekst<span class=\"_ _5\"></span>ra tett. Det stilles krav til en hyppigere, ofte kvartalsvis,<span class=\"_ _5\"></span> risiko<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2185 ff132 fs55 fc21 sc0 lsaf wsf6\">vurdering med oppdat<span class=\"_ _5\"></span>ert verdivurdering av sikkerheter. I tillegg skal DNB utarbeide en handlings<span class=\"_ _5\"></span>plan for \u00e5 h\u00e5ndtere den risikosituasjonen s<span class=\"_ _5\"></span>om </div><div class=\"t m2 x20e hcf y2186 ff132 fs55 fc21 sc0 lsaf wsf6\">har oppst\u00e5tt. Denne ekstra tett<span class=\"_ _5\"></span>e oppf\u00f8lgingen av<span class=\"ls0 ws0\"> </span>kunder med \u00f8kte utfordringer er bas<span class=\"_ _5\"></span>ert p\u00e5 bankens er<span class=\"_ _1\"></span>faring m<span class=\"_ _5\"></span>ed at tett oppf\u00f8lging b\u00e5de redu<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2187 ff132 fs55 fc21 sc0 lsaf wsf6\">serer risikoen for at det oppst\u00e5r tap og minimerer de tap som faktisk oppst\u00e5r. Ved hver gjennom<span class=\"_ _5\"></span>gang a<span class=\"_ _1\"></span>v engasjem<span class=\"_ _5\"></span>enter p\u00e5 watch<span class=\"lsb9 wscf\">list v<span class=\"_ _1\"></span>il det bli </span></div><div class=\"t m2 x20e hcf y2188 ff132 fs55 fc21 sc0 lsaf wsf6\">gjort en individuel<span class=\"_ _5\"></span>l vurdering av behovet for nedskrivning. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2189 ff132 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y218a ff132 fs55 fc21 sc0 lsaf wscf\">Betalingsl<span class=\"_ _5\"></span>ettelser<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y218b ff132 fs55 fc21 sc0 lsaf wsf6\">Dersom en kunde kommer i finansielle vanskelighet<span class=\"_ _5\"></span>er kan DNB i enkelte tilfeller innvilge lettelser i form av mindre strenge finans<span class=\"_ _5\"></span>ielle klausuler </div><div class=\"t m2 x20e hcf y218c ff132 fs55 fc21 sc0 lsaf wsf6\">eller reduserte/<span class=\"_ _5\"></span>utsatte rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og avdragsbetal<span class=\"_ _5\"></span>inger. Denne t<span class=\"_ _5\"></span>ypen virkemidler y<span class=\"_ _5\"></span>tes i <span class=\"_ _5\"></span>samsvar med kons<span class=\"_ _5\"></span>ernets kre</span>dittret<span class=\"_ _5\"></span>ningslinjer. Hensikt<span class=\"_ _5\"></span>en er \u00e5 </div><div class=\"t m2 x20e hcf y218d ff132 fs55 fc21 sc0 lsaf wsf6\">bist\u00e5 kunden gjennom \u00f8konomisk krev<span class=\"_ _5\"></span>ende perioder n\u00e5r man forventer at kunden vil kunne m\u00f8te sine forpliktelser p\u00e5 et senere tids<span class=\"_ _5\"></span>punkt. Dette </div><div class=\"t m2 x20e hcf y218e ff132 fs55 fc21 sc0 lsaf wsf6\">er en del av DNBs strategi for \u00e5 begrense tap.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y218f ff132 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2190 ff132 fs55 fc21 sc0 lsbb ws102\">DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernets<span class=\"_ _5\"></span> samlede eksponering med innvilgede betalingslettel<span class=\"_ _5\"></span>ser, i henhold til CRD</span>-<span class=\"lsaf wsf6\">definis<span class=\"_ _5\"></span>jon av \u00abforbearance\u00bb, er vist i tabellen under.</span> </span></div><div class=\"t m2 x20e hcf y2191 ff132 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gse5\"><table class=\"s w303 h4bd\" id=\"_ff5e58f5-4435-4cd0-9ddd-b28de80f0fbd\"><tr><td class=\"c x3db y3f17 w10c h139\"><div class=\"t m2 x19f hd1 y2193 ff131 fs55 fc21 sc0 lsaf wscf\">Forbearance<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x435 y3f18 w10e hd7\"><div class=\"t m2 x1df hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y3f18 w10f hd7\"><div class=\"t m2 x9f hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y3f19 w10c h13b\"><div class=\"t m2 x19f hd8 y1db0 ff133 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y3f19 w6e h13b\"><div class=\"t m2 x209 hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y3f19 w6f h13b\"><div class=\"t m2 x209 hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y3f19 w10d h13b\"><div class=\"t m2 x19e hcc y1db0 ff132 fs53 fc21 sc0 lsab wscb\">Total<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y3f19 w6e h13b\"><div class=\"t m2 x209 hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y3f19 w6f h13b\"><div class=\"t m2 x209 hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y3f19 w6e h13b\"><div class=\"t m2 x204 hcc y1db0 ff132 fs53 fc21 sc0 lsab wscb\">Total<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y3f1a w10c hdd\"><div class=\"t m2 x19f hcc y1db0 ff132 fs53 fc21 sc0 lsab wsd0\">Brutto bokf<span class=\"_ _5\"></span>\u00f8rt verdi og utt<span class=\"_ _5\"></span>rukne ram<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y3f1a w6e hdd\"><div class=\"t m2 x19e hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">597</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y3f1a w6f hdd\"><div class=\"t m2 x2d7 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">474</span> </div></td><td class=\"c x438 y3f1a w10d hdd\"><div class=\"t m2 x1e4 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">29</span> <span class=\"lsab wscb\">071</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y3f1a w6e hdd\"><div class=\"t m2 x19e hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">735</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y3f1a w6f hdd\"><div class=\"t m2 x19e hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">040</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y3f1a w6e hdd\"><div class=\"t m2 x19e hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">775</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y3f1b w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff132 fs53 fc21 sc0 lsab wscd\">Forventet<span class=\"_ _5\"></span> kredi<span class=\"_ _5\"></span>ttap<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y3f1b w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">147</span> </div></td><td class=\"c x437 y3f1b w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">766</span> </div></td><td class=\"c x438 y3f1b w10d hdb\"><div class=\"t m2 x20f hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">914</span> </div></td><td class=\"c x436 y3f1b w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">57</span> </div></td><td class=\"c x3dd y3f1b w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">876</span> </div></td><td class=\"c x3de y3f1b w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff132 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">933</span> </div></td></tr></table></div><div class=\"c w73 h153 gse4\"><div class=\"t m2 x20e hcf y2197 ff132 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2198 ff132 fs55 fc21 sc0 lsaf wsf6\">Kredittforri<span class=\"_ _5\"></span>nget portef\u00f8lje<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2199 ff132 fs55 fc21 sc0 lsaf wsf6\">Ved kredittforringel<span class=\"_ _5\"></span>se er det sv\u00e6rt tett oppf\u00f8lging av kundene og det er konsernets erfaring at oppf\u00f8lging i denne fasen krev<span class=\"lsc1 ws116\">er ekst<span class=\"_ _5\"></span>ra ressurser. </span></div><div class=\"t m2 x20e hcf y219a ff132 fs55 fc21 sc0 lsaf wsf6\">Kundeengasjem<span class=\"_ _5\"></span>ent som faller inn i denne kategorien vil enten i sin helhet bli overf\u00f8rt til egen enhet med spis<span class=\"wsd2\">skompetanse ell<span class=\"_ _5\"></span>er kundeteamet v<span class=\"_ _5\"></span>il </span></div><div class=\"t m2 x20e hcf y219b ff132 fs55 fc21 sc0 lsaf wsf6\">bli utvidet med personer fra samme enhet. <span class=\"ff133 ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y219c ff132 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y219d ff132 fs55 fc21 sc0 lsaf wsf6\">Overtatte selsk<span class=\"_ _5\"></span>aper og eiendeler<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y219e ff132 fs55 fc21 sc0 lsaf wsf6\">I forbindelse med oppf\u00f8lging av misli<span class=\"_ _5\"></span>gholdte engasjementer vil DNB i noen tilfeller overta eiendeler som er stilt som sikkerhet for l\u00e5n og garan<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y219f ff132 fs55 fc21 sc0 lsaf wsf6\">tier. Alle overt<span class=\"_ _5\"></span>atte eiendeler f\u00f8lges vanligvis opp av enheten for konserninves<span class=\"_ _5\"></span>teringer, som har som hovedm\u00e5l \u00e5<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">sikre/gjenvi<span class=\"_ _5\"></span>nne verdier for </span></div><div class=\"t m2 x20e hcf y21a0 ff132 fs55 fc21 sc0 lsbf ws107\">aksjo<span class=\"lsaf wsf6\">n<span class=\"_ _1\"></span>\u00e6rene i DNB gjennom finansiell restruktureri<span class=\"_ _5\"></span>ng ved overtakelse av selskaper og eiendeler som f\u00f8lge av mislighold. P\u00e5 </span></div><div class=\"t m2 x20e hcf y21a1 ff132 fs55 fc21 sc0 lsaf wsf6\">overtak<span class=\"_ _5\"></span>elsestidspunktet verdsettes slik<span class=\"_ _5\"></span>e eiendeler til antatt realisasjonsv<span class=\"_ _5\"></span>erdi. Avvik fra balansef\u00f8rt verdi av eksponeringene p\u00e5 </div><div class=\"t m2 x20e hcf y21a2 ff132 fs55 fc21 sc0 lsaf wsf6\">oppkj\u00f8psti<span class=\"_ _5\"></span>dspunktet blir klassifisert som<span class=\"_ _5\"></span> nedskrivninger p\u00e5 utl\u00e5n og garantier i resultatregnskapet. Ov<span class=\"_ _5\"></span>ertatte eiendeler innregnes i balansen og </div><div class=\"t m2 x20e hcf y21a3 ff132 fs55 fc21 sc0 lsaf wsf6\">m\u00e5les etter f\u00f8rst<span class=\"_ _5\"></span>egangsinnregning i henhold til reglene som gjelder for eiendelen s<span class=\"_ _5\"></span>om er overtatt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y21a4 ff132 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y21a5 ff131 fs5a fc21 sc0 lsc0 ws108\">Motpartsri<span class=\"_ _5\"></span>siko for<span class=\"_ _5\"></span> derivat<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y21a6 ff132 fs55 fc21 sc0 lsaf wsf6\">DNB inng\u00e5r derivathandler p\u00e5 bakgrunn av kundeett<span class=\"_ _5\"></span>ersp\u00f8rsel og for \u00e5 sikre posisjoner som oppst\u00e5r ved slik aktivitet. I tillegg benyttes derivat<span class=\"_ _5\"></span>er </div><div class=\"t m2 x20e hcf y21a7 ff132 fs55 fc21 sc0 lsaf wsf6\">til sikring av posisjoner i<span class=\"_ _5\"></span> handelsportef\u00f8ljen og til \u00e5 ta posisjoner i rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">, val<span class=\"_ _5\"></span>uta<span class=\"ls0 ws0\">-<span class=\"lsc1 ws116\">, r\u00e5vare</span>-</span></span>, og aksjemarkedet. Derivater benytt<span class=\"_ _5\"></span>es ogs\u00e5 for \u00e5 sikre </div><div class=\"t m2 x20e hcf y21a8 ff132 fs55 fc21 sc0 lsaf wscf\">valuta<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og renterisik<span class=\"_ _5\"></span>o som oppst\u00e5r i forbindelse med inn<span class=\"ls0 ws0\">- </span>og utl\u00e5n. Derivatkontrakter handles oft<span class=\"_ _5\"></span>est \u00abover the counter\u00bb (OTC), som inneb\u00e6rer at </span></div><div class=\"t m2 x20e hcf y21a9 ff132 fs55 fc21 sc0 lsaf wsf6\">enkeltkont<span class=\"_ _5\"></span>rakter blir inng\u00e5tt mellom de individuelle partene. Kreditt<span class=\"_ _5\"></span>risikoen som oppst\u00e5r i forbindelse med handel i deriv<span class=\"_ _5\"></span>ater inng\u00e5r i m\u00e5lingen av </div><div class=\"t m2 x20e hcf y21aa ff132 fs55 fc21 sc0 lsaf wsd2\">kreditt<span class=\"_ _5\"></span>risiko i DNB.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y21ab ff132 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y21ac ff132 fs55 fc21 sc0 lsaf wsf6\">Motregnings<span class=\"_ _5\"></span>avtaler og bilaterale sikkerhetsavtal<span class=\"_ _5\"></span>er benyttes som et virkemiddel for \u00e5 redusere motpartsrisikoen ved enk<span class=\"_ _5\"></span>eltmotp<span class=\"lsc1 ws116\">arter. Slike </span></div><div class=\"t m2 x20e hcf y21ad ff132 fs55 fc21 sc0 lsaf wsf6\">avtaler gj\u00f8r det mulig \u00e5 motregne alle positive og negati<span class=\"_ _5\"></span>ve markedsverdier knyttet til kontrakt<span class=\"_ _5\"></span>er med individuelle mot<span class=\"wsd2\">parter. E<span class=\"_ _5\"></span>n annen ty<span class=\"_ _5\"></span>pe </span></div><div class=\"t m2 x20e hcf y21ae ff132 fs55 fc21 sc0 lsaf wsf6\">risikoreduserende t<span class=\"_ _5\"></span>iltak er etablering av CSA<span class=\"ls0 ws0\">-</span>avtal<span class=\"_ _5\"></span>er (Credit Support Annex). Slike avtaler er inng\u00e5tt med de flest<span class=\"_ _5\"></span>e store bankmotpartene og </div><div class=\"t m2 x20e hcf y21af ff132 fs55 fc21 sc0 lsaf wsf6\">andre finansi<span class=\"_ _5\"></span>elle mot<span class=\"wsd2\">parter, samt et s<span class=\"_ _5\"></span>tadig \u00f8kende ant<span class=\"_ _5\"></span>all ikke<span class=\"ls0 ws0\">-</span></span>finans<span class=\"_ _5\"></span>ielle motparter. En CSA<span class=\"ls0 ws0\">-</span>avtale inneb\u00e6rer at sikkerhet st<span class=\"_ _5\"></span>illes for \u00e5 redusere </div><div class=\"t m2 x20e hcf y21b0 ff132 fs55 fc21 sc0 lsaf wsf6\">motpartsris<span class=\"_ _5\"></span>ikoen, og verdien av derivatet og sikkerheten beregnes daglig. Sikk<span class=\"_ _5\"></span>erhet stilles ofte i kontanter, men ogs\u00e5 andre typer egnet </div><div class=\"t m2 x20e hcf y21b1 ff132 fs55 fc21 sc0 lsaf wsf6\">sikkerhet blir benyttet.<span class=\"_ _5\"></span> Avtalene er normalt ikke avhengig av motpartens kredittkv<span class=\"_ _5\"></span>alitet, men noen avtaler stipulerer at niv\u00e5et for maksimal </div><div class=\"t m2 x20e hcf y21b2 ff132 fs55 fc21 sc0 lsaf wsd2\">eksponering f<span class=\"_ _5\"></span>\u00f8r sikk<span class=\"_ _5\"></span>erheter kreves (grens<span class=\"_ _5\"></span>e<span class=\"wsf6\">verdien) skal reduseres hvis motparten blir nedgradert<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y21b3 ff132 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y21b4 ff132 fs55 fc21 sc0 lsaf wsf6\">Ulike renteprodukt<span class=\"_ _5\"></span>er (renteswapper og Forward Rate Agreements (FRAs) i ulike valutaer) mot<span class=\"_ _5\"></span>regnes via s\u00e5kalte clearingsentrale<span class=\"lsbd\">r<span class=\"_ _5\"></span>, s<span class=\"_ _5\"></span>om<span class=\"_ _5\"></span> for<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x20e hcf y21b5 ff132 fs55 fc21 sc0 lsaf wsf6\">eksempel LCH SwapClear. P\u00e5 denne m\u00e5ten flyttes motparts<span class=\"_ _5\"></span>risikoen for DNB fra en enkeltmotpart til clearingsentralen. Aksj<span class=\"_ _5\"></span>eterminer, verdi<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y21b6 ff132 fs55 fc21 sc0 lsaf wsf6\">papirl\u00e5n og valutat<span class=\"_ _5\"></span>rading for privatkunder f\u00f8lges opp og verdiendringer evalueres dagli<span class=\"_ _5\"></span>g. Sikkerheter utveksles i henhold til<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span><span class=\"wscf\">marginavtaler.<span class=\"ls0 ws0\"> </span></span></div></div><div class=\"gse7\"><table class=\"s w304 h4be\" id=\"_01919e24-ea0e-4c11-ac9e-2784c623308f\"><tr><td class=\"c x3f6 y3f22 w305 h4bf\"><div class=\"t m2 x3f4 h12c y3f1c ff135 fs59 fc21 sc0 lsb7 wsfd\">De vikti<span class=\"_ _5\"></span>gste kompone<span class=\"_ _5\"></span>ntene for<span class=\"_ _5\"></span> m\u00e5ling av for<span class=\"_ _5\"></span>ventet kre<span class=\"_ _5\"></span>dittap</div><div class=\"t m2 x3f4 hcf y3f1d ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f1e ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f1f ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f20 ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f21 ff134 fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3f3d w306 h4c0\"><div class=\"t m2 x439 hcc y3edf ff134 fs53 fc21 sc0 lsb3 wsf3\">IFRS 9<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y3f23 ff134 fs55 fc21 sc0 lsaf wsf6\">Nedskrivninger er beregnet<span class=\"_ _5\"></span> ved bruk av forventet kredittap<span class=\"ls0 ws0\">-</span>modellen p\u00e5 f\u00f8lgende instrument<span class=\"_ _5\"></span>er som ikke er balansef\u00f8rt til virkelig verdi over </div><div class=\"t m2 x3f4 hcf y3f24 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">leasingf<span class=\"_ _5\"></span>ordringer</span> </span></div><div class=\"t m2 x3f4 hcf y3f25 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">utstedte l<span class=\"_ _5\"></span>\u00e5netilsagn</span> </span></div><div class=\"t m2 x3f4 hcf y3f26 ff134 fs55 fc21 sc0 lsaf wsf6\">ECL knyttet til ubenytt<span class=\"_ _5\"></span>ede deler av l\u00e5netilsagn er inkludert i linjen \u00abAvsetninger\u00bb i balansen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f27 ff134 fs55 fc21 sc0 lsaf wsf6\">DNB har en modell for beregning av forventede kredittap hvor l\u00e5n til kunder, l\u00e5netilsagn,<span class=\"_ _5\"></span> finansielle garantikont<span class=\"_ _5\"></span>rakter og andre finansielle </div><div class=\"t m2 x3f4 hcf y3f28 ff134 fs55 fc21 sc0 lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter som er innenfor virkeomr\u00e5det for nedskrivni<span class=\"_ _5\"></span>ngsreglene i IFRS 9, fordeles i tre grupper:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f29 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Et finansiel<span class=\"_ _5\"></span>t instrument som ikke er kj\u00f8pt eller opprettet kredittf<span class=\"_ _5\"></span>orringet ved f\u00f8rstegangsinnregning, er klassif<span class=\"_ _5\"></span>isert i gruppe 1 med 12</span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x43a hcf y3f2a ff134 fs55 fc21 sc0 lsaf wsd2\">m\u00e5neders ECL.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f2b ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Dersom det er vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko etter f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng, flyttes det finansi<span class=\"_ _5\"></span>elle instrumentet til gruppe 2</span> <span class=\"lsaf wsd2\">og m\u00e5les <span class=\"_ _5\"></span>til ECL i </span></span></div><div class=\"t m2 x43a hcf y3f2c ff134 fs55 fc21 sc0 lsaf wsf6\">leveti<span class=\"_ _5\"></span>den til instrumentet. Endringer i kredittris<span class=\"_ _5\"></span>iko reflekterer b\u00e5de kundespesifikk<span class=\"_ _5\"></span>e omstendigheter og utvikl<span class=\"wsd2\">ing <span class=\"_ _5\"></span>i relevante mak<span class=\"_ _5\"></span>rofaktorer for </span></div><div class=\"t m2 x43a hcf y3f2d ff134 fs55 fc21 sc0 lsaf wsf6\">det segmentet kunden tilh\u00f8rer.<span class=\"_ _5\"></span> Vurderingen av hva som utgj\u00f8r vesentlig \u00f8kning i risiko er basert p\u00e5 en kombinasjon av kvantitative og </div><div class=\"t m2 x3f4 hcf y3f2e ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Dersom kredittri<span class=\"_ _5\"></span>sikoen svekkes ytterligere, og det finansiell<span class=\"_ _5\"></span>e instrumentet er vurdert \u00e5 v\u00e6re kredittforringet, bl<span class=\"_ _5\"></span>ir instrume<span class=\"lsbc ws10c\">ntet fl<span class=\"_ _1\"></span>yttet<span class=\"_ _1\"></span> til </span></span></span></div><div class=\"t m2 x43a hcf y3f2f ff134 fs55 fc21 sc0 lsaf wscf\">gruppe<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">3, og ECL m\u00e5les for instrumentets lev<span class=\"_ _5\"></span>etid. I motsetning til gruppe 1 og 2 beregnes effektiv rente p\u00e5 amortisert kost i stedet for brutto </span></div><div class=\"t m2 x43a hcf y3f30 ff134 fs55 fc21 sc0 lsaf wscf\">balanse<span class=\"wsf6\">f\u00f8<span class=\"_ _5\"></span>rt verdi. For definisjon av kredittforringet,<span class=\"_ _5\"></span> se n\u00e6rmere beskrivelse nedenfor.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 hcf y3f31 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">12</span>-<span class=\"lsaf wsf6\">m\u00e5neders ECL m\u00e5les som den delen av ECL som utgj\u00f8r forventede kreditt<span class=\"_ _5\"></span>ap som kan oppst\u00e5 som f\u00f8lge av mislighold i l\u00f8pet av de </span></span></div><div class=\"t m2 x43a hcf y3f32 ff134 fs55 fc21 sc0 lsaf wsf6\">neste 12 m\u00e5nedene.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f33 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Tapsavset<span class=\"_ _5\"></span>ningen for finansielle instrumenter i gruppe 1 og 2 er beregnet som n\u00e5verdien av eksponering ved mislighol<span class=\"_ _5\"></span>d (eksponering ved </span></span></div><div class=\"t m2 x43a hcf y3f34 ff134 fs55 fc21 sc0 lsaf wsf6\">mislighold, EAD) multi<span class=\"_ _5\"></span>plisert med sannsynlighet for misli<span class=\"_ _5\"></span>ghold (probability of default, PD) multiplisert<span class=\"_ _5\"></span> med tapsgrad ved mislighold (loss </div><div class=\"t m2 x43a hcf y3f35 ff134 fs55 fc21 sc0 lsaf wsf6\">given default, LGD), og diskontert<span class=\"_ _5\"></span> ved \u00e5 anvende den effektive rente<span class=\"ls0 ws0\">-</span>metoden (eff<span class=\"_ _5\"></span>ective interest rate, EIR). PD, LGD og EAD tar </div><div class=\"t m2 x43a hcf y3f36 ff134 fs55 fc21 sc0 lsaf wsf6\">utgangspunkt i IRB<span class=\"ls0 ws0\">-</span>rammeverk<span class=\"_ _5\"></span>et, men er konvertert til \u00e5 bli forventningsrett og fremadskuende,<span class=\"_ _5\"></span> i motsetning til<span class=\"ls0 ws0\"> </span>konservativ og </div><div class=\"t m2 x43a hcf y3f37 ff134 fs55 fc21 sc0 lsaf wscf\">konjunkturuav<span class=\"_ _5\"></span>hengig. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f38 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Relevant og tilgjengel<span class=\"_ _5\"></span>ig historisk, aktuell og fremadskuende informasjon er brukt for \u00e5 estim<span class=\"_ _5\"></span>ere ECL. Til dette form\u00e5let er D<span class=\"lsbd ws117\">NBs<span class=\"_ _5\"></span> po<span class=\"_ _5\"></span>rt<span class=\"_ _5\"></span>ef\u00f8<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>je </span></span></span></div><div class=\"t m2 x43a hcf y3f39 ff134 fs55 fc21 sc0 lsaf wsd2\">delt i<span class=\"_ _5\"></span>nn i <span class=\"wscf\">15<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">segmenter bas<span class=\"_ _5\"></span>ert p\u00e5 geografi og bransje. Alle kunder innenfor samme segment er eksponert mot de samme risikodriv<span class=\"_ _5\"></span>erne. <span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y3f3a ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">For finansiel<span class=\"_ _5\"></span>le instrumenter som er kredittforringet i gruppe 3, foretas det enten indivi<span class=\"_ _5\"></span>duelle vurderinger eller modellberegni<span class=\"_ _5\"></span>nger av ECL </span></span></div><div class=\"t m2 x43a hcf y3f3b ff134 fs55 fc21 sc0 lsaf wsf6\">avhengig av portef\u00f8lj<span class=\"_ _5\"></span>e.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f3c ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">For gruppe 1 og 2 anvendes en modell for \u00e5 beregne ECL. </span> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y3f3e w112 h14f\"><div class=\"t m2 x19f hcc y1dc1 ff134 fs53 fc21 sc0 lsab wscb\">gruppe<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3f6 y3f40 w307 h4c1\"><div class=\"t m2 x43b hcc y3e5d ff134 fs53 fc21 sc0 lsa7 wsd1\">Utvikling i kredittrisiko<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f3f ff134 fs55 fc21 sc0 lsaf wscf\">resultat<span class=\"_ _5\"></span>et:<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3f6 y3f40 w308 h4c2\"><div class=\"t m2 x43c hcc y3e5d ff134 fs53 fc21 sc0 lsab wscb\">Kundest<span class=\"_ _5\"></span>atus<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f41 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">utstedte f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>garantier</span> </span></div></td><td class=\"c x3f6 y3f40 w309 h4c3\"><div class=\"t m2 x43d hcc y3e5d ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-</span>m\u00e5ling<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f42 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle eiendeler som er gjeldsinstrumenter</span> </span></div><div class=\"t m2 x43a hcf y3f43 ff134 fs55 fc21 sc0 lsaf wsf6\">kvalitativ<span class=\"_ _5\"></span>e indikatorer i tillegg til absolutte krit<span class=\"_ _5\"></span>erier. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f44 ff134 fs55 fc21 sc0 lsaf wsf6\">M\u00e5ling av forventet kredittap bygger p\u00e5 f<span class=\"_ _5\"></span>\u00f8lgende prinsipper:<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f3e w96 h14f\"><div class=\"t m2 x19f hcc y1dc1 ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">m\u00e5leme<span class=\"_ _5\"></span>tode</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y3f3e w116 h14f\"><div class=\"t m2 x19f hcc y1dc1 ff134 fs53 fc21 sc0 lsab wsd0\">Effektiv re<span class=\"_ _5\"></span>ntebe<span class=\"_ _5\"></span>regni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f45 w112 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x440 y3f45 w113 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Ikke vese<span class=\"_ _5\"></span>ntlig<span class=\"_ _5\"></span> \u00f8knin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x441 y3f45 w114 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsb3 ws121\">Frisk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x442 y3f45 w115 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">12 m\u00e5ned<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f45 w96 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">modell</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y3f45 w116 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Brutto b<span class=\"_ _5\"></span>alansef<span class=\"_ _5\"></span>\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f46 w112 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x440 y3f46 w113 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wsd0\">Vesentl<span class=\"_ _5\"></span>ig \u00f8kning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x441 y3f46 w114 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsb3 ws121\">Frisk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x442 y3f46 w115 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscb\">Levetid<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f46 w96 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">modell</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y3f46 w116 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Brutto b<span class=\"_ _5\"></span>alansef<span class=\"_ _5\"></span>\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f47 w112 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x440 y3f47 w113 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsa7 wsc9\">Misligholdt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x441 y3f47 w114 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x442 y3f47 w115 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscb\">Levetid<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f47 w96 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Individu<span class=\"_ _5\"></span>ell m<span class=\"_ _5\"></span>\u00e5ling p<span class=\"_ _5\"></span>er kun<span class=\"_ _5\"></span>de / ECL<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscb\">model<span class=\"_ _5\"></span>l</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x43f y3f47 w116 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsb2 wsf2\">Amorti<span class=\"_ _5\"></span>sert k<span class=\"_ _5\"></span>ost<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h14e gse8\"><div class=\"t m2 x248 hcf y216e ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y216f ff135 fs5a fc21 sc0 lsba ws105\">M\u00e5ling av for<span class=\"_ _1\"></span>ventet kredittap i ECL<span class=\"ls0 ws0\">-</span><span class=\"ws101\">model<span class=\"_ _1\"></span>l<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2170 ff134 fs55 fc21 sc0 lsaf wsf6\">Modellen som benyttes f\u00f8lger f<span class=\"_ _5\"></span>em steg: segmentering, bestemme makroscenarier, bestemme kredittsyk<span class=\"_ _5\"></span>lus, beregning av forventet tap og </div><div class=\"t m2 x248 hcf y2171 ff134 fs55 fc21 sc0 lsaf wsf6\">vesentlig endri<span class=\"_ _5\"></span>ng i kredittrisiko. I det etterf\u00f8lgende vil hvert enkelt steg bli beskrevet i mer detalj.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2172 ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y2173 ff135 fs59 fc21 sc0 lsb7 wsfd\">Segment<span class=\"_ _5\"></span>ering,<span class=\"_ _5\"></span> makrosce<span class=\"_ _5\"></span>narier og kre<span class=\"_ _5\"></span>dittsyklusi<span class=\"_ _5\"></span>ndeks<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2174 ff134 fs55 fc21 sc0 lsaf wsf6\">Vurderingen av vesentl<span class=\"_ _5\"></span>ig \u00f8kning i kredittrisiko og beregning av ECL tar hensyn til tilgjengelig og relevant historis<span class=\"_ _5\"></span>k, aktuel<span class=\"wsd2\">l og f<span class=\"_ _5\"></span>remadskuende </span></div><div class=\"t m2 x248 hcf y2175 ff134 fs55 fc21 sc0 lsaf wscf\">informasjon.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2176 ff134 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2177 ff134 fs55 fc21 sc0 lsaf wsf6\">For \u00e5 reflektere effekt<span class=\"_ _5\"></span>en av makrodrivere p\u00e5 en rimelig og dokumenterbar m\u00e5te har DNB delt opp portef\u00f8ljen med finansielle ins<span class=\"_ _5\"></span>trumenter i <span class=\"wscf\">15<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2178 ff134 fs55 fc21 sc0 lsaf wsf6\">segmenter med sammenfall<span class=\"_ _5\"></span>ende risikodrivere. Segmenteringen er gjort p\u00e5 grunnl<span class=\"_ _5\"></span>ag av kundens bransje og geografiske tilh\u00f8righet<span class=\"_ _5\"></span>. Omtrent </div><div class=\"t m2 x248 hcf y2179 ff134 fs55 fc21 sc0 lsaf wsf6\">halvparten av bransjene opererer i et<span class=\"_ _5\"></span> globalt marked hvor det p\u00e5virkes av globale risikofaktorer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y217a ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y217b ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y217c ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y217d ff134 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K6 M\u00e5ling a<span class=\"_ _1\"></span>v forvente<span class=\"_ _1\"></span>t kredittap<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h153 gseb\"><div class=\"t m2 x20e hcf y2223 ff13e fs55 fc21 sc0 lsaf wsf6\">P\u00e5 grunnlag av en statistisk regresjons<span class=\"_ _5\"></span>analyse er viktige risikodriv<span class=\"_ _5\"></span>ere med p\u00e5virkning p\u00e5 PD identifisert for de ulike segmen<span class=\"wsd2\">tene. Vurderingene </span></div><div class=\"t m2 x20e hcf y2224 ff13e fs55 fc21 sc0 lsaf wsf6\">som er benyttet til utvel<span class=\"_ _5\"></span>gelsen av <span class=\"_ _1\"></span>de ulik<span class=\"_ _5\"></span>e risikodriverne, baserer seg p\u00e5 flere kriterier: den statis<span class=\"_ _5\"></span>tiske modellens forklaringskraf<span class=\"_ _5\"></span>t, en kvalitativ </div><div class=\"t m2 x20e hcf y2225 ff13e fs55 fc21 sc0 lsaf wsf6\">rimelighetss<span class=\"_ _5\"></span>jekk (for eksempel om det er fornuftig \u00e5 inkludere risikodriveren) og et m\u00e5l om ikke \u00e5 ha for mange faktorer side<span class=\"wsd2\">n det v<span class=\"_ _5\"></span>il \u00f8ke kom<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y2226 ff13e fs55 fc21 sc0 lsaf wscf\">pleksi<span class=\"wsf6\">tet<span class=\"_ _5\"></span>en un\u00f8dvendig. Relevante makrodrivere er vist i tabellen nedenfor.<span class=\"_ _5\"></span> Deres p\u00e5virkning p\u00e5 ECL vil variere fra instrument til instrument.<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x20e hcf y2227 ff13e fs55 fc21 sc0 lsaf wsf6\">Prognoser for hver av de relevante risikodriv<span class=\"_ _5\"></span>erne (grunnleggende \u00f8konomisk scenario) bli<span class=\"_ _5\"></span>r prim\u00e6rt utarbeidet kvartalsvis og utgj\u00f8r beste </div><div class=\"t m2 x20e hcf y2228 ff13e fs55 fc21 sc0 lsaf wsf6\">estimat p\u00e5 utvikli<span class=\"_ _5\"></span>ngen i risikodrivere i prognoseperioden. Prognoseperiodene s<span class=\"_ _5\"></span>om er innarbeidet i segmentene varierer mellom tre og fire \u00e5r og </div><div class=\"t m2 x20e hcf y2229 ff13e fs55 fc21 sc0 lsaf wsf6\">prognosene utarbeides<span class=\"_ _5\"></span> for hvert \u00e5r i prognoseperioden. Makroprognosene innhentes vanli<span class=\"_ _5\"></span>gvis fra DNB <span class=\"wscf\">Carnegie<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">med int<span class=\"_ _5\"></span>erne kilder s<span class=\"_ _5\"></span>om </span></span></div><div class=\"t m2 x20e hcf y222a ff13e fs55 fc21 sc0 lsaf wsf6\">supplement, og benchm<span class=\"_ _5\"></span>arkes mot u<span class=\"wsd2\">like eksterne ki<span class=\"_ _5\"></span>lder. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y222b ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y222c ff13e fs55 fc21 sc0 lsaf wsf6\">Makroprognosene i<span class=\"_ _5\"></span>nnarbeides i kredittsyklusindeks<span class=\"_ _5\"></span>en (credit cycle index, CCI). CCI viser sammenhengen mellom historisk obs<span class=\"_ _5\"></span>erv<span class=\"wsd2\">erte mislig<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y222d ff13e fs55 fc21 sc0 lsaf wsf6\">hold og relevante makrofakt<span class=\"_ _5\"></span>orer. Plasseringen p\u00e5 indeksen indikerer om den n\u00e5v\u00e6rende tilst<span class=\"_ _5\"></span>anden i \u00f8konomien for et gitt<span class=\"ls0 ws0\"> </span>segment er bedre </div><div class=\"t m2 x20e hcf y222e ff13e fs55 fc21 sc0 lsaf wsf6\">eller verre enn normalt. P<span class=\"_ _5\"></span>rognosene blir brukt til \u00e5 framskrive utviklingen for indeksen i prognoseperi<span class=\"_ _5\"></span>oden. Etter prognoseperioden antas CCI \u00e5 </div><div class=\"t m2 x20e hcf y222f ff13e fs55 fc21 sc0 lsaf wsf6\">konvergere tilbak<span class=\"_ _5\"></span>e til det langsiktige gjennomsnittet. Dett<span class=\"_ _5\"></span>e inneb\u00e6rer at kredittsyklusen returnerer til en normal tilstand (det langs<span class=\"_ _5\"></span>iktige gjennom<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2230 ff13e fs55 fc21 sc0 lsaf wscf\">snittet<span class=\"_ _5\"></span>).<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2231 ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y218f ff13e fs55 fc21 sc0 lsaf wsf6\">CCI blir videre brukt til \u00e5 utlede en grunnlinje for PD<span class=\"ls0 ws0\">-</span>kurv<span class=\"_ _5\"></span>en for hvert instrument som f\u00f8lger utviklingen i CCI. N\u00e5r CCI g\u00e5r mot bedre tider, vil PD </div><div class=\"t m2 x20e hcf y2232 ff13e fs55 fc21 sc0 lsaf wsf6\">alt annet like bli lavere og motsatt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2233 ff13e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2234 ff13e fs55 fc21 sc0 lsbb ws102\">ECL<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">modellen bl<span class=\"_ _5\"></span>e oppdatert i l\u00f8pet av 2025, hvor endringene har medf\u00f8rt</span> <span class=\"lsaf wsf6\">forbedringer knyttet<span class=\"_ _5\"></span> til segmentering,</span> <span class=\"lscd ws106\">samt<span class=\"_ _5\"></span></span> <span class=\"lsaf wscf\">makro\u00f8konomiske</span>- <span class=\"lsaf wscf\">og </span></span></div><div class=\"t m2 x20e hcf y2235 ff13e fs55 fc21 sc0 lsaf wsf6\">statistisk<span class=\"_ _5\"></span>e parametre, og forventes \u00e5 gi mer robuste og bedre tilpassede modeller. For boligl\u00e5nsportef\u00f8ljen ble det ogs<span class=\"_ _5\"></span>\u00e5 gjort en oppdatering av </div><div class=\"t m2 x20e hcf y2236 ff13e fs55 fc21 sc0 lsbb ws102\">LGD.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2237 ff13e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd1 y2238 ff13d fs55 fc21 sc0 lsaf wsf6\">Skj\u00f8nnsmessige eksp<span class=\"_ _5\"></span>ertvurderinger (expert credit judgement)<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2239 ff13e fs55 fc21 sc0 lsaf wsf6\">Vurderingene av makroprognos<span class=\"_ _5\"></span>ene og effekten av de framskrevne kredittsyklusindeksene (credit<span class=\"_ _5\"></span> cycle index, CCI) er viktige skj<span class=\"wscf\">\u00f8nnsmessige </span></div><div class=\"t m2 x20e hcf y223a ff13e fs55 fc21 sc0 lsaf wsf6\">vurderinger, og DNB har etablert et r\u00e5dgiv<span class=\"_ _5\"></span>ende forum for konsernets finansdirekt\u00f8r som skal ta for seg disse vurderingene. Forumets oppgave </div><div class=\"t m2 x20e hcf y223b ff13e fs55 fc21 sc0 lsaf wsf6\">er \u00e5 vurdere om framskreven CCI for hvert segment gjenspeiler ledels<span class=\"_ _5\"></span>ens syn p\u00e5 den forventede framtidige \u00f8konomiske utvikling<span class=\"wsd2\">en. <span class=\"_ _5\"></span>N\u00e5r fram<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y223c ff13e fs55 fc21 sc0 lsaf wsf6\">skrivningene for k<span class=\"_ _5\"></span>redittsyklusen ikke gjenspeiler l<span class=\"_ _5\"></span>edelsens syn p\u00e5 de forventede forretningsmessige og \u00f8konomisk<span class=\"_ _5\"></span>e effektene, har profesjonelt </div><div class=\"t m2 x20e hcf y223d ff13e fs55 fc21 sc0 lsaf wsf6\">skj\u00f8nn blitt anv<span class=\"_ _5\"></span>endt for \u00e5 <span class=\"_ _1\"></span>sikre at ledels<span class=\"_ _5\"></span>ens syn er bedre reflektert i CCI<span class=\"ls0 ws0\">-</span>en som brukes. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y223e ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y223f ff13e fs55 fc21 sc0 lsbd ws117\">Pr<span class=\"_ _5\"></span>. 3<span class=\"_ _5\"></span>1.<span class=\"lsaf wsf6\">des<span class=\"_ _5\"></span>ember 20<span class=\"wscf\">25 </span>er det gjort en modelljustering som medf\u00f8rer en reduksjon i ECL p\u00e5 250 millioner kroner. Justeringen gjenspeil<span class=\"_ _5\"></span>er </span></div><div class=\"t m2 x20e hcf y2240 ff13e fs55 fc21 sc0 lsaf wsf6\">ledelsens syn p\u00e5 utl\u00e5nsport<span class=\"_ _5\"></span>ef\u00f8ljen og forventninger om fr<span class=\"ls0 ws0\">a</span>mtidig utvikli<span class=\"_ _5\"></span>ng. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2241 ff13e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y2242 ff13d fs59 fc21 sc0 lsb8 ws10a\">Fler<span class=\"_ _1\"></span>e scenari<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2243 ff13e fs55 fc21 sc0 lsaf wsf6\">For \u00e5 reflektere det ikke<span class=\"ls0 ws0\">-</span>line\u00e6<span class=\"_ _5\"></span>re forholdet mellom negativ utvikling i kredittrisik<span class=\"_ _5\"></span>o og ECL inkluderes flere scenarier i vurderingen av vesentlig </div><div class=\"t m2 x20e hcf y2244 ff13e fs55 fc21 sc0 lsaf wsf6\">\u00f8kning i kreditt<span class=\"_ _5\"></span>risiko og i m\u00e5lingen av ECL. DNB bruker det grunnleggende scenariet for hver risikodriver som utgangs<span class=\"_ _5\"></span>punkt, og derfra er CCI<span class=\"ls0 ws0\">- </span></div><div class=\"t m2 x20e hcf y2245 ff13e fs55 fc21 sc0 lsaf wsf6\">og PD<span class=\"ls0 ws0\">-</span>kurver utledet som beskrevet ov<span class=\"_ _5\"></span>er. Alternative scenarier modelleres som linjer i en sannsynli<span class=\"_ _5\"></span>ghetsfordeling rundt grunnli<span class=\"_ _5\"></span>njen. Denne </div><div class=\"t m2 x20e hcf y2246 ff13e fs55 fc21 sc0 lsaf wsf6\">metoden inneb\u00e6rer at hvert scenario represent<span class=\"_ _5\"></span>erer en persentil p\u00e5 sannsynli<span class=\"_ _5\"></span>g<span class=\"wscf\">hetsford</span>elingen hvor hvert persentil repres<span class=\"_ _5\"></span>enterer en mulig </div><div class=\"t m2 x20e hcf y2247 ff13e fs55 fc21 sc0 lsaf wsf6\">utvikli<span class=\"_ _5\"></span>ng i kredittrisiko avhengig av den makro\u00f8konomiske utviklingen. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2248 ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2249 ff13e fs55 fc21 sc0 lsaf wsf6\">Sannsynlighets<span class=\"_ _5\"></span>fordelingens bredde for det enkelte segment avhenger av den historisk<span class=\"_ _5\"></span>e volatiliteten i sammenhengen mellom utviklingen i<span class=\"_ _5\"></span> risiko<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y224a ff13e fs55 fc21 sc0 lsaf wsf6\">drivere og utvikli<span class=\"_ _5\"></span>ngen i kredittrisiko og ECL. Dette resulterer i en sammenheng hvor h\u00f8yere volatilit<span class=\"_ _5\"></span>et i et <span class=\"_ _1\"></span>segm<span class=\"_ _5\"></span>ent, som f\u00f8lge av endring i rele<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y224b ff13e fs55 fc21 sc0 lsaf wsf6\">vante risikodriv<span class=\"_ _5\"></span>ere, gir et relativt sett st\u00f8rre gap mellom grunnlinjen og de ytre persentilene i fordel<span class=\"_ _5\"></span>ingen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y224c ff13e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y224d ff13e fs55 fc21 sc0 lsaf wscf\">Sensitivit<span class=\"_ _5\"></span>eter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y224e ff13e fs55 fc21 sc0 lsaf wsf6\">For \u00e5 beregne forventet kreditt<span class=\"_ _5\"></span>ap etter modell bruker DNB en rekke makro\u00f8konomiske variabler hvor hver variabel bl<span class=\"_ _5\"></span>ir tilordnet flere alternative </div><div class=\"t m2 x20e hcf y224f ff13e fs55 fc21 sc0 lsaf wscf\">sannsynli<span class=\"_ _5\"></span>ghetsscenarioer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2250 ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2251 ff13e fs55 fc21 sc0 lsaf wsf6\">Makro\u00f8konomisk<span class=\"_ _5\"></span>e variabler p\u00e5virker hverandre i den forstand at endring i prognosene til en variabel sannsynl<span class=\"_ _5\"></span>igvis vil p\u00e5virke<span class=\"ls0 ws0\"> </span>prognosene ti<span class=\"_ _5\"></span>l de </div><div class=\"t m2 x20e hcf y2252 ff13e fs55 fc21 sc0 lsaf wsf6\">andre variablene.<span class=\"_ _5\"></span> Videre vil en svekking av makroprognoser normalt medf\u00f8re at flere kunder vil migrere fra gruppe 1 og 2 til gruppe 2 og 3. </div><div class=\"t m2 x20e hcf y2253 ff13e fs55 fc21 sc0 lsaf wsd2\">Komparative s<span class=\"_ _5\"></span>ensitivitetsanalys<span class=\"_ _5\"></span>er for hv<span class=\"_ _5\"></span>er makro\u00f8konomiske v<span class=\"_ _5\"></span>ariabel, isolert <span class=\"_ _5\"></span>sett, vil <span class=\"_ _5\"></span>derfor ikke <span class=\"_ _5\"></span>bidra med rel<span class=\"_ _5\"></span>evant sensiti<span class=\"wscf\">v<span class=\"_ _5\"></span>itetsinformasjon. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2254 ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2255 ff13e fs55 fc21 sc0 lsaf wsf6\">DNB har simulert et alternativt nedsi<span class=\"_ _5\"></span>descenario for relevante makroprognoser. Scenari<span class=\"_ _5\"></span>oet skal beskrive en mulig nedside i for<span class=\"wsd2\">hold ti<span class=\"_ _5\"></span>l scenarioet </span></div><div class=\"t m2 x20e hcf y2256 ff13e fs55 fc21 sc0 lsaf wsf6\">som brukes for \u00e5 beregne det forventete kredittapet<span class=\"_ _5\"></span> som er innregnet i regnskapet. Hver makrovariabel blir tilordnet<span class=\"_ _5\"></span> en alternativ lavere for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2257 ff13e fs55 fc21 sc0 lsaf wsf6\">ventning for hver periode i prognoseperioden.<span class=\"_ _5\"></span> Tabellen nedenfor viser den gjennomsnittlige endri<span class=\"_ _5\"></span>ngen i makrovariablene i det <span class=\"wscf\">alternativ<span class=\"_ _5\"></span>e </span></div><div class=\"t m2 x20e hcf y2258 ff13e fs55 fc21 sc0 lsaf wsf6\">scenarioet,<span class=\"_ _5\"></span> sammenliknet med basisscenarioet i prognoseperioden,<span class=\"_ _5\"></span> uttrykt i prosent. I de<span class=\"wsd2\">t simul<span class=\"_ _5\"></span>erte alternative scenari<span class=\"_ _5\"></span>oet for f<span class=\"_ _5\"></span>risk portef\u00f8lje v<span class=\"_ _5\"></span>il </span></div><div class=\"t m2 x20e hcf y2259 ff13e fs55 fc21 sc0 lsaf wsf6\">forventet kredit<span class=\"_ _5\"></span>tap \u00f8ke med om lag 2<span class=\"ls0 ws0\">6<span class=\"_ _1\"></span> <span class=\"lsaf wsf6\">pros<span class=\"_ _5\"></span>ent sammenliknet med kredittap som er innregnet i regnskapet per 31. desember 202</span>5<span class=\"lsbc ws103\">. </span> </span></div><div class=\"t m2 x20e he2 y225a ff13e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y225b ff13e fs55 fc21 sc0 lsaf wsf6\">F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser utvalgte makro\u00f8konomiske variabler som utgj\u00f8r basis<span class=\"ls0 ws0\">-</span>scenarioet<span class=\"_ _5\"></span> for perioden 202<span class=\"ls0 ws0\">5 </span>til 202<span class=\"ls0 ws0\">7 </span>benyttet i DNBs modell for \u00e5 </div><div class=\"t m2 x20e hcf y225c ff13e fs55 fc21 sc0 lsaf wsf6\">beregne kreditt<span class=\"_ _5\"></span>apet som er innregnet i regnskapet, sammenliknet med basis<span class=\"ls0 ws0\">-</span>scenarioet<span class=\"_ _5\"></span> i det alternative scenarioet. Alle variabl<span class=\"_ _5\"></span>ene represen<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y225d ff13e fs55 fc21 sc0 lsaf wsf6\">terer et \u00e5rlig estim<span class=\"_ _5\"></span>at.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he3 y225e ff13e fs57 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b7\"> </span><span class=\"fs59\"> </span></div></div><table class=\"s w30a h4c4\" id=\"_ae842684-68e0-4350-a516-09fe0fed1c3c\"><tr><td class=\"c x443 y3f48 w111 h153\"><div class=\"t m2 x248 h12c y2180 ff140 fs59 fc21 sc0 lsb8 wsfe\">Utval<span class=\"_ _1\"></span>gte ma<span class=\"_ _1\"></span>krova<span class=\"_ _1\"></span>riable<span class=\"_ _1\"></span>r ben<span class=\"_ _1\"></span>yttet <span class=\"lsb7 wsfd\">for \u00e5 beregne ECL innre<span class=\"_ _5\"></span>gnet i regnsk<span class=\"_ _5\"></span>apet<span class=\"ls0 ws0\"> </span></span><span class=\"ws10a\">og altern<span class=\"_ _1\"></span>ativ<span class=\"_ _1\"></span><span class=\"ls0 ws0\">t <span class=\"lscb ws122\">scenar<span class=\"_ _5\"></span>io</span></span></span><span class=\"ws10a\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x443 y3f48 w111 h153\"><div class=\"t m2 x186 hcc y21eb ff13f fs53 fc21 sc0 lsab wscb\">Basis<span class=\"ls0 ws0\">-</span><span class=\"wscd\">sc<span class=\"_ _5\"></span>enari<span class=\"_ _5\"></span>o i det</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x444 y3f49 w30b h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff13f fs53 fc21 sc0 lsab wscb\">Basis<span class=\"ls0 ws0\">-</span><span class=\"wscd\">sc<span class=\"_ _5\"></span>enari<span class=\"_ _5\"></span>o i reg<span class=\"_ _5\"></span>nskape<span class=\"_ _5\"></span>t<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td class=\"c x445 y3f49 w30c h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff13f fs53 fc21 sc0 lsab wsd0\">alter<span class=\"_ _5\"></span>native s<span class=\"_ _5\"></span>cenari<span class=\"_ _5\"></span>oet<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y3f4a w127 hd9\"><div class=\"t m2 x19f hd8 y1dc1 ff141 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4a wde hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4a w128 hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4a wdd hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4a w129 hd9\"><div class=\"t m2 x4f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4a wdd hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4a wde hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4b w127 hd9\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsa7 wsd1\">Global BNP, \u00e5rlig vekst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4b wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4b w128 hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">2,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4b wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4b w129 hd9\"><div class=\"t m2 x1a5 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4b wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4b wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">2,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4c w127 hda\"><div class=\"t m2 x19f hcc y1dae ff13f fs53 fc21 sc0 lsab wscd\">BNP Fas<span class=\"_ _5\"></span>tlands<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>Norge<span class=\"_ _5\"></span>, \u00e5rlig v<span class=\"_ _5\"></span>ekst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4c wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4c w128 hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,6<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4c wdd hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4c w129 hda\"><div class=\"t m2 x1a5 hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4c wdd hda\"><div class=\"t m2 x247 hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">(0,5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4c wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">0,8<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4d w127 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsa7 wsd1\">US 3<span class=\"ls0 ws0\">-<span class=\"lsab wscd\">m\u00e5ned<span class=\"_ _5\"></span>ers int<span class=\"_ _5\"></span>erba<span class=\"_ _5\"></span>nk rente</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x426 y3f4d wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4d w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4d wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4d w129 hdb\"><div class=\"t m2 x1a5 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4d wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4d wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,9<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4e w127 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsa7 wsd1\">Oljepris, USD per fat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4e wde hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4e w128 hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4e wdd hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">70<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4e w129 hde\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4e wdd hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4e wde hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4f w127 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Norske b<span class=\"_ _5\"></span>ruktb<span class=\"_ _5\"></span>oligpri<span class=\"_ _5\"></span>ser, \u00e5rl<span class=\"_ _5\"></span>ig vek<span class=\"_ _5\"></span>st<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4f wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">6,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4f w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">5,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4f wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">6,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4f w129 hdb\"><div class=\"t m2 x1a5 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">6,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4f wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(9,5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4f wde hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(4,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f50 w127 hda\"><div class=\"t m2 x19f hcc y1dae ff13f fs53 fc21 sc0 lsab wscd\">Gjeldsv<span class=\"_ _5\"></span>ekst n<span class=\"_ _5\"></span>orske b<span class=\"_ _5\"></span>edrift<span class=\"_ _5\"></span>er (pros<span class=\"_ _5\"></span>ent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f50 wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f50 w128 hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f50 wdd hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f50 w129 hda\"><div class=\"t m2 x1a5 hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f50 wdd hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">2,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f50 wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">2,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f51 w127 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> norsk <span class=\"_ _5\"></span>boli<span class=\"_ _5\"></span>geiendom<span class=\"_ _5\"></span> (pro<span class=\"_ _5\"></span>sent)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f51 wde hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(3,4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f51 w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">9,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f51 wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">11,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f51 w129 hdb\"><div class=\"t m2 x19b hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(3,4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f51 wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f51 wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,0<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3f54 w30d h4c5\"><div class=\"t m2 x44b hcc y3f52 ff13f fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wsd0\">m\u00e5ned<span class=\"_ _5\"></span>ers NIBOR re<span class=\"_ _5\"></span>nte</span></div><div class=\"t m2 x3f4 hcf y3f53 ff13f fs55 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x3f6 y3f56 w30e h4c6\"><div class=\"t m2 x44c hcc y3f55 ff13f fs53 fc21 sc0 lsab wscb\">4,4<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f53 ff13f fs55 fc21 sc0 lsaf wsf6\">som er innarbeidet i hver makrovariabel i det alt<span class=\"_ _5\"></span>ernative scenarioet.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f57 w128 hde\"><div class=\"t m2 x20e hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f57 wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f57 w129 hde\"><div class=\"t m2 x1a5 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f57 wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3f6 y3f59 w30f h4c7\"><div class=\"t m2 x44d hcc y3f58 ff13f fs53 fc21 sc0 lsab wscb\">4,1<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f53 ff13f fs55 fc21 sc0 lsaf wsf6\">F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser en oversikt over makroprognosene som er inkludert i tapsmodellen. Tabellen inkluderer den gjennomsni<span class=\"_ _5\"></span>ttlige nedsiden </div></td></tr></table><table class=\"s w310 h4c8\" id=\"_64cea603-f65e-4f51-9483-57872126a1fe\"><tr><td class=\"c x3f6 y3f5c w311 h4c9\"><div class=\"t m2 x3f4 h12c y3f5a ff140 fs59 fc21 sc0 lsb7 wsfd\">Endring fr<span class=\"_ _5\"></span>a gjennoms<span class=\"_ _5\"></span>nittl<span class=\"_ _5\"></span>ig niv\u00e5 p\u00e5 basis<span class=\"ls0 ws0\">-</span>sce<span class=\"_ _5\"></span>nario benytt<span class=\"_ _5\"></span>et for \u00e5 bere<span class=\"_ _5\"></span>gne kreditta<span class=\"_ _5\"></span>p innregnet<span class=\"_ _5\"></span> i regnska<span class=\"_ _5\"></span>p, til gjennom<span class=\"_ _5\"></span>snittlig</div><div class=\"t m2 x3f4 hcf y3f5b ff13f fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td></tr><tr><td class=\"c x3f6 y3f5d w312 h4ca\"><div class=\"t m2 x3f4 h12c y3f5a ff140 fs59 fc21 sc0 lsb8 wsfe\">niv\u00e5<span class=\"_ _1\"></span> p\u00e5 basi<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-</span><span class=\"ws10a\">scen<span class=\"_ _1\"></span>ario b<span class=\"_ _1\"></span>enytt<span class=\"_ _1\"></span>et i det altern<span class=\"_ _2\"></span>ative scen<span class=\"_ _1\"></span>arioe<span class=\"_ _1\"></span>t<span class=\"lscb wsfe\">, f<span class=\"_ _5\"></span>or <span class=\"_ _5\"></span>et utva<span class=\"_ _5\"></span>lg v<span class=\"_ _5\"></span>aria<span class=\"_ _5\"></span>bler<span class=\"_ _1c5\"> </span></span></span></div></td><td></td></tr><tr><td></td><td class=\"c x443 y3f5e w111 h153\"><div class=\"t m2 x158 hcc y21fa ff13f fs53 fc21 sc0 lsab wscb\">Endring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f5f w98 hd9\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Global B<span class=\"_ _5\"></span>NP (pr<span class=\"_ _5\"></span>osentp<span class=\"_ _5\"></span>oeng<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f5f w12a hd9\"><div class=\"t m2 x1c hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(1,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f60 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 lsab wscd\">BNP Fas<span class=\"_ _5\"></span>tlands<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>Norge<span class=\"_ _5\"></span>, \u00e5rlig v<span class=\"_ _5\"></span>ekst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f60 w12a hde\"><div class=\"t m2 x1c hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">(1,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f61 w98 hda\"><div class=\"t m2 x19f hcc y1d13 ff13f fs53 fc21 sc0 lsab wscd\">Oljepris<span class=\"_ _5\"></span> (prose<span class=\"_ _5\"></span>ntpoe<span class=\"_ _5\"></span>ng)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f61 w12a hda\"><div class=\"t m2 x29 hcc y1d13 ff13f fs53 fc21 sc0 lsab wscb\">9,0<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f62 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Norsk ko<span class=\"_ _5\"></span>nsump<span class=\"_ _5\"></span>risin<span class=\"_ _5\"></span>deks (<span class=\"_ _5\"></span>prosentp<span class=\"_ _5\"></span>oeng)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f62 w12a hdb\"><div class=\"t m2 x29 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f63 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wsd0\">Bruktbol<span class=\"_ _5\"></span>igpris<span class=\"_ _5\"></span>er (pros<span class=\"_ _5\"></span>entpoen<span class=\"_ _5\"></span>g)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f63 w12a hdb\"><div class=\"t m2 x1c hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(8,3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f64 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsa7 wsd1\">US 3<span class=\"ls0 ws0\">-<span class=\"lsab wscd\">m\u00e5ned<span class=\"_ _5\"></span>ers int<span class=\"_ _5\"></span>erba<span class=\"_ _5\"></span>nk rente</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3f64 w12a hde\"><div class=\"t m2 x29 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">0,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f65 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wsd0\">m\u00e5ned<span class=\"_ _5\"></span>ers NIBOR re<span class=\"_ _5\"></span>nte (pros<span class=\"_ _5\"></span>entpoen<span class=\"_ _5\"></span>g)</span> </div></td><td class=\"c x44e y3f65 w12a hda\"><div class=\"t m2 x29 hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">0,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f66 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">m\u00e5ned<span class=\"_ _5\"></span>ers STIB<span class=\"_ _5\"></span>OR rent<span class=\"_ _5\"></span>e (pr<span class=\"_ _5\"></span>osent<span class=\"_ _5\"></span>poeng)</span> </div></td><td class=\"c x44e y3f66 w12a hdb\"><div class=\"t m2 x29 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f67 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Gjeldsv<span class=\"_ _5\"></span>ekst n<span class=\"_ _5\"></span>orske b<span class=\"_ _5\"></span>edrift<span class=\"_ _5\"></span>er (pros<span class=\"_ _5\"></span>ent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f67 w12a hdb\"><div class=\"t m2 x1c hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(1,3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f68 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscd\">Gjeldsv<span class=\"_ _5\"></span>ekst n<span class=\"_ _5\"></span>orske h<span class=\"_ _5\"></span>ushold<span class=\"_ _5\"></span>ninge<span class=\"_ _5\"></span>r (pro<span class=\"_ _5\"></span>sent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f68 w12a hde\"><div class=\"t m2 x1c hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">(2,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f69 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> norsk <span class=\"_ _5\"></span>boli<span class=\"_ _5\"></span>geiendom<span class=\"_ _5\"></span> (pro<span class=\"_ _5\"></span>sent)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f69 w12a hda\"><div class=\"t m2 x1c hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">(5,6)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6a w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Leiepris<span class=\"_ _5\"></span>er no<span class=\"_ _5\"></span>rske fo<span class=\"_ _5\"></span>rretni<span class=\"_ _5\"></span>ngsbyg<span class=\"_ _5\"></span>g (pros<span class=\"_ _5\"></span>ent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6a w12a hdb\"><div class=\"t m2 x160 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(10,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6b w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Laksep<span class=\"_ _5\"></span>riser (<span class=\"_ _5\"></span>prose<span class=\"_ _5\"></span>nt)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6b w12a hdb\"><div class=\"t m2 x160 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(25,2)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6c w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscd\">Flytend<span class=\"_ _5\"></span>e halvt <span class=\"_ _5\"></span>nedse<span class=\"_ _5\"></span>nkbar<span class=\"_ _5\"></span>e boreri<span class=\"_ _5\"></span>gger <span class=\"_ _5\"></span>og bor<span class=\"_ _5\"></span>eskip (<span class=\"_ _5\"></span>prose<span class=\"_ _5\"></span>nt)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6c w12a hde\"><div class=\"t m2 x160 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">(19,5)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6d w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 lsab wscd\">Panamax<span class=\"_ _5\"></span> spotr<span class=\"_ _5\"></span>ate (<span class=\"_ _5\"></span>prosent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6d w12a hda\"><div class=\"t m2 x160 hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">(31,2)<span class=\"ls0 ws0\"> </span></div></td></tr></table>En av de st\u00f8rste eksponeringene er utl\u00e5n til privatk<span class=\"_ _5\"></span>under. Dette omfatter boligl<span class=\"_ _5\"></span>\u00e5n, kredittkort og forbruksfinansiering.<span class=\"_ _5\"></span> I ti<span class=\"wsd2\">llegg til s<span class=\"_ _5\"></span>pesifikke </span>kundeparamet<span class=\"lsc1 wsce\">ere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span><span class=\"wsf6\">er portef\u00f8ljens ECL estimert basert p\u00e5 norsk boli<span class=\"_ _5\"></span>gprisindeks, norske renter til husholdninger<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span></span>og<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">gjeldsgrad t<span class=\"_ _5\"></span>il hus</span>holdninger<span class=\"lsb9\">, i </span>tillegg til BNP<span class=\"lsaf wsf6\">. <span class=\"_ _1\"></span>I det simulerte alternativ<span class=\"_ _5\"></span>e scenarioet, hvor alle disse parameterne har mindre gunsti<span class=\"_ _5\"></span>ge p<span class=\"_ _1\"></span>rognoser,<span class=\"_ _5\"></span> vil ECL \u00f8ke med om lag <span class=\"wscf\">31<span class=\"ls0 ws0\"> </span></span></span>prosent for privatk<span class=\"_ _5\"></span>undeportef\u00f8ljen, sammenliknet med ECL m\u00e5lt per 31. desember<span class=\"ls0 ws0\"> </span><span class=\"wscf\">202<span class=\"ls0 ws0\">5 </span></span>p\u00e5 den samme portef\u00f8lje.<span class=\"ls0 ws0\"> </span>DNB har videre unders\u00f8kt effekten av ikke<span class=\"ls0 ws0\">-</span>lineari<span class=\"_ _5\"></span>tet i ECL for gruppe 1 og gruppe 2. Hv<span class=\"_ _1\"></span>is bare basisscenarioet<span class=\"_ _5\"></span> blir benyttet til \u00e5 beregne forventede kredi<span class=\"_ _5\"></span>ttap, og man dermed ekskluderer sannsynlighetsfordelingens<span class=\"_ _5\"></span> alternative scenarioer, vil<span class=\"_ _5\"></span> ECL per 31. desember 202<span class=\"ls0 ws0\">5 <span class=\"lscc ws124\">\u00f8ke</span> </span><span class=\"wscf\">med <span class=\"_ _5\"></span><span class=\"ls0 ws0\">4 </span></span>prosent.<span class=\"ls0 ws0\"> </span>Bere<span class=\"_ _5\"></span>gning av forve<span class=\"_ _5\"></span>ntet kre<span class=\"_ _5\"></span>dittap <span class=\"ls0 ws0\"> </span>Vurderingen av en vesentlig endring i kredit<span class=\"_ _5\"></span>trisiko og m\u00e5lingen av ECL baserer seg p\u00e5 parametere som allerede er i bruk i oppf\u00f8lgingen av kreditt<span class=\"_ _5\"></span>risiko og i m\u00e5lingen av kapitalbehov: PD, LGD og EAD. Parameterne er justert og brukt i beregningen av et forve<span class=\"wsd2\">ntningsrett E<span class=\"_ _5\"></span>CL<span class=\"ls0 ws0\">-</span><span class=\"wscf\">estimat.<span class=\"ls0 ws0\"> </span></span></span>Sannsynlighet f<span class=\"_ _5\"></span>or mislighold (PD)<span class=\"ls0 ws0\"> </span>DNB anvender en rekke ulike modeller for \u00e5 bestemme en kundes PD. Valg av modell avhenger av om det er en privat<span class=\"ls0 ws0\">- </span>eller bedriftskunde og hvilken bransj<span class=\"_ _5\"></span>e kunden opererer innenfor. Utviklingen i kundens PD er en n\u00f8kkelkomponent i DNBs overv\u00e5kni<span class=\"_ _5\"></span>ng av kredittrisiko i portef\u00f8ljen, se note K<span class=\"ls0 ws0\">5 </span>Styring av kredittrisik<span class=\"_ _5\"></span>o, og en tilpasset IRB PD benyttes b\u00e5de i m\u00e5lingen av ECL og i vurderingen av om det har <span class=\"_ _1\"></span>v\u00e6rt vesentl<span class=\"_ _5\"></span>ig \u00f8kning i kredi<span class=\"_ _1\"></span>ttrisi<span class=\"_ _1\"></span>ko etter f\u00f8r<span class=\"_ _2\"></span>s<span class=\"_ _5\"></span>te<span class=\"lsaf wsf6\">gangsinnregning. For \u00e5 fastsette PD i beregninger av kapitaldekning har DNB f\u00e5tt innvilget till<span class=\"_ _5\"></span>atelse til \u00e5 benytte interne </span>kredittmodel<span class=\"_ _5\"></span>ler (IRB<span class=\"ls0 ws0\">-</span>modeller). Disse modellene er kons<span class=\"_ _5\"></span>ervative og reflekterer i liten grad konjunkt<span class=\"_ _5\"></span>urf\u00f8lsomheten. For ECL<span class=\"ls0 ws0\">-</span>m\u00e5lingen er det behov for \u00e5 generere en PD som er fremadskuende og tar<span class=\"ls0 ws0\"> </span>hensyn til all tilgjengelig rel<span class=\"_ _5\"></span>evant informasjon<div class=\"c w73 h156 gsf0\"><div class=\"t m2 x20e hcf y22db ff148 fs55 fc21 sc0 lsaf wsf6\">Dette er avgj\u00f8rende for \u00e5 kunne gi et forventningsrett<span class=\"_ _5\"></span> og sann<span class=\"lsbe ws10b\">syn<span class=\"_ _5\"></span>lig</span>het<span class=\"_ _5\"></span>svektet estimat av ECL. For \u00e5 kunne bruke PD i ECL<span class=\"ls0 ws0\">-</span>m\u00e5lingen er det </div><div class=\"t m2 x20e hcf y22dc ff148 fs55 fc21 sc0 lsaf wsf6\">gjort fire til<span class=\"_ _5\"></span>pasninger i PD: <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22dd ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">makro\u00f8konomis<span class=\"_ _5\"></span>ke scenarier er reflektert</span> </span></div><div class=\"t m2 x20e hcf y22de ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">konvert<span class=\"_ _5\"></span>ering til forventningsrett<span class=\"_ _5\"></span>et, fremadskuende PD</span> </span></div><div class=\"t m2 x20e hcf y22df ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">konvert<span class=\"_ _5\"></span>ering av 12</span>-<span class=\"lsaf wsd2\">m\u00e5neders PD til l<span class=\"_ _5\"></span>evetids</span>-<span class=\"lsce wsd2\">PD</span> </span></div><div class=\"t m2 x20e hcf y22e0 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">fjerning <span class=\"_ _5\"></span>av sikkerhets<span class=\"_ _5\"></span>marginen for kons<span class=\"_ _5\"></span>ervatisme i P<span class=\"_ _5\"></span>D</span>-<span class=\"lsaf wscf\">estimatet</span> </span></div><div class=\"t m2 x20e he2 y22e1 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y22e2 ff148 fs55 fc21 sc0 lsaf wsf6\">Disse tilpasni<span class=\"_ _5\"></span>ngene inneb\u00e6rer at PD<span class=\"ls0 ws0\">-</span>er som brukes i ECL<span class=\"ls0 ws0\">-</span>beregningene, reflekterer ledelsens syn p\u00e5 endringer i konjunkturene, og at alle PD<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y22e3 ff148 fs55 fc21 sc0 lsaf wsd2\">estimater <span class=\"_ _5\"></span>er forventnings<span class=\"_ _5\"></span>rette. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y22e4 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y22e5 ff148 fs55 fc21 sc0 lsaf wsf6\">To typer PD<span class=\"ls0 ws0\">-</span>er (IFRS modifisert) er generert og brukt i beregningen av ECL:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22e6 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">En 12</span>-<span class=\"lsaf wsf6\">m\u00e5neders PD er sannsynligheten for at mislighold i<span class=\"_ _5\"></span>nntreffer i l\u00f8pet av de neste 12 m\u00e5nedene (eller over gjenst\u00e5ende levetid h<span class=\"lsbf ws107\">vis </span></span></span></div><div class=\"t m2 x134 hcf y22e7 ff148 fs55 fc21 sc0 lsaf wsf6\">denne er kortere enn 12 m\u00e5neder). Denne er brukt til \u00e5 beregne 12<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">m\u00e5neders ECL.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y22e8 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">En PD over instrumentets levet<span class=\"_ _5\"></span>id er sannsynligheten for mislighold beregnet p\u00e5 \u00e5rsbasis for den resterende levet<span class=\"_ _5\"></span>iden til et f<span class=\"wscf\">inansielt </span></span></span></div><div class=\"t m2 x134 hcf y22e9 ff148 fs55 fc21 sc0 lsaf wsf6\">instrum<span class=\"_ _5\"></span>ent. Denne brukes til \u00e5 vurdere om det har v\u00e6rt <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span>entlig \u00f8kning i risiko siden f\u00f8rstegangsinnregning og ti<span class=\"_ _5\"></span>l \u00e5 ber<span class=\"wsd2\">egne ECL over </span></div><div class=\"t m2 x134 hcf y22ea ff148 fs55 fc21 sc0 lsbc ws0\">forven<span class=\"_ _1\"></span>tet le<span class=\"_ _1\"></span>vetid<span class=\"_ _1\"></span>. <span class=\"ls0\"> </span></div><div class=\"t m2 x20e hcf y22eb ff148 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y22ec ff148 fs55 fc21 sc0 lsaf wsf6\">Tapsgrad ved misli<span class=\"_ _5\"></span>ghold (LGD)<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22ed ff148 fs55 fc21 sc0 lsaf wsf6\">LGD er den andel av EAD som forventes tapt dersom kunden misligholder sine forpliktels<span class=\"_ _5\"></span>er. Beregningen tar blant annet hensyn <span class=\"wsd2\">til sikkerheter </span></div><div class=\"t m2 x20e hcf y22ee ff148 fs55 fc21 sc0 lsaf wsf6\">knyttet til engasjem<span class=\"_ _5\"></span>entet, framtidig kontantstr\u00f8<span class=\"_ _5\"></span>m og andre relevante faktorer.<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3 hd6 y22ef ff147 fs5 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e he2 y22f0 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y22f1 ff148 fs55 fc21 sc0 lsaf wsd2\">P\u00e5 samm<span class=\"_ _5\"></span>e m\u00e5te som for P<span class=\"_ _5\"></span>D<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">er bruker DNB IRB LGD<span class=\"ls0 ws0\">-</span>er i kapitaldekningen. For \u00e5 konvertere IRB LGD<span class=\"ls0 ws0\">-</span>er til IFRS LGD<span class=\"ls0 ws0\">-</span>er er det gjort fire </span></div><div class=\"t m2 x20e hcf y22f2 ff148 fs55 fc21 sc0 lsaf wscf\">justeri<span class=\"_ _5\"></span>nger:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22f3 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">makro\u00f8konomis<span class=\"_ _5\"></span>ke scenarier er reflektert</span> </span></div><div class=\"t m2 x20e hcf y22f4 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">effektiv<span class=\"_ _5\"></span> rente er brukt til \u00e5 diskontere estimerte framtidige kontantstr\u00f8mmer</span> </span></div><div class=\"t m2 x20e hcf y22f5 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">fjernet kons<span class=\"_ _5\"></span>ervatisme for \u00e5 generere n\u00f8ytrale forventningsret<span class=\"_ _5\"></span>te framskrivninger i stedet for nedgangsk<span class=\"_ _5\"></span>onjunktur og myndighetsp\u00e5lagt<span class=\"_ _5\"></span>e gulv</span> </span></div><div class=\"t m2 x20e hcf y22f6 ff149 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">fjernet <span class=\"_ _5\"></span>estimerte indi<span class=\"_ _5\"></span>rekte kostnader <span class=\"_ _5\"></span>knyttet ti<span class=\"_ _5\"></span>l realisasj<span class=\"_ _5\"></span>on av sikkerheter</span> </span></div><div class=\"t m2 x20e he2 y22f7 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y22f8 ff148 fs55 fc21 sc0 lsaf wsf6\">Disse justeringene i<span class=\"_ _5\"></span>nneb\u00e6rer at LGD<span class=\"ls0 ws0\">-</span>ene som brukes for ECL<span class=\"ls0 ws0\">-</span>m\u00e5lingen, reflekterer l<span class=\"_ _5\"></span>edelsens forventninger til endringer i konjunk<span class=\"_ _5\"></span>turene og at </div><div class=\"t m2 x20e hcf y22f9 ff148 fs55 fc21 sc0 lsaf wsf6\">alle LGD<span class=\"ls0 ws0\">-</span>estimater er forvent<span class=\"_ _5\"></span>ningsrette.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22fa ff148 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y22fb ff148 fs55 fc21 sc0 lsaf wsf6\">Eksponering ved mislighold (EA<span class=\"_ _5\"></span>D)<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22fc ff148 fs55 fc21 sc0 lsaf wsf6\">EAD angir andel av bevilget engasjement som forvent<span class=\"_ _5\"></span>es \u00e5 v\u00e6re trukket ved et eventuelt framtidig mislighold. EAD er justert fo<span class=\"lsc1 ws116\">r \u00e5 reflektere </span></div><div class=\"t m2 x20e hcf y22fd ff148 fs55 fc21 sc0 lsaf wsf6\">kontraktsf<span class=\"_ _5\"></span>estede innbetalinger av hovedstol, rente og forventet<span class=\"_ _5\"></span> f\u00f8rtidig innbetaling. Kredittkonv<span class=\"_ _5\"></span>erteringsfaktoren s<span class=\"_ _5\"></span><span class=\"wsd2\">om brukes i EA<span class=\"_ _5\"></span>D, gir et ans<span class=\"_ _5\"></span>lag </span></div><div class=\"t m2 x20e hcf y22fe ff148 fs55 fc21 sc0 lsaf wsf6\">p\u00e5 hvor stor andel av ubenyttet kreditt<span class=\"_ _5\"></span>bevilgning som forventes \u00e5 ha blitt trukket p\u00e5 tidspunkt for mislighold.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y22ff ff148 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y2300 ff147 fs59 fc21 sc0 lsb7 wsfd\">Vesent<span class=\"_ _5\"></span>lig \u00f8kning i<span class=\"_ _5\"></span> kredittr<span class=\"_ _5\"></span>isiko (gruppe<span class=\"_ _5\"></span>ring)<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2301 ff148 fs55 fc21 sc0 lsaf wsf6\">Vurderingen av en vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko er basert p\u00e5 en kombinasjon av kvantitative og kvalitativ<span class=\"_ _5\"></span>e indikatorer og <span class=\"wsd2\">absolutte krit<span class=\"_ _5\"></span>erier. En </span></div><div class=\"t m2 x20e hcf y2302 ff148 fs55 fc21 sc0 lsaf wsf6\">vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko har inntruffet n\u00e5r en eller flere av forutsetningene nedenfor er oppfy<span class=\"_ _5\"></span>lt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2303 ff148 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2304 ff148 fs55 fc21 sc0 lsbc ws0\">Kvan<span class=\"_ _1\"></span>titative<span class=\"_ _1\"></span> krite<span class=\"_ _1\"></span>rier <span class=\"_ _1\"></span><span class=\"ls0\"> </span></div><div class=\"t m2 x20e hcf y2305 ff148 fs55 fc21 sc0 lsaf wsf6\">Fastsettelsen av en vesentl<span class=\"_ _5\"></span>ig \u00f8kning i kredittrisiko blir gjort ved \u00e5 sammenlikne det man p\u00e5 tidspunktet for f\u00f8rste gangs inn<span class=\"wsd2\">regning forv<span class=\"_ _5\"></span>entet at </span></div><div class=\"t m2 x20e hcf y2306 ff148 fs55 fc21 sc0 lsaf wscf\">leveti<span class=\"_ _5\"></span>ds<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">PD skulle v\u00e6re p\u00e5 rapporteringstidspunktet med det leveti<span class=\"_ _5\"></span>ds PD faktisk er p\u00e5 rapporteringstidspunktet<span class=\"lsbc ws0\">. Derso<span class=\"_ _1\"></span>m fak<span class=\"_ _1\"></span>tisk le<span class=\"_ _1\"></span>vetid<span class=\"_ _1\"></span>s<span class=\"ls0\">-<span class=\"lsaf wsf6\">PD p\u00e5 </span></span></span></span></div><div class=\"t m2 x20e hcf y2307 ff148 fs55 fc21 sc0 lsaf wsf6\">rapporteringst<span class=\"_ _5\"></span>idspunktet er h\u00f8yere enn det man forventet at den skulle v\u00e6re, vurderes det om \u00f8kningen er vesentlig.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2308 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2309 ff148 fs55 fc21 sc0 lsaf wsf6\">En \u00f8kning i levetids<span class=\"ls0 ws0\">-</span>PD med en faktor p\u00e5 2,5 eller mer fra f\u00f8rstegangsinnregning er vurdert \u00e5 v\u00e6re en vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko. Denne </div><div class=\"t m2 x20e hcf y230a ff148 fs55 fc21 sc0 lsaf wsf6\">grensen er satt p\u00e5 grunnlag av hvor stor \u00f8kning i kredittrisiko som vil medf\u00f8re t<span class=\"_ _5\"></span>ettere oppf\u00f8lging av kunden for \u00e5<span class=\"ls0 ws0\"> </span>sikre at det tas hensikts<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y230b ff148 fs55 fc21 sc0 lsaf wsd2\">messige k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">- </span>og forretni<span class=\"_ _5\"></span>ngsbeslutninger. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y230c ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y230d ff148 fs55 fc21 sc0 lsaf wsf6\">I tillegg m\u00e5 endringen i PD utgj\u00f8re minimum 0,6 prosentpoeng for at \u00f8kningen i kredittris<span class=\"_ _5\"></span>iko skal anses \u00e5 v\u00e6re <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span>entlig. I den \u00f8vre enden av </div><div class=\"t m2 x20e hcf y230e ff148 fs55 fc21 sc0 lsaf wsf6\">risikoskal<span class=\"_ _5\"></span>aen kreves en endring p\u00e5 7,5 prosentpoeng eller mer for at \u00f8kningen i kredittrisiko skal v\u00e6re vesentlig selv om endringen er mindre </div><div class=\"t m2 x20e hcf y230f ff148 fs55 fc21 sc0 lsaf wsf6\">enn 2,5 ganger levetids<span class=\"ls0 ws0\">-</span>PD. Diss<span class=\"_ _5\"></span>e grensene reflekterer den h\u00f8yere sensitivitet<span class=\"_ _5\"></span>en for \u00f8kt kredittrisiko i den nedre enden av risikoskalaen og den </div><div class=\"t m2 x20e hcf y2310 ff148 fs55 fc21 sc0 lsaf wsf6\">lavere sensitivi<span class=\"_ _5\"></span>teten i den \u00f8vre enden av risikoskalaen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2311 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2312 ff148 fs55 fc21 sc0 lsaf wsf6\">Som en del av DNBs kredittrisikosty<span class=\"_ _5\"></span>ring bruker konsernet en risikoklassifis<span class=\"_ _5\"></span>ering hvor alle kunder er klassifisert p\u00e5 en koher<span class=\"wsd2\">ent s<span class=\"_ _5\"></span>kala. Dette </span></div><div class=\"t m2 x20e hcf y2313 ff148 fs55 fc21 sc0 lsaf wsf6\">inneb\u00e6rer at en risikokl<span class=\"_ _5\"></span>asse har samme forklaringskraft uavhengig av segment,<span class=\"_ _5\"></span> geografi og produkt. DNB bruker derfor en felles grense for alle </div><div class=\"t m2 x20e hcf y2314 ff148 fs55 fc21 sc0 lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter p\u00e5 hva som utgj\u00f8r en vesentlig \u00f8kning i kredittrisiko. For ytterligere i<span class=\"_ _5\"></span>nformasjon om DNBs risikoskala og <span class=\"ls0 ws0\">-</span><span class=\"wscf\">klassifisering </span></div><div class=\"t m2 x20e hcf y2315 ff148 fs55 fc21 sc0 lsaf wsd2\">henvises <span class=\"_ _5\"></span>det til <span class=\"_ _5\"></span>note K<span class=\"ls0 ws0\">5 </span>Styring av k<span class=\"_ _5\"></span>redittrisiko.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2316 ff148 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2317 ff148 fs55 fc21 sc0 lsaf wsf6\">Det er ingen automatikk i at en l\u00e5ntaker som innvilges forl<span class=\"_ _5\"></span>engelser eller utsettelse av innbetali<span class=\"_ _5\"></span>nger blir ansett \u00e5 ha en <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span><span class=\"wsd2\">entlig \u00f8kning i<span class=\"_ _5\"></span> kreditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y2318 ff148 fs55 fc21 sc0 lsaf wsf6\">risiko. Det bli<span class=\"_ _5\"></span>r n\u00f8ye <span class=\"_ _1\"></span>vurdert<span class=\"_ _5\"></span> hvorvidt kredittrisik<span class=\"_ _5\"></span>oen har \u00f8kt vesentlig og det er usannsynlig at l\u00e5ntakere<span class=\"wsd2\">n v<span class=\"_ _5\"></span>il gjenvinne si<span class=\"_ _5\"></span>n kredittv<span class=\"_ _5\"></span>erdighet og </span></div><div class=\"t m2 x20e hcf y2319 ff148 fs55 fc21 sc0 lsaf wsf6\">dermed er innvilget betali<span class=\"_ _5\"></span>ngslettelse (forbearance), ell<span class=\"_ _5\"></span>er hvorvidt l\u00e5ntakeren bare opplever en midlerti<span class=\"_ _5\"></span>dig likviditetsbegren<span class=\"wsd2\">s<span class=\"_ _5\"></span>ning. Som utgangs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y231a ff148 fs55 fc21 sc0 lsaf wsf6\">punkt vil en endring i de makro\u00f8konomiske prognosene p\u00e5vi<span class=\"_ _5\"></span>rke vurderingen<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">av ves<span class=\"_ _5\"></span>entlig \u00f8kning <span class=\"_ _5\"></span>i kundens kredit<span class=\"_ _5\"></span>trisiko, da <span class=\"_ _5\"></span>dette vil p\u00e5vi<span class=\"_ _5\"></span>rke det </span></div><div class=\"t m2 x20e hcf y231b ff148 fs55 fc21 sc0 lsaf wsf6\">overordnede sy<span class=\"_ _5\"></span>net p\u00e5 den \u00f8<span class=\"_ _1\"></span>konom<span class=\"_ _5\"></span>iske situasjonen for det relevante segmentet.<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w111 h156 gsf2\"><div class=\"t m2 x248 hcf y229f ff14a fs55 fc21 sc0 lsaf wsf6\">Kvalitativ<span class=\"_ _5\"></span>e kriterier<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22a0 ff14a fs55 fc21 sc0 lsaf wsf6\">Kvalitativ inf<span class=\"_ _5\"></span>ormasjon er normalt reflektert gjennom PD<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">modellene for <span class=\"_ _5\"></span>de enkelte k<span class=\"_ _5\"></span>undegruppene.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y22a1 ff14a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22a2 ff14a fs55 fc21 sc0 lsaf wsd2\">Absolutte k<span class=\"_ _5\"></span>riterier<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22a3 ff14a fs55 fc21 sc0 lsaf wsf6\">Absolutte kriteri<span class=\"_ _5\"></span>er blir brukt, og en vesentlig \u00f8kning i kredittrisiko har inntruff<span class=\"_ _5\"></span>et hvis:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22a4 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kunden er 30 dager over forfall p\u00e5 kontraktens betal<span class=\"_ _5\"></span>ingsforpliktelser </span> </span></div><div class=\"t m2 x248 hcf y22a5 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">det er gitt betalingsl<span class=\"_ _5\"></span>ettelser (forbearance) til en kunde i finansielle vansk<span class=\"_ _5\"></span>eligheter </span> </span></div><div class=\"t m2 x248 hcf y22a6 ff14a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22a7 ff14a fs55 fc21 sc0 lsaf wscf\">Sensitivit<span class=\"_ _5\"></span>eter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22a8 ff14a fs55 fc21 sc0 lsaf wsf6\">DNB har utf\u00f8rt en sensitivit<span class=\"_ _5\"></span>etsanalyse p\u00e5 terskelverdien til vesentli<span class=\"_ _5\"></span>g \u00f8kning i kredittrisiko som er benyttet til \u00e5 m\u00e5le ECL i gruppe 1 og 2. Hvis det </div><div class=\"t m2 x248 hcf y22a9 ff14a fs55 fc21 sc0 lsaf wsf6\">brukes en terskelverdi<span class=\"_ _5\"></span> p\u00e5 1,5 ganger levetids<span class=\"ls0 ws0\">-</span>PD for \u00e5 fastsette den vesentlige \u00f8kning i kredittrisikoen,<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span><span class=\"wsd2\">som alternativ <span class=\"_ _5\"></span>til terskel<span class=\"_ _5\"></span>verdien p\u00e5 2,5,<span class=\"_ _5\"></span> vil </span></div><div class=\"t m2 x248 hcf y22aa ff14a fs55 fc21 sc0 lsaf wsf6\">flere eksponeringer m<span class=\"_ _5\"></span>igrere fra gruppe 1 til gruppe 2 og ECL i<span class=\"_ _1\"></span> gruppe 1 og 2 vil \u00f8ke med <span class=\"ls0 ws0\">3 </span><span class=\"wsd2\">prosent sammenliknet <span class=\"_ _5\"></span>med ECL ved <span class=\"_ _5\"></span>\u00e5rsslutt 202<span class=\"ls0 ws0\">5<span class=\"lsbc ws103\">. </span></span></span></div><div class=\"t m2 x248 hcf y22ab ff14a fs55 fc21 sc0 lsaf wsf6\">Hvis i stedet en terskelverdi p\u00e5 3,5 ganger levetids<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>PD blir benyttet,<span class=\"ls0 ws0\"> </span>vil ECL reduseres med <span class=\"wscf\">11<span class=\"ls0 ws0\"> </span></span>prosent sammenliknet med ECL ved \u00e5rsslutt </div><div class=\"t m2 x248 hcf y22ac ff14a fs55 fc21 sc0 lsaf wscf\">202<span class=\"ls0 ws0\">5. </span></div><div class=\"t m2 x248 hcf y22ad ff14a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y22ae ff14b fs5a fc21 sc0 lsba ws105\">Definisj<span class=\"_ _1\"></span>onen av mislighold og kredi<span class=\"_ _1\"></span>ttforringede eksponeri<span class=\"_ _1\"></span>nger i gruppe 3 <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22af ff14a fs55 fc21 sc0 lsaf wsf6\">Definis<span class=\"_ _5\"></span>jonen av kredittforringet er sammenstilt med definisj<span class=\"_ _5\"></span>onen av mislighold brukt for kapitalstyri<span class=\"_ _5\"></span>ng. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22b0 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22b1 ff14a fs55 fc21 sc0 lsaf wsf6\">Et finansielt inst<span class=\"_ _5\"></span>rument skal anses som misligholdt dersom et krav er forfalt med mer enn 90 dager hvor forfalt bel\u00f8p er st\u00f8rre enn 2 000 <span class=\"_ _1\"></span>kroner </div><div class=\"t m2 x248 hcf y22b2 ff14a fs55 fc21 sc0 lsaf wsf6\">og mer enn 1 prosent av debitorens totale engasjement, og hvor misligholdet ik<span class=\"_ _5\"></span>ke skyldes forsinkelser eller tilfel<span class=\"_ _5\"></span>dige forhold hos motparten.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22b3 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22b4 ff14a fs55 fc21 sc0 lsaf wsf6\">Et engasjement skal ogs\u00e5 anses som misligholdt<span class=\"_ _5\"></span> dersom DNB:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22b5 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">som f\u00f8lge av svekket kredittv<span class=\"_ _5\"></span>erdighet hos motparten foretar nedskrivning, og bel\u00f8pet ikke er uvesentl<span class=\"_ _5\"></span>ig </span> </span></div><div class=\"t m2 x248 hcf y22b6 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">avtaler endri<span class=\"_ _5\"></span>nger i vilk\u00e5rene som f\u00f8lge av betalingsproblemer hos motparten, og det m\u00e5 antas at dette reduserer verdien av ko<span class=\"wscf\">ntant<span class=\"_ _5\"></span></span></span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x208 hcf y22b7 ff14a fs55 fc21 sc0 lsaf wsf6\">str\u00f8mmen med et ikke uvesentlig bel\u00f8p<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22b8 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">som f\u00f8lge av svekket kredittv<span class=\"_ _5\"></span>erdighet hos motparten avhender en fordring til underkurs og underkurs<span class=\"_ _5\"></span>en ikke er uvesentlig</span> </span></div><div class=\"t m2 x248 hcf y22b9 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">har grunnlag for \u00e5 anta at det vil bli \u00e5pnet gjeldsforhandling,<span class=\"_ _5\"></span> konkurs eller offentlig administ<span class=\"_ _5\"></span>rasjon hos motparten</span> </span></div><div class=\"t m2 x248 hcf y22ba ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">av andre grunner antar at forpliktels<span class=\"_ _5\"></span>en ikke vil bli oppfylt </span> </span></div><div class=\"t m2 x248 he2 y22bb ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22bc ff14a fs55 fc21 sc0 lsaf wsf6\">Et engasjement skal vurderes som antesipert<span class=\"_ _5\"></span> misligholdt dersom det er sannsynlig at kunden ikke vil ha betjeningsevne for sin<span class=\"wsd2\">e saml<span class=\"_ _5\"></span>ede gjelds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y22bd ff14a fs55 fc21 sc0 lsaf wsf6\">forpliktel<span class=\"_ _5\"></span>ser innenfor sin ordin\u00e6re drift (unlikel<span class=\"_ _5\"></span>iness to pay). <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22be ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22bf ff14a fs55 fc21 sc0 lsaf wsf6\">N\u00e5r en misligholdshendels<span class=\"_ _5\"></span>e har inntruffet, skal kunden anses \u00e5 v\u00e6re i mislighold i en periode p\u00e5 3 eller 12 m\u00e5neder etter at <span class=\"wscf\">omstendigheten </span></div><div class=\"t m2 x248 hcf y22c0 ff14a fs55 fc21 sc0 lsaf wsf6\">som gj\u00f8r at kunden er i mislighold har opph\u00f8rt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22c1 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y22c2 ff14b fs5a fc21 sc0 lsba ws105\">M\u00e5ling av for<span class=\"_ _1\"></span>ventet kredittap for kredittfo<span class=\"_ _1\"></span>rringede finans<span class=\"_ _1\"></span>ielle instrumenter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22c3 ff14a fs55 fc21 sc0 lsaf wsf6\">N\u00e5r en kunde er kredittforringet (gruppe 3), bl<span class=\"_ _5\"></span>ir sannsynligheten for mislighol<span class=\"_ _5\"></span>d satt til 100 prosent. I DNB er hovedprinsipp<span class=\"lsbc ws10c\">et at fo<span class=\"_ _1\"></span>rvente<span class=\"_ _1\"></span>t </span></div><div class=\"t m2 x248 hcf y22c4 ff14a fs55 fc21 sc0 lsaf wsf6\">kreditt<span class=\"_ _5\"></span>ap (ECL) for kredittforringede finansiell<span class=\"_ _5\"></span>e instrumenter blir beregnet individuel<span class=\"_ _5\"></span>t per kunde og uten bruk av <span class=\"wsd2\">modell. For portef\u00f8ljen <span class=\"_ _5\"></span>av sm\u00e5 </span></div><div class=\"t m2 x248 hcf y22c5 ff14a fs55 fc21 sc0 lsaf wsf6\">og mellomstore bedrift<span class=\"_ _5\"></span>er med engasjementer p\u00e5 under 50 millioner kroner benyttes som hovedregel modell for beregning av ECL. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22c6 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22c7 ff14a fs55 fc21 sc0 lsaf wsf6\">Den individuelt beregnet<span class=\"_ _5\"></span>e ECL<span class=\"ls0 ws0\">-</span>avsetningen er estimert som forskjellen mel<span class=\"_ _5\"></span>lom balansef\u00f8rt verdi og netto n\u00e5verdi av de estimerte framtidige </div><div class=\"t m2 x248 hcf y22c8 ff14a fs55 fc21 sc0 lsaf wsf6\">kontantst<span class=\"_ _5\"></span>r\u00f8mmene, diskontert med den opprinnelige effektive rent<span class=\"_ _5\"></span>en. De estimerte framtidige kontantstr\u00f8mmene er basert p\u00e5 utvikli<span class=\"_ _5\"></span>ngen i </div><div class=\"t m2 x248 hcf y22c9 ff14a fs55 fc21 sc0 lsaf wsf6\">kundens eksponering, ti<span class=\"_ _5\"></span>dligere erfaring med kunden, det sannsynlige result<span class=\"_ _5\"></span>atet av forhandlinger og forventet makro\u00f8konomis<span class=\"_ _5\"></span>k u<span class=\"lsb9 ws123\">tvikling<span class=\"_ _1\"></span> som vil </span></div><div class=\"t m2 x248 hcf y22ca ff14a fs55 fc21 sc0 lsaf wsf6\">p\u00e5virke kundens forvent<span class=\"_ _5\"></span>ede kontantstr\u00f8m. Dersom eksponeringen er sikret<span class=\"_ _5\"></span>, vil verdien av sikkerheten i et fortsatt drift<span class=\"ls0 ws0\">-</span>scenari<span class=\"_ _5\"></span>o bli inkludert i de </div><div class=\"t m2 x248 hcf y22cb ff14a fs55 fc21 sc0 lsaf wsf6\">estimerte framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmene, uavhengig om overtakels<span class=\"_ _5\"></span>e er sannsynlig eller ikke.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22cc ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22cd ff14a fs55 fc21 sc0 lsaf wsf6\">ECL blir estimert basert p\u00e5 vektet ECL fra de ulike scenarioene. Scenarioene sk<span class=\"_ _5\"></span>al representere de faktiske scenarioene for en<span class=\"ls0 ws0\"> </span>kunde i </div><div class=\"t m2 x248 hcf y22ce ff14a fs55 fc21 sc0 lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle problemer, men generelt skal tre ulike scenarioer vurderes. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22cf ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Fortsatt<span class=\"_ _5\"></span> drift: Hva er sannsynligheten for en utvikling hvor all gjeld blir tilbakebet<span class=\"_ _5\"></span>alt uten ettergivelser gjennom gjeldsk<span class=\"_ _5\"></span>onvertering eller </span></span></div><div class=\"t m2 x208 hcf y22d0 ff14a fs55 fc21 sc0 lsaf wsf6\">konstateri<span class=\"_ _5\"></span>ng av nedskrivninger ECL i dette scenarioet er null.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22d1 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Restruktureri<span class=\"_ _5\"></span>ng: Hva er sannsynligheten for en utvikling hvor kunden m\u00e5 restrukturere k<span class=\"_ _5\"></span>apitalstrukturen for \u00e5 kunne opprettholde fortsatt<span class=\"_ _5\"></span> </span></span></div><div class=\"t m2 x208 hcf y22d2 ff14a fs55 fc21 sc0 lsaf wsf6\">drift, og hva er ECL for DNB i en slik restrukturering? <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y22d3 ff14c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Likvidas<span class=\"_ _5\"></span>jon: Hva er sannsynligheten for at selskapet blir likvidert gjennom konkurs, styrt avvik<span class=\"_ _5\"></span>ling osv., og hva er ECL for DNB i det<span class=\"_ _1\"></span>te </span></span></div><div class=\"t m2 x208 hcf y22d4 ff14a fs55 fc21 sc0 lsaf wscf\">scenarioet<span class=\"_ _5\"></span>?<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22d5 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22d6 ff14a fs55 fc21 sc0 lsaf wsf6\">ECL innenfor hvert scenario, og sannsynli<span class=\"_ _5\"></span>gheten for at det enkelte scenario inntreffer, vil avhenge av b\u00e5de markedsforhol<span class=\"_ _5\"></span>d og<span class=\"ls0 ws0\"> </span><span class=\"wscf\">kundespesifikke </span></div><div class=\"t m2 x248 hcf y22d7 ff14a fs55 fc21 sc0 lsaf wsf6\">faktorer. S<span class=\"_ _5\"></span>ummen av scenariovektene skal alltid v\u00e6re 100 prosent. Hvis et scenario er h\u00f8yst usannsynlig, kan sannsynli<span class=\"_ _5\"></span>gheten settes til null. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y22d8 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 he2 y22d9 ff14a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y22da ff14a fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></div>ECL innenfor restrukt<span class=\"_ _5\"></span>ureringsscenarioet vil avhenge av disk<span class=\"_ _5\"></span>ontert n\u00e5verdi av kundens framtidige kontantstr\u00f8mmer,<span class=\"_ _5\"></span> i tillegg ti<span class=\"wsd2\">l <span class=\"_ _5\"></span>det forventede </span>gjeldsniv\u00e5et<span class=\"_ _5\"></span> som de ulike interessentene kan bli enige om i en restrukturering. ECL i likvidasjonssc<span class=\"_ _5\"></span>enarioet vil a<span class=\"wsd2\">vhenge av f<span class=\"_ _5\"></span>orventet </span>realisas<span class=\"_ _5\"></span>jonsverdi fra sikkerheter gitt et salg av eiendeler som f\u00f8lge av konkurs ell<span class=\"_ _5\"></span>er gjennom en styrt avvikling. <span class=\"ls0 ws0\"> </span>Det foretas en modellbasert<span class=\"_ _5\"></span> beregning av ECL for <span class=\"_ _1\"></span>sm<span class=\"_ _5\"></span>\u00e5 og mellomstore bedrifter i gruppe 3 med engasjementer p\u00e5 under 50 millioner kroner. Imidlertid vil man kunne beregne ECL individuel<span class=\"_ _5\"></span>t p\u00e5 kundeniv\u00e5 istedenfor n\u00e5r dette vurderes mer hensiktsmessig. ECL<span class=\"ls0 ws0\">-</span><span class=\"wscf\">m<span class=\"_ _5\"></span>od</span>ellen for eksponeringer i gruppe 3 baserer seg p\u00e5 samme prinsipper som ECL<span class=\"ls0 ws0\">-</span>modellen f<span class=\"_ _5\"></span>or gruppe 1 og 2, men<span class=\"_ _1\"></span> modell<span class=\"_ _5\"></span>en bruker en gjenvinningsrate og beregner ECL basert p\u00e5 sannsynligheten av at et engasjem<span class=\"_ _5\"></span>ent ikke friskmeldes. ECL estimeres basert p\u00e5 en sikkerhetsindeks<span class=\"_ _5\"></span> og framoversk<span class=\"_ _5\"></span>uende makroprognoser. Sikkerheter grupperes<span class=\"_ _5\"></span> i n\u00e6ringseiendom, private boliger og andre sikkerhet<span class=\"_ _5\"></span>er etter relevant e<span class=\"wscf\">ksponering. <span class=\"ls0 ws0\"> </span></span>For kredittf<span class=\"_ _5\"></span>orringede personkunder med engasjementer p\u00e5 over 5 millioner kroner gj\u00f8r man en individuell vurdering av sikkerheter og gj<span class=\"_ _5\"></span>elds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>betjenings<span class=\"_ _5\"></span>evne for \u00e5 fastsette ECL. For kredittforringede kunder med engasjementer p\u00e5 under 5 millioner kroner anvender man en portef\u00f8lje<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tiln\u00e6<span class=\"_ _5\"></span>rming for \u00e5 fastsette ECL. Estimatet beregnes ved \u00e5 finne diskonterte verdier av sikkerheter for et representativt utval<span class=\"_ _5\"></span><span class=\"wsd2\">g kunder i m<span class=\"_ _5\"></span>islighold. </span>Den forventede gjenvi<span class=\"_ _5\"></span>nningsgraden blir derett<span class=\"_ _5\"></span>er anvendt p\u00e5 kunder <span class=\"_ _1\"></span>med tilsv<span class=\"_ _5\"></span>arende egens<span class=\"wsd2\">kaper som<span class=\"_ _5\"></span> kundene i <span class=\"_ _5\"></span>utvalget. <span class=\"ls0 ws0\"> </span></span>Sensit<span class=\"_ _1\"></span>ivit<span class=\"_ _1\"></span>eter<span class=\"ls0 ws0\"> </span>DNB har utf\u00f8rt en sensitivit<span class=\"_ _5\"></span>etsanalyse p\u00e5 de individuelt beregnete engasjem<span class=\"_ _5\"></span>entene i gruppe 3 med h\u00f8yest ECL. Hvis sannsynligh<span class=\"wscf\">etsvektingen </span>av det mest negative scenarioet \u00f8kt<span class=\"_ _5\"></span>e med 10 prosent, ville verdien av ECL <span class=\"_ _1\"></span>knytt<span class=\"_ _5\"></span>et til gruppe 3 \u00f8ke med 5 prosent. For kunder med lavere engasjement, hvor t<span class=\"_ _5\"></span>apsavsetninger modellberegnes<span class=\"_ _5\"></span>, ville et tilsvarende scenario medf\u00f8re en \u00f8kning i ECL p\u00e5 6 prosent per 31.<span class=\"wsd2\">desember 20<span class=\"wscf\">25.<span class=\"ls0 ws0\"> </span></span></span>DNBs pro<span class=\"_ _5\"></span>sedyrer<span class=\"_ _5\"></span> for kon<span class=\"_ _5\"></span>statering<span class=\"_ _5\"></span> av tap<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>DNB konstaterer og reduserer dermed balans<span class=\"_ _5\"></span>ef\u00f8rt verdi av en finansiell eiendel n\u00e5r det ikke er rimelige forventninger om gjenv<span class=\"_ _5\"></span>inning. Det kan for eksempel v\u00e6re tilfell<span class=\"_ _5\"></span>e n\u00e5r en r<span class=\"_ _1\"></span>ettsi<span class=\"_ _5\"></span>nstans har kommet til en endelig beslutning, en beslutning om ettergivelse<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>av gjeld er tatt eller en overens<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>komst om gjeldssanering er i<span class=\"_ _5\"></span>nng\u00e5tt. Konstatering kan gjelde hele eiendelen eller en andel av eiendelen og kan utgj\u00f8re en frar<span class=\"wscf\">egningshendels<span class=\"_ _5\"></span>e. </span>DNB opprettholder det rettsli<span class=\"_ _5\"></span>ge kravet mot kunder selv om konstateringen er gjennomf\u00f8rt. For bedriftskunder er det en forskjel<span class=\"_ _5\"></span>l mellom interne konstateri<span class=\"_ _5\"></span>nger og gjeldsettergivelse. I sistnev<span class=\"_ _5\"></span>nte tilfelle opprettholder DNB ikke det rettslige krav<span class=\"_ _5\"></span>et. <span class=\"ls0 ws0\"> </span>Usikkerhet<span class=\"_ _5\"></span> ved m<span class=\"_ _5\"></span>\u00e5ling<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>M\u00e5ling av forventet kredittap i<span class=\"_ _5\"></span>nneb\u00e6rer kompleksitet, og ledelsen m\u00e5 vise profesjonelt skj\u00f8<span class=\"_ _5\"></span>nn for mange av de viktigste forut<span class=\"wsd2\">setningene som <span class=\"_ _5\"></span>er </span>brukt som input i m\u00e5lingen. For modellbasert m\u00e5ling er estim<span class=\"_ _5\"></span>atusikkerhet i ECL<span class=\"ls0 ws0\">-</span>beregningen relatert til fastsettel<span class=\"_ _5\"></span>sen av PD, LGD og EAD<span class=\"_ _1\"></span>. Dette gjelder b\u00e5de ved benyttelse av historisk<span class=\"_ _5\"></span>e data i utviklingen og kalibreringen av modeller og ved ut\u00f8velse av skj\u00f8nn ved fastsettel<span class=\"_ _5\"></span>sen av disse parameterne som del av kredittprosess<span class=\"_ _5\"></span>en. Videre, beslutningen om hvordan segmenteringen av l\u00e5neportef<span class=\"_ _5\"></span>\u00f8ljen skal gj\u00f8res, identifis<span class=\"_ _5\"></span>ering av relevante risikodri<span class=\"_ _5\"></span>vere for hvert segment og prognosene for hver risikodriver skaper ogs<span class=\"_ _5\"></span>\u00e5 estimatusikkerhet. <span class=\"ls0 ws0\"> </span>Andre omr\u00e5der med vesentli<span class=\"_ _5\"></span>g estimatusikkerhet er fastsettelsen av flere fram<span class=\"_ _5\"></span>tidige \u00f8konomiske scenarier, estimering av f<span class=\"_ _5\"></span>orven<span class=\"lsbd ws117\">te<span class=\"_ _5\"></span>t lev<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>ti<span class=\"_ _5\"></span>d, </span>vurdering av vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko og beslutni<span class=\"_ _5\"></span>ng om kriteriet for mislighold er oppfylt. <span class=\"ls0 ws0\"> </span>For eksponeringer i gruppe 3 hvor ECL er m\u00e5lt individuelt per kunde, anvendes bety<span class=\"_ _5\"></span>delig skj\u00f8nn ved fastsettelse av forutsetni<span class=\"_ _5\"></span><span class=\"wsd2\">ngene som er </span>benyttet f<span class=\"_ _5\"></span>or kundens f<span class=\"_ _5\"></span>ramtidige kontantstr\u00f8<span class=\"_ _5\"></span>m og foruts<span class=\"_ _5\"></span>etninger relatert <span class=\"_ _5\"></span>til verds<span class=\"_ _5\"></span>ettelsen av sikk<span class=\"_ _5\"></span>erheter, inkludert<span class=\"_ _5\"></span> ti<span class=\"wsf6\">dspunk<span class=\"_ _5\"></span>tet for den potensielle </span>overtak<span class=\"_ _5\"></span>elsen av sikkerheter.<span class=\"ls0 ws0\"> </span>Sensitivit<span class=\"_ _5\"></span>eter er vist<span class=\"_ _5\"></span> separat ovenfor<div class=\"c w111 h14e gsf6\"><div class=\"t m2 x248 hcf y2145 ff156 fs55 fc21 sc0 lsaf wsf6\">Tabellen under inkluderer balans<span class=\"_ _5\"></span>eposter og poster utenfor balansen med kreditt<span class=\"_ _5\"></span>risiko, og vurdert verdi av tilh\u00f8rende sikkerheter. Der markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2146 ff156 fs55 fc21 sc0 lsaf wsf6\">verdier er tilgjengel<span class=\"_ _5\"></span>ig er disse benyttet. I hovedsak er det foretatt estimering av markedsverdier bas<span class=\"_ _5\"></span>ert p\u00e5 ulike<span class=\"ls0 ws0\"> </span>teknikker avhengig av sikkerhets<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2147 ff156 fs55 fc21 sc0 lsaf wsf6\">type. Innenfor eiendom<span class=\"_ _5\"></span> er det benyttet modeller som estimerer verdien av sikkerhetene basert p\u00e5 markedsparametere for t<span class=\"_ _5\"></span>ilsvarende eien<span class=\"wscf\">dom<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y235d ff156 fs55 fc21 sc0 lsaf wsf6\">mer. Tilsvarende t<span class=\"_ _5\"></span>eknikker er benyttet p\u00e5 \u00f8vrige ikke<span class=\"ls0 ws0\">-</span>finansiell<span class=\"_ _5\"></span>e sikkerheter. Markedsverdien av sikkerheter inkludert<span class=\"_ _5\"></span> i tabellen er begrenset til </div><div class=\"t m2 x248 hcf y235e ff156 fs55 fc21 sc0 lsaf wsf6\">maksimal kreditt<span class=\"_ _5\"></span>eksponering p\u00e5 det enkelte utl\u00e5n eller engasjement for \u00e5 gi uttrykk for effektiv t<span class=\"_ _5\"></span>ilgjengelig sikkerhetsv<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\">. </span></div><div class=\"t m2 x248 he2 y235f ff156 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2360 ff156 fs55 fc21 sc0 lsaf wsf6\">\u00d8vrig sikkerhet inkl<span class=\"_ _5\"></span>uderer blant annet vurdert markedsverdi av l\u00f8s\u00f8re, kaus<span class=\"_ _5\"></span>jon, skip samt kontanter i tillegg til andre kredittforbedringer som<span class=\"_ _5\"></span> </div><div class=\"t m2 x248 hcf y2361 ff156 fs55 fc21 sc0 lsaf wsf6\">nettingavt<span class=\"_ _5\"></span>aler og mottatte garantier.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2362 ff156 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gsf7\"><table class=\"s w313 h4cb\" id=\"_bed09b54-ccec-4fef-b67b-4acab12b7aef\"><tr><td class=\"c x450 y3f6e w133 h139\"><div class=\"t m2 x19f hd1 y2193 ff157 fs55 fc21 sc0 lsaf wsf6\">Kreditteksponer<span class=\"_ _5\"></span>ing og sikkerheter per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x451 y3f6f w6f hd7\"><div class=\"t m2 x1ab hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f6f w6e hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff156 fs53 fc21 sc0 lsaa wscd\">Netto<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x451 y3f70 w6f hd7\"><div class=\"t m2 x267 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x453 y3f70 w6e hd7\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x454 y3f70 w6e hd7\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x455 y3f70 w6f hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff156 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x456 y3f70 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">Total<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x452 y3f70 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x450 y3f71 w134 hd7\"><div class=\"t m2 x19f hd8 y1f31 ff158 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f71 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff156 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x453 y3f71 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">eiendom<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x454 y3f71 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">verdipa<span class=\"_ _5\"></span>pirer <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x455 y3f71 w6f hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x456 y3f71 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x452 y3f71 w6e hd7\"><div class=\"t m2 x210 hcc y1db0 ff156 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x450 y3f72 w134 hd9\"><div class=\"t m2 x19f hcc y2369 ff156 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f72 w6f hd9\"><div class=\"t m2 x20f hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">162</span> <span class=\"lsab wscb\">779</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f72 w6e hd9\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x456 y3f72 w6e hd9\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f72 w6e hd9\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">930</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f73 w134 hda\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f73 w6f hda\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">809</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f73 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">481</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f73 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">309</span> </div></td><td class=\"c x456 y3f73 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">790</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f73 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">020</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f74 w134 hde\"><div class=\"t m2 x19f hcc y1da9 ff156 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f74 w6f hde\"><div class=\"t m2 x19b hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x453 y3f74 w6e hde\"><div class=\"t m2 x19b hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">282</span> <span class=\"lsab wscb\">03<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f74 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">450</span> <span class=\"lsab wscb\">288</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f74 w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">346</span> <span class=\"lsab wscb\">791</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f74 w6e hde\"><div class=\"t m2 x19b hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">079</span> <span class=\"lsab wscb\">11<span class=\"_ _5\"></span>8</span> </div></td><td class=\"c x452 y3f74 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">324</span> <span class=\"lsab wscb\">222</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f75 w134 hdb\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f75 w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">529</span> <span class=\"lsab wscb\">301</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f75 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">529</span> <span class=\"lsab wscb\">301</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f76 w134 hdb\"><div class=\"t m2 x19f hcc y2369 ff156 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f76 w6f hdb\"><div class=\"t m2 x20f hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">101</span> <span class=\"lsab wscb\">839</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f76 w6e hdb\"><div class=\"t m2 x1b5 hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">554</span> </div></td><td class=\"c x455 y3f76 w6f hdb\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">809</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f76 w6e hdb\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">41</span> <span class=\"lsab wscb\">363</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f76 w6e hdb\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">60</span> <span class=\"lsab wscb\">475</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f77 w134 hda\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f77 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">910</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f77 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">910</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hcc y236f ff156 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f79 w134 h157\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x451 y3f79 w6f h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">340</span> <span class=\"lsab wscb\">97<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x453 y3f79 w6e h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">282</span> <span class=\"lsab wscb\">03<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f79 w6e h157\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">607</span> <span class=\"lsab wscb\">173</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f79 w6f h157\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">387</span> <span class=\"lsab wscb\">909</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f79 w6e h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">277</span> <span class=\"lsab wscb\">12<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x452 y3f79 w6e h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">063</span> <span class=\"lsab wscb\">85<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x450 y3f7a w134 h11f\"><div class=\"t m2 x19f hcc y1d11 ff156 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7a w6f h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">209</span> </div></td><td class=\"c x453 y3f7a w6e h11f\"><div class=\"t m2 x134 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x454 y3f7a w6e h11f\"><div class=\"t m2 x1e3 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x455 y3f7a w6f h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">907</span> </div></td><td class=\"c x456 y3f7a w6e h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">993</span> </div></td><td class=\"c x452 y3f7a w6e h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">216</span> </div></td></tr><tr><td class=\"c x450 y3f7b w134 hde\"><div class=\"t m2 x19f hcc y1da9 ff156 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7b w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">806</span> <span class=\"lsab wscb\">465</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f7b w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">184</span> <span class=\"lsab wscb\">436</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f7b w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">52</span> <span class=\"lsab wscb\">170</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f7b w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">122</span> <span class=\"lsab wscb\">883</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7b w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">359</span> <span class=\"lsab wscb\">490</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f7b w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">446</span> <span class=\"lsab wscb\">975</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f7c w134 hdb\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7c w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">870</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f7c w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">271</span> </div></td><td class=\"c x454 y3f7c w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">289</span> </div></td><td class=\"c x455 y3f7c w6f hdb\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">619</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7c w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">27</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f7c w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">691</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hcc y2374 ff156 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f7d w134 h158\"><div class=\"t m2 x19f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x451 y3f7d w6f h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">951</span> <span class=\"lsab wscb\">544</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f7d w6e h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">190</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f7d w6e h158\"><div class=\"t m2 x19e hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">57</span> <span class=\"lsab wscb\">542</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f7d w6f h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">140</span> <span class=\"lsab wscb\">409</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7d w6e h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">388</span> <span class=\"lsab wscb\">662</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f7d w6e h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">562</span> <span class=\"lsab wscb\">882</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f7e w134 hdd\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7e w6f hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">292</span> <span class=\"lsab wscb\">52<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x453 y3f7e w6e hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">472</span> <span class=\"lsab wscb\">74<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f7e w6e hdd\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">664</span> <span class=\"lsab wscb\">715</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f7e w6f hdd\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">528</span> <span class=\"lsab wscb\">319</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7e w6e hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">665</span> <span class=\"lsab wscb\">78<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x452 y3f7e w6e hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">626</span> <span class=\"lsab wscb\">74<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x450 y3f7f w134 h11d\"><div class=\"t m2 x19f hd8 y2379 ff158 fs53 fc21 sc0 lsab wscd\">Herav gj<span class=\"_ _5\"></span>enstan<span class=\"_ _5\"></span>d for <span class=\"_ _5\"></span>forven<span class=\"_ _5\"></span>tet kr<span class=\"_ _5\"></span>edittap:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f80 w134 h15b\"><div class=\"t m2 x19f hd8 y1dc1 ff158 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f80 w6f h15b\"><div class=\"t m2 x20f hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">162</span> <span class=\"lsab wscb\">779</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f80 w6e h15b\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x456 y3f80 w6e h15b\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f80 w6e h15b\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">930</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f81 w134 h11d\"><div class=\"t m2 x19f hd8 y1dc1 ff158 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f81 w6f h11d\"><div class=\"t m2 x20f hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">809</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f81 w6e h11d\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">481</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f81 w6f h11d\"><div class=\"t m2 x1b5 hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">309</span> </div></td><td class=\"c x456 y3f81 w6e h11d\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">790</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f81 w6e h11d\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">020</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f82 w134 h122\"><div class=\"t m2 x19f hd8 y1dae ff158 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f82 w6f h122\"><div class=\"t m2 x19b hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x453 y3f82 w6e h122\"><div class=\"t m2 x19b hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">236</span> <span class=\"lsab wscb\">99<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f82 w6e h122\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">450</span> <span class=\"lsab wscb\">246</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f82 w6f h122\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">346</span> <span class=\"lsab wscb\">736</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f82 w6e h122\"><div class=\"t m2 x19b hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">033</span> <span class=\"lsab wscb\">98<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x452 y3f82 w6e h122\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">323</span> <span class=\"lsab wscb\">162</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f83 w134 h11d\"><div class=\"t m2 x19f hd8 y1dae ff158 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f83 w6f h11d\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">306</span> <span class=\"lsab wscb\">718</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f83 w6e h11d\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">306</span> <span class=\"lsab wscb\">718</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y237c ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f84 w134 h15c\"><div class=\"t m2 x19f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x451 y3f84 w6f h15c\"><div class=\"t m2 x19b hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">938</span> <span class=\"lsab wscb\">44<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x453 y3f84 w6e h15c\"><div class=\"t m2 x19b hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">236</span> <span class=\"lsab wscb\">99<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f84 w6e h15c\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">606</span> <span class=\"lsab wscb\">576</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f84 w6f h15c\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">347</span> <span class=\"lsab wscb\">045</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f84 w6e h15c\"><div class=\"t m2 x19b hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">190</span> <span class=\"lsab wscb\">62<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x452 y3f84 w6e h15c\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">747</span> <span class=\"lsab wscb\">829</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f85 w134 h142\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f85 w6f h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">209</span> </div></td><td class=\"c x453 y3f85 w6e h142\"><div class=\"t m2 x134 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x454 y3f85 w6e h142\"><div class=\"t m2 x1e3 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x455 y3f85 w6f h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">907</span> </div></td><td class=\"c x456 y3f85 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">993</span> </div></td><td class=\"c x452 y3f85 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">216</span> </div></td></tr><tr><td class=\"c x450 y3f86 w134 h122\"><div class=\"t m2 x19f hd8 y200f ff158 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f86 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">806</span> <span class=\"lsab wscb\">465</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f86 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">184</span> <span class=\"lsab wscb\">436</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f86 w6e h122\"><div class=\"t m2 x19e hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">52</span> <span class=\"lsab wscb\">170</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f86 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">122</span> <span class=\"lsab wscb\">883</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f86 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">359</span> <span class=\"lsab wscb\">489</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f86 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">446</span> <span class=\"lsab wscb\">976</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f87 w134 h11d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f87 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">870</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f87 w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">271</span> </div></td><td class=\"c x454 y3f87 w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">289</span> </div></td><td class=\"c x455 y3f87 w6f h11d\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">619</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f87 w6e h11d\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">27</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f87 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">691</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y2381 ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f88 w134 h15d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x451 y3f88 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">951</span> <span class=\"lsab wscb\">544</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f88 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">190</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f88 w6e h15d\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">57</span> <span class=\"lsab wscb\">542</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f88 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">140</span> <span class=\"lsab wscb\">409</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f88 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">388</span> <span class=\"lsab wscb\">662</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f88 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">562</span> <span class=\"lsab wscb\">882</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f89 w134 h13e\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f89 w6f h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">889</span> <span class=\"lsab wscb\">99<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x453 y3f89 w6e h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">427</span> <span class=\"lsab wscb\">70<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f89 w6e h13e\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">664</span> <span class=\"lsab wscb\">118</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f89 w6f h13e\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">455</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f89 w6e h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">579</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x452 y3f89 w6e h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">310</span> <span class=\"lsab wscb\">71<span class=\"_ _5\"></span>1</span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y2387 ff158 fs53 fc21 sc0 lsab wscd\">Herav g<span class=\"_ _5\"></span>ruppe 3:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8a w134 h11d\"><div class=\"t m2 x19f hd8 y1da9 ff158 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f8a w6f h11d\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f8a w6e h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x454 y3f8a w6e h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">593</span> </div></td><td class=\"c x455 y3f8a w6f h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">673</span> </div></td><td class=\"c x456 y3f8a w6e h11d\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f8a w6e h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">475</span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y238a ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8b w134 h158\"><div class=\"t m2 x19f hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x451 y3f8b w6f h158\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f8b w6e h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x454 y3f8b w6e h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">593</span> </div></td><td class=\"c x455 y3f8b w6f h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">673</span> </div></td><td class=\"c x456 y3f8b w6e h158\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f8b w6e h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">475</span> </div></td></tr><tr><td class=\"c x450 y3f8c w134 h142\"><div class=\"t m2 x19f hd8 y1da9 ff158 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8d w134 h122\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f8d w6f h122\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">717</span> </div></td><td class=\"c x453 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">139</span> </div></td><td class=\"c x454 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">556</span> </div></td><td class=\"c x455 y3f8d w6f h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">133</span> </div></td><td class=\"c x456 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">828</span> </div></td><td class=\"c x452 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">889</span> </div></td></tr><tr><td class=\"c x450 y3f8e w134 h11d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f8e w6f h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">271</span> </div></td><td class=\"c x453 y3f8e w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">143</span> </div></td><td class=\"c x454 y3f8e w6e h11d\"><div class=\"t m2 x134 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 4 </div></td><td class=\"c x455 y3f8e w6f h11d\"><div class=\"t m2 x1e3 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">99</span> </div></td><td class=\"c x456 y3f8e w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">246</span> </div></td><td class=\"c x452 y3f8e w6e h11d\"><div class=\"t m2 x1e3 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">25</span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y238f ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8f w134 h15d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x451 y3f8f w6f h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x453 y3f8f w6e h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">283</span> </div></td><td class=\"c x454 y3f8f w6e h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">560</span> </div></td><td class=\"c x455 y3f8f w6f h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">231</span> </div></td><td class=\"c x456 y3f8f w6e h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">074</span> </div></td><td class=\"c x452 y3f8f w6e h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">914</span> </div></td></tr><tr><td class=\"c x450 y3f90 w134 h142\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f90 w6f h142\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">173</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f90 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x454 y3f90 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">152</span> </div></td><td class=\"c x455 y3f90 w6f h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">904</span> </div></td><td class=\"c x456 y3f90 w6e h142\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">784</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f90 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">389</span> </div></td></tr></table></div><div class=\"c w111 h14e gsf6\"><div class=\"t m2 x248 hcf y2392 ff156 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2393 ff156 fs55 fc21 sc0 lsaf wsf6\">Det er ikke innregnet tapsavsetni<span class=\"_ _5\"></span>ng for finansielle eiendeler p\u00e5 <span class=\"ls0 ws0\">2,4 </span>milliarder kroner i gruppe 3 p\u00e5 grunn av sikkerhetsstill<span class=\"_ _5\"></span>elsen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2394 ff156 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hd6 y2395 ff156 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span><span class=\"ff157 fs5\"> </span></div></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K7 K<span class=\"_ _1\"></span>reditteksponering og sikk<span class=\"_ _2\"></span>erheter<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h163 gsfa\"><div class=\"t m2 x20e hcf y2410 ff160 fs55 fc21 sc0 lsaf wsf6\">Nedenfor er det gitt kommentarer til de vesentli<span class=\"_ _5\"></span>gste postene per 31. desember 202<span class=\"ls0 ws0\">5: </span></div><div class=\"t m2 x20e hcf y2411 ff161 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Fordringer p\u00e5 sent<span class=\"_ _5\"></span>ralbanker<span class=\"ff160 wsd2\">: Forretninger <span class=\"_ _5\"></span>med sent<span class=\"_ _5\"></span>ralbanker</span></span> <span class=\"lsc1 ws120\">er kort<span class=\"lsaf wsf6\">sik<span class=\"_ _5\"></span>tige og gj\u00f8res hovedsakelig med OECD</span></span>-<span class=\"lsaf wscf\">land. </span> </span></div><div class=\"t m2 x20e hcf y2412 ff161 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsd2\">Utl\u00e5n <span class=\"_ _5\"></span>til kunder<span class=\"ff160\">: S<span class=\"_ _5\"></span>e omtale under avs<span class=\"_ _5\"></span>nittet \"Retni<span class=\"_ _5\"></span>ngslinjer for <span class=\"_ _5\"></span>kredittvirksom<span class=\"_ _5\"></span>het\" i not<span class=\"_ _5\"></span>e K</span></span>5 <span class=\"lsaf wsf6\">Styring av kredittrisik<span class=\"_ _5\"></span>o.</span> </span></div><div class=\"t m2 x20e hcf y2413 ff161 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Sertifik<span class=\"_ _5\"></span>ater og obligasjoner<span class=\"ff160\">: Konsernets investeri<span class=\"_ _5\"></span>nger i sertifikater og obligasjoner gj\u00f8res innenfor rammer f<span class=\"_ _5\"></span>or markedsrisiko godkjent av </span></span></span></div><div class=\"t m2 x134 hcf y2414 ff160 fs55 fc21 sc0 lsbf ws107\">styre<span class=\"_ _1\"></span>t.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2415 ff161 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle derivater<span class=\"ff160\">: \u00d8vrige sikkerheter repres<span class=\"_ _5\"></span>enterer adgangen til netting mot annet mellomv\u00e6rende med kundene og mottatt kontant<span class=\"_ _5\"></span></span></span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x134 hcf y2416 ff160 fs55 fc21 sc0 lsaf wscf\">sikkerhet.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2417 ff161 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wscf\">Garantier<span class=\"ff160 wsf6\">:<span class=\"_ _5\"></span> Se omtale under avsnittet \"Retningslinjer for kredittvirks<span class=\"_ _5\"></span>omhet\" i note K<span class=\"lsbd ws104\">5 </span><span class=\"wsd2\">Styring <span class=\"_ _5\"></span>av kredittris<span class=\"_ _5\"></span>iko.</span></span></span> </span></div><div class=\"t m2 x20e hcf y2418 ff161 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Udisponerte kredit<span class=\"_ _5\"></span>trammer og tilbud<span class=\"ff160\">: Tilbud om l\u00e5n, kreditter eller k<span class=\"_ _5\"></span>redittrammer inng\u00e5r med </span></span>1<span class=\"lsaf wscf\">60</span> <span class=\"lsaf wscf\">108</span> <span class=\"lsaf wsf6\">millioner kroner i maksimal kreditt<span class=\"_ _5\"></span></span>- </span></div><div class=\"t m2 x134 hcf y2419 ff160 fs55 fc21 sc0 lsaf wsf6\">eksponering. For slik<span class=\"_ _5\"></span> eksponering er det ikke etablert formelle sikkerheter, og vurdert verdi av disse inng\u00e5r ikke i tabel<span class=\"_ _5\"></span>len<span class=\"wsd2\">. Etableri<span class=\"_ _5\"></span>ng av </span></div><div class=\"t m2 x134 hcf y241a ff160 fs55 fc21 sc0 lsaf wsf6\">sikkerhet<span class=\"_ _5\"></span>er gj\u00f8res i sammenheng med kundens eventuelle aksept av tilbudet. Vu<span class=\"wsd2\">rderingen av v<span class=\"_ _5\"></span>erdi av event<span class=\"_ _5\"></span>uelle sikkerhet<span class=\"_ _5\"></span>er i forbindelse </span></div><div class=\"t m2 x134 hcf y241b ff160 fs55 fc21 sc0 lsaf wsf6\">med tilbud f\u00f8lger prosedyre og kriterier om<span class=\"_ _5\"></span>talt under avsnittet \u201dRetni<span class=\"_ _5\"></span>ngslinjer for kredittvirks<span class=\"_ _5\"></span>omhet\" i note K<span class=\"ls0 ws0\">5 </span><span class=\"wsd2\">Styring av kredittri<span class=\"_ _5\"></span>siko.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y241c ff160 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gsfb\"><table class=\"s w314 h4cc\" id=\"_400b6cd7-1a07-4e99-9e99-d382d1f32cd8\"><tr><td class=\"c x400 y3f91 w133 h139\"><div class=\"t m2 x19f hd1 y2193 ff15f fs55 fc21 sc0 lsaf wsf6\">Kreditteksponer<span class=\"_ _5\"></span>ing og sikkerheter per 31. desember 2024\u00b9<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x458 y3f92 w6e hd7\"><div class=\"t m2 x1ab hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3f92 w6f hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff160 fs53 fc21 sc0 lsaa wscd\">Netto<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x458 y3f93 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x459 y3f93 w6e hd7\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45a y3f93 w6f hd7\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45b y3f93 w6e hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff160 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45c y3f93 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">Total<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3f93 w6f hd7\"><div class=\"t m2 x267 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f94 w13b hd7\"><div class=\"t m2 x19f hd8 y1f31 ff162 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f94 w6e hd7\"><div class=\"t m2 x210 hcc y1db0 ff160 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x459 y3f94 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">eiendom<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45a y3f94 w6f hd7\"><div class=\"t m2 x1bc hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">verdipa<span class=\"_ _5\"></span>pirer <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45b y3f94 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45c y3f94 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3f94 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff160 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f95 w13b h11f\"><div class=\"t m2 x19f hcc y1dae ff160 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f95 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">147</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3f95 w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x45c y3f95 w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td class=\"c x404 y3f95 w6f h11f\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">143</span> <span class=\"lsab wscb\">546</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f96 w13b hde\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f96 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">165</span> <span class=\"lsab wscb\">563</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3f96 w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">196</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f96 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">146</span> </div></td><td class=\"c x45c y3f96 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">342</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f96 w6f hde\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">221</span> </div></td></tr><tr><td class=\"c x400 y3f97 w13b hdb\"><div class=\"t m2 x19f hcc y1dae ff160 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f97 w6e hdb\"><div class=\"t m2 x19b hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x459 y3f97 w6e hdb\"><div class=\"t m2 x19b hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">54<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x45a y3f97 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">366</span> <span class=\"lsab wscb\">625</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f97 w6e hdb\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">333</span> <span class=\"lsab wscb\">116</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f97 w6e hdb\"><div class=\"t m2 x19b hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">945</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x404 y3f97 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">306</span> <span class=\"lsab wscb\">226</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f98 w13b hdb\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f98 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">574</span> <span class=\"lsab wscb\">896</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3f98 w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">574</span> <span class=\"lsab wscb\">896</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f99 w13b hda\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f99 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">159</span> <span class=\"lsab wscb\">853</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3f99 w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">583</span> </div></td><td class=\"c x45b y3f99 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">115</span> <span class=\"lsab wscb\">146</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f99 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">116</span> <span class=\"lsab wscb\">729</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f99 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">43</span> <span class=\"lsab wscb\">124</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f9a w13b hde\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9a w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">273</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3f9a w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">273</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hcc y2427 ff160 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3f9c w13b h15c\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x458 y3f9c w6e h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">314</span> <span class=\"lsab wscb\">74<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x459 y3f9c w6e h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">54<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x45a y3f9c w6f h15c\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">529</span> <span class=\"lsab wscb\">500</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f9c w6e h15c\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">448</span> <span class=\"lsab wscb\">408</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f9c w6e h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">223</span> <span class=\"lsab wscb\">45<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x404 y3f9c w6f h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">091</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x400 y3f9d w13b hdd\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9d w6e hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">797</span> </div></td><td class=\"c x459 y3f9d w6e hdd\"><div class=\"t m2 x134 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45a y3f9d w6f hdd\"><div class=\"t m2 x1e3 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x45b y3f9d w6e hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">422</span> </div></td><td class=\"c x45c y3f9d w6e hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">440</span> </div></td><td class=\"c x404 y3f9d w6f hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">357</span> </div></td></tr><tr><td class=\"c x400 y3f9e w13b hdb\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">760</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">174</span> <span class=\"lsab wscb\">458</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3f9e w6f hdb\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">45</span> <span class=\"lsab wscb\">941</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">112</span> <span class=\"lsab wscb\">209</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">332</span> <span class=\"lsab wscb\">607</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f9e w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">427</span> <span class=\"lsab wscb\">578</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f9f w13b hdb\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9f w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">459</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3f9f w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">574</span> </div></td><td class=\"c x45a y3f9f w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">326</span> </div></td><td class=\"c x45b y3f9f w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">997</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f9f w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">897</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f9f w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">106</span> <span class=\"lsab wscb\">562</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hcc y242c ff160 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fa0 w13b h15d\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x458 y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">899</span> <span class=\"lsab wscb\">441</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">180</span> <span class=\"lsab wscb\">034</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3fa0 w6f h15d\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">50</span> <span class=\"lsab wscb\">282</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">628</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">361</span> <span class=\"lsab wscb\">943</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fa0 w6f h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">537</span> <span class=\"lsab wscb\">497</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa1 w13b hd9\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa1 w6e hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">214</span> <span class=\"lsab wscb\">18<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x459 y3fa1 w6e hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">425</span> <span class=\"lsab wscb\">58<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x45a y3fa1 w6f hd9\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">579</span> <span class=\"lsab wscb\">782</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa1 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">580</span> <span class=\"lsab wscb\">036</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa1 w6e hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">585</span> <span class=\"lsab wscb\">39<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x404 y3fa1 w6f hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">628</span> <span class=\"lsab wscb\">78<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x400 y3fa2 w13b h11d\"><div class=\"t m2 x19f hd8 y2432 ff162 fs53 fc21 sc0 lsab wscd\">Herav gj<span class=\"_ _5\"></span>enstan<span class=\"_ _5\"></span>d for <span class=\"_ _5\"></span>forven<span class=\"_ _5\"></span>tet kr<span class=\"_ _5\"></span>edittap:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fa3 w13b h122\"><div class=\"t m2 x19f hd8 y200f ff162 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa3 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">147</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3fa3 w6f h122\"><div class=\"t m2 x2d7 hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x45c y3fa3 w6e h122\"><div class=\"t m2 x2d7 hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td class=\"c x404 y3fa3 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">143</span> <span class=\"lsab wscb\">546</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa4 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa4 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">165</span> <span class=\"lsab wscb\">563</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3fa4 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">196</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa4 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">146</span> </div></td><td class=\"c x45c y3fa4 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">342</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fa4 w6f h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">221</span> </div></td></tr><tr><td class=\"c x400 y3fa5 w13b h122\"><div class=\"t m2 x19f hd8 y200f ff162 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa5 w6e h122\"><div class=\"t m2 x19b hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x459 y3fa5 w6e h122\"><div class=\"t m2 x19b hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">193</span> <span class=\"lsab wscb\">48<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x45a y3fa5 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">366</span> <span class=\"lsab wscb\">486</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa5 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">333</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa5 w6e h122\"><div class=\"t m2 x19b hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">893</span> <span class=\"lsab wscb\">03<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x404 y3fa5 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">305</span> <span class=\"lsab wscb\">051</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa6 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa6 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">290</span> <span class=\"lsab wscb\">733</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3fa6 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">290</span> <span class=\"lsab wscb\">733</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y2436 ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fa7 w13b h15d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x458 y3fa7 w6e h15d\"><div class=\"t m2 x19b hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">802</span> <span class=\"lsab wscb\">01<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x459 y3fa7 w6e h15d\"><div class=\"t m2 x19b hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">193</span> <span class=\"lsab wscb\">48<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x45a y3fa7 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">527</span> <span class=\"lsab wscb\">778</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa7 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">333</span> <span class=\"lsab wscb\">208</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa7 w6e h15d\"><div class=\"t m2 x19b hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">054</span> <span class=\"lsab wscb\">46<span class=\"_ _5\"></span>8</span> </div></td><td class=\"c x404 y3fa7 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">747</span> <span class=\"lsab wscb\">551</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa8 w13b h13e\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa8 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">797</span> </div></td><td class=\"c x459 y3fa8 w6e h13e\"><div class=\"t m2 x134 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45a y3fa8 w6f h13e\"><div class=\"t m2 x1e3 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x45b y3fa8 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">422</span> </div></td><td class=\"c x45c y3fa8 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">440</span> </div></td><td class=\"c x404 y3fa8 w6f h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">357</span> </div></td></tr><tr><td class=\"c x400 y3fa9 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">760</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">174</span> <span class=\"lsab wscb\">458</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3fa9 w6f h11d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">45</span> <span class=\"lsab wscb\">941</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">112</span> <span class=\"lsab wscb\">209</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">332</span> <span class=\"lsab wscb\">607</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fa9 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">427</span> <span class=\"lsab wscb\">578</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3faa w13b h15b\"><div class=\"t m2 x19f hd8 y1da9 ff162 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3faa w6e h15b\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">459</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3faa w6e h15b\"><div class=\"t m2 x2d7 hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">574</span> </div></td><td class=\"c x45a y3faa w6f h15b\"><div class=\"t m2 x2d7 hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">326</span> </div></td><td class=\"c x45b y3faa w6e h15b\"><div class=\"t m2 x19e hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">997</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3faa w6e h15b\"><div class=\"t m2 x19e hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">897</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3faa w6f h15b\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">106</span> <span class=\"lsab wscb\">562</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y243b ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fab w13b h15d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x458 y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">899</span> <span class=\"lsab wscb\">441</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">180</span> <span class=\"lsab wscb\">034</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3fab w6f h15d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">50</span> <span class=\"lsab wscb\">282</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">628</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">361</span> <span class=\"lsab wscb\">943</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fab w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">537</span> <span class=\"lsab wscb\">497</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fac w13b h142\"><div class=\"t m2 x19f hd8 y1da9 ff162 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fac w6e h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">701</span> <span class=\"lsab wscb\">45<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x459 y3fac w6e h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">373</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x45a y3fac w6f h142\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">578</span> <span class=\"lsab wscb\">059</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fac w6e h142\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">464</span> <span class=\"lsab wscb\">836</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fac w6e h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">416</span> <span class=\"lsab wscb\">41<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x404 y3fac w6f h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">285</span> <span class=\"lsab wscb\">04<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\"><div class=\"t m2 x1b8 hd8 y2441 ff162 fs53 fc21 sc0 lsab wscd\">Herav g<span class=\"_ _5\"></span>ruppe 3:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fad w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fad w6e h11d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">199</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fad w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">304</span> </div></td><td class=\"c x45a y3fad w6f h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">441</span> </div></td><td class=\"c x45b y3fad w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">875</span> </div></td><td class=\"c x45c y3fad w6e h11d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">620</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fad w6f h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">579</span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y2444 ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fae w13b h15d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x458 y3fae w6e h15d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">199</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fae w6e h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">304</span> </div></td><td class=\"c x45a y3fae w6f h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">441</span> </div></td><td class=\"c x45b y3fae w6e h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">875</span> </div></td><td class=\"c x45c y3fae w6e h15d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">620</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fae w6f h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">579</span> </div></td></tr><tr><td class=\"c x400 y3faf w13b h142\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fb0 w13b h122\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fb0 w6e h122\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">987</span> </div></td><td class=\"c x459 y3fb0 w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">229</span> </div></td><td class=\"c x45a y3fb0 w6f h122\"><div class=\"t m2 x134 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td class=\"c x45b y3fb0 w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">740</span> </div></td><td class=\"c x45c y3fb0 w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">969</span> </div></td><td class=\"c x404 y3fb0 w6f h122\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">018</span> </div></td></tr><tr><td class=\"c x400 y3fb1 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fb1 w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">037</span> </div></td><td class=\"c x459 y3fb1 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">131</span> </div></td><td class=\"c x45a y3fb1 w6f h11d\"><div class=\"t m2 x1e3 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">11</span> </div></td><td class=\"c x45b y3fb1 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">120</span> </div></td><td class=\"c x45c y3fb1 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">263</span> </div></td><td class=\"c x404 y3fb1 w6f h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">774</span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y2449 ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fb2 w13b h157\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x458 y3fb2 w6e h157\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">025</span> </div></td><td class=\"c x459 y3fb2 w6e h157\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">361</span> </div></td><td class=\"c x45a y3fb2 w6f h157\"><div class=\"t m2 x1e3 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">11</span> </div></td><td class=\"c x45b y3fb2 w6e h157\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">860</span> </div></td><td class=\"c x45c y3fb2 w6e h157\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">232</span> </div></td><td class=\"c x404 y3fb2 w6f h157\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">793</span> </div></td></tr><tr><td class=\"c x400 y3fb3 w13b h13e\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fb3 w6e h13e\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">21</span> <span class=\"lsab wscb\">224</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fb3 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">665</span> </div></td><td class=\"c x45a y3fb3 w6f h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">452</span> </div></td><td class=\"c x45b y3fb3 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">735</span> </div></td><td class=\"c x45c y3fb3 w6e h13e\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">852</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fb3 w6f h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">372</span> </div></td></tr><tr><td class=\"c x3f6 y3fb7 w315 h4cd\"><div class=\"t m2 x3f4 hd8 y3fb4 ff162 fs53 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y3fb5 ff160 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3fb6 ff160 fs55 fc21 sc0 lsaf wsf6\">Det er ikke innregnet tapsavsetni<span class=\"_ _5\"></span>ng for finansielle eiendeler p\u00e5 <span class=\"ls0 ws0\">3,9 </span>milliarder kroner i gruppe 3 p\u00e5 grunn av sikkerhetsstill<span class=\"_ _5\"></span>elsen.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x410 y3e64 w316 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff162 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Fra o<span class=\"_ _5\"></span>g med<span class=\"_ _5\"></span> 2025 er<span class=\"_ _5\"></span> tall<span class=\"_ _5\"></span>ene i t<span class=\"_ _5\"></span>abellen <span class=\"_ _5\"></span>som<span class=\"_ _5\"></span> viser s<span class=\"_ _5\"></span>ikkerh<span class=\"_ _5\"></span>et i ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rer o<span class=\"_ _5\"></span>ppdat<span class=\"_ _5\"></span>ert. Tall<span class=\"_ _5\"></span> for ti<span class=\"_ _5\"></span>dligere <span class=\"_ _5\"></span>perio<span class=\"_ _5\"></span>der er j<span class=\"_ _5\"></span>uster<span class=\"_ _5\"></span>t ti<span class=\"wscb\">lsvar<span class=\"_ _5\"></span>ende.</span></span> </div></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"c w111 h161 gsfd\"><div class=\"t m2 x248 hcf y23e1 ff163 fs55 fc21 sc0 lsaf wsf6\">Tabellen under viser utl\u00e5n til k<span class=\"_ _5\"></span>under og finansielle garantier og utrukne rammer til kunder per risikokl<span class=\"_ _5\"></span>asse. Fordelingen mellom risikoklasser er </div><div class=\"t m2 x248 hcf y23e2 ff163 fs55 fc21 sc0 lsaf wsf6\">basert p\u00e5 IRB PD som vist i tabellen DNBs risikoklassifiseri<span class=\"_ _5\"></span>ng i note<span class=\"ls0 ws0\"> K5</span>. Se ogs\u00e5 avsnittet Sannsynlighet for mislighol<span class=\"_ _5\"></span>d (PD) i note <span class=\"ls0 ws0\">K6 <span class=\"_ _1\"></span><span class=\"lsc1 wsce\">for </span></span></div><div class=\"t m2 x248 hcf y23e3 ff163 fs55 fc21 sc0 lsaf wsf6\">beskrivelse av sammenhengen mellom IRB PD og IFRS PD. Bel\u00f8pene er brutto bokf\u00f8rt verdi og maksimal eksponering f\u00f8r nedsk<span class=\"_ _5\"></span>rivni<span class=\"wscf\">nger.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y23e4 ff163 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gsfe\"><table class=\"s w317 h4ce\" id=\"_c5949899-c07d-4d75-893d-d0b5951697db\"><tr><td class=\"c x45e y3fb8 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff164 fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x45f y3fb9 w6e hd7\"><div class=\"t m2 x20c hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y3fba w13d hd7\"><div class=\"t m2 x19f hd8 y1dae ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fba w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fba w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fba w6f hd7\"><div class=\"t m2 x209 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fba w6e hd7\"><div class=\"t m2 xd9 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fba w6e hd7\"><div class=\"t m2 x248 hcc y1dae ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fbb w13d hd9\"><div class=\"t m2 x19f hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fbc w13d hda\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fbc w6e hda\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">746</span> <span class=\"lsab wscb\">66<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x461 y3fbc w6e hda\"><div class=\"t m2 x2d7 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">271</span> </div></td><td></td><td class=\"c x45f y3fbc w6e hda\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">685</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fbc w6e hda\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">789</span> <span class=\"lsab wscb\">62<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x45e y3fbd w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fbd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">429</span> <span class=\"lsab wscb\">197</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fbd w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">66</span> <span class=\"lsab wscb\">671</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fbd w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">945</span> </div></td><td class=\"c x463 y3fbd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">505</span> <span class=\"lsab wscb\">812</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fbe w13d hdb\"><div class=\"t m2 x163 hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fbe w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">41</span> <span class=\"lsab wscb\">302</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fbe w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">49</span> <span class=\"lsab wscb\">528</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fbe w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">485</span> </div></td><td class=\"c x463 y3fbe w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">92</span> <span class=\"lsab wscb\">314</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fbf w13d hde\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fbf w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">922</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fbf w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x463 y3fbf w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">004</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc0 w13d hdd\"><div class=\"t m2 x19f hcc y1da9 ff163 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fc0 w6e hdd\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">217</span> <span class=\"lsab wscb\">16<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x461 y3fc0 w6e hdd\"><div class=\"t m2 x20f hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">124</span> <span class=\"lsab wscb\">470</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fc0 w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">922</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fc0 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc0 w6e hdd\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">410</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>0</span> </div></td></tr></table></div><div class=\"gsff\"><table class=\"s w317 h4cf\" id=\"_e2ae60b4-1fcd-49a3-b95e-8f94381407d3\"><tr><td class=\"c x45e y3fc1 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff164 fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x45f y3fc2 w6e hd7\"><div class=\"t m2 x20c hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y3fc3 w13d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fc3 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fc3 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fc3 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fc3 w6e hd7\"><div class=\"t m2 xd9 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fc3 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fc4 w13d hd9\"><div class=\"t m2 x19f hcc y1dc1 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fc5 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fc5 w6e hdb\"><div class=\"t m2 x19b hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">636</span> <span class=\"lsab wscb\">12<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x461 y3fc5 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">578</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fc5 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">42</span> <span class=\"lsab wscb\">755</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc5 w6e hdb\"><div class=\"t m2 x19b hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">695</span> <span class=\"lsab wscb\">45<span class=\"_ _5\"></span>9</span> </div></td></tr><tr><td class=\"c x45e y3fc6 w13d hda\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fc6 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">388</span> <span class=\"lsab wscb\">746</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fc6 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">73</span> <span class=\"lsab wscb\">306</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fc6 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">10</span> <span class=\"lsab wscb\">171</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc6 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">472</span> <span class=\"lsab wscb\">223</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc7 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fc7 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">30</span> <span class=\"lsab wscb\">650</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fc7 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">35</span> <span class=\"lsab wscb\">994</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fc7 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">409</span> </div></td><td class=\"c x463 y3fc7 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">67</span> <span class=\"lsab wscb\">053</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc8 w13d hde\"><div class=\"t m2 x163 hcc y1dc1 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fc8 w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">806</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fc8 w6e hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">96</span> </div></td><td class=\"c x463 y3fc8 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">901</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc9 w13d hd9\"><div class=\"t m2 x19f hcc y1dae ff163 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fc9 w6e hd9\"><div class=\"t m2 x19b hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">055</span> <span class=\"lsab wscb\">52<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x461 y3fc9 w6e hd9\"><div class=\"t m2 x20f hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">125</span> <span class=\"lsab wscb\">877</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fc9 w6f hd9\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">806</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fc9 w6e hd9\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc9 w6e hd9\"><div class=\"t m2 x19b hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">258</span> <span class=\"lsab wscb\">63<span class=\"_ _5\"></span>7</span> </div></td></tr></table></div><div class=\"gs100\"><table class=\"s w317 h4d0\" id=\"_c53b5714-5ed1-4222-a687-c2307f13b909\"><tr><td class=\"c x45e y3fca w13c h136\"><div class=\"t m2 x19f hd1 y2036 ff164 fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fcb w13d hd7\"><div class=\"t m2 x19f hd8 y1da9 ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fcb w6e hd7\"><div class=\"t m2 x209 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fcb w6e hd7\"><div class=\"t m2 x209 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fcb w6f hd7\"><div class=\"t m2 x209 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fcb w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fcc w13d hd9\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fcd w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fcd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">745</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fcd w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">442</span> </div></td><td></td><td class=\"c x463 y3fcd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">749</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fce w13d hde\"><div class=\"t m2 x163 hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fce w6e hde\"><div class=\"t m2 x20f hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">251</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fce w6e hde\"><div class=\"t m2 x19e hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x463 y3fce w6e hde\"><div class=\"t m2 x20f hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">132</span> <span class=\"lsab wscb\">959</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fcf w13d hda\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fcf w6e hda\"><div class=\"t m2 x2d7 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">726</span> </div></td><td class=\"c x461 y3fcf w6e hda\"><div class=\"t m2 x2d7 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">670</span> </div></td><td></td><td class=\"c x463 y3fcf w6e hda\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">396</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd0 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fd0 w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td><td class=\"c x463 y3fd0 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td></tr><tr><td class=\"c x45e y3fd1 w13d hd9\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fd1 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">869</span> <span class=\"lsab wscb\">598</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd1 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fd1 w6f hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td><td class=\"c x463 y3fd1 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">898</span> <span class=\"lsab wscb\">468</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div><div class=\"gs101\"><table class=\"s w317 h4d0\" id=\"_17c29661-2aa8-4efc-b0d3-764dd9315dd4\"><tr><td class=\"c x45e y3fd2 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff164 fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fd3 w13d hd7\"><div class=\"t m2 x19f hd8 y200f ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fd3 w6e hd7\"><div class=\"t m2 x209 hcc y200f ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fd3 w6e hd7\"><div class=\"t m2 x209 hcc y200f ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fd3 w6f hd7\"><div class=\"t m2 x209 hcc y200f ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fd3 w6e hd7\"><div class=\"t m2 x248 hcc y200f ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fd4 w13d hdd\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fd5 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fd5 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">684</span> <span class=\"lsab wscb\">092</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd5 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">575</span> </div></td><td></td><td class=\"c x463 y3fd5 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">692</span> <span class=\"lsab wscb\">667</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd6 w13d hde\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fd6 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">118</span> <span class=\"lsab wscb\">181</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd6 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">218</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x463 y3fd6 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">135</span> <span class=\"lsab wscb\">398</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd7 w13d hdb\"><div class=\"t m2 x163 hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fd7 w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">929</span> </div></td><td class=\"c x461 y3fd7 w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">018</span> </div></td><td></td><td class=\"c x463 y3fd7 w6e hdb\"><div class=\"t m2 x19e hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">947</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd8 w13d hda\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fd8 w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td><td class=\"c x463 y3fd8 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td></tr><tr><td class=\"c x45e y3fd9 w13d hd9\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fd9 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">811</span> <span class=\"lsab wscb\">201</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd9 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">811</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fd9 w6f hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td><td class=\"c x463 y3fd9 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">848</span> <span class=\"lsab wscb\">235</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K8 K<span class=\"_ _1\"></span>reditteksponering per risik<span class=\"_ _2\"></span>oklasse<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w318 h4d1\" id=\"_a405d4cd-8301-458a-9314-702b6da44a0e\"><tr><td></td><td></td><td class=\"c x464 y3fda w147 hd7\"><div class=\"t m2 xbb hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x465 y3fda w148 hd7\"><div class=\"t m2 x91 hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y3fdb w146 h165\"><div class=\"t m2 x19f hd8 y1dae ff170 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y3fdb wdf h165\"><div class=\"t m2 x20a hcc y1dae ff16f fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x466 y3fdb wde h165\"><div class=\"t m2 x20a hcc y1dae ff16f fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3fdb wdd h165\"><div class=\"t m2 x20a hcc y1dae ff16f fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y3fdb wdd h165\"><div class=\"t m2 x209 hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x465 y3fdb w129 h165\"><div class=\"t m2 x266 hcc y1dae ff16f fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3fdb wdd h165\"><div class=\"t m2 x20a hcc y1dae ff16f fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y3fdb wde h165\"><div class=\"t m2 x20a hcc y1dae ff16f fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y3fdb w128 h165\"><div class=\"t m2 x209 hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3fdc w146 hd9\"><div class=\"t m2 x19f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y3fdc wdf hd9\"><div class=\"t m2 x20e hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x467 y3fdc wdd hd9\"><div class=\"t m2 x20e hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x465 y3fdc w129 hd9\"><div class=\"t m2 x20f hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y3fdc w128 hd9\"><div class=\"t m2 x20e hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3fdd w146 hda\"><div class=\"t m2 x19f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y3fdd wdf hda\"><div class=\"t m2 x20f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">(725)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x466 y3fdd wde hda\"><div class=\"t m2 x19b hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">453</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x402 y3fdd wdd hda\"><div class=\"t m2 x19b hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">960</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x467 y3fdd wdd hda\"><div class=\"t m2 x19b hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">139</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x465 y3fdd w129 hda\"><div class=\"t m2 x4f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">(752)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3fdd wdd hda\"><div class=\"t m2 x19b hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">197</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y3fdd wde hda\"><div class=\"t m2 x19b hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x469 y3fdd w128 hda\"><div class=\"t m2 x19b hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">540</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y3fde w146 hdb\"><div class=\"t m2 x19f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y3fde wdf hdb\"><div class=\"t m2 x247 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">791</span> </div></td><td class=\"c x466 y3fde wde hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">236</span> </div></td><td class=\"c x402 y3fde wdd hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">433</span> </div></td><td class=\"c x467 y3fde wdd hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">461</span> </div></td><td class=\"c x465 y3fde w129 hdb\"><div class=\"t m2 x19b hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">643</span> </div></td><td class=\"c x40a y3fde wdd hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">348</span> </div></td><td class=\"c x468 y3fde wde hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">766</span> </div></td><td class=\"c x469 y3fde w128 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff16f fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">756</span> </div></td></tr><tr><td class=\"c x400 y3fdf w146 hdb\"><div class=\"t m2 x19f hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y3fdf wdf hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x466 y3fdf wde hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x402 y3fdf wdd hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x467 y3fdf wdd hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x465 y3fdf w129 hdb\"><div class=\"t m2 x247 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x40a y3fdf wdd hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x468 y3fdf wde hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x469 y3fdf w128 hdb\"><div class=\"t m2 x248 hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> 4 </div></td></tr><tr><td class=\"c x400 y3fe0 w146 hde\"><div class=\"t m2 x19f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ringer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x466 y3fe0 wde hde\"><div class=\"t m2 x20e hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3fe0 wdd hde\"><div class=\"t m2 x20f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">(567)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y3fe0 wdd hde\"><div class=\"t m2 x20f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">(569)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x40a y3fe0 wdd hde\"><div class=\"t m2 x20e hcc y1da9 ff16f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y3fe0 wde hde\"><div class=\"t m2 x20f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">(347)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y3fe0 w128 hde\"><div class=\"t m2 x20f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscb\">(349)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3fe1 w146 hda\"><div class=\"t m2 x19f hcc y1da9 ff16f fs53 fc21 sc0 lsab wscd\">Inng\u00e5tt<span class=\"_ _5\"></span> p\u00e5 tidli<span class=\"_ _5\"></span>gere k<span class=\"_ _5\"></span>onstat<span class=\"_ _5\"></span>erte t<span class=\"_ _5\"></span>ap<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x402 y3fe1 wdd hda\"><div class=\"t m2 x247 hcc y1da9 ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">167</span> </div></td><td class=\"c x467 y3fe1 wdd hda\"><div class=\"t m2 x247 hcc y1da9 ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">167</span> </div></td><td></td><td></td><td class=\"c x468 y3fe1 wde hda\"><div class=\"t m2 x247 hcc y1da9 ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">221</span> </div></td><td class=\"c x469 y3fe1 w128 hda\"><div class=\"t m2 x247 hcc y1da9 ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">221</span> </div></td></tr><tr><td class=\"c x40f y3fe3 w319 h4d2\"><div class=\"t m2 x3f4 hcc y3e5d ff16f fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3fe2 ff16f fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y3fe4 wdf hdb\"><div class=\"t m2 x20f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscb\">(350)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x466 y3fe4 wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscb\">(358)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3fe4 wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff16f fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y3fe4 wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscb\">(724)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x465 y3fe4 w129 hdb\"><div class=\"t m2 x4f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscb\">(167)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3fe4 wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscb\">(127)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y3fe4 wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff16f fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y3fe4 w128 hdb\"><div class=\"t m2 x20f hcc y1db0 ff16f fs53 fc21 sc0 lsab wscb\">(299)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3fe5 w146 hd9\"><div class=\"t m2 x19f hdc y1dae ff16e fs53 fc21 sc0 lsb3 wsf3\">Total<span class=\"_ _5\"></span>e neds<span class=\"_ _5\"></span>kriv<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y3fe5 wdf hd9\"><div class=\"t m2 x20f hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">(285)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x466 y3fe5 wde hd9\"><div class=\"t m2 x20f hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">(575)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x402 y3fe5 wdd hd9\"><div class=\"t m2 x19b hcc y1dae ff16f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">943</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x467 y3fe5 wdd hd9\"><div class=\"t m2 x19b hcc y1dae ff16f fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">803</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x465 y3fe5 w129 hd9\"><div class=\"t m2 x4f hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">(277)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y3fe5 wdd hd9\"><div class=\"t m2 x20e hcc y1dae ff16f fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">25</span> </div></td><td class=\"c x468 y3fe5 wde hd9\"><div class=\"t m2 x20f hcc y1dae ff16f fs53 fc21 sc0 lsab wscb\">(956)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y3fe5 w128 hd9\"><div class=\"t m2 x19b hcc y1dae ff16f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">209</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3f6 y3fe9 w31a h4d3\"><div class=\"t m2 x3f4 hd8 y3fe6 ff170 fs53 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y3fe7 ff16f fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3fe8 ff16f fs55 fc21 sc0 lsaf wsf6\">Kontrakts<span class=\"_ _5\"></span>regulerte utest\u00e5ende bel\u00f8p for finansiell<span class=\"_ _5\"></span>e eiendeler som ble nedskrevet i l\u00f8pet av rapporteringsperioden,<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span><span class=\"wsd2\">og som <span class=\"_ _5\"></span>fremdeles er under<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y3f53 ff16f fs55 fc21 sc0 lsaf wsf6\">lagt h\u00e5ndhevi<span class=\"_ _5\"></span>ngsaktiviteter var 68 millioner kroner per 31. desember 20<span class=\"ls0 ws0\">2</span>5 (51 millioner kroner per 31. desember 20<span class=\"ls0 ws0\">2<span class=\"lsc1 wsce\">4).</span> </span></div></td><td class=\"c x410 y3ea2 w31b h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff170 fs53 fc21 sc0 lsab wscd\">Nedsk<span class=\"_ _5\"></span>rivni<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"_ _5\"></span>finans<span class=\"_ _5\"></span>ielle i<span class=\"_ _5\"></span>nstr<span class=\"_ _5\"></span>umenter i<span class=\"_ _5\"></span>nklu<span class=\"_ _5\"></span>derer n<span class=\"_ _5\"></span>edskriv<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span>er relat<span class=\"_ _5\"></span>ert til l<span class=\"_ _5\"></span>\u00e5nepo<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>en un<span class=\"_ _5\"></span>der avvikl<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span> i Pole<span class=\"_ _5\"></span>n p\u00e5 7<span class=\"_ _5\"></span>24 mill<span class=\"_ _5\"></span>ioner<span class=\"_ _5\"></span> kroner. S<span class=\"_ _5\"></span>e n<span class=\"_ _5\"></span>ote K51<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x414 y3e64 w31c h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff170 fs53 fc21 sc0 lsab wscd\">Betinged<span class=\"_ _5\"></span>e utfal<span class=\"_ _5\"></span>l.<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K9 Nedskrivninger p\u00e5 finansielle ins<span class=\"_ _1\"></span>trumenter<span class=\"_ _1c5\"> </span></div><div class=\"c w111 h14e gs106\"><div class=\"t m2 x248 hcf y2145 ff171 fs55 fc21 sc0 lsaf wsf6\">Tabellen under avst<span class=\"_ _5\"></span>emmer inng\u00e5ende mot utg\u00e5ende balanse for brutto b<span class=\"wscf\">alansef\u00f8rt </span>v<span class=\"_ _5\"></span>erdi og maksimal eksponering for utl\u00e5n til kunder til </div><div class=\"t m2 x248 hcf y2146 ff171 fs55 fc21 sc0 lsaf wsf6\">amortis<span class=\"_ _5\"></span>ert kost og finansielle garantier og utrukne rammer. Maksimal eksponering<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span><span class=\"lsbe ws104\">for k<span class=\"_ _5\"></span>redit<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>isik<span class=\"_ _5\"></span>o</span> </span>er brutto bal<span class=\"_ _5\"></span>ansef\u00f8rt verdi av utl\u00e5n til kunder </div><div class=\"t m2 x248 hcf y2147 ff171 fs55 fc21 sc0 lsaf wscf\">pluss<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">ikk<span class=\"_ _5\"></span>e balansef\u00f8rt eksponering, som hovedsakelig omfatter </span>finansi<span class=\"_ _5\"></span>elle <span class=\"wsf6\">garantier, utrukne rammer og til<span class=\"_ _5\"></span>bud.<span class=\"ls0 ws0\"> </span>Avstemmingspostene inkluderer </span></div><div class=\"t m2 x248 hcf y235d ff171 fs55 fc21 sc0 lsaf wscf\">f\u00f8lgende:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y246a ff173 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff171\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Ov<span class=\"_ _5\"></span>erf\u00f8ringer mellom grupper som f\u00f8lge av vesentlig endring i kreditt<span class=\"_ _5\"></span>risiko.</span> </span></div><div class=\"t m2 x248 hcf y246b ff173 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff171\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger som skyldes fraregning av l\u00e5n og finansiel<span class=\"_ _5\"></span>le garantier og utrukne rammer i l\u00f8pet av perioden.</span> </span></div><div class=\"t m2 x248 hcf y246c ff173 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff171\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger som skyldes opprettelse av nye finansiel<span class=\"_ _5\"></span>le instrumenter i l\u00f8pet av perioden.</span> </span></div><div class=\"t m2 x248 hcf y214c ff173 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff171\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Val<span class=\"_ _5\"></span>utakursendringer og andre endringer som p\u00e5vi<span class=\"_ _5\"></span>rker brutto bokf\u00f8rt verdi og maksimal eksponering.</span> </span></div><div class=\"t m2 x248 hcf y214d ff171 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs107\"><table class=\"s w31d h4d4\" id=\"_499509ad-d15a-4117-a476-e356410cb87d\"><tr><td class=\"c x425 y3fea w149 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff172 fs55 fc21 sc0 lsc1 ws116\">Utl\u00e5n til amor<span class=\"_ _5\"></span>tisert kost<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y3feb w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff174 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3feb w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y3feb w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3feb w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y3feb w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3fec w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff172 fs53 fc21 sc0 lsb3 wsf1\">Brutt<span class=\"_ _5\"></span>o bal<span class=\"_ _5\"></span>anse<span class=\"_ _5\"></span>f\u00f8r<span class=\"_ _5\"></span>t verdi<span class=\"_ _5\"></span> per<span class=\"_ _5\"></span> 1. j<span class=\"_ _5\"></span>anua<span class=\"_ _5\"></span>r 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3fec w6e hdd\"><div class=\"t m2 x19b hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">791</span> <span class=\"lsab wscb\">35<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x46c y3fec w6f hdd\"><div class=\"t m2 x20f hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">145</span> <span class=\"lsab wscb\">406</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x44e y3fec w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">283</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46d y3fec w6e hdd\"><div class=\"t m2 x19b hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">963</span> <span class=\"lsab wscb\">04<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x425 y3fed w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3fed w6e hdb\"><div class=\"t m2 x20f hcc y1dae ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">118</span> <span class=\"lsab wscb\">026</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46c y3fed w6f hdb\"><div class=\"t m2 x1ab hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(115<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">018</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x44e y3fed w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">008</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td></tr><tr><td class=\"c x425 y3fee w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3fee w6e hdb\"><div class=\"t m2 x1ab hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(142<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">399</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x46c y3fee w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">144</span> <span class=\"lsab wscb\">625</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x44e y3fee w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">226</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td></tr><tr><td class=\"c x425 y3fef w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3fef w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">346</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46c y3fef w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">525</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3fef w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">871</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td></tr><tr><td class=\"c x425 y3ff0 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff171 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff0 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">641</span> <span class=\"lsab wscb\">167</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46c y3ff0 w6f hde\"><div class=\"t m2 x2d7 hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">868</span> </div></td><td class=\"c x44e y3ff0 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">703</span> </div></td><td class=\"c x46d y3ff0 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">647</span> <span class=\"lsab wscb\">738</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x425 y3ff1 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff171 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff1 w6e hdb\"><div class=\"t m2 x1ab hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(364<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x46c y3ff1 w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">008</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3ff1 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">955</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y3ff1 w6e hdb\"><div class=\"t m2 x1ab hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(421<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">100</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x425 y3ff2 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff2 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">992</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46c y3ff2 w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">656</span> </div></td><td class=\"c x44e y3ff2 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">142</span> </div></td><td class=\"c x46d y3ff2 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">791</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x425 y3ff3 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff3 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">(131)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y3ff3 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">(127)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3ff3 w6e hda\"><div class=\"t m2 xf9 hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y3ff3 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">(263)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3ff4 w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff172 fs53 fc21 sc0 lsab wscd\">Brutto <span class=\"_ _5\"></span>balanse<span class=\"_ _5\"></span>f\u00f8rt v<span class=\"_ _5\"></span>erdi p<span class=\"_ _5\"></span>er 31. d<span class=\"_ _5\"></span>ese<span class=\"_ _5\"></span>mber 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff4 w6e hdd\"><div class=\"t m2 x19b hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">055</span> <span class=\"lsab wscb\">52<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x46c y3ff4 w6f hdd\"><div class=\"t m2 x20f hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">125</span> <span class=\"lsab wscb\">877</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x44e y3ff4 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">806</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46d y3ff4 w6e hdd\"><div class=\"t m2 x19b hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">205</span> <span class=\"lsab wscb\">20<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x425 y3ff5 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff5 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">618</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46c y3ff5 w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(90<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">962</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3ff5 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">656</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td></tr><tr><td class=\"c x425 y3ff6 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff6 w6e hdb\"><div class=\"t m2 x1ab hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(133<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">855</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x46c y3ff6 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">136</span> <span class=\"lsab wscb\">591</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x44e y3ff6 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">736</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td></tr><tr><td class=\"c x425 y3ff7 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff7 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">129</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46c y3ff7 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">148</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3ff7 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">277</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td></tr><tr><td class=\"c x425 y3ff8 w13c hde\"><div class=\"t m2 x19f hcc y1dc1 ff171 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff8 w6e hde\"><div class=\"t m2 x19b hcc y1dc1 ff171 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">075</span> <span class=\"lsab wscb\">21<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x46c y3ff8 w6f hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff171 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">207</span> </div></td><td class=\"c x44e y3ff8 w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff171 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">929</span> </div></td><td class=\"c x46d y3ff8 w6e hde\"><div class=\"t m2 x19b hcc y1dc1 ff171 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">084</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x425 y3ff9 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff171 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ff9 w6e hdb\"><div class=\"t m2 x1ab hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(869<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">819</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x46c y3ff9 w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(46<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">069</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3ff9 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">760</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y3ff9 w6e hdb\"><div class=\"t m2 x1ab hcc y1dae ff171 fs53 fc21 sc0 lsb2 wsf1\">(927<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">648</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x425 y3ffa w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff171 fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ffa w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff171 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">678</span> </div></td><td></td><td></td><td class=\"c x46d y3ffa w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff171 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">678</span> </div></td></tr><tr><td class=\"c x425 y3ffb w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ffb w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">739</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46c y3ffb w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">331</span> </div></td><td class=\"c x44e y3ffb w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">79</span> </div></td><td class=\"c x46d y3ffb w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">330</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x46f y3ffc w31e h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff171 fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46e h121 y3ebb ff171 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46b y3ffd w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff171 fs53 fc21 sc0 lsab wscb\">(325)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y3ffd w6f hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff171 fs53 fc21 sc0 lsab wscb\">(358)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3ffd w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff171 fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y3ffd w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff171 fs53 fc21 sc0 lsab wscb\">(700)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3ffe w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff172 fs53 fc21 sc0 lsab wscd\">Brutto <span class=\"_ _5\"></span>balanse<span class=\"_ _5\"></span>f\u00f8rt v<span class=\"_ _5\"></span>erdi p<span class=\"_ _5\"></span>er 31. d<span class=\"_ _5\"></span>ese<span class=\"_ _5\"></span>mber 202<span class=\"_ _5\"></span>5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y3ffe w6e hdd\"><div class=\"t m2 x19b hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">217</span> <span class=\"lsab wscb\">16<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x46c y3ffe w6f hdd\"><div class=\"t m2 x20f hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">124</span> <span class=\"lsab wscb\">470</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x44e y3ffe w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">922</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x46d y3ffe w6e hdd\"><div class=\"t m2 x19b hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">364</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff174 fs53 fc21 sc0 ls0 ws0\">1</div></td><td class=\"c x410 y3e64 w31f h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff174 fs53 fc21 sc0 lsab wscd\">Redu<span class=\"_ _5\"></span>ksjon i<span class=\"_ _5\"></span> brutto <span class=\"_ _5\"></span>balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi <span class=\"_ _5\"></span>er relat<span class=\"_ _5\"></span>ert til<span class=\"_ _5\"></span> l\u00e5ne<span class=\"_ _5\"></span>portef\u00f8l<span class=\"_ _5\"></span>je und<span class=\"_ _5\"></span>er avvi<span class=\"_ _5\"></span>kling<span class=\"_ _5\"></span> i Pole<span class=\"_ _5\"></span>n. Se no<span class=\"_ _5\"></span>te K<span class=\"_ _5\"></span>51 Betin<span class=\"_ _5\"></span>gede <span class=\"_ _5\"></span>utfall.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td></tr></table></div><div class=\"gs108\"><table class=\"s w317 h4d5\" id=\"_9b017b32-816a-493c-a9f4-7946c51c931f\"><tr><td class=\"c x45e y3fff w149 h139\"><div class=\"t m2 x19f hd1 y2193 ff172 fs55 fc21 sc0 lsae wsce\">Finansielle <span class=\"_ _1\"></span>garantier o<span class=\"_ _1\"></span>g utrukne<span class=\"_ _1\"></span> rammer<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4000 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff174 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4000 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4000 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4000 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4000 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4001 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff172 fs53 fc21 sc0 lsab wscd\">Maksima<span class=\"_ _5\"></span>l eks<span class=\"_ _5\"></span>poneri<span class=\"_ _5\"></span>ng per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4001 w6e hd9\"><div class=\"t m2 x20f hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">747</span> <span class=\"lsab wscb\">287</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4001 w6f hd9\"><div class=\"t m2 x19e hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">506</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y4001 w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">091</span> </div></td><td class=\"c x463 y4001 w6e hd9\"><div class=\"t m2 x20f hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">788</span> <span class=\"lsab wscb\">885</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4002 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4002 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">716</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4002 w6f hda\"><div class=\"t m2 x247 hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(24<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">509</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y4002 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4003 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4003 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff171 fs53 fc21 sc0 lsb2 wsf1\">(26<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">628</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y4003 w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">726</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y4003 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff171 fs53 fc21 sc0 lsb2 wsf1\">(98)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4004 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4004 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">(349)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4004 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">(611)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4004 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">959</span> </div></td><td></td></tr><tr><td class=\"c x45e y4005 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4005 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">562</span> <span class=\"lsab wscb\">504</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4005 w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">431</span> </div></td><td class=\"c x45f y4005 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">959</span> </div></td><td class=\"c x463 y4005 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">566</span> <span class=\"lsab wscb\">894</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4006 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4006 w6e hda\"><div class=\"t m2 x1ab hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(511<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">944</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x462 y4006 w6f hda\"><div class=\"t m2 x247 hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">318</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y4006 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">501</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y4006 w6e hda\"><div class=\"t m2 x1ab hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(523<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">763</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x45e y4007 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff171 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4007 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">615</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4007 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">586</span> </div></td><td class=\"c x45f y4007 w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">19</span> </div></td><td class=\"c x463 y4007 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">220</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4008 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff172 fs53 fc21 sc0 lsab wscd\">Maksima<span class=\"_ _5\"></span>l eks<span class=\"_ _5\"></span>poneri<span class=\"_ _5\"></span>ng per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4008 w6e hd9\"><div class=\"t m2 x20f hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">811</span> <span class=\"lsab wscb\">201</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4008 w6f hd9\"><div class=\"t m2 x19e hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">811</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y4008 w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td><td class=\"c x463 y4008 w6e hd9\"><div class=\"t m2 x20f hdc y1db0 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">848</span> <span class=\"lsab wscb\">235</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4009 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4009 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">359</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4009 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">880</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y4009 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">479</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td></tr><tr><td class=\"c x45e y400a w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y400a w6e hda\"><div class=\"t m2 x247 hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(23<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">201</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y400a w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">25</span> <span class=\"lsab wscb\">257</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y400a w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">056</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td></tr><tr><td class=\"c x45e y400b w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff171 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y400b w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff171 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">628</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y400b w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff171 fs53 fc21 sc0 lsab wscb\">(907)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y400b w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">534</span> </div></td><td></td></tr><tr><td class=\"c x45e y400c w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y400c w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">635</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y400c w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">958</span> </div></td><td class=\"c x45f y400c w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">590</span> </div></td><td class=\"c x463 y400c w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">503</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y400d w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y400d w6e hdb\"><div class=\"t m2 x1ab hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(439<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x462 y400d w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">989</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y400d w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">818</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y400d w6e hdb\"><div class=\"t m2 x1ab hcc y1db0 ff171 fs53 fc21 sc0 lsb2 wsf1\">(454<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">099</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x45e y400e w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff171 fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y400e w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">869</span> </div></td><td></td><td></td><td class=\"c x463 y400e w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff171 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">869</span> </div></td></tr><tr><td class=\"c x45e y400f w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff171 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y400f w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff171 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">345</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y400f w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff171 fs53 fc21 sc0 lsab wscb\">(432)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y400f w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff171 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">56</span> </div></td><td class=\"c x463 y400f w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff171 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">720</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4010 w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff172 fs53 fc21 sc0 lsab wscd\">Maksima<span class=\"_ _5\"></span>l eks<span class=\"_ _5\"></span>poneri<span class=\"_ _5\"></span>ng per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4010 w6e hdd\"><div class=\"t m2 x20f hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">869</span> <span class=\"lsab wscb\">598</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4010 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y4010 w6e hdd\"><div class=\"t m2 x2d7 hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td><td class=\"c x463 y4010 w6e hdd\"><div class=\"t m2 x20f hdc y1da9 ff172 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">898</span> <span class=\"lsab wscb\">468</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K10 Utvikling i brutto balanse<span class=\"_ _1\"></span>f\u00f8rt ver<span class=\"_ _1\"></span>di og maksimal ek<span class=\"_ _1\"></span>sponering<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h147 gs10b\"><div class=\"t m2 x20e hcf y20c1 ff17c fs55 fc21 sc0 lsaf wsf6\">Tabellen under avst<span class=\"_ _5\"></span>emmer inng\u00e5ende mot utg\u00e5ende balanse for akkumulerte nedskrivninger p\u00e5 utl\u00e5n til kunder til amort<span class=\"_ _5\"></span>isert kos<span class=\"wsd2\">t og fi<span class=\"_ _5\"></span>nansielle </span></div><div class=\"t m2 x20e hcf y20c2 ff17c fs55 fc21 sc0 lsaf wsf6\">garantier og utruk<span class=\"_ _5\"></span>ne rammer. Avstemmingspostene inkluderer f\u00f8l<span class=\"_ _5\"></span>gende:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y24bf ff17d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Ov<span class=\"_ _5\"></span>erf\u00f8ringer mellom grupper som f\u00f8lge av vesentlig endring i kreditt<span class=\"_ _5\"></span>risiko. Overf\u00f8ringen antas \u00e5 skje f\u00f8r den etterf\u00f8lgende n</span>y<span class=\"lsaf wscf\">e m\u00e5li<span class=\"_ _5\"></span>ngen </span></span></div><div class=\"t m2 x199 hcf y24c0 ff17c fs55 fc21 sc0 lsaf wsf6\">av avsetningen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y24c1 ff17d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger som skyldes overf\u00f8ring mellom 12</span>-<span class=\"lsaf wsf6\">m\u00e5neders<span class=\"_ _5\"></span> forventet kredittap i gruppe 1 og forventet kredittap i levetiden i gruppene 2 og 3. </span> </span></div><div class=\"t m2 x20e hcf y24c2 ff17d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger i avsetning som skyldes opprettelse av nye finans<span class=\"_ _5\"></span>ielle instrumenter i l\u00f8pet av perioden.</span> </span></div><div class=\"t m2 x20e hcf y24c3 ff17d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">\u00d8k<span class=\"_ _5\"></span>ninger og nedganger i forventet kredittap som f\u00f8lge av endringer i parametre og forutset<span class=\"_ _5\"></span>ninger, inkludert makroframskrivni<span class=\"_ _5\"></span>n<span class=\"wsd2\">ger, i til<span class=\"_ _5\"></span>legg </span></span></span></div><div class=\"t m2 x199 hcf y24c4 ff17c fs55 fc21 sc0 lsaf wsf6\">til effekt<span class=\"_ _5\"></span>en av delvis tilbakebetaling p\u00e5 eksisterende fas<span class=\"_ _5\"></span>iliteter og tilbakef\u00f8ring av tidsverdien av diskontert<span class=\"_ _5\"></span>e ve<span class=\"wsd2\">rdier grunnet t<span class=\"_ _5\"></span>idsforl\u00f8p.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y24c5 ff17d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger i avsetning som skyldes fraregning av fi<span class=\"_ _5\"></span>nansielle garantier og utrukne rammer i l\u00f8pet av perioden.</span> </span></div><div class=\"t m2 x20e hcf y24c6 ff17d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Konst<span class=\"_ _5\"></span>ateringer, valut<span class=\"_ _5\"></span>akursendringer og andre endringer som p\u00e5virker det forventede kreditt<span class=\"_ _5\"></span>apet.</span> </span></div><div class=\"t m2 x20e hcf y24c7 ff17c fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs10c\"><table class=\"s w320 h4d6\" id=\"_4dae6694-7728-4598-a528-bb245c2b88ad\"><tr><td class=\"c x3db y4011 w13c h139\"><div class=\"t m2 x19f hd1 y1fa6 ff17b fs55 fc21 sc0 lsc1 ws116\">Utl\u00e5n til amor<span class=\"_ _5\"></span>tisert kost<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y4012 w152 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff17e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4012 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4012 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4012 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4012 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4013 w152 hdd\"><div class=\"t m2 x19f hdc y1da9 ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4013 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(680)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4013 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(834)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4013 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">261</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4013 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">775</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4014 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4014 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(468)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4014 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">438</span> </div></td><td class=\"c x3dd y4014 w6f hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">30</span> </div></td><td></td></tr><tr><td class=\"c x3db y4015 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4015 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">111</span> </div></td><td class=\"c x436 y4015 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(134)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4015 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td></td></tr><tr><td class=\"c x3db y4016 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4016 w6e hda\"><div class=\"t m2 x134 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td class=\"c x436 y4016 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">102</span> </div></td><td class=\"c x3dd y4016 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(107)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4017 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff17c fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(435)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(143)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(578)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4018 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4018 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(290)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4018 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(855)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4018 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">715</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4018 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">860</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4019 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4019 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">933</span> </div></td><td class=\"c x436 y4019 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">454</span> </div></td><td class=\"c x3dd y4019 w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">925</span> </div></td><td class=\"c x3de y4019 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">311</span> </div></td></tr><tr><td class=\"c x3db y401a w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y401a w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">370</span> </div></td><td class=\"c x3de y401a w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">370</span> </div></td></tr><tr><td class=\"c x3db y401b w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401b w6e hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">51</span> </div></td><td class=\"c x436 y401b w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">238</span> </div></td><td class=\"c x3dd y401b w6f hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">158</span> </div></td><td class=\"c x3de y401b w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">447</span> </div></td></tr><tr><td class=\"c x3db y401c w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401c w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401c w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401c w6f hdb\"><div class=\"t m2 x249 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y401c w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y401d w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401d w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff17b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401d w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff17b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401d w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff17b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y401d w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">124</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y401e w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401e w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(424)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401e w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">407</span> </div></td><td class=\"c x3dd y401e w6f hda\"><div class=\"t m2 x1e3 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td></td></tr><tr><td class=\"c x3db y401f w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401f w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">151</span> </div></td><td class=\"c x436 y401f w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">(183)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401f w6f hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">33</span> </div></td><td></td></tr><tr><td class=\"c x3db y4020 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4020 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td class=\"c x436 y4020 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">91</span> </div></td><td class=\"c x3dd y4020 w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(101)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4021 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(304)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(130)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(434)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4022 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4022 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(287)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4022 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(879)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4022 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">024</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4022 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">190</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4023 w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4023 w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">882</span> </div></td><td class=\"c x436 y4023 w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">317</span> </div></td><td class=\"c x3dd y4023 w6f hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">722</span> </div></td><td class=\"c x3de y4023 w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">921</span> </div></td></tr><tr><td class=\"c x3db y4024 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y4024 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">234</span> </div></td><td class=\"c x3de y4024 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">234</span> </div></td></tr><tr><td class=\"c x3db y4025 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4025 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x436 y4025 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">210</span> </div></td><td class=\"c x3dd y4025 w6f hdb\"><div class=\"t m2 x134 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x3de y4025 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">234</span> </div></td></tr><tr><td class=\"c x3db y4026 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4026 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3de y4026 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4027 w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4027 w6e hde\"><div class=\"t m2 xf9 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4027 w6e hde\"><div class=\"t m2 xf9 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4027 w6f hde\"><div class=\"t m2 x249 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4027 w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4028 w152 hdd\"><div class=\"t m2 x19f hdc y1da9 ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4028 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4028 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4028 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4028 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">410</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K11 Utvikling i akkumulerte nedskrivninger a<span class=\"_ _1\"></span>v finansielle instrumenter<span class=\"_ _1c5\"> </span></div><div class=\"gs10f\"><table class=\"s w321 h4d7\" id=\"_7a72e099-1e8d-4cd6-bf6e-8ed01e7bb3af\"><tr><td class=\"c x45e y4029 w149 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff181 fs55 fc21 sc0 lsae wsce\">Finansielle <span class=\"_ _1\"></span>garantier o<span class=\"_ _1\"></span>g utrukne<span class=\"_ _1\"></span> rammer<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y402a w13d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff182 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402a w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402a w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402a w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y402a w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y402b w13d hd9\"><div class=\"t m2 x19f hdc y1dae ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(245)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402b w6f hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(205)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(679)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y402c w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402c w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(124)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402c w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">122</span> </div></td><td class=\"c x45f y402c w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff180 fs53 fc21 sc0 ls0 ws0\"> 2 </div></td><td></td></tr><tr><td class=\"c x45e y402d w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402d w6e hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y402d w6f hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td></tr><tr><td class=\"c x45e y402e w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y402e w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">13</span> </div></td><td class=\"c x45f y402e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff180 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y402f w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402f w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">(252)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402f w6f hdb\"><div class=\"t m2 x249 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(32)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y402f w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4030 w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4030 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(66)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4030 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(158)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4030 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(819)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4030 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">043</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4031 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4031 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">383</span> </div></td><td class=\"c x462 y4031 w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">89</span> </div></td><td class=\"c x45f y4031 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">751</span> </div></td><td class=\"c x463 y4031 w6e hda\"><div class=\"t m2 x2d7 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">223</span> </div></td></tr><tr><td class=\"c x45e y4032 w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4032 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x462 y4032 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">52</span> </div></td><td class=\"c x45f y4032 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x463 y4032 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">149</span> </div></td></tr><tr><td class=\"c x45e y4033 w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4033 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4033 w6f hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4033 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4034 w13d hd9\"><div class=\"t m2 x19f hdc y1da9 ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4034 w6f hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(642)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4035 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4035 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4035 w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">70</span> </div></td><td class=\"c x45f y4035 w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 8 </div></td><td></td></tr><tr><td class=\"c x45e y4036 w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4036 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y4036 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff180 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4036 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">42</span> </div></td><td></td></tr><tr><td class=\"c x45e y4037 w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4037 w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 6 </div></td><td class=\"c x462 y4037 w6f hdb\"><div class=\"t m2 x1e3 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">13</span> </div></td><td class=\"c x45f y4037 w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4038 w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4038 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4038 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(107)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4038 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(277)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4039 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4039 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(62)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4039 w6f hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4039 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(70)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4039 w6e hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">(301)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y403a w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">316</span> </div></td><td class=\"c x462 y403a w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">120</span> </div></td><td class=\"c x45f y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">173</span> </div></td><td class=\"c x463 y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">609</span> </div></td></tr><tr><td class=\"c x45e y403b w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403b w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x462 y403b w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">110</span> </div></td><td class=\"c x45f y403b w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x463 y403b w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">111</span> </div></td></tr><tr><td class=\"c x45e y403c w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403c w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x463 y403c w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y403d w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x462 y403d w6f hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45f y403d w6e hda\"><div class=\"t m2 xf9 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y403d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td></tr><tr><td class=\"c x45e y403e w13d hdd\"><div class=\"t m2 x19f hdc y1db0 ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403e w6e hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y403e w6f hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y403e w6e hdd\"><div class=\"t m2 x249 hdc y1db0 ff181 fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y403e w6e hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h147 gs110\"><div class=\"t m2 x248 he2 y24bd ff180 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y24be ff180 fs55 fc21 sc0 lsaf wsf6\">For forklarende komment<span class=\"_ _5\"></span>arer om nedskrivninger p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er, se \u00c5rsberetningen <span class=\"ls0 ws0\">\u2013 </span>generelle opplysninger.<span class=\"_ _1c5\"> </span><span class=\"_ _5\"></span> </div></div><div class=\"gsd3\"><table class=\"s w322 h4d8\" id=\"_0e360c70-2df6-4d5d-8e83-8bb3d40fad78\"><tr><td class=\"c x400 y403f we4 h139\"><div class=\"t m2 x19f hd1 y24ff ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4040 wdd h13b\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4041 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y4042 wdd hd7\"><div class=\"t m2 x28c hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y4042 wde hd7\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4043 we4 hd7\"><div class=\"t m2 x19f hd8 y2503 ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4043 wdd hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4043 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4043 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4043 w15a hd7\"><div class=\"t m2 x266 hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4043 wde hd7\"><div class=\"t m2 x28b hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4043 w128 hd7\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4044 we4 h135\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4044 wdd h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4044 wdd h135\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4044 wdc h135\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4044 w15a h135\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(138)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4044 w128 h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>006<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4045 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4045 wdd h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>993<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4045 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4045 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(132)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4045 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(510)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4045 wde h136\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">106<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4045 w128 h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>286<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4046 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4046 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>463<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4046 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4046 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4046 w15a h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4046 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>435<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4047 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4047 wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>708<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4047 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4047 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4047 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(665)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4047 w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>013<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4048 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4048 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>455<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4048 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4048 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4048 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(853)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4048 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>550<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4049 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4049 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4049 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4049 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4049 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(213)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4049 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>835<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404a we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404a wdd h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td><td class=\"c x467 y404a wdd h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404a wdc h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y404a w128 h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td></tr><tr><td class=\"c x400 y404b we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>494<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404b w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(225)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404b wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404b w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>279<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404c we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404c wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404c wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(144)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404c w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(427)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404c w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>978<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404d we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404d wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404d wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404d wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404d w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(392)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404d w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>377<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>993<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(47)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404e w15a h136\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>869<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>297<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(51)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(91)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(419)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404f wde h139\"><div class=\"t m2 x2d7 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>763<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4050 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4050 wdd h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>856<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4050 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(56)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4050 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4050 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(588)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4050 wde h168\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">260<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4050 w128 h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>412<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4051 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4051 wdd h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">015</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x467 y4051 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(227)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4051 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(172)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4051 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(657)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4051 wde h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">45<span class=\"ls0 ws0\"> </span>730<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4051 w128 h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">059</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>9</span> </div></td></tr><tr><td class=\"c x400 y4052 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4052 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>908<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4052 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4052 wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(136)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4052 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(594)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4052 wde h139\"><div class=\"t m2 x246 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">7 </div></td><td class=\"c x469 y4052 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>129<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y4053 ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y4054 ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y4056 wdd h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">364</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x467 y4056 wdd h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4056 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4056 w15a h135\"><div class=\"t m2 x1e5 hdc ydd ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y4056 wde h135\"><div class=\"t m2 x19b hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4056 w128 h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w323 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 287</span> <span class=\"_ _5\"></span><span class=\"lsab wscd\">558 mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i rep<span class=\"_ _5\"></span>o handels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gs112\"><table class=\"s w322 h4d8\" id=\"_83c5f28c-f032-4a77-96d4-305914b6d798\"><tr><td class=\"c x400 y4057 we4 h136\"><div class=\"t m2 x19f hd1 y251a ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4058 wdd h13b\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4059 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y405a wdd hd7\"><div class=\"t m2 x28c hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y405a wde hd7\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y405b we4 hd7\"><div class=\"t m2 x19f hd8 ydd ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405b wdd hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405b wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405b wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405b w15a hd7\"><div class=\"t m2 x266 hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405b wde hd7\"><div class=\"t m2 x28b hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405b w128 hd7\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405c we4 h135\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405c wdd h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>272<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405c wdd h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405c wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405c w15a h135\"><div class=\"t m2 x1e4 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(76)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405c w128 h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>159<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405d we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405d wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">241<span class=\"ls0 ws0\"> </span>239<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405d wdd h139\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(151)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405d wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405d w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(526)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405d wde h139\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">105<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405d w128 h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405e wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405e w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(261)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>656<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405f wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(800)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>841<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4060 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4060 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span>568<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4060 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4060 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(34)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4060 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(878)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4060 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>623<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4061 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4061 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>964<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4061 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4061 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4061 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>941<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4062 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4062 wdd h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">854</span> </div></td><td class=\"c x467 y4062 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4062 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4062 w128 h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">853</span> </div></td></tr><tr><td class=\"c x400 y4063 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4063 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>358<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4063 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4063 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4063 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(186)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4063 wde h139\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4063 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>214<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4064 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4064 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>982<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4064 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4064 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(102)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4064 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4064 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4065 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4065 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4065 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(38)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4065 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(39)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4065 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(137)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4065 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">56<span class=\"ls0 ws0\"> </span>922<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4066 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4066 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>683<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4066 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4066 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4066 w15a h139\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(43)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4066 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>605<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4067 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4067 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4067 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(87)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4067 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4067 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(475)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4067 wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4067 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4068 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4068 wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>729<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4068 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(59)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4068 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4068 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(513)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4068 wde h139\"><div class=\"t m2 x19e hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">312<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4068 w128 h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>407<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4069 we4 h168\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4069 wdd h168\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">971<span class=\"ls0 ws0\"> </span>039<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4069 wdd h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4069 wdc h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(160)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4069 w15a h168\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(651)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4069 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>897<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4069 w128 h168\"><div class=\"t m2 x242 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">022</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x400 y406a we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y406a wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">78<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y406a wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406a wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(117)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406a w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(776)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y406a wde h136\"><div class=\"t m2 x246 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x469 y406a w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">77<span class=\"ls0 ws0\"> </span>742<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y406b ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y406c ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y406d wdd h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">205</span> <span class=\"lsab wscb\">20<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x467 y406d wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406d wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406d w15a h135\"><div class=\"t m2 x1e5 hdc y2503 ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y406d wde h135\"><div class=\"t m2 x19b hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y406d w128 h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w324 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 221 <span class=\"_ _5\"></span>435</span> <span class=\"lsab wscd\">mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i repo h<span class=\"_ _5\"></span>andels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K12 Utl\u00e5n og finansielle gar<span class=\"_ _1\"></span>antier og utrukne r<span class=\"_ _1\"></span>ammer til kunder etter n\u00e6ringssegment<span class=\"_ _1c5\"> </span></div><table class=\"s w325 h4d9\" id=\"_83fc7958-7fd3-4c63-9f02-52548d618007\"><tr><td class=\"c x45e y406e w15b h168\"><div class=\"t m2 x19f hd1 y24ff ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y406f wdd h165\"><div class=\"t m2 x1e5 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4070 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4071 w15c hd7\"><div class=\"t m2 x19f hd8 y2503 ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4071 wdd hd7\"><div class=\"t m2 x28b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4071 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4071 w128 hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4071 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4071 wde hd7\"><div class=\"t m2 x209 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4072 w15c h135\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4072 wdd h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>967<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4072 wdc h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4072 w128 h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4072 wdd h135\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4072 wde h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>936<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4073 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4073 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4073 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4073 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4073 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4073 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>515<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4074 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4074 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>544<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4074 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4074 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4074 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>533<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4075 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4075 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>383<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4075 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4075 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4075 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>334<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4076 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4076 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>157<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4076 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4076 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4076 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>134<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4077 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4077 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4077 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4077 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4077 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>989<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4078 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4078 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4078 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4078 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4078 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4079 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4079 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>677<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4079 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4079 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4079 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4079 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>662<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407a w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407a wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>512<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407a wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407a w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(77)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407a wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407a wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>408<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>375<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407c wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407c wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>895<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407d w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407d wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>945<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407d wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407d w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407d wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407d wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>911<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>975<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407e w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>943<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407f wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>745<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407f wde h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>720<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4080 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4080 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>422<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4080 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4080 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4080 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4080 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4081 w15c h135\"><div class=\"t m2 x19f hdc ydd ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4081 wdd h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">898<span class=\"ls0 ws0\"> </span>468<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4081 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4081 w128 h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4081 wdd h135\"><div class=\"t m2 x1b9 hdc ydd ff18f fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4081 wde h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">897<span class=\"ls0 ws0\"> </span>971<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w325 h4da\" id=\"_857bd6b1-ac90-419f-861e-4adbf943aa54\"><tr><td class=\"c x45e y4082 w15b h136\"><div class=\"t m2 x19f hd1 y251a ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4083 wdd h13b\"><div class=\"t m2 x1e5 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4084 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4085 w15c hd7\"><div class=\"t m2 x19f hd8 ydd ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4085 wdd hd7\"><div class=\"t m2 x28b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4085 wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4085 w128 hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4085 wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4085 wde hd7\"><div class=\"t m2 x209 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4086 w15c h135\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4086 wdd h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4086 wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4086 w128 h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4086 wdd h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4086 wde h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4087 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4087 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>468<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4087 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4087 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4087 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4087 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>444<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4088 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4088 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>584<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4088 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4088 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4088 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>577<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4089 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4089 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>098<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4089 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4089 w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4089 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4089 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408a w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408a wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>165<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408a wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(26)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408a w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408a wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>119<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>078<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408c wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408d w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408d wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>438<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408d wdc h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408d w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408d wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408d wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>428<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>772<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408e w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>378<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408f wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>332<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4090 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4090 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>901<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4090 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4090 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4090 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4090 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>825<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4091 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4091 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>827<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4091 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4091 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4091 wdd h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4091 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>778<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4092 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4092 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>883<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4092 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4092 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4092 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4092 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>846<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4093 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4093 wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">305<span class=\"ls0 ws0\"> </span>029<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4093 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4093 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4093 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4093 wde h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">304<span class=\"ls0 ws0\"> </span>994<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4094 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4094 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>892<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4094 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4094 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4094 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4094 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4095 w15c h135\"><div class=\"t m2 x19f hdc y2503 ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4095 wdd h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">848<span class=\"ls0 ws0\"> </span>235<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4095 wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4095 w128 h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4095 wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4095 wde h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">847<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-422": {
   "value": "Note K6 M\u00e5ling a<span class=\"_ _1\"></span>v forvente<span class=\"_ _1\"></span>t kredittap<span class=\"_ _1c5\"> </span><table class=\"s w304 h4be\" id=\"_01919e24-ea0e-4c11-ac9e-2784c623308f\"><tr><td class=\"c x3f6 y3f22 w305 h4bf\"><div class=\"t m2 x3f4 h12c y3f1c ff135 fs59 fc21 sc0 lsb7 wsfd\">De vikti<span class=\"_ _5\"></span>gste kompone<span class=\"_ _5\"></span>ntene for<span class=\"_ _5\"></span> m\u00e5ling av for<span class=\"_ _5\"></span>ventet kre<span class=\"_ _5\"></span>dittap</div><div class=\"t m2 x3f4 hcf y3f1d ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f1e ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f1f ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f20 ff134 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3f21 ff134 fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3f3d w306 h4c0\"><div class=\"t m2 x439 hcc y3edf ff134 fs53 fc21 sc0 lsb3 wsf3\">IFRS 9<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y3f23 ff134 fs55 fc21 sc0 lsaf wsf6\">Nedskrivninger er beregnet<span class=\"_ _5\"></span> ved bruk av forventet kredittap<span class=\"ls0 ws0\">-</span>modellen p\u00e5 f\u00f8lgende instrument<span class=\"_ _5\"></span>er som ikke er balansef\u00f8rt til virkelig verdi over </div><div class=\"t m2 x3f4 hcf y3f24 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">leasingf<span class=\"_ _5\"></span>ordringer</span> </span></div><div class=\"t m2 x3f4 hcf y3f25 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">utstedte l<span class=\"_ _5\"></span>\u00e5netilsagn</span> </span></div><div class=\"t m2 x3f4 hcf y3f26 ff134 fs55 fc21 sc0 lsaf wsf6\">ECL knyttet til ubenytt<span class=\"_ _5\"></span>ede deler av l\u00e5netilsagn er inkludert i linjen \u00abAvsetninger\u00bb i balansen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f27 ff134 fs55 fc21 sc0 lsaf wsf6\">DNB har en modell for beregning av forventede kredittap hvor l\u00e5n til kunder, l\u00e5netilsagn,<span class=\"_ _5\"></span> finansielle garantikont<span class=\"_ _5\"></span>rakter og andre finansielle </div><div class=\"t m2 x3f4 hcf y3f28 ff134 fs55 fc21 sc0 lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter som er innenfor virkeomr\u00e5det for nedskrivni<span class=\"_ _5\"></span>ngsreglene i IFRS 9, fordeles i tre grupper:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f29 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Et finansiel<span class=\"_ _5\"></span>t instrument som ikke er kj\u00f8pt eller opprettet kredittf<span class=\"_ _5\"></span>orringet ved f\u00f8rstegangsinnregning, er klassif<span class=\"_ _5\"></span>isert i gruppe 1 med 12</span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x43a hcf y3f2a ff134 fs55 fc21 sc0 lsaf wsd2\">m\u00e5neders ECL.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f2b ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Dersom det er vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko etter f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng, flyttes det finansi<span class=\"_ _5\"></span>elle instrumentet til gruppe 2</span> <span class=\"lsaf wsd2\">og m\u00e5les <span class=\"_ _5\"></span>til ECL i </span></span></div><div class=\"t m2 x43a hcf y3f2c ff134 fs55 fc21 sc0 lsaf wsf6\">leveti<span class=\"_ _5\"></span>den til instrumentet. Endringer i kredittris<span class=\"_ _5\"></span>iko reflekterer b\u00e5de kundespesifikk<span class=\"_ _5\"></span>e omstendigheter og utvikl<span class=\"wsd2\">ing <span class=\"_ _5\"></span>i relevante mak<span class=\"_ _5\"></span>rofaktorer for </span></div><div class=\"t m2 x43a hcf y3f2d ff134 fs55 fc21 sc0 lsaf wsf6\">det segmentet kunden tilh\u00f8rer.<span class=\"_ _5\"></span> Vurderingen av hva som utgj\u00f8r vesentlig \u00f8kning i risiko er basert p\u00e5 en kombinasjon av kvantitative og </div><div class=\"t m2 x3f4 hcf y3f2e ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Dersom kredittri<span class=\"_ _5\"></span>sikoen svekkes ytterligere, og det finansiell<span class=\"_ _5\"></span>e instrumentet er vurdert \u00e5 v\u00e6re kredittforringet, bl<span class=\"_ _5\"></span>ir instrume<span class=\"lsbc ws10c\">ntet fl<span class=\"_ _1\"></span>yttet<span class=\"_ _1\"></span> til </span></span></span></div><div class=\"t m2 x43a hcf y3f2f ff134 fs55 fc21 sc0 lsaf wscf\">gruppe<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">3, og ECL m\u00e5les for instrumentets lev<span class=\"_ _5\"></span>etid. I motsetning til gruppe 1 og 2 beregnes effektiv rente p\u00e5 amortisert kost i stedet for brutto </span></div><div class=\"t m2 x43a hcf y3f30 ff134 fs55 fc21 sc0 lsaf wscf\">balanse<span class=\"wsf6\">f\u00f8<span class=\"_ _5\"></span>rt verdi. For definisjon av kredittforringet,<span class=\"_ _5\"></span> se n\u00e6rmere beskrivelse nedenfor.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 hcf y3f31 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">12</span>-<span class=\"lsaf wsf6\">m\u00e5neders ECL m\u00e5les som den delen av ECL som utgj\u00f8r forventede kreditt<span class=\"_ _5\"></span>ap som kan oppst\u00e5 som f\u00f8lge av mislighold i l\u00f8pet av de </span></span></div><div class=\"t m2 x43a hcf y3f32 ff134 fs55 fc21 sc0 lsaf wsf6\">neste 12 m\u00e5nedene.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f33 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Tapsavset<span class=\"_ _5\"></span>ningen for finansielle instrumenter i gruppe 1 og 2 er beregnet som n\u00e5verdien av eksponering ved mislighol<span class=\"_ _5\"></span>d (eksponering ved </span></span></div><div class=\"t m2 x43a hcf y3f34 ff134 fs55 fc21 sc0 lsaf wsf6\">mislighold, EAD) multi<span class=\"_ _5\"></span>plisert med sannsynlighet for misli<span class=\"_ _5\"></span>ghold (probability of default, PD) multiplisert<span class=\"_ _5\"></span> med tapsgrad ved mislighold (loss </div><div class=\"t m2 x43a hcf y3f35 ff134 fs55 fc21 sc0 lsaf wsf6\">given default, LGD), og diskontert<span class=\"_ _5\"></span> ved \u00e5 anvende den effektive rente<span class=\"ls0 ws0\">-</span>metoden (eff<span class=\"_ _5\"></span>ective interest rate, EIR). PD, LGD og EAD tar </div><div class=\"t m2 x43a hcf y3f36 ff134 fs55 fc21 sc0 lsaf wsf6\">utgangspunkt i IRB<span class=\"ls0 ws0\">-</span>rammeverk<span class=\"_ _5\"></span>et, men er konvertert til \u00e5 bli forventningsrett og fremadskuende,<span class=\"_ _5\"></span> i motsetning til<span class=\"ls0 ws0\"> </span>konservativ og </div><div class=\"t m2 x43a hcf y3f37 ff134 fs55 fc21 sc0 lsaf wscf\">konjunkturuav<span class=\"_ _5\"></span>hengig. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f38 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Relevant og tilgjengel<span class=\"_ _5\"></span>ig historisk, aktuell og fremadskuende informasjon er brukt for \u00e5 estim<span class=\"_ _5\"></span>ere ECL. Til dette form\u00e5let er D<span class=\"lsbd ws117\">NBs<span class=\"_ _5\"></span> po<span class=\"_ _5\"></span>rt<span class=\"_ _5\"></span>ef\u00f8<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>je </span></span></span></div><div class=\"t m2 x43a hcf y3f39 ff134 fs55 fc21 sc0 lsaf wsd2\">delt i<span class=\"_ _5\"></span>nn i <span class=\"wscf\">15<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">segmenter bas<span class=\"_ _5\"></span>ert p\u00e5 geografi og bransje. Alle kunder innenfor samme segment er eksponert mot de samme risikodriv<span class=\"_ _5\"></span>erne. <span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y3f3a ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">For finansiel<span class=\"_ _5\"></span>le instrumenter som er kredittforringet i gruppe 3, foretas det enten indivi<span class=\"_ _5\"></span>duelle vurderinger eller modellberegni<span class=\"_ _5\"></span>nger av ECL </span></span></div><div class=\"t m2 x43a hcf y3f3b ff134 fs55 fc21 sc0 lsaf wsf6\">avhengig av portef\u00f8lj<span class=\"_ _5\"></span>e.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f3c ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">For gruppe 1 og 2 anvendes en modell for \u00e5 beregne ECL. </span> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y3f3e w112 h14f\"><div class=\"t m2 x19f hcc y1dc1 ff134 fs53 fc21 sc0 lsab wscb\">gruppe<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3f6 y3f40 w307 h4c1\"><div class=\"t m2 x43b hcc y3e5d ff134 fs53 fc21 sc0 lsa7 wsd1\">Utvikling i kredittrisiko<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f3f ff134 fs55 fc21 sc0 lsaf wscf\">resultat<span class=\"_ _5\"></span>et:<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3f6 y3f40 w308 h4c2\"><div class=\"t m2 x43c hcc y3e5d ff134 fs53 fc21 sc0 lsab wscb\">Kundest<span class=\"_ _5\"></span>atus<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f41 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">utstedte f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>garantier</span> </span></div></td><td class=\"c x3f6 y3f40 w309 h4c3\"><div class=\"t m2 x43d hcc y3e5d ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-</span>m\u00e5ling<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f42 ff136 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff134\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle eiendeler som er gjeldsinstrumenter</span> </span></div><div class=\"t m2 x43a hcf y3f43 ff134 fs55 fc21 sc0 lsaf wsf6\">kvalitativ<span class=\"_ _5\"></span>e indikatorer i tillegg til absolutte krit<span class=\"_ _5\"></span>erier. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3f44 ff134 fs55 fc21 sc0 lsaf wsf6\">M\u00e5ling av forventet kredittap bygger p\u00e5 f<span class=\"_ _5\"></span>\u00f8lgende prinsipper:<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f3e w96 h14f\"><div class=\"t m2 x19f hcc y1dc1 ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">m\u00e5leme<span class=\"_ _5\"></span>tode</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y3f3e w116 h14f\"><div class=\"t m2 x19f hcc y1dc1 ff134 fs53 fc21 sc0 lsab wsd0\">Effektiv re<span class=\"_ _5\"></span>ntebe<span class=\"_ _5\"></span>regni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f45 w112 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x440 y3f45 w113 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Ikke vese<span class=\"_ _5\"></span>ntlig<span class=\"_ _5\"></span> \u00f8knin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x441 y3f45 w114 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsb3 ws121\">Frisk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x442 y3f45 w115 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">12 m\u00e5ned<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f45 w96 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">modell</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y3f45 w116 h150\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Brutto b<span class=\"_ _5\"></span>alansef<span class=\"_ _5\"></span>\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f46 w112 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x440 y3f46 w113 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wsd0\">Vesentl<span class=\"_ _5\"></span>ig \u00f8kning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x441 y3f46 w114 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsb3 ws121\">Frisk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x442 y3f46 w115 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscb\">Levetid<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f46 w96 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsa7 wsc9\">ECL<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">modell</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y3f46 w116 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Brutto b<span class=\"_ _5\"></span>alansef<span class=\"_ _5\"></span>\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f47 w112 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x440 y3f47 w113 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsa7 wsc9\">Misligholdt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x441 y3f47 w114 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x442 y3f47 w115 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscb\">Levetid<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43e y3f47 w96 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsab wscd\">Individu<span class=\"_ _5\"></span>ell m<span class=\"_ _5\"></span>\u00e5ling p<span class=\"_ _5\"></span>er kun<span class=\"_ _5\"></span>de / ECL<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscb\">model<span class=\"_ _5\"></span>l</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x43f y3f47 w116 h151\"><div class=\"t m2 x19f hcc y1da9 ff134 fs53 fc21 sc0 lsb2 wsf2\">Amorti<span class=\"_ _5\"></span>sert k<span class=\"_ _5\"></span>ost<span class=\"ls0 ws0\"> </span></div></td></tr></table>M\u00e5ling av for<span class=\"_ _1\"></span>ventet kredittap i ECL<span class=\"ls0 ws0\">-</span><span class=\"ws101\">model<span class=\"_ _1\"></span>l<span class=\"ls0 ws0\"> </span></span>Modellen som benyttes f\u00f8lger f<span class=\"_ _5\"></span>em steg: segmentering, bestemme makroscenarier, bestemme kredittsyk<span class=\"_ _5\"></span>lus, beregning av forventet tap og vesentlig endri<span class=\"_ _5\"></span>ng i kredittrisiko. I det etterf\u00f8lgende vil hvert enkelt steg bli beskrevet i mer detalj.<span class=\"ls0 ws0\"> </span>Segment<span class=\"_ _5\"></span>ering,<span class=\"_ _5\"></span> makrosce<span class=\"_ _5\"></span>narier og kre<span class=\"_ _5\"></span>dittsyklusi<span class=\"_ _5\"></span>ndeks<span class=\"ls0 ws0\"> </span>Vurderingen av vesentl<span class=\"_ _5\"></span>ig \u00f8kning i kredittrisiko og beregning av ECL tar hensyn til tilgjengelig og relevant historis<span class=\"_ _5\"></span>k, aktuel<span class=\"wsd2\">l og f<span class=\"_ _5\"></span>remadskuende </span>informasjon.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>For \u00e5 reflektere effekt<span class=\"_ _5\"></span>en av makrodrivere p\u00e5 en rimelig og dokumenterbar m\u00e5te har DNB delt opp portef\u00f8ljen med finansielle ins<span class=\"_ _5\"></span>trumenter i <span class=\"wscf\">15<span class=\"ls0 ws0\"> </span></span>segmenter med sammenfall<span class=\"_ _5\"></span>ende risikodrivere. Segmenteringen er gjort p\u00e5 grunnl<span class=\"_ _5\"></span>ag av kundens bransje og geografiske tilh\u00f8righet<span class=\"_ _5\"></span>. Omtrent halvparten av bransjene opererer i et<span class=\"_ _5\"></span> globalt marked hvor det p\u00e5virkes av globale risikofaktorer.<span class=\"ls0 ws0\"> </span>P\u00e5 grunnlag av en statistisk regresjons<span class=\"_ _5\"></span>analyse er viktige risikodriv<span class=\"_ _5\"></span>ere med p\u00e5virkning p\u00e5 PD identifisert for de ulike segmen<span class=\"wsd2\">tene. Vurderingene </span>som er benyttet til utvel<span class=\"_ _5\"></span>gelsen av <span class=\"_ _1\"></span>de ulik<span class=\"_ _5\"></span>e risikodriverne, baserer seg p\u00e5 flere kriterier: den statis<span class=\"_ _5\"></span>tiske modellens forklaringskraf<span class=\"_ _5\"></span>t, en kvalitativ rimelighetss<span class=\"_ _5\"></span>jekk (for eksempel om det er fornuftig \u00e5 inkludere risikodriveren) og et m\u00e5l om ikke \u00e5 ha for mange faktorer side<span class=\"wsd2\">n det v<span class=\"_ _5\"></span>il \u00f8ke kom<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>pleksi<span class=\"wsf6\">tet<span class=\"_ _5\"></span>en un\u00f8dvendig. Relevante makrodrivere er vist i tabellen nedenfor.<span class=\"_ _5\"></span> Deres p\u00e5virkning p\u00e5 ECL vil variere fra instrument til instrument.<span class=\"_ _5\"></span> </span>Prognoser for hver av de relevante risikodriv<span class=\"_ _5\"></span>erne (grunnleggende \u00f8konomisk scenario) bli<span class=\"_ _5\"></span>r prim\u00e6rt utarbeidet kvartalsvis og utgj\u00f8r beste estimat p\u00e5 utvikli<span class=\"_ _5\"></span>ngen i risikodrivere i prognoseperioden. Prognoseperiodene s<span class=\"_ _5\"></span>om er innarbeidet i segmentene varierer mellom tre og fire \u00e5r og prognosene utarbeides<span class=\"_ _5\"></span> for hvert \u00e5r i prognoseperioden. Makroprognosene innhentes vanli<span class=\"_ _5\"></span>gvis fra DNB <span class=\"wscf\">Carnegie<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">med int<span class=\"_ _5\"></span>erne kilder s<span class=\"_ _5\"></span>om </span></span>supplement, og benchm<span class=\"_ _5\"></span>arkes mot u<span class=\"wsd2\">like eksterne ki<span class=\"_ _5\"></span>lder. <span class=\"ls0 ws0\"> </span></span>Makroprognosene i<span class=\"_ _5\"></span>nnarbeides i kredittsyklusindeks<span class=\"_ _5\"></span>en (credit cycle index, CCI). CCI viser sammenhengen mellom historisk obs<span class=\"_ _5\"></span>erv<span class=\"wsd2\">erte mislig<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>hold og relevante makrofakt<span class=\"_ _5\"></span>orer. Plasseringen p\u00e5 indeksen indikerer om den n\u00e5v\u00e6rende tilst<span class=\"_ _5\"></span>anden i \u00f8konomien for et gitt<span class=\"ls0 ws0\"> </span>segment er bedre eller verre enn normalt. P<span class=\"_ _5\"></span>rognosene blir brukt til \u00e5 framskrive utviklingen for indeksen i prognoseperi<span class=\"_ _5\"></span>oden. Etter prognoseperioden antas CCI \u00e5 konvergere tilbak<span class=\"_ _5\"></span>e til det langsiktige gjennomsnittet. Dett<span class=\"_ _5\"></span>e inneb\u00e6rer at kredittsyklusen returnerer til en normal tilstand (det langs<span class=\"_ _5\"></span>iktige gjennom<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>snittet<span class=\"_ _5\"></span>).<span class=\"ls0 ws0\"> </span>CCI blir videre brukt til \u00e5 utlede en grunnlinje for PD<span class=\"ls0 ws0\">-</span>kurv<span class=\"_ _5\"></span>en for hvert instrument som f\u00f8lger utviklingen i CCI. N\u00e5r CCI g\u00e5r mot bedre tider, vil PD alt annet like bli lavere og motsatt.<span class=\"ls0 ws0\"> </span>ECL<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">modellen bl<span class=\"_ _5\"></span>e oppdatert i l\u00f8pet av 2025, hvor endringene har medf\u00f8rt</span> <span class=\"lsaf wsf6\">forbedringer knyttet<span class=\"_ _5\"></span> til segmentering,</span> <span class=\"lscd ws106\">samt<span class=\"_ _5\"></span></span> <span class=\"lsaf wscf\">makro\u00f8konomiske</span>- <span class=\"lsaf wscf\">og </span></span>statistisk<span class=\"_ _5\"></span>e parametre, og forventes \u00e5 gi mer robuste og bedre tilpassede modeller. For boligl\u00e5nsportef\u00f8ljen ble det ogs<span class=\"_ _5\"></span>\u00e5 gjort en oppdatering av LGD.<span class=\"ls0 ws0\"> </span>Skj\u00f8nnsmessige eksp<span class=\"_ _5\"></span>ertvurderinger (expert credit judgement)<span class=\"ls0 ws0\"> </span>Vurderingene av makroprognos<span class=\"_ _5\"></span>ene og effekten av de framskrevne kredittsyklusindeksene (credit<span class=\"_ _5\"></span> cycle index, CCI) er viktige skj<span class=\"wscf\">\u00f8nnsmessige </span>vurderinger, og DNB har etablert et r\u00e5dgiv<span class=\"_ _5\"></span>ende forum for konsernets finansdirekt\u00f8r som skal ta for seg disse vurderingene. Forumets oppgave er \u00e5 vurdere om framskreven CCI for hvert segment gjenspeiler ledels<span class=\"_ _5\"></span>ens syn p\u00e5 den forventede framtidige \u00f8konomiske utvikling<span class=\"wsd2\">en. <span class=\"_ _5\"></span>N\u00e5r fram<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>skrivningene for k<span class=\"_ _5\"></span>redittsyklusen ikke gjenspeiler l<span class=\"_ _5\"></span>edelsens syn p\u00e5 de forventede forretningsmessige og \u00f8konomisk<span class=\"_ _5\"></span>e effektene, har profesjonelt skj\u00f8nn blitt anv<span class=\"_ _5\"></span>endt for \u00e5 <span class=\"_ _1\"></span>sikre at ledels<span class=\"_ _5\"></span>ens syn er bedre reflektert i CCI<span class=\"ls0 ws0\">-</span>en som brukes. <span class=\"ls0 ws0\"> </span>Pr<span class=\"_ _5\"></span>. 3<span class=\"_ _5\"></span>1.<span class=\"lsaf wsf6\">des<span class=\"_ _5\"></span>ember 20<span class=\"wscf\">25 </span>er det gjort en modelljustering som medf\u00f8rer en reduksjon i ECL p\u00e5 250 millioner kroner. Justeringen gjenspeil<span class=\"_ _5\"></span>er </span>ledelsens syn p\u00e5 utl\u00e5nsport<span class=\"_ _5\"></span>ef\u00f8ljen og forventninger om fr<span class=\"ls0 ws0\">a</span>mtidig utvikli<span class=\"_ _5\"></span>ng. <span class=\"ls0 ws0\"> </span>Fler<span class=\"_ _1\"></span>e scenari<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span>For \u00e5 reflektere det ikke<span class=\"ls0 ws0\">-</span>line\u00e6<span class=\"_ _5\"></span>re forholdet mellom negativ utvikling i kredittrisik<span class=\"_ _5\"></span>o og ECL inkluderes flere scenarier i vurderingen av vesentlig \u00f8kning i kreditt<span class=\"_ _5\"></span>risiko og i m\u00e5lingen av ECL. DNB bruker det grunnleggende scenariet for hver risikodriver som utgangs<span class=\"_ _5\"></span>punkt, og derfra er CCI<span class=\"ls0 ws0\">- </span>og PD<span class=\"ls0 ws0\">-</span>kurver utledet som beskrevet ov<span class=\"_ _5\"></span>er. Alternative scenarier modelleres som linjer i en sannsynli<span class=\"_ _5\"></span>ghetsfordeling rundt grunnli<span class=\"_ _5\"></span>njen. Denne metoden inneb\u00e6rer at hvert scenario represent<span class=\"_ _5\"></span>erer en persentil p\u00e5 sannsynli<span class=\"_ _5\"></span>g<span class=\"wscf\">hetsford</span>elingen hvor hvert persentil repres<span class=\"_ _5\"></span>enterer en mulig utvikli<span class=\"_ _5\"></span>ng i kredittrisiko avhengig av den makro\u00f8konomiske utviklingen. <span class=\"ls0 ws0\"> </span>Sannsynlighets<span class=\"_ _5\"></span>fordelingens bredde for det enkelte segment avhenger av den historisk<span class=\"_ _5\"></span>e volatiliteten i sammenhengen mellom utviklingen i<span class=\"_ _5\"></span> risiko<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>drivere og utvikli<span class=\"_ _5\"></span>ngen i kredittrisiko og ECL. Dette resulterer i en sammenheng hvor h\u00f8yere volatilit<span class=\"_ _5\"></span>et i et <span class=\"_ _1\"></span>segm<span class=\"_ _5\"></span>ent, som f\u00f8lge av endring i rele<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>vante risikodriv<span class=\"_ _5\"></span>ere, gir et relativt sett st\u00f8rre gap mellom grunnlinjen og de ytre persentilene i fordel<span class=\"_ _5\"></span>ingen.<span class=\"ls0 ws0\"> </span>Sensitivit<span class=\"_ _5\"></span>eter<span class=\"ls0 ws0\"> </span>For \u00e5 beregne forventet kreditt<span class=\"_ _5\"></span>ap etter modell bruker DNB en rekke makro\u00f8konomiske variabler hvor hver variabel bl<span class=\"_ _5\"></span>ir tilordnet flere alternative sannsynli<span class=\"_ _5\"></span>ghetsscenarioer.<span class=\"ls0 ws0\"> </span>Makro\u00f8konomisk<span class=\"_ _5\"></span>e variabler p\u00e5virker hverandre i den forstand at endring i prognosene til en variabel sannsynl<span class=\"_ _5\"></span>igvis vil p\u00e5virke<span class=\"ls0 ws0\"> </span>prognosene ti<span class=\"_ _5\"></span>l de andre variablene.<span class=\"_ _5\"></span> Videre vil en svekking av makroprognoser normalt medf\u00f8re at flere kunder vil migrere fra gruppe 1 og 2 til gruppe 2 og 3. Komparative s<span class=\"_ _5\"></span>ensitivitetsanalys<span class=\"_ _5\"></span>er for hv<span class=\"_ _5\"></span>er makro\u00f8konomiske v<span class=\"_ _5\"></span>ariabel, isolert <span class=\"_ _5\"></span>sett, vil <span class=\"_ _5\"></span>derfor ikke <span class=\"_ _5\"></span>bidra med rel<span class=\"_ _5\"></span>evant sensiti<span class=\"wscf\">v<span class=\"_ _5\"></span>itetsinformasjon. <span class=\"ls0 ws0\"> </span></span>DNB har simulert et alternativt nedsi<span class=\"_ _5\"></span>descenario for relevante makroprognoser. Scenari<span class=\"_ _5\"></span>oet skal beskrive en mulig nedside i for<span class=\"wsd2\">hold ti<span class=\"_ _5\"></span>l scenarioet </span>som brukes for \u00e5 beregne det forventete kredittapet<span class=\"_ _5\"></span> som er innregnet i regnskapet. Hver makrovariabel blir tilordnet<span class=\"_ _5\"></span> en alternativ lavere for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>ventning for hver periode i prognoseperioden.<span class=\"_ _5\"></span> Tabellen nedenfor viser den gjennomsnittlige endri<span class=\"_ _5\"></span>ngen i makrovariablene i det <span class=\"wscf\">alternativ<span class=\"_ _5\"></span>e </span>scenarioet,<span class=\"_ _5\"></span> sammenliknet med basisscenarioet i prognoseperioden,<span class=\"_ _5\"></span> uttrykt i prosent. I de<span class=\"wsd2\">t simul<span class=\"_ _5\"></span>erte alternative scenari<span class=\"_ _5\"></span>oet for f<span class=\"_ _5\"></span>risk portef\u00f8lje v<span class=\"_ _5\"></span>il </span>forventet kredit<span class=\"_ _5\"></span>tap \u00f8ke med om lag 2<span class=\"ls0 ws0\">6<span class=\"_ _1\"></span> <span class=\"lsaf wsf6\">pros<span class=\"_ _5\"></span>ent sammenliknet med kredittap som er innregnet i regnskapet per 31. desember 202</span>5<span class=\"lsbc ws103\">. </span> </span>F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser utvalgte makro\u00f8konomiske variabler som utgj\u00f8r basis<span class=\"ls0 ws0\">-</span>scenarioet<span class=\"_ _5\"></span> for perioden 202<span class=\"ls0 ws0\">5 </span>til 202<span class=\"ls0 ws0\">7 </span>benyttet i DNBs modell for \u00e5 beregne kreditt<span class=\"_ _5\"></span>apet som er innregnet i regnskapet, sammenliknet med basis<span class=\"ls0 ws0\">-</span>scenarioet<span class=\"_ _5\"></span> i det alternative scenarioet. Alle variabl<span class=\"_ _5\"></span>ene represen<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>terer et \u00e5rlig estim<span class=\"_ _5\"></span>at.<span class=\"ls0 ws0\"> </span><div class=\"gsd3\"><table class=\"s w30a h4c4\" id=\"_ae842684-68e0-4350-a516-09fe0fed1c3c\"><tr><td class=\"c x443 y3f48 w111 h153\"><div class=\"t m2 x248 h12c y2180 ff140 fs59 fc21 sc0 lsb8 wsfe\">Utval<span class=\"_ _1\"></span>gte ma<span class=\"_ _1\"></span>krova<span class=\"_ _1\"></span>riable<span class=\"_ _1\"></span>r ben<span class=\"_ _1\"></span>yttet <span class=\"lsb7 wsfd\">for \u00e5 beregne ECL innre<span class=\"_ _5\"></span>gnet i regnsk<span class=\"_ _5\"></span>apet<span class=\"ls0 ws0\"> </span></span><span class=\"ws10a\">og altern<span class=\"_ _1\"></span>ativ<span class=\"_ _1\"></span><span class=\"ls0 ws0\">t <span class=\"lscb ws122\">scenar<span class=\"_ _5\"></span>io</span></span></span><span class=\"ws10a\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"c x443 y3f48 w111 h153\"><div class=\"t m2 x186 hcc y21eb ff13f fs53 fc21 sc0 lsab wscb\">Basis<span class=\"ls0 ws0\">-</span><span class=\"wscd\">sc<span class=\"_ _5\"></span>enari<span class=\"_ _5\"></span>o i det</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x444 y3f49 w30b h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff13f fs53 fc21 sc0 lsab wscb\">Basis<span class=\"ls0 ws0\">-</span><span class=\"wscd\">sc<span class=\"_ _5\"></span>enari<span class=\"_ _5\"></span>o i reg<span class=\"_ _5\"></span>nskape<span class=\"_ _5\"></span>t<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td class=\"c x445 y3f49 w30c h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff13f fs53 fc21 sc0 lsab wsd0\">alter<span class=\"_ _5\"></span>native s<span class=\"_ _5\"></span>cenari<span class=\"_ _5\"></span>oet<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y3f4a w127 hd9\"><div class=\"t m2 x19f hd8 y1dc1 ff141 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4a wde hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4a w128 hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4a wdd hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4a w129 hd9\"><div class=\"t m2 x4f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4a wdd hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4a wde hd9\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4b w127 hd9\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsa7 wsd1\">Global BNP, \u00e5rlig vekst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4b wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4b w128 hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">2,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4b wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4b w129 hd9\"><div class=\"t m2 x1a5 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4b wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4b wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">2,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4c w127 hda\"><div class=\"t m2 x19f hcc y1dae ff13f fs53 fc21 sc0 lsab wscd\">BNP Fas<span class=\"_ _5\"></span>tlands<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>Norge<span class=\"_ _5\"></span>, \u00e5rlig v<span class=\"_ _5\"></span>ekst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4c wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4c w128 hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,6<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4c wdd hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4c w129 hda\"><div class=\"t m2 x1a5 hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">1,9<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4c wdd hda\"><div class=\"t m2 x247 hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">(0,5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4c wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">0,8<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4d w127 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsa7 wsd1\">US 3<span class=\"ls0 ws0\">-<span class=\"lsab wscd\">m\u00e5ned<span class=\"_ _5\"></span>ers int<span class=\"_ _5\"></span>erba<span class=\"_ _5\"></span>nk rente</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x426 y3f4d wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4d w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4d wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4d w129 hdb\"><div class=\"t m2 x1a5 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,8<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4d wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4d wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,9<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4e w127 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsa7 wsd1\">Oljepris, USD per fat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4e wde hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4e w128 hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4e wdd hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">70<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4e w129 hde\"><div class=\"t m2 x20f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4e wdd hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4e wde hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f4f w127 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Norske b<span class=\"_ _5\"></span>ruktb<span class=\"_ _5\"></span>oligpri<span class=\"_ _5\"></span>ser, \u00e5rl<span class=\"_ _5\"></span>ig vek<span class=\"_ _5\"></span>st<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f4f wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">6,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f4f w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">5,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f4f wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">6,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f4f w129 hdb\"><div class=\"t m2 x1a5 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">6,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f4f wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(9,5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f4f wde hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(4,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f50 w127 hda\"><div class=\"t m2 x19f hcc y1dae ff13f fs53 fc21 sc0 lsab wscd\">Gjeldsv<span class=\"_ _5\"></span>ekst n<span class=\"_ _5\"></span>orske b<span class=\"_ _5\"></span>edrift<span class=\"_ _5\"></span>er (pros<span class=\"_ _5\"></span>ent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f50 wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f50 w128 hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f50 wdd hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f50 w129 hda\"><div class=\"t m2 x1a5 hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f50 wdd hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">2,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f50 wde hda\"><div class=\"t m2 x20e hcc y1dae ff13f fs53 fc21 sc0 lsab wscb\">2,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f51 w127 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> norsk <span class=\"_ _5\"></span>boli<span class=\"_ _5\"></span>geiendom<span class=\"_ _5\"></span> (pro<span class=\"_ _5\"></span>sent)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x426 y3f51 wde hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(3,4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f51 w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">9,1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f51 wdd hdb\"><div class=\"t m2 x247 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">11,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f51 w129 hdb\"><div class=\"t m2 x19b hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(3,4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f51 wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44a y3f51 wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">3,0<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3f54 w30d h4c5\"><div class=\"t m2 x44b hcc y3f52 ff13f fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wsd0\">m\u00e5ned<span class=\"_ _5\"></span>ers NIBOR re<span class=\"_ _5\"></span>nte</span></div><div class=\"t m2 x3f4 hcf y3f53 ff13f fs55 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x3f6 y3f56 w30e h4c6\"><div class=\"t m2 x44c hcc y3f55 ff13f fs53 fc21 sc0 lsab wscb\">4,4<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f53 ff13f fs55 fc21 sc0 lsaf wsf6\">som er innarbeidet i hver makrovariabel i det alt<span class=\"_ _5\"></span>ernative scenarioet.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x446 y3f57 w128 hde\"><div class=\"t m2 x20e hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x447 y3f57 wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y3f57 w129 hde\"><div class=\"t m2 x1a5 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x449 y3f57 wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3f6 y3f59 w30f h4c7\"><div class=\"t m2 x44d hcc y3f58 ff13f fs53 fc21 sc0 lsab wscb\">4,1<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y3f53 ff13f fs55 fc21 sc0 lsaf wsf6\">F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser en oversikt over makroprognosene som er inkludert i tapsmodellen. Tabellen inkluderer den gjennomsni<span class=\"_ _5\"></span>ttlige nedsiden </div></td></tr></table></div><div class=\"gsed\"><table class=\"s w310 h4c8\" id=\"_64cea603-f65e-4f51-9483-57872126a1fe\"><tr><td class=\"c x3f6 y3f5c w311 h4c9\"><div class=\"t m2 x3f4 h12c y3f5a ff140 fs59 fc21 sc0 lsb7 wsfd\">Endring fr<span class=\"_ _5\"></span>a gjennoms<span class=\"_ _5\"></span>nittl<span class=\"_ _5\"></span>ig niv\u00e5 p\u00e5 basis<span class=\"ls0 ws0\">-</span>sce<span class=\"_ _5\"></span>nario benytt<span class=\"_ _5\"></span>et for \u00e5 bere<span class=\"_ _5\"></span>gne kreditta<span class=\"_ _5\"></span>p innregnet<span class=\"_ _5\"></span> i regnska<span class=\"_ _5\"></span>p, til gjennom<span class=\"_ _5\"></span>snittlig</div><div class=\"t m2 x3f4 hcf y3f5b ff13f fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td></tr><tr><td class=\"c x3f6 y3f5d w312 h4ca\"><div class=\"t m2 x3f4 h12c y3f5a ff140 fs59 fc21 sc0 lsb8 wsfe\">niv\u00e5<span class=\"_ _1\"></span> p\u00e5 basi<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-</span><span class=\"ws10a\">scen<span class=\"_ _1\"></span>ario b<span class=\"_ _1\"></span>enytt<span class=\"_ _1\"></span>et i det altern<span class=\"_ _2\"></span>ative scen<span class=\"_ _1\"></span>arioe<span class=\"_ _1\"></span>t<span class=\"lscb wsfe\">, f<span class=\"_ _5\"></span>or <span class=\"_ _5\"></span>et utva<span class=\"_ _5\"></span>lg v<span class=\"_ _5\"></span>aria<span class=\"_ _5\"></span>bler<span class=\"_ _1c5\"> </span></span></span></div></td><td></td></tr><tr><td></td><td class=\"c x443 y3f5e w111 h153\"><div class=\"t m2 x158 hcc y21fa ff13f fs53 fc21 sc0 lsab wscb\">Endring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f5f w98 hd9\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Global B<span class=\"_ _5\"></span>NP (pr<span class=\"_ _5\"></span>osentp<span class=\"_ _5\"></span>oeng<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f5f w12a hd9\"><div class=\"t m2 x1c hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(1,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f60 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 lsab wscd\">BNP Fas<span class=\"_ _5\"></span>tlands<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>Norge<span class=\"_ _5\"></span>, \u00e5rlig v<span class=\"_ _5\"></span>ekst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f60 w12a hde\"><div class=\"t m2 x1c hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">(1,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f61 w98 hda\"><div class=\"t m2 x19f hcc y1d13 ff13f fs53 fc21 sc0 lsab wscd\">Oljepris<span class=\"_ _5\"></span> (prose<span class=\"_ _5\"></span>ntpoe<span class=\"_ _5\"></span>ng)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f61 w12a hda\"><div class=\"t m2 x29 hcc y1d13 ff13f fs53 fc21 sc0 lsab wscb\">9,0<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f62 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Norsk ko<span class=\"_ _5\"></span>nsump<span class=\"_ _5\"></span>risin<span class=\"_ _5\"></span>deks (<span class=\"_ _5\"></span>prosentp<span class=\"_ _5\"></span>oeng)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f62 w12a hdb\"><div class=\"t m2 x29 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f63 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wsd0\">Bruktbol<span class=\"_ _5\"></span>igpris<span class=\"_ _5\"></span>er (pros<span class=\"_ _5\"></span>entpoen<span class=\"_ _5\"></span>g)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f63 w12a hdb\"><div class=\"t m2 x1c hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(8,3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f64 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsa7 wsd1\">US 3<span class=\"ls0 ws0\">-<span class=\"lsab wscd\">m\u00e5ned<span class=\"_ _5\"></span>ers int<span class=\"_ _5\"></span>erba<span class=\"_ _5\"></span>nk rente</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x44e y3f64 w12a hde\"><div class=\"t m2 x29 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">0,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f65 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wsd0\">m\u00e5ned<span class=\"_ _5\"></span>ers NIBOR re<span class=\"_ _5\"></span>nte (pros<span class=\"_ _5\"></span>entpoen<span class=\"_ _5\"></span>g)</span> </div></td><td class=\"c x44e y3f65 w12a hda\"><div class=\"t m2 x29 hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">0,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f66 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">m\u00e5ned<span class=\"_ _5\"></span>ers STIB<span class=\"_ _5\"></span>OR rent<span class=\"_ _5\"></span>e (pr<span class=\"_ _5\"></span>osent<span class=\"_ _5\"></span>poeng)</span> </div></td><td class=\"c x44e y3f66 w12a hdb\"><div class=\"t m2 x29 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">0,1<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f67 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Gjeldsv<span class=\"_ _5\"></span>ekst n<span class=\"_ _5\"></span>orske b<span class=\"_ _5\"></span>edrift<span class=\"_ _5\"></span>er (pros<span class=\"_ _5\"></span>ent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f67 w12a hdb\"><div class=\"t m2 x1c hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(1,3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f68 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscd\">Gjeldsv<span class=\"_ _5\"></span>ekst n<span class=\"_ _5\"></span>orske h<span class=\"_ _5\"></span>ushold<span class=\"_ _5\"></span>ninge<span class=\"_ _5\"></span>r (pro<span class=\"_ _5\"></span>sent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f68 w12a hde\"><div class=\"t m2 x1c hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">(2,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f69 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> norsk <span class=\"_ _5\"></span>boli<span class=\"_ _5\"></span>geiendom<span class=\"_ _5\"></span> (pro<span class=\"_ _5\"></span>sent)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f69 w12a hda\"><div class=\"t m2 x1c hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">(5,6)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6a w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Leiepris<span class=\"_ _5\"></span>er no<span class=\"_ _5\"></span>rske fo<span class=\"_ _5\"></span>rretni<span class=\"_ _5\"></span>ngsbyg<span class=\"_ _5\"></span>g (pros<span class=\"_ _5\"></span>ent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6a w12a hdb\"><div class=\"t m2 x160 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(10,0)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6b w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff13f fs53 fc21 sc0 lsab wscd\">Laksep<span class=\"_ _5\"></span>riser (<span class=\"_ _5\"></span>prose<span class=\"_ _5\"></span>nt)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6b w12a hdb\"><div class=\"t m2 x160 hcc y1db0 ff13f fs53 fc21 sc0 lsab wscb\">(25,2)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6c w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscd\">Flytend<span class=\"_ _5\"></span>e halvt <span class=\"_ _5\"></span>nedse<span class=\"_ _5\"></span>nkbar<span class=\"_ _5\"></span>e boreri<span class=\"_ _5\"></span>gger <span class=\"_ _5\"></span>og bor<span class=\"_ _5\"></span>eskip (<span class=\"_ _5\"></span>prose<span class=\"_ _5\"></span>nt)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6c w12a hde\"><div class=\"t m2 x160 hcc y1dc1 ff13f fs53 fc21 sc0 lsab wscb\">(19,5)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y3f6d w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff13f fs53 fc21 sc0 lsab wscd\">Panamax<span class=\"_ _5\"></span> spotr<span class=\"_ _5\"></span>ate (<span class=\"_ _5\"></span>prosent)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y3f6d w12a hda\"><div class=\"t m2 x160 hcc y1da9 ff13f fs53 fc21 sc0 lsab wscb\">(31,2)<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h153 gsee\"><div class=\"t m2 x248 hcf y220a ff13f fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y220b ff13f fs55 fc21 sc0 lsaf wsf6\">En av de st\u00f8rste eksponeringene er utl\u00e5n til privatk<span class=\"_ _5\"></span>under. Dette omfatter boligl<span class=\"_ _5\"></span>\u00e5n, kredittkort og forbruksfinansiering.<span class=\"_ _5\"></span> I ti<span class=\"wsd2\">llegg til s<span class=\"_ _5\"></span>pesifikke </span></div><div class=\"t m2 x248 hcf y220c ff13f fs55 fc21 sc0 lsaf wscf\">kundeparamet<span class=\"lsc1 wsce\">ere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span><span class=\"wsf6\">er portef\u00f8ljens ECL estimert basert p\u00e5 norsk boli<span class=\"_ _5\"></span>gprisindeks, norske renter til husholdninger<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span></span>og<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">gjeldsgrad t<span class=\"_ _5\"></span>il hus</span>holdninger<span class=\"lsb9\">, i </span></div><div class=\"t m2 x248 hcf y220d ff13f fs55 fc21 sc0 lsb9 ws123\">tillegg til BNP<span class=\"lsaf wsf6\">. <span class=\"_ _1\"></span>I det simulerte alternativ<span class=\"_ _5\"></span>e scenarioet, hvor alle disse parameterne har mindre gunsti<span class=\"_ _5\"></span>ge p<span class=\"_ _1\"></span>rognoser,<span class=\"_ _5\"></span> vil ECL \u00f8ke med om lag <span class=\"wscf\">31<span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x248 hcf y220e ff13f fs55 fc21 sc0 lsaf wsf6\">prosent for privatk<span class=\"_ _5\"></span>undeportef\u00f8ljen, sammenliknet med ECL m\u00e5lt per 31. desember<span class=\"ls0 ws0\"> </span><span class=\"wscf\">202<span class=\"ls0 ws0\">5 </span></span>p\u00e5 den samme portef\u00f8lje.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y220f ff13f fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2210 ff13f fs55 fc21 sc0 lsaf wsf6\">DNB har videre unders\u00f8kt effekten av ikke<span class=\"ls0 ws0\">-</span>lineari<span class=\"_ _5\"></span>tet i ECL for gruppe 1 og gruppe 2. Hv<span class=\"_ _1\"></span>is bare basisscenarioet<span class=\"_ _5\"></span> blir benyttet til \u00e5 beregne </div><div class=\"t m2 x248 hcf y2211 ff13f fs55 fc21 sc0 lsaf wsf6\">forventede kredi<span class=\"_ _5\"></span>ttap, og man dermed ekskluderer sannsynlighetsfordelingens<span class=\"_ _5\"></span> alternative scenarioer, vil<span class=\"_ _5\"></span> ECL per 31. desember 202<span class=\"ls0 ws0\">5 <span class=\"lscc ws124\">\u00f8ke</span> </span><span class=\"wscf\">med <span class=\"_ _5\"></span><span class=\"ls0 ws0\">4 </span></span></div><div class=\"t m2 x248 hcf y2212 ff13f fs55 fc21 sc0 lsaf wscf\">prosent.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2213 ff13f fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y2214 ff140 fs59 fc21 sc0 lsb7 wsfd\">Bere<span class=\"_ _5\"></span>gning av forve<span class=\"_ _5\"></span>ntet kre<span class=\"_ _5\"></span>dittap <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2215 ff13f fs55 fc21 sc0 lsaf wsf6\">Vurderingen av en vesentlig endring i kredit<span class=\"_ _5\"></span>trisiko og m\u00e5lingen av ECL baserer seg p\u00e5 parametere som allerede er i bruk i oppf\u00f8lgingen av </div><div class=\"t m2 x248 hcf y2216 ff13f fs55 fc21 sc0 lsaf wsf6\">kreditt<span class=\"_ _5\"></span>risiko og i m\u00e5lingen av kapitalbehov: PD, LGD og EAD. Parameterne er justert og brukt i beregningen av et forve<span class=\"wsd2\">ntningsrett E<span class=\"_ _5\"></span>CL<span class=\"ls0 ws0\">-</span><span class=\"wscf\">estimat.<span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x248 hcf y2217 ff13f fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2218 ff13f fs55 fc21 sc0 lsaf wsf6\">Sannsynlighet f<span class=\"_ _5\"></span>or mislighold (PD)<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2219 ff13f fs55 fc21 sc0 lsaf wsf6\">DNB anvender en rekke ulike modeller for \u00e5 bestemme en kundes PD. Valg av modell avhenger av om det er en privat<span class=\"ls0 ws0\">- </span>eller bedriftskunde og </div><div class=\"t m2 x248 hcf y221a ff13f fs55 fc21 sc0 lsaf wsf6\">hvilken bransj<span class=\"_ _5\"></span>e kunden opererer innenfor. Utviklingen i kundens PD er en n\u00f8kkelkomponent i DNBs overv\u00e5kni<span class=\"_ _5\"></span>ng av kredittrisiko i portef\u00f8ljen, se </div><div class=\"t m2 x248 hcf y221b ff13f fs55 fc21 sc0 lsaf wsf6\">note K<span class=\"ls0 ws0\">5 </span>Styring av kredittrisik<span class=\"_ _5\"></span>o, og en tilpasset IRB PD benyttes b\u00e5de i m\u00e5lingen av ECL og i vurderingen av om det har <span class=\"_ _1\"></span>v\u00e6rt vesentl<span class=\"_ _5\"></span>ig \u00f8kning i </div><div class=\"t m2 x248 hcf y221c ff13f fs55 fc21 sc0 lsbc ws10c\">kredi<span class=\"_ _1\"></span>ttrisi<span class=\"_ _1\"></span>ko etter f\u00f8r<span class=\"_ _2\"></span>s<span class=\"_ _5\"></span>te<span class=\"lsaf wsf6\">gangsinnregning. For \u00e5 fastsette PD i beregninger av kapitaldekning har DNB f\u00e5tt innvilget till<span class=\"_ _5\"></span>atelse til \u00e5 benytte interne </span></div><div class=\"t m2 x248 hcf y221d ff13f fs55 fc21 sc0 lsaf wsf6\">kredittmodel<span class=\"_ _5\"></span>ler (IRB<span class=\"ls0 ws0\">-</span>modeller). Disse modellene er kons<span class=\"_ _5\"></span>ervative og reflekterer i liten grad konjunkt<span class=\"_ _5\"></span>urf\u00f8lsomheten. For ECL<span class=\"ls0 ws0\">-</span>m\u00e5lingen er det </div><div class=\"t m2 x248 hcf y221e ff13f fs55 fc21 sc0 lsaf wsf6\">behov for \u00e5 generere en PD som er fremadskuende og tar<span class=\"ls0 ws0\"> </span>hensyn til all tilgjengelig rel<span class=\"_ _5\"></span>evant informasjon. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y221f ff13f fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2220 ff13f fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></div>Dette er avgj\u00f8rende for \u00e5 kunne gi et forventningsrett<span class=\"_ _5\"></span> og sann<span class=\"lsbe ws10b\">syn<span class=\"_ _5\"></span>lig</span>het<span class=\"_ _5\"></span>svektet estimat av ECL. For \u00e5 kunne bruke PD i ECL<span class=\"ls0 ws0\">-</span>m\u00e5lingen er det gjort fire til<span class=\"_ _5\"></span>pasninger i PD: <span class=\"ls0 ws0\"> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">makro\u00f8konomis<span class=\"_ _5\"></span>ke scenarier er reflektert</span> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">konvert<span class=\"_ _5\"></span>ering til forventningsrett<span class=\"_ _5\"></span>et, fremadskuende PD</span> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">konvert<span class=\"_ _5\"></span>ering av 12</span>-<span class=\"lsaf wsd2\">m\u00e5neders PD til l<span class=\"_ _5\"></span>evetids</span>-<span class=\"lsce wsd2\">PD</span> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">fjerning <span class=\"_ _5\"></span>av sikkerhets<span class=\"_ _5\"></span>marginen for kons<span class=\"_ _5\"></span>ervatisme i P<span class=\"_ _5\"></span>D</span>-<span class=\"lsaf wscf\">estimatet</span> </span>Disse tilpasni<span class=\"_ _5\"></span>ngene inneb\u00e6rer at PD<span class=\"ls0 ws0\">-</span>er som brukes i ECL<span class=\"ls0 ws0\">-</span>beregningene, reflekterer ledelsens syn p\u00e5 endringer i konjunkturene, og at alle PD<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>estimater <span class=\"_ _5\"></span>er forventnings<span class=\"_ _5\"></span>rette. <span class=\"ls0 ws0\"> </span>To typer PD<span class=\"ls0 ws0\">-</span>er (IFRS modifisert) er generert og brukt i beregningen av ECL:<span class=\"ls0 ws0\"> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">En 12</span>-<span class=\"lsaf wsf6\">m\u00e5neders PD er sannsynligheten for at mislighold i<span class=\"_ _5\"></span>nntreffer i l\u00f8pet av de neste 12 m\u00e5nedene (eller over gjenst\u00e5ende levetid h<span class=\"lsbf ws107\">vis </span></span></span>denne er kortere enn 12 m\u00e5neder). Denne er brukt til \u00e5 beregne 12<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">m\u00e5neders ECL.<span class=\"ls0 ws0\"> </span></span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">En PD over instrumentets levet<span class=\"_ _5\"></span>id er sannsynligheten for mislighold beregnet p\u00e5 \u00e5rsbasis for den resterende levet<span class=\"_ _5\"></span>iden til et f<span class=\"wscf\">inansielt </span></span></span>instrum<span class=\"_ _5\"></span>ent. Denne brukes til \u00e5 vurdere om det har v\u00e6rt <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span>entlig \u00f8kning i risiko siden f\u00f8rstegangsinnregning og ti<span class=\"_ _5\"></span>l \u00e5 ber<span class=\"wsd2\">egne ECL over </span>forven<span class=\"_ _1\"></span>tet le<span class=\"_ _1\"></span>vetid<span class=\"_ _1\"></span>. <span class=\"ls0\"> </span>Tapsgrad ved misli<span class=\"_ _5\"></span>ghold (LGD)<span class=\"ls0 ws0\"> </span>LGD er den andel av EAD som forventes tapt dersom kunden misligholder sine forpliktels<span class=\"_ _5\"></span>er. Beregningen tar blant annet hensyn <span class=\"wsd2\">til sikkerheter </span>knyttet til engasjem<span class=\"_ _5\"></span>entet, framtidig kontantstr\u00f8<span class=\"_ _5\"></span>m og andre relevante faktorer.<span class=\"_ _1c5\"> </span>P\u00e5 samm<span class=\"_ _5\"></span>e m\u00e5te som for P<span class=\"_ _5\"></span>D<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">er bruker DNB IRB LGD<span class=\"ls0 ws0\">-</span>er i kapitaldekningen. For \u00e5 konvertere IRB LGD<span class=\"ls0 ws0\">-</span>er til IFRS LGD<span class=\"ls0 ws0\">-</span>er er det gjort fire </span>justeri<span class=\"_ _5\"></span>nger:<span class=\"ls0 ws0\"> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">makro\u00f8konomis<span class=\"_ _5\"></span>ke scenarier er reflektert</span> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">effektiv<span class=\"_ _5\"></span> rente er brukt til \u00e5 diskontere estimerte framtidige kontantstr\u00f8mmer</span> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">fjernet kons<span class=\"_ _5\"></span>ervatisme for \u00e5 generere n\u00f8ytrale forventningsret<span class=\"_ _5\"></span>te framskrivninger i stedet for nedgangsk<span class=\"_ _5\"></span>onjunktur og myndighetsp\u00e5lagt<span class=\"_ _5\"></span>e gulv</span> </span><span class=\"ff148\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">fjernet <span class=\"_ _5\"></span>estimerte indi<span class=\"_ _5\"></span>rekte kostnader <span class=\"_ _5\"></span>knyttet ti<span class=\"_ _5\"></span>l realisasj<span class=\"_ _5\"></span>on av sikkerheter</span> </span>Disse justeringene i<span class=\"_ _5\"></span>nneb\u00e6rer at LGD<span class=\"ls0 ws0\">-</span>ene som brukes for ECL<span class=\"ls0 ws0\">-</span>m\u00e5lingen, reflekterer l<span class=\"_ _5\"></span>edelsens forventninger til endringer i konjunk<span class=\"_ _5\"></span>turene og at alle LGD<span class=\"ls0 ws0\">-</span>estimater er forvent<span class=\"_ _5\"></span>ningsrette.<span class=\"ls0 ws0\"> </span>Eksponering ved mislighold (EA<span class=\"_ _5\"></span>D)<span class=\"ls0 ws0\"> </span>EAD angir andel av bevilget engasjement som forvent<span class=\"_ _5\"></span>es \u00e5 v\u00e6re trukket ved et eventuelt framtidig mislighold. EAD er justert fo<span class=\"lsc1 ws116\">r \u00e5 reflektere </span>kontraktsf<span class=\"_ _5\"></span>estede innbetalinger av hovedstol, rente og forventet<span class=\"_ _5\"></span> f\u00f8rtidig innbetaling. Kredittkonv<span class=\"_ _5\"></span>erteringsfaktoren s<span class=\"_ _5\"></span><span class=\"wsd2\">om brukes i EA<span class=\"_ _5\"></span>D, gir et ans<span class=\"_ _5\"></span>lag </span>p\u00e5 hvor stor andel av ubenyttet kreditt<span class=\"_ _5\"></span>bevilgning som forventes \u00e5 ha blitt trukket p\u00e5 tidspunkt for mislighold.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Vesent<span class=\"_ _5\"></span>lig \u00f8kning i<span class=\"_ _5\"></span> kredittr<span class=\"_ _5\"></span>isiko (gruppe<span class=\"_ _5\"></span>ring)<span class=\"ls0 ws0\"> </span>Vurderingen av en vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko er basert p\u00e5 en kombinasjon av kvantitative og kvalitativ<span class=\"_ _5\"></span>e indikatorer og <span class=\"wsd2\">absolutte krit<span class=\"_ _5\"></span>erier. En </span>vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko har inntruffet n\u00e5r en eller flere av forutsetningene nedenfor er oppfy<span class=\"_ _5\"></span>lt.<span class=\"ls0 ws0\"> </span>Kvan<span class=\"_ _1\"></span>titative<span class=\"_ _1\"></span> krite<span class=\"_ _1\"></span>rier <span class=\"_ _1\"></span><span class=\"ls0\"> </span>Fastsettelsen av en vesentl<span class=\"_ _5\"></span>ig \u00f8kning i kredittrisiko blir gjort ved \u00e5 sammenlikne det man p\u00e5 tidspunktet for f\u00f8rste gangs inn<span class=\"wsd2\">regning forv<span class=\"_ _5\"></span>entet at </span>leveti<span class=\"_ _5\"></span>ds<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">PD skulle v\u00e6re p\u00e5 rapporteringstidspunktet med det leveti<span class=\"_ _5\"></span>ds PD faktisk er p\u00e5 rapporteringstidspunktet<span class=\"lsbc ws0\">. Derso<span class=\"_ _1\"></span>m fak<span class=\"_ _1\"></span>tisk le<span class=\"_ _1\"></span>vetid<span class=\"_ _1\"></span>s<span class=\"ls0\">-<span class=\"lsaf wsf6\">PD p\u00e5 </span></span></span></span>rapporteringst<span class=\"_ _5\"></span>idspunktet er h\u00f8yere enn det man forventet at den skulle v\u00e6re, vurderes det om \u00f8kningen er vesentlig.<span class=\"ls0 ws0\"> </span>En \u00f8kning i levetids<span class=\"ls0 ws0\">-</span>PD med en faktor p\u00e5 2,5 eller mer fra f\u00f8rstegangsinnregning er vurdert \u00e5 v\u00e6re en vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko. Denne grensen er satt p\u00e5 grunnlag av hvor stor \u00f8kning i kredittrisiko som vil medf\u00f8re t<span class=\"_ _5\"></span>ettere oppf\u00f8lging av kunden for \u00e5<span class=\"ls0 ws0\"> </span>sikre at det tas hensikts<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>messige k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">- </span>og forretni<span class=\"_ _5\"></span>ngsbeslutninger. <span class=\"ls0 ws0\"> </span>I tillegg m\u00e5 endringen i PD utgj\u00f8re minimum 0,6 prosentpoeng for at \u00f8kningen i kredittris<span class=\"_ _5\"></span>iko skal anses \u00e5 v\u00e6re <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span>entlig. I den \u00f8vre enden av risikoskal<span class=\"_ _5\"></span>aen kreves en endring p\u00e5 7,5 prosentpoeng eller mer for at \u00f8kningen i kredittrisiko skal v\u00e6re vesentlig selv om endringen er mindre enn 2,5 ganger levetids<span class=\"ls0 ws0\">-</span>PD. Diss<span class=\"_ _5\"></span>e grensene reflekterer den h\u00f8yere sensitivitet<span class=\"_ _5\"></span>en for \u00f8kt kredittrisiko i den nedre enden av risikoskalaen og den lavere sensitivi<span class=\"_ _5\"></span>teten i den \u00f8vre enden av risikoskalaen.<span class=\"ls0 ws0\"> </span>Som en del av DNBs kredittrisikosty<span class=\"_ _5\"></span>ring bruker konsernet en risikoklassifis<span class=\"_ _5\"></span>ering hvor alle kunder er klassifisert p\u00e5 en koher<span class=\"wsd2\">ent s<span class=\"_ _5\"></span>kala. Dette </span>inneb\u00e6rer at en risikokl<span class=\"_ _5\"></span>asse har samme forklaringskraft uavhengig av segment,<span class=\"_ _5\"></span> geografi og produkt. DNB bruker derfor en felles grense for alle finansi<span class=\"_ _5\"></span>elle instrumenter p\u00e5 hva som utgj\u00f8r en vesentlig \u00f8kning i kredittrisiko. For ytterligere i<span class=\"_ _5\"></span>nformasjon om DNBs risikoskala og <span class=\"ls0 ws0\">-</span><span class=\"wscf\">klassifisering </span>henvises <span class=\"_ _5\"></span>det til <span class=\"_ _5\"></span>note K<span class=\"ls0 ws0\">5 </span>Styring av k<span class=\"_ _5\"></span>redittrisiko.<span class=\"ls0 ws0\"> </span>Det er ingen automatikk i at en l\u00e5ntaker som innvilges forl<span class=\"_ _5\"></span>engelser eller utsettelse av innbetali<span class=\"_ _5\"></span>nger blir ansett \u00e5 ha en <span class=\"_ _1\"></span>ves<span class=\"_ _5\"></span><span class=\"wsd2\">entlig \u00f8kning i<span class=\"_ _5\"></span> kreditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>risiko. Det bli<span class=\"_ _5\"></span>r n\u00f8ye <span class=\"_ _1\"></span>vurdert<span class=\"_ _5\"></span> hvorvidt kredittrisik<span class=\"_ _5\"></span>oen har \u00f8kt vesentlig og det er usannsynlig at l\u00e5ntakere<span class=\"wsd2\">n v<span class=\"_ _5\"></span>il gjenvinne si<span class=\"_ _5\"></span>n kredittv<span class=\"_ _5\"></span>erdighet og </span>dermed er innvilget betali<span class=\"_ _5\"></span>ngslettelse (forbearance), ell<span class=\"_ _5\"></span>er hvorvidt l\u00e5ntakeren bare opplever en midlerti<span class=\"_ _5\"></span>dig likviditetsbegren<span class=\"wsd2\">s<span class=\"_ _5\"></span>ning. Som utgangs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>punkt vil en endring i de makro\u00f8konomiske prognosene p\u00e5vi<span class=\"_ _5\"></span>rke vurderingen<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">av ves<span class=\"_ _5\"></span>entlig \u00f8kning <span class=\"_ _5\"></span>i kundens kredit<span class=\"_ _5\"></span>trisiko, da <span class=\"_ _5\"></span>dette vil p\u00e5vi<span class=\"_ _5\"></span>rke det </span>overordnede sy<span class=\"_ _5\"></span>net p\u00e5 den \u00f8<span class=\"_ _1\"></span>konom<span class=\"_ _5\"></span>iske situasjonen for det relevante segmentet.<span class=\"ls0 ws0\"> </span>Kvalitativ<span class=\"_ _5\"></span>e kriterier<span class=\"ls0 ws0\"> </span>Kvalitativ inf<span class=\"_ _5\"></span>ormasjon er normalt reflektert gjennom PD<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">modellene for <span class=\"_ _5\"></span>de enkelte k<span class=\"_ _5\"></span>undegruppene.<span class=\"ls0 ws0\"> </span></span>Absolutte k<span class=\"_ _5\"></span>riterier<span class=\"ls0 ws0\"> </span>Absolutte kriteri<span class=\"_ _5\"></span>er blir brukt, og en vesentlig \u00f8kning i kredittrisiko har inntruff<span class=\"_ _5\"></span>et hvis:<span class=\"ls0 ws0\"> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kunden er 30 dager over forfall p\u00e5 kontraktens betal<span class=\"_ _5\"></span>ingsforpliktelser </span> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">det er gitt betalingsl<span class=\"_ _5\"></span>ettelser (forbearance) til en kunde i finansielle vansk<span class=\"_ _5\"></span>eligheter </span> </span>Sensitivit<span class=\"_ _5\"></span>eter<span class=\"ls0 ws0\"> </span>DNB har utf\u00f8rt en sensitivit<span class=\"_ _5\"></span>etsanalyse p\u00e5 terskelverdien til vesentli<span class=\"_ _5\"></span>g \u00f8kning i kredittrisiko som er benyttet til \u00e5 m\u00e5le ECL i gruppe 1 og 2. Hvis det brukes en terskelverdi<span class=\"_ _5\"></span> p\u00e5 1,5 ganger levetids<span class=\"ls0 ws0\">-</span>PD for \u00e5 fastsette den vesentlige \u00f8kning i kredittrisikoen,<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span><span class=\"wsd2\">som alternativ <span class=\"_ _5\"></span>til terskel<span class=\"_ _5\"></span>verdien p\u00e5 2,5,<span class=\"_ _5\"></span> vil </span>flere eksponeringer m<span class=\"_ _5\"></span>igrere fra gruppe 1 til gruppe 2 og ECL i<span class=\"_ _1\"></span> gruppe 1 og 2 vil \u00f8ke med <span class=\"ls0 ws0\">3 </span><span class=\"wsd2\">prosent sammenliknet <span class=\"_ _5\"></span>med ECL ved <span class=\"_ _5\"></span>\u00e5rsslutt 202<span class=\"ls0 ws0\">5<span class=\"lsbc ws103\">. </span></span></span>Hvis i stedet en terskelverdi p\u00e5 3,5 ganger levetids<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>PD blir benyttet,<span class=\"ls0 ws0\"> </span>vil ECL reduseres med <span class=\"wscf\">11<span class=\"ls0 ws0\"> </span></span>prosent sammenliknet med ECL ved \u00e5rsslutt 202<span class=\"ls0 ws0\">5. </span>Definisj<span class=\"_ _1\"></span>onen av mislighold og kredi<span class=\"_ _1\"></span>ttforringede eksponeri<span class=\"_ _1\"></span>nger i gruppe 3 <span class=\"ls0 ws0\"> </span>Definis<span class=\"_ _5\"></span>jonen av kredittforringet er sammenstilt med definisj<span class=\"_ _5\"></span>onen av mislighold brukt for kapitalstyri<span class=\"_ _5\"></span>ng. <span class=\"ls0 ws0\"> </span>Et finansielt inst<span class=\"_ _5\"></span>rument skal anses som misligholdt dersom et krav er forfalt med mer enn 90 dager hvor forfalt bel\u00f8p er st\u00f8rre enn 2 000 <span class=\"_ _1\"></span>kroner og mer enn 1 prosent av debitorens totale engasjement, og hvor misligholdet ik<span class=\"_ _5\"></span>ke skyldes forsinkelser eller tilfel<span class=\"_ _5\"></span>dige forhold hos motparten.<span class=\"ls0 ws0\"> </span>Et engasjement skal ogs\u00e5 anses som misligholdt<span class=\"_ _5\"></span> dersom DNB:<span class=\"ls0 ws0\"> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">som f\u00f8lge av svekket kredittv<span class=\"_ _5\"></span>erdighet hos motparten foretar nedskrivning, og bel\u00f8pet ikke er uvesentl<span class=\"_ _5\"></span>ig </span> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">avtaler endri<span class=\"_ _5\"></span>nger i vilk\u00e5rene som f\u00f8lge av betalingsproblemer hos motparten, og det m\u00e5 antas at dette reduserer verdien av ko<span class=\"wscf\">ntant<span class=\"_ _5\"></span></span></span>-<span class=\"_ _1c5\"> </span></span>str\u00f8mmen med et ikke uvesentlig bel\u00f8p<span class=\"ls0 ws0\"> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">som f\u00f8lge av svekket kredittv<span class=\"_ _5\"></span>erdighet hos motparten avhender en fordring til underkurs og underkurs<span class=\"_ _5\"></span>en ikke er uvesentlig</span> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">har grunnlag for \u00e5 anta at det vil bli \u00e5pnet gjeldsforhandling,<span class=\"_ _5\"></span> konkurs eller offentlig administ<span class=\"_ _5\"></span>rasjon hos motparten</span> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">av andre grunner antar at forpliktels<span class=\"_ _5\"></span>en ikke vil bli oppfylt </span> </span>Et engasjement skal vurderes som antesipert<span class=\"_ _5\"></span> misligholdt dersom det er sannsynlig at kunden ikke vil ha betjeningsevne for sin<span class=\"wsd2\">e saml<span class=\"_ _5\"></span>ede gjelds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>forpliktel<span class=\"_ _5\"></span>ser innenfor sin ordin\u00e6re drift (unlikel<span class=\"_ _5\"></span>iness to pay). <span class=\"ls0 ws0\"> </span>N\u00e5r en misligholdshendels<span class=\"_ _5\"></span>e har inntruffet, skal kunden anses \u00e5 v\u00e6re i mislighold i en periode p\u00e5 3 eller 12 m\u00e5neder etter at <span class=\"wscf\">omstendigheten </span>som gj\u00f8r at kunden er i mislighold har opph\u00f8rt.<span class=\"ls0 ws0\"> </span>M\u00e5ling av for<span class=\"_ _1\"></span>ventet kredittap for kredittfo<span class=\"_ _1\"></span>rringede finans<span class=\"_ _1\"></span>ielle instrumenter<span class=\"ls0 ws0\"> </span>N\u00e5r en kunde er kredittforringet (gruppe 3), bl<span class=\"_ _5\"></span>ir sannsynligheten for mislighol<span class=\"_ _5\"></span>d satt til 100 prosent. I DNB er hovedprinsipp<span class=\"lsbc ws10c\">et at fo<span class=\"_ _1\"></span>rvente<span class=\"_ _1\"></span>t </span>kreditt<span class=\"_ _5\"></span>ap (ECL) for kredittforringede finansiell<span class=\"_ _5\"></span>e instrumenter blir beregnet individuel<span class=\"_ _5\"></span>t per kunde og uten bruk av <span class=\"wsd2\">modell. For portef\u00f8ljen <span class=\"_ _5\"></span>av sm\u00e5 </span>og mellomstore bedrift<span class=\"_ _5\"></span>er med engasjementer p\u00e5 under 50 millioner kroner benyttes som hovedregel modell for beregning av ECL. <span class=\"ls0 ws0\"> </span>Den individuelt beregnet<span class=\"_ _5\"></span>e ECL<span class=\"ls0 ws0\">-</span>avsetningen er estimert som forskjellen mel<span class=\"_ _5\"></span>lom balansef\u00f8rt verdi og netto n\u00e5verdi av de estimerte framtidige kontantst<span class=\"_ _5\"></span>r\u00f8mmene, diskontert med den opprinnelige effektive rent<span class=\"_ _5\"></span>en. De estimerte framtidige kontantstr\u00f8mmene er basert p\u00e5 utvikli<span class=\"_ _5\"></span>ngen i kundens eksponering, ti<span class=\"_ _5\"></span>dligere erfaring med kunden, det sannsynlige result<span class=\"_ _5\"></span>atet av forhandlinger og forventet makro\u00f8konomis<span class=\"_ _5\"></span>k u<span class=\"lsb9 ws123\">tvikling<span class=\"_ _1\"></span> som vil </span>p\u00e5virke kundens forvent<span class=\"_ _5\"></span>ede kontantstr\u00f8m. Dersom eksponeringen er sikret<span class=\"_ _5\"></span>, vil verdien av sikkerheten i et fortsatt drift<span class=\"ls0 ws0\">-</span>scenari<span class=\"_ _5\"></span>o bli inkludert i de estimerte framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmene, uavhengig om overtakels<span class=\"_ _5\"></span>e er sannsynlig eller ikke.<span class=\"ls0 ws0\"> </span>ECL blir estimert basert p\u00e5 vektet ECL fra de ulike scenarioene. Scenarioene sk<span class=\"_ _5\"></span>al representere de faktiske scenarioene for en<span class=\"ls0 ws0\"> </span>kunde i finansi<span class=\"_ _5\"></span>elle problemer, men generelt skal tre ulike scenarioer vurderes. <span class=\"ls0 ws0\"> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Fortsatt<span class=\"_ _5\"></span> drift: Hva er sannsynligheten for en utvikling hvor all gjeld blir tilbakebet<span class=\"_ _5\"></span>alt uten ettergivelser gjennom gjeldsk<span class=\"_ _5\"></span>onvertering eller </span></span>konstateri<span class=\"_ _5\"></span>ng av nedskrivninger ECL i dette scenarioet er null.<span class=\"ls0 ws0\"> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Restruktureri<span class=\"_ _5\"></span>ng: Hva er sannsynligheten for en utvikling hvor kunden m\u00e5 restrukturere k<span class=\"_ _5\"></span>apitalstrukturen for \u00e5 kunne opprettholde fortsatt<span class=\"_ _5\"></span> </span></span>drift, og hva er ECL for DNB i en slik restrukturering? <span class=\"ls0 ws0\"> </span><span class=\"ff14a\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Likvidas<span class=\"_ _5\"></span>jon: Hva er sannsynligheten for at selskapet blir likvidert gjennom konkurs, styrt avvik<span class=\"_ _5\"></span>ling osv., og hva er ECL for DNB i det<span class=\"_ _1\"></span>te </span></span>scenarioet<span class=\"_ _5\"></span>?<span class=\"ls0 ws0\"> </span>ECL innenfor hvert scenario, og sannsynli<span class=\"_ _5\"></span>gheten for at det enkelte scenario inntreffer, vil avhenge av b\u00e5de markedsforhol<span class=\"_ _5\"></span>d og<span class=\"ls0 ws0\"> </span><span class=\"wscf\">kundespesifikke </span>faktorer. S<span class=\"_ _5\"></span>ummen av scenariovektene skal alltid v\u00e6re 100 prosent. Hvis et scenario er h\u00f8yst usannsynlig, kan sannsynli<span class=\"_ _5\"></span>gheten settes til null. <span class=\"ls0 ws0\"> </span><div class=\"c w73 h153 gsf4\"><div class=\"t m2 x20e hcf y2396 ff154 fs55 fc21 sc0 lsaf wsf6\">ECL innenfor restrukt<span class=\"_ _5\"></span>ureringsscenarioet vil avhenge av disk<span class=\"_ _5\"></span>ontert n\u00e5verdi av kundens framtidige kontantstr\u00f8mmer,<span class=\"_ _5\"></span> i tillegg ti<span class=\"wsd2\">l <span class=\"_ _5\"></span>det forventede </span></div><div class=\"t m2 x20e hcf y2397 ff154 fs55 fc21 sc0 lsaf wsf6\">gjeldsniv\u00e5et<span class=\"_ _5\"></span> som de ulike interessentene kan bli enige om i en restrukturering. ECL i likvidasjonssc<span class=\"_ _5\"></span>enarioet vil a<span class=\"wsd2\">vhenge av f<span class=\"_ _5\"></span>orventet </span></div><div class=\"t m2 x20e hcf y2398 ff154 fs55 fc21 sc0 lsaf wsf6\">realisas<span class=\"_ _5\"></span>jonsverdi fra sikkerheter gitt et salg av eiendeler som f\u00f8lge av konkurs ell<span class=\"_ _5\"></span>er gjennom en styrt avvikling. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2399 ff154 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y239a ff154 fs55 fc21 sc0 lsaf wsf6\">Det foretas en modellbasert<span class=\"_ _5\"></span> beregning av ECL for <span class=\"_ _1\"></span>sm<span class=\"_ _5\"></span>\u00e5 og mellomstore bedrifter i gruppe 3 med engasjementer p\u00e5 under 50 millioner kroner. </div><div class=\"t m2 x20e hcf y239b ff154 fs55 fc21 sc0 lsaf wsf6\">Imidlertid vil man kunne beregne ECL individuel<span class=\"_ _5\"></span>t p\u00e5 kundeniv\u00e5 istedenfor n\u00e5r dette vurderes mer hensiktsmessig. ECL<span class=\"ls0 ws0\">-</span><span class=\"wscf\">m<span class=\"_ _5\"></span>od</span>ellen for </div><div class=\"t m2 x20e hcf y239c ff154 fs55 fc21 sc0 lsaf wsf6\">eksponeringer i gruppe 3 baserer seg p\u00e5 samme prinsipper som ECL<span class=\"ls0 ws0\">-</span>modellen f<span class=\"_ _5\"></span>or gruppe 1 og 2, men<span class=\"_ _1\"></span> modell<span class=\"_ _5\"></span>en bruker en gjenvinningsrate og </div><div class=\"t m2 x20e hcf y239d ff154 fs55 fc21 sc0 lsaf wsf6\">beregner ECL basert p\u00e5 sannsynligheten av at et engasjem<span class=\"_ _5\"></span>ent ikke friskmeldes. ECL estimeres basert p\u00e5 en sikkerhetsindeks<span class=\"_ _5\"></span> og </div><div class=\"t m2 x20e hcf y239e ff154 fs55 fc21 sc0 lsaf wsf6\">framoversk<span class=\"_ _5\"></span>uende makroprognoser. Sikkerheter grupperes<span class=\"_ _5\"></span> i n\u00e6ringseiendom, private boliger og andre sikkerhet<span class=\"_ _5\"></span>er etter relevant e<span class=\"wscf\">ksponering. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y222b ff154 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y222c ff154 fs55 fc21 sc0 lsaf wsf6\">For kredittf<span class=\"_ _5\"></span>orringede personkunder med engasjementer p\u00e5 over 5 millioner kroner gj\u00f8r man en individuell vurdering av sikkerheter og gj<span class=\"_ _5\"></span>elds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y222d ff154 fs55 fc21 sc0 lsaf wsf6\">betjenings<span class=\"_ _5\"></span>evne for \u00e5 fastsette ECL. For kredittforringede kunder med engasjementer p\u00e5 under 5 millioner kroner anvender man en portef\u00f8lje<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y222e ff154 fs55 fc21 sc0 lsaf wsf6\">tiln\u00e6<span class=\"_ _5\"></span>rming for \u00e5 fastsette ECL. Estimatet beregnes ved \u00e5 finne diskonterte verdier av sikkerheter for et representativt utval<span class=\"_ _5\"></span><span class=\"wsd2\">g kunder i m<span class=\"_ _5\"></span>islighold. </span></div><div class=\"t m2 x20e hcf y222f ff154 fs55 fc21 sc0 lsaf wsf6\">Den forventede gjenvi<span class=\"_ _5\"></span>nningsgraden blir derett<span class=\"_ _5\"></span>er anvendt p\u00e5 kunder <span class=\"_ _1\"></span>med tilsv<span class=\"_ _5\"></span>arende egens<span class=\"wsd2\">kaper som<span class=\"_ _5\"></span> kundene i <span class=\"_ _5\"></span>utvalget. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2230 ff154 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y239f ff153 fs59 fc21 sc0 lsb8 ws125\">Sensit<span class=\"_ _1\"></span>ivit<span class=\"_ _1\"></span>eter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y23a0 ff154 fs55 fc21 sc0 lsaf wsf6\">DNB har utf\u00f8rt en sensitivit<span class=\"_ _5\"></span>etsanalyse p\u00e5 de individuelt beregnete engasjem<span class=\"_ _5\"></span>entene i gruppe 3 med h\u00f8yest ECL. Hvis sannsynligh<span class=\"wscf\">etsvektingen </span></div><div class=\"t m2 x20e hcf y23a1 ff154 fs55 fc21 sc0 lsaf wsf6\">av det mest negative scenarioet \u00f8kt<span class=\"_ _5\"></span>e med 10 prosent, ville verdien av ECL <span class=\"_ _1\"></span>knytt<span class=\"_ _5\"></span>et til gruppe 3 \u00f8ke med 5 prosent. For kunder med lavere </div><div class=\"t m2 x20e hcf y23a2 ff154 fs55 fc21 sc0 lsaf wsf6\">engasjement, hvor t<span class=\"_ _5\"></span>apsavsetninger modellberegnes<span class=\"_ _5\"></span>, ville et tilsvarende scenario medf\u00f8re en \u00f8kning i ECL p\u00e5 6 prosent per 31.<span class=\"wsd2\">desember 20<span class=\"wscf\">25.<span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x20e hcf y23a3 ff154 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y23a4 ff153 fs5a fc21 sc0 lsc0 ws108\">DNBs pro<span class=\"_ _5\"></span>sedyrer<span class=\"_ _5\"></span> for kon<span class=\"_ _5\"></span>statering<span class=\"_ _5\"></span> av tap<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y23a5 ff154 fs55 fc21 sc0 lsaf wsf6\">DNB konstaterer og reduserer dermed balans<span class=\"_ _5\"></span>ef\u00f8rt verdi av en finansiell eiendel n\u00e5r det ikke er rimelige forventninger om gjenv<span class=\"_ _5\"></span>inning. Det kan </div><div class=\"t m2 x20e hcf y23a6 ff154 fs55 fc21 sc0 lsaf wsf6\">for eksempel v\u00e6re tilfell<span class=\"_ _5\"></span>e n\u00e5r en r<span class=\"_ _1\"></span>ettsi<span class=\"_ _5\"></span>nstans har kommet til en endelig beslutning, en beslutning om ettergivelse<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>av gjeld er tatt eller en overens<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y23a7 ff154 fs55 fc21 sc0 lsaf wsf6\">komst om gjeldssanering er i<span class=\"_ _5\"></span>nng\u00e5tt. Konstatering kan gjelde hele eiendelen eller en andel av eiendelen og kan utgj\u00f8re en frar<span class=\"wscf\">egningshendels<span class=\"_ _5\"></span>e. </span></div><div class=\"t m2 x20e hcf y23a8 ff154 fs55 fc21 sc0 lsaf wsf6\">DNB opprettholder det rettsli<span class=\"_ _5\"></span>ge kravet mot kunder selv om konstateringen er gjennomf\u00f8rt. For bedriftskunder er det en forskjel<span class=\"_ _5\"></span>l mellom interne </div><div class=\"t m2 x20e hcf y23a9 ff154 fs55 fc21 sc0 lsaf wsf6\">konstateri<span class=\"_ _5\"></span>nger og gjeldsettergivelse. I sistnev<span class=\"_ _5\"></span>nte tilfelle opprettholder DNB ikke det rettslige krav<span class=\"_ _5\"></span>et. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y23aa ff154 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y23ab ff153 fs5a fc21 sc0 lsc0 ws108\">Usikkerhet<span class=\"_ _5\"></span> ved m<span class=\"_ _5\"></span>\u00e5ling<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y23ac ff154 fs55 fc21 sc0 lsaf wsf6\">M\u00e5ling av forventet kredittap i<span class=\"_ _5\"></span>nneb\u00e6rer kompleksitet, og ledelsen m\u00e5 vise profesjonelt skj\u00f8<span class=\"_ _5\"></span>nn for mange av de viktigste forut<span class=\"wsd2\">setningene som <span class=\"_ _5\"></span>er </span></div><div class=\"t m2 x20e hcf y23ad ff154 fs55 fc21 sc0 lsaf wsf6\">brukt som input i m\u00e5lingen. For modellbasert m\u00e5ling er estim<span class=\"_ _5\"></span>atusikkerhet i ECL<span class=\"ls0 ws0\">-</span>beregningen relatert til fastsettel<span class=\"_ _5\"></span>sen av PD, LGD og EAD<span class=\"_ _1\"></span>. Dette </div><div class=\"t m2 x20e hcf y23ae ff154 fs55 fc21 sc0 lsaf wsf6\">gjelder b\u00e5de ved benyttelse av historisk<span class=\"_ _5\"></span>e data i utviklingen og kalibreringen av modeller og ved ut\u00f8velse av skj\u00f8nn ved fastsettel<span class=\"_ _5\"></span>sen av disse </div><div class=\"t m2 x20e hcf y23af ff154 fs55 fc21 sc0 lsaf wsf6\">parameterne som del av kredittprosess<span class=\"_ _5\"></span>en. Videre, beslutningen om hvordan segmenteringen av l\u00e5neportef<span class=\"_ _5\"></span>\u00f8ljen skal gj\u00f8res, identifis<span class=\"_ _5\"></span>ering av </div><div class=\"t m2 x20e hcf y23b0 ff154 fs55 fc21 sc0 lsaf wsf6\">relevante risikodri<span class=\"_ _5\"></span>vere for hvert segment og prognosene for hver risikodriver skaper ogs<span class=\"_ _5\"></span>\u00e5 estimatusikkerhet. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y23b1 ff154 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y23b2 ff154 fs55 fc21 sc0 lsaf wsf6\">Andre omr\u00e5der med vesentli<span class=\"_ _5\"></span>g estimatusikkerhet er fastsettelsen av flere fram<span class=\"_ _5\"></span>tidige \u00f8konomiske scenarier, estimering av f<span class=\"_ _5\"></span>orven<span class=\"lsbd ws117\">te<span class=\"_ _5\"></span>t lev<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span>ti<span class=\"_ _5\"></span>d, </span></div><div class=\"t m2 x20e hcf y23b3 ff154 fs55 fc21 sc0 lsaf wsf6\">vurdering av vesentlig \u00f8kni<span class=\"_ _5\"></span>ng i kredittrisiko og beslutni<span class=\"_ _5\"></span>ng om kriteriet for mislighold er oppfylt. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y23b4 ff154 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y23b5 ff154 fs55 fc21 sc0 lsaf wsf6\">For eksponeringer i gruppe 3 hvor ECL er m\u00e5lt individuelt per kunde, anvendes bety<span class=\"_ _5\"></span>delig skj\u00f8nn ved fastsettelse av forutsetni<span class=\"_ _5\"></span><span class=\"wsd2\">ngene som er </span></div><div class=\"t m2 x20e hcf y23b6 ff154 fs55 fc21 sc0 lsaf wsd2\">benyttet f<span class=\"_ _5\"></span>or kundens f<span class=\"_ _5\"></span>ramtidige kontantstr\u00f8<span class=\"_ _5\"></span>m og foruts<span class=\"_ _5\"></span>etninger relatert <span class=\"_ _5\"></span>til verds<span class=\"_ _5\"></span>ettelsen av sikk<span class=\"_ _5\"></span>erheter, inkludert<span class=\"_ _5\"></span> ti<span class=\"wsf6\">dspunk<span class=\"_ _5\"></span>tet for den potensielle </span></div><div class=\"t m2 x20e hcf y23b7 ff154 fs55 fc21 sc0 lsaf wsf6\">overtak<span class=\"_ _5\"></span>elsen av sikkerheter.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y23b8 ff154 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y23b9 ff154 fs55 fc21 sc0 lsaf wsd2\">Sensitivit<span class=\"_ _5\"></span>eter er vist<span class=\"_ _5\"></span> separat ovenfor.<span class=\"_ _5\"></span> <span class=\"ff155 ls0 ws0\"> </span></div></div>Tabellen under avst<span class=\"_ _5\"></span>emmer inng\u00e5ende mot utg\u00e5ende balanse for akkumulerte nedskrivninger p\u00e5 utl\u00e5n til kunder til amort<span class=\"_ _5\"></span>isert kos<span class=\"wsd2\">t og fi<span class=\"_ _5\"></span>nansielle </span>garantier og utruk<span class=\"_ _5\"></span>ne rammer. Avstemmingspostene inkluderer f\u00f8l<span class=\"_ _5\"></span>gende:<span class=\"ls0 ws0\"> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Ov<span class=\"_ _5\"></span>erf\u00f8ringer mellom grupper som f\u00f8lge av vesentlig endring i kreditt<span class=\"_ _5\"></span>risiko. Overf\u00f8ringen antas \u00e5 skje f\u00f8r den etterf\u00f8lgende n</span>y<span class=\"lsaf wscf\">e m\u00e5li<span class=\"_ _5\"></span>ngen </span></span>av avsetningen.<span class=\"ls0 ws0\"> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger som skyldes overf\u00f8ring mellom 12</span>-<span class=\"lsaf wsf6\">m\u00e5neders<span class=\"_ _5\"></span> forventet kredittap i gruppe 1 og forventet kredittap i levetiden i gruppene 2 og 3. </span> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger i avsetning som skyldes opprettelse av nye finans<span class=\"_ _5\"></span>ielle instrumenter i l\u00f8pet av perioden.</span> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">\u00d8k<span class=\"_ _5\"></span>ninger og nedganger i forventet kredittap som f\u00f8lge av endringer i parametre og forutset<span class=\"_ _5\"></span>ninger, inkludert makroframskrivni<span class=\"_ _5\"></span>n<span class=\"wsd2\">ger, i til<span class=\"_ _5\"></span>legg </span></span></span>til effekt<span class=\"_ _5\"></span>en av delvis tilbakebetaling p\u00e5 eksisterende fas<span class=\"_ _5\"></span>iliteter og tilbakef\u00f8ring av tidsverdien av diskontert<span class=\"_ _5\"></span>e ve<span class=\"wsd2\">rdier grunnet t<span class=\"_ _5\"></span>idsforl\u00f8p.<span class=\"ls0 ws0\"> </span></span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger i avsetning som skyldes fraregning av fi<span class=\"_ _5\"></span>nansielle garantier og utrukne rammer i l\u00f8pet av perioden.</span> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Konst<span class=\"_ _5\"></span>ateringer, valut<span class=\"_ _5\"></span>akursendringer og andre endringer som p\u00e5virker det forventede kreditt<span class=\"_ _5\"></span>apet.</span> </span><table class=\"s w320 h4d6\" id=\"_4dae6694-7728-4598-a528-bb245c2b88ad\"><tr><td class=\"c x3db y4011 w13c h139\"><div class=\"t m2 x19f hd1 y1fa6 ff17b fs55 fc21 sc0 lsc1 ws116\">Utl\u00e5n til amor<span class=\"_ _5\"></span>tisert kost<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y4012 w152 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff17e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4012 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4012 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4012 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4012 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4013 w152 hdd\"><div class=\"t m2 x19f hdc y1da9 ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4013 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(680)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4013 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(834)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4013 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">261</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4013 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">775</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4014 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4014 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(468)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4014 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">438</span> </div></td><td class=\"c x3dd y4014 w6f hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">30</span> </div></td><td></td></tr><tr><td class=\"c x3db y4015 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4015 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">111</span> </div></td><td class=\"c x436 y4015 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(134)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4015 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td></td></tr><tr><td class=\"c x3db y4016 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4016 w6e hda\"><div class=\"t m2 x134 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td class=\"c x436 y4016 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">102</span> </div></td><td class=\"c x3dd y4016 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(107)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4017 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff17c fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(435)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(143)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(578)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4018 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4018 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(290)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4018 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(855)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4018 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">715</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4018 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">860</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4019 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4019 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">933</span> </div></td><td class=\"c x436 y4019 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">454</span> </div></td><td class=\"c x3dd y4019 w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">925</span> </div></td><td class=\"c x3de y4019 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">311</span> </div></td></tr><tr><td class=\"c x3db y401a w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y401a w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">370</span> </div></td><td class=\"c x3de y401a w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">370</span> </div></td></tr><tr><td class=\"c x3db y401b w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401b w6e hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">51</span> </div></td><td class=\"c x436 y401b w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">238</span> </div></td><td class=\"c x3dd y401b w6f hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">158</span> </div></td><td class=\"c x3de y401b w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">447</span> </div></td></tr><tr><td class=\"c x3db y401c w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401c w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401c w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401c w6f hdb\"><div class=\"t m2 x249 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y401c w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y401d w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401d w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff17b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401d w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff17b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401d w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff17b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y401d w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">124</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y401e w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401e w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(424)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401e w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">407</span> </div></td><td class=\"c x3dd y401e w6f hda\"><div class=\"t m2 x1e3 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td></td></tr><tr><td class=\"c x3db y401f w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401f w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">151</span> </div></td><td class=\"c x436 y401f w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">(183)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401f w6f hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">33</span> </div></td><td></td></tr><tr><td class=\"c x3db y4020 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4020 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td class=\"c x436 y4020 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">91</span> </div></td><td class=\"c x3dd y4020 w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(101)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4021 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(304)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(130)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(434)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4022 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4022 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(287)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4022 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(879)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4022 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">024</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4022 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">190</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4023 w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4023 w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">882</span> </div></td><td class=\"c x436 y4023 w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">317</span> </div></td><td class=\"c x3dd y4023 w6f hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">722</span> </div></td><td class=\"c x3de y4023 w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">921</span> </div></td></tr><tr><td class=\"c x3db y4024 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y4024 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">234</span> </div></td><td class=\"c x3de y4024 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">234</span> </div></td></tr><tr><td class=\"c x3db y4025 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4025 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x436 y4025 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">210</span> </div></td><td class=\"c x3dd y4025 w6f hdb\"><div class=\"t m2 x134 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x3de y4025 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">234</span> </div></td></tr><tr><td class=\"c x3db y4026 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4026 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3de y4026 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4027 w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4027 w6e hde\"><div class=\"t m2 xf9 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4027 w6e hde\"><div class=\"t m2 xf9 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4027 w6f hde\"><div class=\"t m2 x249 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4027 w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4028 w152 hdd\"><div class=\"t m2 x19f hdc y1da9 ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4028 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4028 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4028 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4028 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">410</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td></tr></table>Note K11 Utvikling i akkumulerte nedskrivninger a<span class=\"_ _1\"></span>v finansielle instrumenter<span class=\"_ _1c5\"> </span><table class=\"s w321 h4d7\" id=\"_7a72e099-1e8d-4cd6-bf6e-8ed01e7bb3af\"><tr><td class=\"c x45e y4029 w149 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff181 fs55 fc21 sc0 lsae wsce\">Finansielle <span class=\"_ _1\"></span>garantier o<span class=\"_ _1\"></span>g utrukne<span class=\"_ _1\"></span> rammer<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y402a w13d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff182 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402a w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402a w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402a w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y402a w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y402b w13d hd9\"><div class=\"t m2 x19f hdc y1dae ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(245)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402b w6f hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(205)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(679)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y402c w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402c w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(124)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402c w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">122</span> </div></td><td class=\"c x45f y402c w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff180 fs53 fc21 sc0 ls0 ws0\"> 2 </div></td><td></td></tr><tr><td class=\"c x45e y402d w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402d w6e hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y402d w6f hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td></tr><tr><td class=\"c x45e y402e w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y402e w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">13</span> </div></td><td class=\"c x45f y402e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff180 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y402f w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402f w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">(252)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402f w6f hdb\"><div class=\"t m2 x249 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(32)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y402f w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4030 w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4030 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(66)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4030 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(158)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4030 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(819)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4030 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">043</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4031 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4031 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">383</span> </div></td><td class=\"c x462 y4031 w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">89</span> </div></td><td class=\"c x45f y4031 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">751</span> </div></td><td class=\"c x463 y4031 w6e hda\"><div class=\"t m2 x2d7 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">223</span> </div></td></tr><tr><td class=\"c x45e y4032 w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4032 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x462 y4032 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">52</span> </div></td><td class=\"c x45f y4032 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x463 y4032 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">149</span> </div></td></tr><tr><td class=\"c x45e y4033 w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4033 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4033 w6f hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4033 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4034 w13d hd9\"><div class=\"t m2 x19f hdc y1da9 ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4034 w6f hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(642)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4035 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4035 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4035 w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">70</span> </div></td><td class=\"c x45f y4035 w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 8 </div></td><td></td></tr><tr><td class=\"c x45e y4036 w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4036 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y4036 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff180 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4036 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">42</span> </div></td><td></td></tr><tr><td class=\"c x45e y4037 w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4037 w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 6 </div></td><td class=\"c x462 y4037 w6f hdb\"><div class=\"t m2 x1e3 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">13</span> </div></td><td class=\"c x45f y4037 w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4038 w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4038 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4038 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(107)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4038 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(277)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4039 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4039 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(62)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4039 w6f hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4039 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(70)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4039 w6e hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">(301)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y403a w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">316</span> </div></td><td class=\"c x462 y403a w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">120</span> </div></td><td class=\"c x45f y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">173</span> </div></td><td class=\"c x463 y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">609</span> </div></td></tr><tr><td class=\"c x45e y403b w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403b w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x462 y403b w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">110</span> </div></td><td class=\"c x45f y403b w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x463 y403b w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">111</span> </div></td></tr><tr><td class=\"c x45e y403c w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403c w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x463 y403c w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y403d w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x462 y403d w6f hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45f y403d w6e hda\"><div class=\"t m2 xf9 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y403d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td></tr><tr><td class=\"c x45e y403e w13d hdd\"><div class=\"t m2 x19f hdc y1db0 ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403e w6e hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y403e w6f hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y403e w6e hdd\"><div class=\"t m2 x249 hdc y1db0 ff181 fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y403e w6e hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td></tr></table>For forklarende komment<span class=\"_ _5\"></span>arer om nedskrivninger p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er, se \u00c5rsberetningen <span class=\"ls0 ws0\">\u2013 </span>generelle opplysninger.<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-423": {
   "value": "Note K7 K<span class=\"_ _1\"></span>reditteksponering og sikk<span class=\"_ _2\"></span>erheter<span class=\"_ _1c5\"> </span>Tabellen under inkluderer balans<span class=\"_ _5\"></span>eposter og poster utenfor balansen med kreditt<span class=\"_ _5\"></span>risiko, og vurdert verdi av tilh\u00f8rende sikkerheter. Der markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>verdier er tilgjengel<span class=\"_ _5\"></span>ig er disse benyttet. I hovedsak er det foretatt estimering av markedsverdier bas<span class=\"_ _5\"></span>ert p\u00e5 ulike<span class=\"ls0 ws0\"> </span>teknikker avhengig av sikkerhets<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>type. Innenfor eiendom<span class=\"_ _5\"></span> er det benyttet modeller som estimerer verdien av sikkerhetene basert p\u00e5 markedsparametere for t<span class=\"_ _5\"></span>ilsvarende eien<span class=\"wscf\">dom<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>mer. Tilsvarende t<span class=\"_ _5\"></span>eknikker er benyttet p\u00e5 \u00f8vrige ikke<span class=\"ls0 ws0\">-</span>finansiell<span class=\"_ _5\"></span>e sikkerheter. Markedsverdien av sikkerheter inkludert<span class=\"_ _5\"></span> i tabellen er begrenset til maksimal kreditt<span class=\"_ _5\"></span>eksponering p\u00e5 det enkelte utl\u00e5n eller engasjement for \u00e5 gi uttrykk for effektiv t<span class=\"_ _5\"></span>ilgjengelig sikkerhetsv<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\">. </span>\u00d8vrig sikkerhet inkl<span class=\"_ _5\"></span>uderer blant annet vurdert markedsverdi av l\u00f8s\u00f8re, kaus<span class=\"_ _5\"></span>jon, skip samt kontanter i tillegg til andre kredittforbedringer som<span class=\"_ _5\"></span> nettingavt<span class=\"_ _5\"></span>aler og mottatte garantier.<span class=\"ls0 ws0\"> </span><table class=\"s w313 h4cb\" id=\"_bed09b54-ccec-4fef-b67b-4acab12b7aef\"><tr><td class=\"c x450 y3f6e w133 h139\"><div class=\"t m2 x19f hd1 y2193 ff157 fs55 fc21 sc0 lsaf wsf6\">Kreditteksponer<span class=\"_ _5\"></span>ing og sikkerheter per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x451 y3f6f w6f hd7\"><div class=\"t m2 x1ab hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f6f w6e hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff156 fs53 fc21 sc0 lsaa wscd\">Netto<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x451 y3f70 w6f hd7\"><div class=\"t m2 x267 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x453 y3f70 w6e hd7\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x454 y3f70 w6e hd7\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x455 y3f70 w6f hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff156 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x456 y3f70 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">Total<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x452 y3f70 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x450 y3f71 w134 hd7\"><div class=\"t m2 x19f hd8 y1f31 ff158 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f71 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff156 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x453 y3f71 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">eiendom<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x454 y3f71 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">verdipa<span class=\"_ _5\"></span>pirer <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x455 y3f71 w6f hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x456 y3f71 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x452 y3f71 w6e hd7\"><div class=\"t m2 x210 hcc y1db0 ff156 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x450 y3f72 w134 hd9\"><div class=\"t m2 x19f hcc y2369 ff156 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f72 w6f hd9\"><div class=\"t m2 x20f hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">162</span> <span class=\"lsab wscb\">779</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f72 w6e hd9\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x456 y3f72 w6e hd9\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f72 w6e hd9\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">930</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f73 w134 hda\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f73 w6f hda\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">809</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f73 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">481</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f73 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">309</span> </div></td><td class=\"c x456 y3f73 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">790</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f73 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">020</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f74 w134 hde\"><div class=\"t m2 x19f hcc y1da9 ff156 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f74 w6f hde\"><div class=\"t m2 x19b hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x453 y3f74 w6e hde\"><div class=\"t m2 x19b hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">282</span> <span class=\"lsab wscb\">03<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f74 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">450</span> <span class=\"lsab wscb\">288</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f74 w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">346</span> <span class=\"lsab wscb\">791</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f74 w6e hde\"><div class=\"t m2 x19b hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">079</span> <span class=\"lsab wscb\">11<span class=\"_ _5\"></span>8</span> </div></td><td class=\"c x452 y3f74 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">324</span> <span class=\"lsab wscb\">222</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f75 w134 hdb\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f75 w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">529</span> <span class=\"lsab wscb\">301</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f75 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">529</span> <span class=\"lsab wscb\">301</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f76 w134 hdb\"><div class=\"t m2 x19f hcc y2369 ff156 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f76 w6f hdb\"><div class=\"t m2 x20f hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">101</span> <span class=\"lsab wscb\">839</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f76 w6e hdb\"><div class=\"t m2 x1b5 hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">554</span> </div></td><td class=\"c x455 y3f76 w6f hdb\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">809</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f76 w6e hdb\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">41</span> <span class=\"lsab wscb\">363</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f76 w6e hdb\"><div class=\"t m2 x19e hcc y2369 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">60</span> <span class=\"lsab wscb\">475</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f77 w134 hda\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f77 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">910</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f77 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">910</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hcc y236f ff156 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f79 w134 h157\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x451 y3f79 w6f h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">340</span> <span class=\"lsab wscb\">97<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x453 y3f79 w6e h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">282</span> <span class=\"lsab wscb\">03<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f79 w6e h157\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">607</span> <span class=\"lsab wscb\">173</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f79 w6f h157\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">387</span> <span class=\"lsab wscb\">909</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f79 w6e h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">277</span> <span class=\"lsab wscb\">12<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x452 y3f79 w6e h157\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">063</span> <span class=\"lsab wscb\">85<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x450 y3f7a w134 h11f\"><div class=\"t m2 x19f hcc y1d11 ff156 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7a w6f h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">209</span> </div></td><td class=\"c x453 y3f7a w6e h11f\"><div class=\"t m2 x134 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x454 y3f7a w6e h11f\"><div class=\"t m2 x1e3 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x455 y3f7a w6f h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">907</span> </div></td><td class=\"c x456 y3f7a w6e h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">993</span> </div></td><td class=\"c x452 y3f7a w6e h11f\"><div class=\"t m2 x2d7 hcc y1d11 ff156 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">216</span> </div></td></tr><tr><td class=\"c x450 y3f7b w134 hde\"><div class=\"t m2 x19f hcc y1da9 ff156 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7b w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">806</span> <span class=\"lsab wscb\">465</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f7b w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">184</span> <span class=\"lsab wscb\">436</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f7b w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">52</span> <span class=\"lsab wscb\">170</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f7b w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">122</span> <span class=\"lsab wscb\">883</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7b w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">359</span> <span class=\"lsab wscb\">490</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f7b w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">446</span> <span class=\"lsab wscb\">975</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f7c w134 hdb\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7c w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">870</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f7c w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">271</span> </div></td><td class=\"c x454 y3f7c w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">289</span> </div></td><td class=\"c x455 y3f7c w6f hdb\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">619</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7c w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">27</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f7c w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">691</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hcc y2374 ff156 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f7d w134 h158\"><div class=\"t m2 x19f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x451 y3f7d w6f h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">951</span> <span class=\"lsab wscb\">544</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f7d w6e h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">190</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f7d w6e h158\"><div class=\"t m2 x19e hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">57</span> <span class=\"lsab wscb\">542</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f7d w6f h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">140</span> <span class=\"lsab wscb\">409</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7d w6e h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">388</span> <span class=\"lsab wscb\">662</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f7d w6e h158\"><div class=\"t m2 x20f hcc y1da9 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">562</span> <span class=\"lsab wscb\">882</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f7e w134 hdd\"><div class=\"t m2 x19f hcc y1db0 ff156 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f7e w6f hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">292</span> <span class=\"lsab wscb\">52<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x453 y3f7e w6e hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">472</span> <span class=\"lsab wscb\">74<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f7e w6e hdd\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">664</span> <span class=\"lsab wscb\">715</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f7e w6f hdd\"><div class=\"t m2 x20f hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">528</span> <span class=\"lsab wscb\">319</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f7e w6e hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">665</span> <span class=\"lsab wscb\">78<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x452 y3f7e w6e hdd\"><div class=\"t m2 x19b hcc y1db0 ff156 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">626</span> <span class=\"lsab wscb\">74<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x450 y3f7f w134 h11d\"><div class=\"t m2 x19f hd8 y2379 ff158 fs53 fc21 sc0 lsab wscd\">Herav gj<span class=\"_ _5\"></span>enstan<span class=\"_ _5\"></span>d for <span class=\"_ _5\"></span>forven<span class=\"_ _5\"></span>tet kr<span class=\"_ _5\"></span>edittap:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f80 w134 h15b\"><div class=\"t m2 x19f hd8 y1dc1 ff158 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f80 w6f h15b\"><div class=\"t m2 x20f hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">162</span> <span class=\"lsab wscb\">779</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f80 w6e h15b\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x456 y3f80 w6e h15b\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">62</span> <span class=\"lsab wscb\">849</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f80 w6e h15b\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">930</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f81 w134 h11d\"><div class=\"t m2 x19f hd8 y1dc1 ff158 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f81 w6f h11d\"><div class=\"t m2 x20f hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">809</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x454 y3f81 w6e h11d\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">481</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f81 w6f h11d\"><div class=\"t m2 x1b5 hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">309</span> </div></td><td class=\"c x456 y3f81 w6e h11d\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">93</span> <span class=\"lsab wscb\">790</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f81 w6e h11d\"><div class=\"t m2 x19e hd8 y1dc1 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">020</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f82 w134 h122\"><div class=\"t m2 x19f hd8 y1dae ff158 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f82 w6f h122\"><div class=\"t m2 x19b hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x453 y3f82 w6e h122\"><div class=\"t m2 x19b hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">236</span> <span class=\"lsab wscb\">99<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f82 w6e h122\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">450</span> <span class=\"lsab wscb\">246</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f82 w6f h122\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">346</span> <span class=\"lsab wscb\">736</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f82 w6e h122\"><div class=\"t m2 x19b hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">033</span> <span class=\"lsab wscb\">98<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x452 y3f82 w6e h122\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">323</span> <span class=\"lsab wscb\">162</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f83 w134 h11d\"><div class=\"t m2 x19f hd8 y1dae ff158 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f83 w6f h11d\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">306</span> <span class=\"lsab wscb\">718</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x452 y3f83 w6e h11d\"><div class=\"t m2 x20f hd8 y1dae ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">306</span> <span class=\"lsab wscb\">718</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y237c ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f84 w134 h15c\"><div class=\"t m2 x19f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x451 y3f84 w6f h15c\"><div class=\"t m2 x19b hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">938</span> <span class=\"lsab wscb\">44<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x453 y3f84 w6e h15c\"><div class=\"t m2 x19b hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">236</span> <span class=\"lsab wscb\">99<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f84 w6e h15c\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">606</span> <span class=\"lsab wscb\">576</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f84 w6f h15c\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">347</span> <span class=\"lsab wscb\">045</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f84 w6e h15c\"><div class=\"t m2 x19b hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">190</span> <span class=\"lsab wscb\">62<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x452 y3f84 w6e h15c\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">747</span> <span class=\"lsab wscb\">829</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f85 w134 h142\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f85 w6f h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">209</span> </div></td><td class=\"c x453 y3f85 w6e h142\"><div class=\"t m2 x134 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x454 y3f85 w6e h142\"><div class=\"t m2 x1e3 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x455 y3f85 w6f h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">907</span> </div></td><td class=\"c x456 y3f85 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">993</span> </div></td><td class=\"c x452 y3f85 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">216</span> </div></td></tr><tr><td class=\"c x450 y3f86 w134 h122\"><div class=\"t m2 x19f hd8 y200f ff158 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f86 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">806</span> <span class=\"lsab wscb\">465</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f86 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">184</span> <span class=\"lsab wscb\">436</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f86 w6e h122\"><div class=\"t m2 x19e hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">52</span> <span class=\"lsab wscb\">170</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f86 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">122</span> <span class=\"lsab wscb\">883</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f86 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">359</span> <span class=\"lsab wscb\">489</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f86 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">446</span> <span class=\"lsab wscb\">976</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f87 w134 h11d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f87 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">870</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f87 w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">271</span> </div></td><td class=\"c x454 y3f87 w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">289</span> </div></td><td class=\"c x455 y3f87 w6f h11d\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">619</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f87 w6e h11d\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">27</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f87 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">111</span> <span class=\"lsab wscb\">691</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y2381 ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f88 w134 h15d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x451 y3f88 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">951</span> <span class=\"lsab wscb\">544</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f88 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">190</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x454 y3f88 w6e h15d\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">57</span> <span class=\"lsab wscb\">542</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f88 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">140</span> <span class=\"lsab wscb\">409</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f88 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">388</span> <span class=\"lsab wscb\">662</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f88 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">562</span> <span class=\"lsab wscb\">882</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x450 y3f89 w134 h13e\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f89 w6f h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">889</span> <span class=\"lsab wscb\">99<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x453 y3f89 w6e h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">427</span> <span class=\"lsab wscb\">70<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x454 y3f89 w6e h13e\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">664</span> <span class=\"lsab wscb\">118</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x455 y3f89 w6f h13e\"><div class=\"t m2 x20f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">455</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x456 y3f89 w6e h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">579</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x452 y3f89 w6e h13e\"><div class=\"t m2 x19b hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">310</span> <span class=\"lsab wscb\">71<span class=\"_ _5\"></span>1</span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y2387 ff158 fs53 fc21 sc0 lsab wscd\">Herav g<span class=\"_ _5\"></span>ruppe 3:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8a w134 h11d\"><div class=\"t m2 x19f hd8 y1da9 ff158 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f8a w6f h11d\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f8a w6e h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x454 y3f8a w6e h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">593</span> </div></td><td class=\"c x455 y3f8a w6f h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">673</span> </div></td><td class=\"c x456 y3f8a w6e h11d\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f8a w6e h11d\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">475</span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y238a ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8b w134 h158\"><div class=\"t m2 x19f hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x451 y3f8b w6f h158\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f8b w6e h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x454 y3f8b w6e h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">593</span> </div></td><td class=\"c x455 y3f8b w6f h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">673</span> </div></td><td class=\"c x456 y3f8b w6e h158\"><div class=\"t m2 x19e hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">710</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f8b w6e h158\"><div class=\"t m2 x2d7 hd8 y1da9 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">475</span> </div></td></tr><tr><td class=\"c x450 y3f8c w134 h142\"><div class=\"t m2 x19f hd8 y1da9 ff158 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8d w134 h122\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f8d w6f h122\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">717</span> </div></td><td class=\"c x453 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">139</span> </div></td><td class=\"c x454 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">556</span> </div></td><td class=\"c x455 y3f8d w6f h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">133</span> </div></td><td class=\"c x456 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">828</span> </div></td><td class=\"c x452 y3f8d w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">889</span> </div></td></tr><tr><td class=\"c x450 y3f8e w134 h11d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f8e w6f h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">271</span> </div></td><td class=\"c x453 y3f8e w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">143</span> </div></td><td class=\"c x454 y3f8e w6e h11d\"><div class=\"t m2 x134 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 4 </div></td><td class=\"c x455 y3f8e w6f h11d\"><div class=\"t m2 x1e3 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">99</span> </div></td><td class=\"c x456 y3f8e w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">246</span> </div></td><td class=\"c x452 y3f8e w6e h11d\"><div class=\"t m2 x1e3 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">25</span> </div></td></tr><tr><td class=\"c x457 y3f78 w111 h14e\"><div class=\"t m2 x1e3 hd8 y238f ff158 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x450 y3f8f w134 h15d\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x451 y3f8f w6f h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x453 y3f8f w6e h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">283</span> </div></td><td class=\"c x454 y3f8f w6e h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">560</span> </div></td><td class=\"c x455 y3f8f w6f h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">231</span> </div></td><td class=\"c x456 y3f8f w6e h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">074</span> </div></td><td class=\"c x452 y3f8f w6e h15d\"><div class=\"t m2 x1b5 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">914</span> </div></td></tr><tr><td class=\"c x450 y3f90 w134 h142\"><div class=\"t m2 x19f hd8 y1db0 ff158 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x451 y3f90 w6f h142\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">173</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x453 y3f90 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x454 y3f90 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">152</span> </div></td><td class=\"c x455 y3f90 w6f h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">904</span> </div></td><td class=\"c x456 y3f90 w6e h142\"><div class=\"t m2 x19e hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">784</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x452 y3f90 w6e h142\"><div class=\"t m2 x2d7 hd8 y1db0 ff158 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">389</span> </div></td></tr></table>Det er ikke innregnet tapsavsetni<span class=\"_ _5\"></span>ng for finansielle eiendeler p\u00e5 <span class=\"ls0 ws0\">2,4 </span>milliarder kroner i gruppe 3 p\u00e5 grunn av sikkerhetsstill<span class=\"_ _5\"></span>elsen.<span class=\"ls0 ws0\"> </span>Nedenfor er det gitt kommentarer til de vesentli<span class=\"_ _5\"></span>gste postene per 31. desember 202<span class=\"ls0 ws0\">5: </span><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Fordringer p\u00e5 sent<span class=\"_ _5\"></span>ralbanker<span class=\"ff160 wsd2\">: Forretninger <span class=\"_ _5\"></span>med sent<span class=\"_ _5\"></span>ralbanker</span></span> <span class=\"lsc1 ws120\">er kort<span class=\"lsaf wsf6\">sik<span class=\"_ _5\"></span>tige og gj\u00f8res hovedsakelig med OECD</span></span>-<span class=\"lsaf wscf\">land. </span> </span><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsd2\">Utl\u00e5n <span class=\"_ _5\"></span>til kunder<span class=\"ff160\">: S<span class=\"_ _5\"></span>e omtale under avs<span class=\"_ _5\"></span>nittet \"Retni<span class=\"_ _5\"></span>ngslinjer for <span class=\"_ _5\"></span>kredittvirksom<span class=\"_ _5\"></span>het\" i not<span class=\"_ _5\"></span>e K</span></span>5 <span class=\"lsaf wsf6\">Styring av kredittrisik<span class=\"_ _5\"></span>o.</span> </span><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Sertifik<span class=\"_ _5\"></span>ater og obligasjoner<span class=\"ff160\">: Konsernets investeri<span class=\"_ _5\"></span>nger i sertifikater og obligasjoner gj\u00f8res innenfor rammer f<span class=\"_ _5\"></span>or markedsrisiko godkjent av </span></span></span>styre<span class=\"_ _1\"></span>t.<span class=\"ls0 ws0\"> </span><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle derivater<span class=\"ff160\">: \u00d8vrige sikkerheter repres<span class=\"_ _5\"></span>enterer adgangen til netting mot annet mellomv\u00e6rende med kundene og mottatt kontant<span class=\"_ _5\"></span></span></span>-<span class=\"_ _1c5\"> </span></span>sikkerhet.<span class=\"ls0 ws0\"> </span><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wscf\">Garantier<span class=\"ff160 wsf6\">:<span class=\"_ _5\"></span> Se omtale under avsnittet \"Retningslinjer for kredittvirks<span class=\"_ _5\"></span>omhet\" i note K<span class=\"lsbd ws104\">5 </span><span class=\"wsd2\">Styring <span class=\"_ _5\"></span>av kredittris<span class=\"_ _5\"></span>iko.</span></span></span> </span><span class=\"ff160\"> <span class=\"_ _1b4\"> </span><span class=\"ff162 lsaf wsf6\">Udisponerte kredit<span class=\"_ _5\"></span>trammer og tilbud<span class=\"ff160\">: Tilbud om l\u00e5n, kreditter eller k<span class=\"_ _5\"></span>redittrammer inng\u00e5r med </span></span>1<span class=\"lsaf wscf\">60</span> <span class=\"lsaf wscf\">108</span> <span class=\"lsaf wsf6\">millioner kroner i maksimal kreditt<span class=\"_ _5\"></span></span>- </span>eksponering. For slik<span class=\"_ _5\"></span> eksponering er det ikke etablert formelle sikkerheter, og vurdert verdi av disse inng\u00e5r ikke i tabel<span class=\"_ _5\"></span>len<span class=\"wsd2\">. Etableri<span class=\"_ _5\"></span>ng av </span>sikkerhet<span class=\"_ _5\"></span>er gj\u00f8res i sammenheng med kundens eventuelle aksept av tilbudet. Vu<span class=\"wsd2\">rderingen av v<span class=\"_ _5\"></span>erdi av event<span class=\"_ _5\"></span>uelle sikkerhet<span class=\"_ _5\"></span>er i forbindelse </span>med tilbud f\u00f8lger prosedyre og kriterier om<span class=\"_ _5\"></span>talt under avsnittet \u201dRetni<span class=\"_ _5\"></span>ngslinjer for kredittvirks<span class=\"_ _5\"></span>omhet\" i note K<span class=\"ls0 ws0\">5 </span><span class=\"wsd2\">Styring av kredittri<span class=\"_ _5\"></span>siko.<span class=\"ls0 ws0\"> </span></span><table class=\"s w314 h4cc\" id=\"_400b6cd7-1a07-4e99-9e99-d382d1f32cd8\"><tr><td class=\"c x400 y3f91 w133 h139\"><div class=\"t m2 x19f hd1 y2193 ff15f fs55 fc21 sc0 lsaf wsf6\">Kreditteksponer<span class=\"_ _5\"></span>ing og sikkerheter per 31. desember 2024\u00b9<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x458 y3f92 w6e hd7\"><div class=\"t m2 x1ab hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3f92 w6f hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff160 fs53 fc21 sc0 lsaa wscd\">Netto<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x458 y3f93 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x459 y3f93 w6e hd7\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45a y3f93 w6f hd7\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>het i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45b y3f93 w6e hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff160 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45c y3f93 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">Total<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3f93 w6f hd7\"><div class=\"t m2 x267 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f94 w13b hd7\"><div class=\"t m2 x19f hd8 y1f31 ff162 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f94 w6e hd7\"><div class=\"t m2 x210 hcc y1db0 ff160 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x459 y3f94 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">eiendom<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45a y3f94 w6f hd7\"><div class=\"t m2 x1bc hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">verdipa<span class=\"_ _5\"></span>pirer <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45b y3f94 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45c y3f94 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">sikkerhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x404 y3f94 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff160 fs53 fc21 sc0 lsb2 wsf2\">for kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y3f95 w13b h11f\"><div class=\"t m2 x19f hcc y1dae ff160 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f95 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">147</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3f95 w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x45c y3f95 w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td class=\"c x404 y3f95 w6f h11f\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">143</span> <span class=\"lsab wscb\">546</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f96 w13b hde\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f96 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">165</span> <span class=\"lsab wscb\">563</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3f96 w6f hde\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">196</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f96 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">146</span> </div></td><td class=\"c x45c y3f96 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">342</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f96 w6f hde\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">221</span> </div></td></tr><tr><td class=\"c x400 y3f97 w13b hdb\"><div class=\"t m2 x19f hcc y1dae ff160 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f97 w6e hdb\"><div class=\"t m2 x19b hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x459 y3f97 w6e hdb\"><div class=\"t m2 x19b hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">54<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x45a y3f97 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">366</span> <span class=\"lsab wscb\">625</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f97 w6e hdb\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">333</span> <span class=\"lsab wscb\">116</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f97 w6e hdb\"><div class=\"t m2 x19b hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">945</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x404 y3f97 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">306</span> <span class=\"lsab wscb\">226</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f98 w13b hdb\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f98 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">574</span> <span class=\"lsab wscb\">896</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3f98 w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">574</span> <span class=\"lsab wscb\">896</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f99 w13b hda\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f99 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">159</span> <span class=\"lsab wscb\">853</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3f99 w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">583</span> </div></td><td class=\"c x45b y3f99 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">115</span> <span class=\"lsab wscb\">146</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f99 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">116</span> <span class=\"lsab wscb\">729</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f99 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">43</span> <span class=\"lsab wscb\">124</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f9a w13b hde\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9a w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">273</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3f9a w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">273</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hcc y2427 ff160 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3f9c w13b h15c\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x458 y3f9c w6e h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">314</span> <span class=\"lsab wscb\">74<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x459 y3f9c w6e h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">54<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x45a y3f9c w6f h15c\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">529</span> <span class=\"lsab wscb\">500</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f9c w6e h15c\"><div class=\"t m2 x20f hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">448</span> <span class=\"lsab wscb\">408</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f9c w6e h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">223</span> <span class=\"lsab wscb\">45<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x404 y3f9c w6f h15c\"><div class=\"t m2 x19b hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">091</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x400 y3f9d w13b hdd\"><div class=\"t m2 x19f hcc y1da9 ff160 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9d w6e hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">797</span> </div></td><td class=\"c x459 y3f9d w6e hdd\"><div class=\"t m2 x134 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45a y3f9d w6f hdd\"><div class=\"t m2 x1e3 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x45b y3f9d w6e hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">422</span> </div></td><td class=\"c x45c y3f9d w6e hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">440</span> </div></td><td class=\"c x404 y3f9d w6f hdd\"><div class=\"t m2 x2d7 hcc y1da9 ff160 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">357</span> </div></td></tr><tr><td class=\"c x400 y3f9e w13b hdb\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">760</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">174</span> <span class=\"lsab wscb\">458</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3f9e w6f hdb\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">45</span> <span class=\"lsab wscb\">941</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">112</span> <span class=\"lsab wscb\">209</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f9e w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">332</span> <span class=\"lsab wscb\">607</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f9e w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">427</span> <span class=\"lsab wscb\">578</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3f9f w13b hdb\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3f9f w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">459</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3f9f w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">574</span> </div></td><td class=\"c x45a y3f9f w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">326</span> </div></td><td class=\"c x45b y3f9f w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">997</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3f9f w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">897</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3f9f w6f hdb\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">106</span> <span class=\"lsab wscb\">562</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hcc y242c ff160 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fa0 w13b h15d\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x458 y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">899</span> <span class=\"lsab wscb\">441</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">180</span> <span class=\"lsab wscb\">034</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3fa0 w6f h15d\"><div class=\"t m2 x19e hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">50</span> <span class=\"lsab wscb\">282</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">628</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa0 w6e h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">361</span> <span class=\"lsab wscb\">943</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fa0 w6f h15d\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">537</span> <span class=\"lsab wscb\">497</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa1 w13b hd9\"><div class=\"t m2 x19f hcc y1db0 ff160 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa1 w6e hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">214</span> <span class=\"lsab wscb\">18<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x459 y3fa1 w6e hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">425</span> <span class=\"lsab wscb\">58<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x45a y3fa1 w6f hd9\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">579</span> <span class=\"lsab wscb\">782</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa1 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">580</span> <span class=\"lsab wscb\">036</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa1 w6e hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">585</span> <span class=\"lsab wscb\">39<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x404 y3fa1 w6f hd9\"><div class=\"t m2 x19b hcc y1db0 ff160 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">628</span> <span class=\"lsab wscb\">78<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x400 y3fa2 w13b h11d\"><div class=\"t m2 x19f hd8 y2432 ff162 fs53 fc21 sc0 lsab wscd\">Herav gj<span class=\"_ _5\"></span>enstan<span class=\"_ _5\"></span>d for <span class=\"_ _5\"></span>forven<span class=\"_ _5\"></span>tet kr<span class=\"_ _5\"></span>edittap:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fa3 w13b h122\"><div class=\"t m2 x19f hd8 y200f ff162 fs53 fc21 sc0 lsab wsd0\">Fordring<span class=\"_ _5\"></span>er p\u00e5 sentr<span class=\"_ _5\"></span>albanke<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa3 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">147</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3fa3 w6f h122\"><div class=\"t m2 x2d7 hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x45c y3fa3 w6e h122\"><div class=\"t m2 x2d7 hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">096</span> </div></td><td class=\"c x404 y3fa3 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">143</span> <span class=\"lsab wscb\">546</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa4 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa4 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">165</span> <span class=\"lsab wscb\">563</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45a y3fa4 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">196</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa4 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">146</span> </div></td><td class=\"c x45c y3fa4 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">157</span> <span class=\"lsab wscb\">342</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fa4 w6f h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">221</span> </div></td></tr><tr><td class=\"c x400 y3fa5 w13b h122\"><div class=\"t m2 x19f hd8 y200f ff162 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa5 w6e h122\"><div class=\"t m2 x19b hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x459 y3fa5 w6e h122\"><div class=\"t m2 x19b hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">193</span> <span class=\"lsab wscb\">48<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x45a y3fa5 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">366</span> <span class=\"lsab wscb\">486</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa5 w6e h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">333</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa5 w6e h122\"><div class=\"t m2 x19b hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">893</span> <span class=\"lsab wscb\">03<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x404 y3fa5 w6f h122\"><div class=\"t m2 x20f hd8 y200f ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">305</span> <span class=\"lsab wscb\">051</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa6 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa6 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">290</span> <span class=\"lsab wscb\">733</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td></td><td></td><td class=\"c x404 y3fa6 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">290</span> <span class=\"lsab wscb\">733</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y2436 ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fa7 w13b h15d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x458 y3fa7 w6e h15d\"><div class=\"t m2 x19b hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">802</span> <span class=\"lsab wscb\">01<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x459 y3fa7 w6e h15d\"><div class=\"t m2 x19b hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">193</span> <span class=\"lsab wscb\">48<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x45a y3fa7 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">527</span> <span class=\"lsab wscb\">778</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa7 w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">333</span> <span class=\"lsab wscb\">208</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa7 w6e h15d\"><div class=\"t m2 x19b hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">054</span> <span class=\"lsab wscb\">46<span class=\"_ _5\"></span>8</span> </div></td><td class=\"c x404 y3fa7 w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">747</span> <span class=\"lsab wscb\">551</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fa8 w13b h13e\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa8 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">797</span> </div></td><td class=\"c x459 y3fa8 w6e h13e\"><div class=\"t m2 x134 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45a y3fa8 w6f h13e\"><div class=\"t m2 x1e3 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x45b y3fa8 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">422</span> </div></td><td class=\"c x45c y3fa8 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">440</span> </div></td><td class=\"c x404 y3fa8 w6f h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">357</span> </div></td></tr><tr><td class=\"c x400 y3fa9 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">760</span> <span class=\"lsab wscb\">185</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">174</span> <span class=\"lsab wscb\">458</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3fa9 w6f h11d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">45</span> <span class=\"lsab wscb\">941</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">112</span> <span class=\"lsab wscb\">209</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fa9 w6e h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">332</span> <span class=\"lsab wscb\">607</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fa9 w6f h11d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">427</span> <span class=\"lsab wscb\">578</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3faa w13b h15b\"><div class=\"t m2 x19f hd8 y1da9 ff162 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3faa w6e h15b\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">459</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3faa w6e h15b\"><div class=\"t m2 x2d7 hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">574</span> </div></td><td class=\"c x45a y3faa w6f h15b\"><div class=\"t m2 x2d7 hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">326</span> </div></td><td class=\"c x45b y3faa w6e h15b\"><div class=\"t m2 x19e hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">997</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3faa w6e h15b\"><div class=\"t m2 x19e hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">897</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3faa w6f h15b\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">106</span> <span class=\"lsab wscb\">562</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y243b ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fab w13b h15d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x458 y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">899</span> <span class=\"lsab wscb\">441</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">180</span> <span class=\"lsab wscb\">034</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45a y3fab w6f h15d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">50</span> <span class=\"lsab wscb\">282</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">131</span> <span class=\"lsab wscb\">628</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fab w6e h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">361</span> <span class=\"lsab wscb\">943</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fab w6f h15d\"><div class=\"t m2 x20f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">537</span> <span class=\"lsab wscb\">497</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y3fac w13b h142\"><div class=\"t m2 x19f hd8 y1da9 ff162 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fac w6e h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">701</span> <span class=\"lsab wscb\">45<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x459 y3fac w6e h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">373</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x45a y3fac w6f h142\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">578</span> <span class=\"lsab wscb\">059</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45b y3fac w6e h142\"><div class=\"t m2 x20f hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">464</span> <span class=\"lsab wscb\">836</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45c y3fac w6e h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">416</span> <span class=\"lsab wscb\">41<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x404 y3fac w6f h142\"><div class=\"t m2 x19b hd8 y1da9 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">285</span> <span class=\"lsab wscb\">04<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\"><div class=\"t m2 x1b8 hd8 y2441 ff162 fs53 fc21 sc0 lsab wscd\">Herav g<span class=\"_ _5\"></span>ruppe 3:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fad w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fad w6e h11d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">199</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fad w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">304</span> </div></td><td class=\"c x45a y3fad w6f h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">441</span> </div></td><td class=\"c x45b y3fad w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">875</span> </div></td><td class=\"c x45c y3fad w6e h11d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">620</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fad w6f h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">579</span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y2444 ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fae w13b h15d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscd\">i balans<span class=\"_ _5\"></span>en</span> </div></td><td class=\"c x458 y3fae w6e h15d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">199</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fae w6e h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">304</span> </div></td><td class=\"c x45a y3fae w6f h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">441</span> </div></td><td class=\"c x45b y3fae w6e h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">875</span> </div></td><td class=\"c x45c y3fae w6e h15d\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">620</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fae w6f h15d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">579</span> </div></td></tr><tr><td class=\"c x400 y3faf w13b h142\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fb0 w13b h122\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Udispone<span class=\"_ _5\"></span>rte kr<span class=\"_ _5\"></span>edittr<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er og tilb<span class=\"_ _5\"></span>ud<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fb0 w6e h122\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">987</span> </div></td><td class=\"c x459 y3fb0 w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">229</span> </div></td><td class=\"c x45a y3fb0 w6f h122\"><div class=\"t m2 x134 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td class=\"c x45b y3fb0 w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">740</span> </div></td><td class=\"c x45c y3fb0 w6e h122\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">969</span> </div></td><td class=\"c x404 y3fb0 w6f h122\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">018</span> </div></td></tr><tr><td class=\"c x400 y3fb1 w13b h11d\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscd\">Andre f<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fb1 w6e h11d\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">037</span> </div></td><td class=\"c x459 y3fb1 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">131</span> </div></td><td class=\"c x45a y3fb1 w6f h11d\"><div class=\"t m2 x1e3 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">11</span> </div></td><td class=\"c x45b y3fb1 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">120</span> </div></td><td class=\"c x45c y3fb1 w6e h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">263</span> </div></td><td class=\"c x404 y3fb1 w6f h11d\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">774</span> </div></td></tr><tr><td class=\"c x40d y3f9b w73 h163\" colspan=\"2\"><div class=\"t m2 x1b8 hd8 y2449 ff162 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>aksimal<span class=\"_ _5\"></span> ekspo<span class=\"_ _5\"></span>nering f<span class=\"_ _5\"></span>or kre<span class=\"_ _5\"></span>dittri<span class=\"_ _5\"></span>siko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y3fb2 w13b h157\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsa9 ws87\">uten<span class=\"_ _1\"></span>for ba<span class=\"_ _1\"></span>lansen<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x458 y3fb2 w6e h157\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">025</span> </div></td><td class=\"c x459 y3fb2 w6e h157\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">361</span> </div></td><td class=\"c x45a y3fb2 w6f h157\"><div class=\"t m2 x1e3 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">11</span> </div></td><td class=\"c x45b y3fb2 w6e h157\"><div class=\"t m2 x1b5 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">860</span> </div></td><td class=\"c x45c y3fb2 w6e h157\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">232</span> </div></td><td class=\"c x404 y3fb2 w6f h157\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">793</span> </div></td></tr><tr><td class=\"c x400 y3fb3 w13b h13e\"><div class=\"t m2 x19f hd8 y1db0 ff162 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x458 y3fb3 w6e h13e\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">21</span> <span class=\"lsab wscb\">224</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x459 y3fb3 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">665</span> </div></td><td class=\"c x45a y3fb3 w6f h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">452</span> </div></td><td class=\"c x45b y3fb3 w6e h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">735</span> </div></td><td class=\"c x45c y3fb3 w6e h13e\"><div class=\"t m2 x19e hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">852</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x404 y3fb3 w6f h13e\"><div class=\"t m2 x2d7 hd8 y1db0 ff162 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">372</span> </div></td></tr><tr><td class=\"c x3f6 y3fb7 w315 h4cd\"><div class=\"t m2 x3f4 hd8 y3fb4 ff162 fs53 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y3fb5 ff160 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3fb6 ff160 fs55 fc21 sc0 lsaf wsf6\">Det er ikke innregnet tapsavsetni<span class=\"_ _5\"></span>ng for finansielle eiendeler p\u00e5 <span class=\"ls0 ws0\">3,9 </span>milliarder kroner i gruppe 3 p\u00e5 grunn av sikkerhetsstill<span class=\"_ _5\"></span>elsen.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x410 y3e64 w316 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff162 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Fra o<span class=\"_ _5\"></span>g med<span class=\"_ _5\"></span> 2025 er<span class=\"_ _5\"></span> tall<span class=\"_ _5\"></span>ene i t<span class=\"_ _5\"></span>abellen <span class=\"_ _5\"></span>som<span class=\"_ _5\"></span> viser s<span class=\"_ _5\"></span>ikkerh<span class=\"_ _5\"></span>et i ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rer o<span class=\"_ _5\"></span>ppdat<span class=\"_ _5\"></span>ert. Tall<span class=\"_ _5\"></span> for ti<span class=\"_ _5\"></span>dligere <span class=\"_ _5\"></span>perio<span class=\"_ _5\"></span>der er j<span class=\"_ _5\"></span>uster<span class=\"_ _5\"></span>t ti<span class=\"wscb\">lsvar<span class=\"_ _5\"></span>ende.</span></span> </div></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-424": {
   "value": "Note K8 K<span class=\"_ _1\"></span>reditteksponering per risik<span class=\"_ _2\"></span>oklasse<span class=\"_ _1c5\"> </span>Tabellen under viser utl\u00e5n til k<span class=\"_ _5\"></span>under og finansielle garantier og utrukne rammer til kunder per risikokl<span class=\"_ _5\"></span>asse. Fordelingen mellom risikoklasser er basert p\u00e5 IRB PD som vist i tabellen DNBs risikoklassifiseri<span class=\"_ _5\"></span>ng i note<span class=\"ls0 ws0\"> K5</span>. Se ogs\u00e5 avsnittet Sannsynlighet for mislighol<span class=\"_ _5\"></span>d (PD) i note <span class=\"ls0 ws0\">K6 <span class=\"_ _1\"></span><span class=\"lsc1 wsce\">for </span></span>beskrivelse av sammenhengen mellom IRB PD og IFRS PD. Bel\u00f8pene er brutto bokf\u00f8rt verdi og maksimal eksponering f\u00f8r nedsk<span class=\"_ _5\"></span>rivni<span class=\"wscf\">nger.<span class=\"ls0 ws0\"> </span></span><table class=\"s w317 h4ce\" id=\"_c5949899-c07d-4d75-893d-d0b5951697db\"><tr><td class=\"c x45e y3fb8 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff164 fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x45f y3fb9 w6e hd7\"><div class=\"t m2 x20c hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y3fba w13d hd7\"><div class=\"t m2 x19f hd8 y1dae ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fba w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fba w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fba w6f hd7\"><div class=\"t m2 x209 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fba w6e hd7\"><div class=\"t m2 xd9 hcc y1dae ff163 fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fba w6e hd7\"><div class=\"t m2 x248 hcc y1dae ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fbb w13d hd9\"><div class=\"t m2 x19f hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fbc w13d hda\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fbc w6e hda\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">746</span> <span class=\"lsab wscb\">66<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x461 y3fbc w6e hda\"><div class=\"t m2 x2d7 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">271</span> </div></td><td></td><td class=\"c x45f y3fbc w6e hda\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">685</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fbc w6e hda\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">789</span> <span class=\"lsab wscb\">62<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x45e y3fbd w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fbd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">429</span> <span class=\"lsab wscb\">197</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fbd w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">66</span> <span class=\"lsab wscb\">671</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fbd w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 9 <span class=\"lsab wscb\">945</span> </div></td><td class=\"c x463 y3fbd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">505</span> <span class=\"lsab wscb\">812</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fbe w13d hdb\"><div class=\"t m2 x163 hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fbe w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">41</span> <span class=\"lsab wscb\">302</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fbe w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">49</span> <span class=\"lsab wscb\">528</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fbe w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">485</span> </div></td><td class=\"c x463 y3fbe w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">92</span> <span class=\"lsab wscb\">314</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fbf w13d hde\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fbf w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">922</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fbf w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x463 y3fbf w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">004</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc0 w13d hdd\"><div class=\"t m2 x19f hcc y1da9 ff163 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fc0 w6e hdd\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">217</span> <span class=\"lsab wscb\">16<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x461 y3fc0 w6e hdd\"><div class=\"t m2 x20f hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">124</span> <span class=\"lsab wscb\">470</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fc0 w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">922</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fc0 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc0 w6e hdd\"><div class=\"t m2 x19b hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">410</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>0</span> </div></td></tr></table><table class=\"s w317 h4cf\" id=\"_e2ae60b4-1fcd-49a3-b95e-8f94381407d3\"><tr><td class=\"c x45e y3fc1 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff164 fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x45f y3fc2 w6e hd7\"><div class=\"t m2 x20c hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y3fc3 w13d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fc3 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fc3 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fc3 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fc3 w6e hd7\"><div class=\"t m2 xd9 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fc3 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fc4 w13d hd9\"><div class=\"t m2 x19f hcc y1dc1 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fc5 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fc5 w6e hdb\"><div class=\"t m2 x19b hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">636</span> <span class=\"lsab wscb\">12<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x461 y3fc5 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">578</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fc5 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">42</span> <span class=\"lsab wscb\">755</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc5 w6e hdb\"><div class=\"t m2 x19b hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">695</span> <span class=\"lsab wscb\">45<span class=\"_ _5\"></span>9</span> </div></td></tr><tr><td class=\"c x45e y3fc6 w13d hda\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fc6 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">388</span> <span class=\"lsab wscb\">746</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fc6 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">73</span> <span class=\"lsab wscb\">306</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fc6 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">10</span> <span class=\"lsab wscb\">171</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc6 w6e hda\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">472</span> <span class=\"lsab wscb\">223</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc7 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fc7 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">30</span> <span class=\"lsab wscb\">650</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fc7 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">35</span> <span class=\"lsab wscb\">994</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x45f y3fc7 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">409</span> </div></td><td class=\"c x463 y3fc7 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">67</span> <span class=\"lsab wscb\">053</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc8 w13d hde\"><div class=\"t m2 x163 hcc y1dc1 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fc8 w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">806</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fc8 w6e hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">96</span> </div></td><td class=\"c x463 y3fc8 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">901</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fc9 w13d hd9\"><div class=\"t m2 x19f hcc y1dae ff163 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fc9 w6e hd9\"><div class=\"t m2 x19b hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">055</span> <span class=\"lsab wscb\">52<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x461 y3fc9 w6e hd9\"><div class=\"t m2 x20f hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">125</span> <span class=\"lsab wscb\">877</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fc9 w6f hd9\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">23</span> <span class=\"lsab wscb\">806</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x45f y3fc9 w6e hd9\"><div class=\"t m2 x19e hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x463 y3fc9 w6e hd9\"><div class=\"t m2 x19b hcc y1dae ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">258</span> <span class=\"lsab wscb\">63<span class=\"_ _5\"></span>7</span> </div></td></tr></table><table class=\"s w317 h4d0\" id=\"_c53b5714-5ed1-4222-a687-c2307f13b909\"><tr><td class=\"c x45e y3fca w13c h136\"><div class=\"t m2 x19f hd1 y2036 ff164 fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fcb w13d hd7\"><div class=\"t m2 x19f hd8 y1da9 ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fcb w6e hd7\"><div class=\"t m2 x209 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fcb w6e hd7\"><div class=\"t m2 x209 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fcb w6f hd7\"><div class=\"t m2 x209 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fcb w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fcc w13d hd9\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fcd w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fcd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">745</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fcd w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">442</span> </div></td><td></td><td class=\"c x463 y3fcd w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">749</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fce w13d hde\"><div class=\"t m2 x163 hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fce w6e hde\"><div class=\"t m2 x20f hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">251</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fce w6e hde\"><div class=\"t m2 x19e hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x463 y3fce w6e hde\"><div class=\"t m2 x20f hcc y2401 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">132</span> <span class=\"lsab wscb\">959</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fcf w13d hda\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fcf w6e hda\"><div class=\"t m2 x2d7 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">726</span> </div></td><td class=\"c x461 y3fcf w6e hda\"><div class=\"t m2 x2d7 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">670</span> </div></td><td></td><td class=\"c x463 y3fcf w6e hda\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">396</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd0 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fd0 w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td><td class=\"c x463 y3fd0 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td></tr><tr><td class=\"c x45e y3fd1 w13d hd9\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fd1 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">869</span> <span class=\"lsab wscb\">598</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd1 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fd1 w6f hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">051</span> </div></td><td class=\"c x463 y3fd1 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">898</span> <span class=\"lsab wscb\">468</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table><table class=\"s w317 h4d0\" id=\"_17c29661-2aa8-4efc-b0d3-764dd9315dd4\"><tr><td class=\"c x45e y3fd2 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff164 fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fd3 w13d hd7\"><div class=\"t m2 x19f hd8 y200f ff165 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fd3 w6e hd7\"><div class=\"t m2 x209 hcc y200f ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y3fd3 w6e hd7\"><div class=\"t m2 x209 hcc y200f ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y3fd3 w6f hd7\"><div class=\"t m2 x209 hcc y200f ff163 fs53 fc21 sc0 lsab wscd\">Gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fd3 w6e hd7\"><div class=\"t m2 x248 hcc y200f ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fd4 w13d hdd\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscd\">Risikokl<span class=\"_ _5\"></span>asse <span class=\"_ _5\"></span>basert p<span class=\"_ _5\"></span>\u00e5 sann<span class=\"_ _5\"></span>synlig<span class=\"_ _5\"></span>het fo<span class=\"_ _5\"></span>r misli<span class=\"_ _5\"></span>ghold<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y3fd5 w13d hdb\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\">1-4 </div></td><td class=\"c x460 y3fd5 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">684</span> <span class=\"lsab wscb\">092</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd5 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">575</span> </div></td><td></td><td class=\"c x463 y3fd5 w6e hdb\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">692</span> <span class=\"lsab wscb\">667</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd6 w13d hde\"><div class=\"t m2 x163 hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\">5-7 </div></td><td class=\"c x460 y3fd6 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">118</span> <span class=\"lsab wscb\">181</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd6 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">218</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x463 y3fd6 w6e hde\"><div class=\"t m2 x20f hcc y1da9 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">135</span> <span class=\"lsab wscb\">398</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd7 w13d hdb\"><div class=\"t m2 x163 hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\">8-<span class=\"lsa9 wsca\">10</span> </div></td><td class=\"c x460 y3fd7 w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">929</span> </div></td><td class=\"c x461 y3fd7 w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">018</span> </div></td><td></td><td class=\"c x463 y3fd7 w6e hdb\"><div class=\"t m2 x19e hcc y200f ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">947</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y3fd8 w13d hda\"><div class=\"t m2 x163 hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>orringe<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x462 y3fd8 w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td><td class=\"c x463 y3fd8 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td></tr><tr><td class=\"c x45e y3fd9 w13d hd9\"><div class=\"t m2 x19f hcc y1db0 ff163 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y3fd9 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">811</span> <span class=\"lsab wscb\">201</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x461 y3fd9 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">811</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y3fd9 w6f hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">223</span> </div></td><td class=\"c x463 y3fd9 w6e hd9\"><div class=\"t m2 x20f hcc y1db0 ff163 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">848</span> <span class=\"lsab wscb\">235</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-437": {
   "value": "Note K11 Utvikling i akkumulerte nedskrivninger a<span class=\"_ _1\"></span>v finansielle instrumenter<span class=\"_ _1c5\"> </span>Tabellen under avst<span class=\"_ _5\"></span>emmer inng\u00e5ende mot utg\u00e5ende balanse for akkumulerte nedskrivninger p\u00e5 utl\u00e5n til kunder til amort<span class=\"_ _5\"></span>isert kos<span class=\"wsd2\">t og fi<span class=\"_ _5\"></span>nansielle </span>garantier og utruk<span class=\"_ _5\"></span>ne rammer. Avstemmingspostene inkluderer f\u00f8l<span class=\"_ _5\"></span>gende:<span class=\"ls0 ws0\"> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Ov<span class=\"_ _5\"></span>erf\u00f8ringer mellom grupper som f\u00f8lge av vesentlig endring i kreditt<span class=\"_ _5\"></span>risiko. Overf\u00f8ringen antas \u00e5 skje f\u00f8r den etterf\u00f8lgende n</span>y<span class=\"lsaf wscf\">e m\u00e5li<span class=\"_ _5\"></span>ngen </span></span>av avsetningen.<span class=\"ls0 ws0\"> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger som skyldes overf\u00f8ring mellom 12</span>-<span class=\"lsaf wsf6\">m\u00e5neders<span class=\"_ _5\"></span> forventet kredittap i gruppe 1 og forventet kredittap i levetiden i gruppene 2 og 3. </span> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger i avsetning som skyldes opprettelse av nye finans<span class=\"_ _5\"></span>ielle instrumenter i l\u00f8pet av perioden.</span> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">\u00d8k<span class=\"_ _5\"></span>ninger og nedganger i forventet kredittap som f\u00f8lge av endringer i parametre og forutset<span class=\"_ _5\"></span>ninger, inkludert makroframskrivni<span class=\"_ _5\"></span>n<span class=\"wsd2\">ger, i til<span class=\"_ _5\"></span>legg </span></span></span>til effekt<span class=\"_ _5\"></span>en av delvis tilbakebetaling p\u00e5 eksisterende fas<span class=\"_ _5\"></span>iliteter og tilbakef\u00f8ring av tidsverdien av diskontert<span class=\"_ _5\"></span>e ve<span class=\"wsd2\">rdier grunnet t<span class=\"_ _5\"></span>idsforl\u00f8p.<span class=\"ls0 ws0\"> </span></span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Endri<span class=\"_ _5\"></span>nger i avsetning som skyldes fraregning av fi<span class=\"_ _5\"></span>nansielle garantier og utrukne rammer i l\u00f8pet av perioden.</span> </span><span class=\"ff17c\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Konst<span class=\"_ _5\"></span>ateringer, valut<span class=\"_ _5\"></span>akursendringer og andre endringer som p\u00e5virker det forventede kreditt<span class=\"_ _5\"></span>apet.</span> </span><table class=\"s w320 h4d6\" id=\"_4dae6694-7728-4598-a528-bb245c2b88ad\"><tr><td class=\"c x3db y4011 w13c h139\"><div class=\"t m2 x19f hd1 y1fa6 ff17b fs55 fc21 sc0 lsc1 ws116\">Utl\u00e5n til amor<span class=\"_ _5\"></span>tisert kost<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y4012 w152 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff17e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4012 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4012 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4012 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4012 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4013 w152 hdd\"><div class=\"t m2 x19f hdc y1da9 ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4013 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(680)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4013 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(834)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4013 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">261</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4013 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">775</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4014 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4014 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(468)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4014 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">438</span> </div></td><td class=\"c x3dd y4014 w6f hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">30</span> </div></td><td></td></tr><tr><td class=\"c x3db y4015 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4015 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">111</span> </div></td><td class=\"c x436 y4015 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(134)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4015 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td></td></tr><tr><td class=\"c x3db y4016 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4016 w6e hda\"><div class=\"t m2 x134 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td class=\"c x436 y4016 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">102</span> </div></td><td class=\"c x3dd y4016 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(107)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4017 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff17c fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(435)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(143)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4017 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff17c fs53 fc21 sc0 lsab wscb\">(578)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4018 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4018 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(290)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4018 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(855)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4018 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">715</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4018 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">860</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4019 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4019 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">933</span> </div></td><td class=\"c x436 y4019 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">454</span> </div></td><td class=\"c x3dd y4019 w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">925</span> </div></td><td class=\"c x3de y4019 w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">311</span> </div></td></tr><tr><td class=\"c x3db y401a w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y401a w6f hda\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">370</span> </div></td><td class=\"c x3de y401a w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">370</span> </div></td></tr><tr><td class=\"c x3db y401b w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401b w6e hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">51</span> </div></td><td class=\"c x436 y401b w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">238</span> </div></td><td class=\"c x3dd y401b w6f hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">158</span> </div></td><td class=\"c x3de y401b w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">447</span> </div></td></tr><tr><td class=\"c x3db y401c w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401c w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401c w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401c w6f hdb\"><div class=\"t m2 x249 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y401c w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff17c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y401d w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401d w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff17b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401d w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff17b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401d w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff17b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y401d w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">124</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y401e w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401e w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(424)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y401e w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">407</span> </div></td><td class=\"c x3dd y401e w6f hda\"><div class=\"t m2 x1e3 hcc y1db0 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td></td></tr><tr><td class=\"c x3db y401f w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y401f w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">151</span> </div></td><td class=\"c x436 y401f w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">(183)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y401f w6f hde\"><div class=\"t m2 x1e3 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">33</span> </div></td><td></td></tr><tr><td class=\"c x3db y4020 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4020 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td class=\"c x436 y4020 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">91</span> </div></td><td class=\"c x3dd y4020 w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(101)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4021 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(304)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(130)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4021 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">(434)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4022 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4022 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(287)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4022 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">(879)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4022 w6f hda\"><div class=\"t m2 x19e hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">024</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4022 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">190</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4023 w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4023 w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">882</span> </div></td><td class=\"c x436 y4023 w6e hde\"><div class=\"t m2 x1b5 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">317</span> </div></td><td class=\"c x3dd y4023 w6f hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">722</span> </div></td><td class=\"c x3de y4023 w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff17c fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">921</span> </div></td></tr><tr><td class=\"c x3db y4024 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Konstate<span class=\"_ _5\"></span>ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y4024 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">234</span> </div></td><td class=\"c x3de y4024 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">234</span> </div></td></tr><tr><td class=\"c x3db y4025 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff17c fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4025 w6e hdb\"><div class=\"t m2 x1e3 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x436 y4025 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">210</span> </div></td><td class=\"c x3dd y4025 w6f hdb\"><div class=\"t m2 x134 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x3de y4025 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff17c fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">234</span> </div></td></tr><tr><td class=\"c x3db y4026 w152 hda\"><div class=\"t m2 x19f hcc y1db0 ff17c fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4026 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3de y4026 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff17c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4027 w152 hde\"><div class=\"t m2 x19f hcc y1dc1 ff17c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4027 w6e hde\"><div class=\"t m2 xf9 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4027 w6e hde\"><div class=\"t m2 xf9 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4027 w6f hde\"><div class=\"t m2 x249 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4027 w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff17c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4028 w152 hdd\"><div class=\"t m2 x19f hdc y1da9 ff17b fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4028 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4028 w6e hdd\"><div class=\"t m2 x1b8 hdc y1da9 ff17b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4028 w6f hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4028 w6e hdd\"><div class=\"t m2 x19e hdc y1da9 ff17b fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">410</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w321 h4d7\" id=\"_7a72e099-1e8d-4cd6-bf6e-8ed01e7bb3af\"><tr><td class=\"c x45e y4029 w149 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff181 fs55 fc21 sc0 lsae wsce\">Finansielle <span class=\"_ _1\"></span>garantier o<span class=\"_ _1\"></span>g utrukne<span class=\"_ _1\"></span> rammer<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y402a w13d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff182 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402a w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402a w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402a w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y402a w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff180 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y402b w13d hd9\"><div class=\"t m2 x19f hdc y1dae ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 1<span class=\"_ _5\"></span>. jan<span class=\"_ _5\"></span>uar 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(245)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402b w6f hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(205)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y402b w6e hd9\"><div class=\"t m2 x1b8 hdc y1dae ff181 fs53 fc21 sc0 lsab wscb\">(679)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y402c w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402c w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(124)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402c w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">122</span> </div></td><td class=\"c x45f y402c w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff180 fs53 fc21 sc0 ls0 ws0\"> 2 </div></td><td></td></tr><tr><td class=\"c x45e y402d w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402d w6e hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y402d w6f hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y402d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td></tr><tr><td class=\"c x45e y402e w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y402e w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">13</span> </div></td><td class=\"c x45f y402e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff180 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y402f w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y402f w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">(252)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y402f w6f hdb\"><div class=\"t m2 x249 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(32)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y402f w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4030 w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4030 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(66)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4030 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(158)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4030 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(819)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4030 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">043</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4031 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4031 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">383</span> </div></td><td class=\"c x462 y4031 w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">89</span> </div></td><td class=\"c x45f y4031 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">751</span> </div></td><td class=\"c x463 y4031 w6e hda\"><div class=\"t m2 x2d7 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">223</span> </div></td></tr><tr><td class=\"c x45e y4032 w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4032 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td><td class=\"c x462 y4032 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">52</span> </div></td><td class=\"c x45f y4032 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">83</span> </div></td><td class=\"c x463 y4032 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">149</span> </div></td></tr><tr><td class=\"c x45e y4033 w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4033 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4033 w6f hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4033 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4034 w13d hd9\"><div class=\"t m2 x19f hdc y1da9 ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4034 w6f hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4034 w6e hd9\"><div class=\"t m2 x1b8 hdc y1da9 ff181 fs53 fc21 sc0 lsab wscb\">(642)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4035 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 1<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4035 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4035 w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">70</span> </div></td><td class=\"c x45f y4035 w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 8 </div></td><td></td></tr><tr><td class=\"c x45e y4036 w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4036 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y4036 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff180 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4036 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">42</span> </div></td><td></td></tr><tr><td class=\"c x45e y4037 w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>grupp<span class=\"_ _5\"></span>e 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4037 w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 6 </div></td><td class=\"c x462 y4037 w6f hdb\"><div class=\"t m2 x1e3 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">13</span> </div></td><td class=\"c x45f y4037 w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff180 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4038 w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscd\">Oppret<span class=\"_ _5\"></span>tede og kj<span class=\"_ _5\"></span>\u00f8pte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4038 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4038 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(107)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4038 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">(277)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4039 w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscd\">\u00d8kt forv<span class=\"_ _5\"></span>entet k<span class=\"_ _5\"></span>reditta<span class=\"_ _5\"></span>p <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4039 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(62)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4039 w6f hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4039 w6e hda\"><div class=\"t m2 x249 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(70)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4039 w6e hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">(301)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y403a w13d hdb\"><div class=\"t m2 x19f hcc y1db0 ff180 fs53 fc21 sc0 lsab wscd\">Reduse<span class=\"_ _5\"></span>rt (rev<span class=\"_ _5\"></span>ersert) f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>et kre<span class=\"_ _5\"></span>dittap <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">316</span> </div></td><td class=\"c x462 y403a w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">120</span> </div></td><td class=\"c x45f y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">173</span> </div></td><td class=\"c x463 y403a w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">609</span> </div></td></tr><tr><td class=\"c x45e y403b w13d hdb\"><div class=\"t m2 x19f hcc y1dae ff180 fs53 fc21 sc0 lsab wscb\">Fraregni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403b w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x462 y403b w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">110</span> </div></td><td class=\"c x45f y403b w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x463 y403b w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff180 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">111</span> </div></td></tr><tr><td class=\"c x45e y403c w13d hde\"><div class=\"t m2 x19f hcc y1da9 ff180 fs53 fc21 sc0 lsab wscb\">Oppkj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403c w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x463 y403c w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y403d w13d hda\"><div class=\"t m2 x19f hcc y1dc1 ff180 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x462 y403d w6f hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x45f y403d w6e hda\"><div class=\"t m2 xf9 hcc y1dc1 ff180 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y403d w6e hda\"><div class=\"t m2 x134 hcc y1dc1 ff180 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td></tr><tr><td class=\"c x45e y403e w13d hdd\"><div class=\"t m2 x19f hdc y1db0 ff181 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>erte n<span class=\"_ _5\"></span>edskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>sember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y403e w6e hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y403e w6f hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y403e w6e hdd\"><div class=\"t m2 x249 hdc y1db0 ff181 fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y403e w6e hdd\"><div class=\"t m2 x1b8 hdc y1db0 ff181 fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td></tr></table>For forklarende komment<span class=\"_ _5\"></span>arer om nedskrivninger p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er, se \u00c5rsberetningen <span class=\"ls0 ws0\">\u2013 </span>generelle opplysninger.<span class=\"_ _1c5\"> </span>Mesteparten av deriv<span class=\"_ _5\"></span>attransaksjonene i DNB relaterer seg til kundehandel, hvil<span class=\"_ _5\"></span>ket inneb\u00e6rer at DNB tilrettelegger for at kund<span class=\"wsd2\">er kan <span class=\"_ _5\"></span>overf\u00f8re, </span>modifisere,<span class=\"_ _5\"></span> ta eller redusere n\u00e5v\u00e6rende eller forventet risiko. Deriv<span class=\"_ _5\"></span>ater brukes ogs\u00e5 til \u00e5 sikre valuta<span class=\"ls0 ws0\">- </span>og renterisiko som oppst\u00e5r i forbindelse med finansiering og l\u00e5ngiv<span class=\"_ _5\"></span>ning. I tillegg bedriver DNB Carnegie egenhandel med derivater og opptrer ogs\u00e5 som \u201cmarket maker\u201c. En \u201cmark<span class=\"_ _5\"></span>et maker\u201c er forpliktet t<span class=\"_ _5\"></span>il \u00e5 stille b\u00e5de salgs<span class=\"ls0 ws0\">- </span>og kj\u00f8pspriser med en maksimal forskjell <span class=\"wsd2\">mellom salgs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span>og kj\u00f8pskursen samt mi<span class=\"_ _5\"></span>nimum volum. E<span class=\"_ _5\"></span>n </span>\u201cmarket maker\u201c handler allti<span class=\"_ _5\"></span>d for egen regning. <span class=\"ls0 ws0\"> </span>DNB benytter et spekter av finansielle deri<span class=\"_ _5\"></span>vater b\u00e5de til trading og sikring. OTC<span class=\"ls0 ws0\">-</span>derivat<span class=\"_ _5\"></span>er (\u201cOver the counter\u201c) er kontrakter som akt\u00f8rene inng\u00e5r seg imellom utenf<span class=\"_ _5\"></span>or b\u00f8rs, der vilk\u00e5rene forhandles direkte med motpartene. OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater handles som regel un<span class=\"wsd2\">der standardiserte IS<span class=\"_ _5\"></span>DA<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>hovedavt<span class=\"_ _5\"></span>aler (International Swaps and Derivatives Association) m<span class=\"_ _5\"></span>ellom DNB og motpartene. B\u00f8rsomsatte derivater er derivatkont<span class=\"_ _5\"></span><span class=\"wsd2\">rakter med </span>standardis<span class=\"_ _5\"></span>erte vilk\u00e5r for bel\u00f8p og oppgj\u00f8rsdatoer, som kj\u00f8pes og selges p\u00e5 regulerte b\u00f8rser. <span class=\"ls0 ws0\"> </span><table class=\"s w328 h4dd\" id=\"_97e831f5-2c11-425a-a5fe-8aa67dab92f1\"><tr><td></td><td></td><td class=\"c x478 y40b4 we2 hd7\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x479 y40b4 w162 hd7\"><div class=\"t m2 x248 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x478 y40b5 wdd h13b\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b5 wdd h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47b y40b5 wdc h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b5 w15a h13b\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b5 wde h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47d y40b5 w128 h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x478 y40b6 wdd hd7\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b6 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47b y40b6 wdc hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x479 y40b6 w15a hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b6 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47d y40b6 w128 hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td></tr><tr><td class=\"c x3db y40b7 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1ab fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40b7 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b7 w15a hd7\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40b7 w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40b8 we4 hd9\"><div class=\"t m2 x19f hdc y2369 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter tradin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40b9 we4 hda\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Renterel<span class=\"_ _5\"></span>aterte<span class=\"_ _5\"></span> kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40ba we4 hde\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsb3 ws121\">FRA<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ba wdd hde\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">543</span> <span class=\"lsab wscb\">89<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40ba wdd hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">957<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ba wdc hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ba w15a hde\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">789</span> <span class=\"lsab wscb\">27<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40ba wde hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">658</span> </div></td><td class=\"c x47d y40ba w128 hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">713</span> </div></td></tr><tr><td class=\"c x3db y40bb we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bb wdd hdb\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">995</span> <span class=\"lsab wscb\">93<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47a y40bb wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>938<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bb wdc hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>859<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bb w15a hdb\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47c y40bb wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>270<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bb w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>233<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40bc we4 hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bc wdd hdb\"><div class=\"t m2 x1bc hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">244<span class=\"ls0 ws0\"> </span>421<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bc wdd hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">710</span> </div></td><td class=\"c x47b y40bc wdc hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">554</span> </div></td><td class=\"c x479 y40bc w15a hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>642<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bc wde hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">219</span> </div></td><td class=\"c x47d y40bc w128 hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">155</span> </div></td></tr><tr><td class=\"c x3db y40bd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>terela<span class=\"_ _5\"></span>terte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bd wdd h11f\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">784</span> <span class=\"lsab wscb\">25<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x47a y40bd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>606<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bd wdc h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">65<span class=\"ls0 ws0\"> </span>271<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bd w15a h11f\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">528</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47c y40bd wde h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">79<span class=\"ls0 ws0\"> </span>147<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bd w128 h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">76<span class=\"ls0 ws0\"> </span>102<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40be we4 hd9\"><div class=\"t m2 x163 hdc y1da9 ff1a9 fs53 fc21 sc0 lsab wscd\">Valutarel<span class=\"_ _5\"></span>ater<span class=\"_ _5\"></span>te kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40bf we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bf wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">103<span class=\"ls0 ws0\"> </span>558<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bf wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">237</span> </div></td><td class=\"c x47b y40bf wdc hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">104</span> </div></td><td class=\"c x479 y40bf w15a hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>748<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bf wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x47d y40bf w128 hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">837</span> </div></td></tr><tr><td class=\"c x3db y40c0 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c0 wdd hdb\"><div class=\"t m2 x242 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">201</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c0 wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>615<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c0 wdc hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c0 w15a hdb\"><div class=\"t m2 x28b hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">488</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40c0 wde hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>950<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c0 w128 hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>120<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>402<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40c1 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">875<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c1 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">714<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c1 w15a hda\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>776<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40c1 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">652<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c1 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum valut<span class=\"_ _5\"></span>arelat<span class=\"_ _5\"></span>erte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c2 wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">341</span> <span class=\"lsab wscb\">71<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>417<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c2 w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">620</span> <span class=\"lsab wscb\">94<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x47c y40c2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>079<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>369<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c3 we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Egenk<span class=\"_ _5\"></span>apitalr<span class=\"_ _5\"></span>elatert<span class=\"_ _5\"></span>e kontr<span class=\"_ _5\"></span>akter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40c4 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">413</span> </div></td><td class=\"c x47a y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">134</span> </div></td><td class=\"c x47b y40c4 wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x479 y40c4 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">250</span> </div></td><td class=\"c x47c y40c4 wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">247</span> </div></td><td class=\"c x47d y40c4 w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">205</span> </div></td></tr><tr><td class=\"c x3db y40c5 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c5 wdd hda\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">374</span> </div></td><td class=\"c x47a y40c5 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">554<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c5 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c5 w15a hda\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">148</span> </div></td><td class=\"c x47c y40c5 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">654<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c5 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">443<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c6 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum OT<span class=\"_ _5\"></span>C<span class=\"ls0 ws0\">-</span><span class=\"wscb\">deriv<span class=\"_ _5\"></span>ater</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x478 y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">787</span> </div></td><td class=\"c x47a y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">688</span> </div></td><td class=\"c x47b y40c6 wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">585</span> </div></td><td class=\"c x479 y40c6 w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x47c y40c6 wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">901</span> </div></td><td class=\"c x47d y40c6 w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">648</span> </div></td></tr><tr><td class=\"c x3db y40c7 we4 hd9\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Futures<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c7 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">951</span> </div></td><td class=\"c x47a y40c7 wdd hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47b y40c7 wdc hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x479 y40c7 w15a hd9\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">329</span> </div></td><td class=\"c x47c y40c7 wde hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47d y40c7 w128 hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x3db y40c8 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c8 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">820</span> </div></td><td class=\"c x47a y40c8 wdd hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c8 wdc hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c8 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">957</span> </div></td><td class=\"c x47c y40c8 wde hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c8 w128 hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c9 we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum b\u00f8<span class=\"_ _5\"></span>rsomsa<span class=\"_ _5\"></span>tte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c9 wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">771</span> </div></td><td class=\"c x47a y40c9 wdd h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c9 wdc h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c9 w15a h11f\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">285</span> </div></td><td class=\"c x47c y40c9 wde h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c9 w128 h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40ca we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ege<span class=\"_ _5\"></span>nkapit<span class=\"_ _5\"></span>alrelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ca wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40ca wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x47b y40ca wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x479 y40ca w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">683</span> </div></td><td class=\"c x47c y40ca wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">946</span> </div></td><td class=\"c x47d y40ca w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">694</span> </div></td></tr><tr><td class=\"c x3db y40cb we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Varerela<span class=\"_ _5\"></span>tert<span class=\"_ _5\"></span>e kontra<span class=\"_ _5\"></span>kter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40cc we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscd\">Swapper <span class=\"_ _5\"></span>og op<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cc wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cc wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cc wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cc w15a hdb\"><div class=\"t m2 x20a hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cc wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cc w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40cd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum var<span class=\"_ _5\"></span>erelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cd wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cd wdc h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cd w15a h11f\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cd wde h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cd w128 h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40ce we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater t<span class=\"_ _5\"></span>rading<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ce wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">228</span> <span class=\"lsab wscb\">82<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x47a y40ce wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ce wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ce w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">250</span> <span class=\"lsab wscb\">21<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x47c y40ce wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>528<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40ce w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40cf we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter sikri<span class=\"_ _5\"></span>ngsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d0 we4 hdb\"><div class=\"t m2 x163 hdc y200f ff1a9 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikrin<span class=\"_ _5\"></span>g av r<span class=\"_ _5\"></span>enteris<span class=\"_ _5\"></span>iko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d1 wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d1 wdc hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d1 w15a hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d1 wde hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d1 w128 hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d2 wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d2 w15a hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d3 we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deri<span class=\"_ _5\"></span>vater <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d3 wdd hd9\"><div class=\"t m2 x242 hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">923</span> <span class=\"lsab wscb\">98<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47a y40d3 wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d3 wdc hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d3 w15a hd9\"><div class=\"t m2 x28b hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">887</span> <span class=\"lsab wscb\">26<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40d3 wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d3 w128 hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Risi<span class=\"_ _1\"></span>ko knytt<span class=\"_ _1\"></span>et t<span class=\"_ _1\"></span>il finan<span class=\"_ _2\"></span>sielle de<span class=\"_ _1\"></span>rivater<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Derivater handles i portef<span class=\"_ _5\"></span>\u00f8ljer der balanseprodukter ogs\u00e5 handles. Markedsris<span class=\"_ _5\"></span>ikoen p\u00e5 derivatene blir h\u00e5ndtert, overv\u00e5ket og <span class=\"wsd2\">kont<span class=\"_ _5\"></span>rollert som en </span>integrert del av disse port<span class=\"_ _5\"></span>ef\u00f8ljenes markedsrisiko. Se note K13 Markedsrisiko. Derivater handles m<span class=\"_ _5\"></span>ed <span class=\"_ _1\"></span>mange ulike<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>motparter, og de fleste av disse gj\u00f8r ogs\u00e5 andre typer forretninger med DNB. Kredit<span class=\"_ _5\"></span>trisikoen som oppst\u00e5r i forbindelse med handel i derivater inng\u00e5r i d<span class=\"wsd2\">en t<span class=\"_ _5\"></span>otale kreditt<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>risikoen i DNB<span class=\"ls0 ws0\">-</span>konsernet. For mange mot<span class=\"_ _5\"></span>parter er det inng\u00e5tt nettingavtaler eller bilaterale avt<span class=\"_ _5\"></span>aler om sikkerhetsstillelse, og p\u00e5 den m\u00e5ten redu<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>seres kredittrisi<span class=\"_ _5\"></span>koen. Myndighetenes kapit<span class=\"_ _5\"></span>alkrav tar hensyn til slike avtaler ved at kapitalkravet reduseres<span class=\"_ _5\"></span>. De fleste OTC<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">derivater med </span>finansi<span class=\"_ _5\"></span>elle motparter motregnes hos en sentral clearingsentral. Se note K5 Styring av kredittrisiko for omtal<span class=\"_ _5\"></span>e av motp<span class=\"lsbe ws10b\">arts<span class=\"_ _5\"></span>risik<span class=\"_ _5\"></span>o.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>DNB benytter basisswapper og rente<span class=\"ls0 ws0\">- </span>og valut<span class=\"_ _5\"></span>aswapper til \u00e5 konvertere innl\u00e5n i valuta til \u00f8nsket valuta. Et typisk eksempel er at banken tar <span class=\"ls0 ws0\"> </span>opp et l\u00e5n i euro som byttes til dollar gjennom en basisswap. I dette tilfellet vil banken betale en dollarrente bas<span class=\"_ _5\"></span>ert p\u00e5 en<span class=\"ls0 ws0\"> </span>swapkurve og motta <span class=\"ls0 ws0\"> </span>en eurorente som er redusert eller \u00f8kt med en margin. Disse derivatene f\u00f8res til vi<span class=\"_ _5\"></span>rkelig verdi. Det kan v\u00e6re betydelige endringer i<span class=\"ls0 ws0\"> </span>v<span class=\"_ _5\"></span>erdien p\u00e5 basisswappene f<span class=\"_ _5\"></span>ra dag til dag, p\u00e5 <span class=\"_ _1\"></span>grunn av endringer i<span class=\"_ _5\"></span> marginer. Denne risikoen<span class=\"ls0 ws0\"> </span>er usikret og medf\u00f8rer urealis<span class=\"_ _5\"></span>erte gevinster og tap. I 20<span class=\"ls0 ws0\">2</span>5 var det en \u00f8kning i verdien p\u00e5 458 millioner kroner (positiv resultat<span class=\"_ _5\"></span>effekt), sammenliknet med <span class=\"wscf\">en </span>reduksj<span class=\"_ _5\"></span>on i verdien p\u00e5 1<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">559 millioner kroner i </span>20<span class=\"ls0 ws0\">2</span>4.<span class=\"ff1a9 ls0 ws0\"> </span>Note K16 Finansielle deriv<span class=\"_ _1\"></span>ater og sikringsbokf\u00f8ring<span class=\"_ _1c5\"> </span>Bruk av fi<span class=\"_ _1\"></span>nansi<span class=\"_ _1\"></span>elle d<span class=\"_ _1\"></span>erivat<span class=\"_ _1\"></span>er i DNB<span class=\"_ _1\"></span> Livsfors<span class=\"_ _1\"></span>ikring<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Form\u00e5let med bruk av finansielle derivat<span class=\"_ _5\"></span>er i DNB Livsforsikring er \u00e5 kunne investere i og allokere midler i samsvar med selskapets forventninger til markedsutvikl<span class=\"_ _5\"></span>ingen, gjennom en rask og kostnadseffektiv eiendels<span class=\"_ _5\"></span><span class=\"lscf ws126\">- </span>og markedseks<span class=\"_ _5\"></span>ponering. Videre gir bruk av<span class=\"ls0 ws0\"> </span>derivater mulighet til \u00e5 foreta aktiv risikostyri<span class=\"_ _5\"></span>ng, herunder \u00e5 endre aksje<span class=\"ls0 ws0\">-</span>, rente<span class=\"wscf\">- </span>og valutarisiko. DNB Livsf<span class=\"_ _5\"></span>orsikring benytter ikke sik<span class=\"_ _5\"></span>ringsbokf\u00f8ring. Se n\u00e6rmere beskrivels<span class=\"_ _5\"></span>e i note K14 Rentef\u00f8lsomhet og K15 Valutaposis<span class=\"_ _5\"></span>joner.<span class=\"ls0 ws0\"> </span>Sikr<span class=\"_ _5\"></span>ingsbokf\u00f8r<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span>I virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av rent<span class=\"_ _5\"></span>erisiko konverteres renterisikoeks<span class=\"_ _5\"></span>poneringen p\u00e5 investeringer og gjeld fra fast til flytende rent<span class=\"_ _5\"></span>e. Kun renter<span class=\"lsbe ws10b\">isik<span class=\"_ _5\"></span>o </span></span>beregnet som virkel<span class=\"_ _5\"></span>ig verdi av endringer i interbank swap<span class=\"ls0 ws0\">-</span>renten er sikret. Renteswapavtaler bruk<span class=\"_ _5\"></span>es til \u00e5 sikre rentedelen, der endringen i virkelig verdi er et res<span class=\"_ _5\"></span>ultat av endringene i swaprenten.<span class=\"ls0 ws0\"> </span>De sentrale vilk\u00e5rene for sik<span class=\"_ _5\"></span>ringsinstrumentene og sikringsobj<span class=\"_ _5\"></span>ektene er satt slik at de samsvarer ved inng\u00e5elsen av sikringen<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">og sik<span class=\"_ _5\"></span>ringsgraden </span>er 1:1. Dermed var det ingen vesentlig sikrings<span class=\"_ _5\"></span>inneffektivitet for \u00e5ret.<table class=\"s w329 h4de\" id=\"_82620e6a-0fc3-4ee2-a7c9-c7218f0c9e33\"><tr><td class=\"c x3fc y40d4 w163 hdb\"><div class=\"t m2 x19f hd1 y23e6 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d5 w165 hdb\"><div class=\"t m2 x248 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d5 w166 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d6 w165 hd7\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d6 w166 hd7\"><div class=\"t m2 x20c hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40d7 w164 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40d7 w165 hd7\"><div class=\"t m2 x1df hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40d7 w166 hd7\"><div class=\"t m2 x199 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40d7 w165 hd7\"><div class=\"t m2 x1e3 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d7 w166 hd7\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40d8 w164 h11f\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x208 hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x15d hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40da w164 h129\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40da w165 h129\"><div class=\"t m2 xa hcc y26c5 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40da w166 h129\"><div class=\"t m2 x188 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">204</span> <span class=\"lsab wscb\">587</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40da w165 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x47f y40da w166 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3fc y40db w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40db w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40db w166 hdb\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">299</span> <span class=\"lsab wscb\">462</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40db w165 hdb\"><div class=\"t m2 x27 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">146</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40db w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">617</span> </div></td></tr><tr><td class=\"c x3fc y40dc w164 hda\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dc w165 hda\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dc w166 hda\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dc w165 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40dc w166 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">123</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40dd w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dd w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dd w166 hdb\"><div class=\"t m2 x13b hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">228</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dd w165 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">38</span> </div></td><td class=\"c x47f y40dd w166 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td></tr><tr><td class=\"c x3fc y40de w164 hde\"><div class=\"t m2 x19f hdc y1dc1 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40df w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40df w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40df w166 hdb\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w329 h4df\" id=\"_d3533f1c-2e78-4a40-9246-7828b2294483\"><tr><td class=\"c x3fc y40e0 w163 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e1 w165 hde\"><div class=\"t m2 x248 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e1 w166 hde\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e2 w165 hd7\"><div class=\"t m2 x1b5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e2 w166 hd7\"><div class=\"t m2 x20c hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40e3 w164 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e3 w165 hd7\"><div class=\"t m2 x1df hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e3 w166 hd7\"><div class=\"t m2 x199 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40e3 w165 hd7\"><div class=\"t m2 x1e3 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e3 w166 hd7\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40e4 w164 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x208 hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x15d hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40e6 w164 h127\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40e6 w165 h127\"><div class=\"t m2 xa hcc y26d1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e6 w166 h127\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">177</span> <span class=\"lsab wscb\">807</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e6 w165 h127\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">602</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e6 w166 h127\"><div class=\"t m2 x20d hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">829</span> </div></td></tr><tr><td class=\"c x3fc y40e7 w164 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e7 w165 hdb\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e7 w166 hdb\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">312</span> <span class=\"lsab wscb\">496</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e7 w165 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">703</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e7 w166 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">815</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e8 w164 hde\"><div class=\"t m2 x163 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e8 w165 hde\"><div class=\"t m2 xf9 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e8 w166 hde\"><div class=\"t m2 x188 hcc y1da9 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">115</span> <span class=\"lsab wscb\">675</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e8 w165 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">170</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e8 w166 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">414</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e9 w164 hda\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e9 w165 hda\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e9 w166 hda\"><div class=\"t m2 x13b hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">069</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e9 w165 hda\"><div class=\"t m2 x20d hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x47f y40e9 w166 hda\"><div class=\"t m2 x127 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">(113)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40ea w164 hdb\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40eb w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40eb w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40eb w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">074</span> </div></td></tr></table>Det akkumulerte bel\u00f8<span class=\"_ _5\"></span>pet for justeringer av virkelig verdi<span class=\"ls0 ws0\">-</span>sikring i balanseopps<span class=\"_ _5\"></span>tillingen for sikringsobjekter s<span class=\"_ _5\"></span>om ikke lenger justeres for sikrings<span class=\"ls0 ws0\">- </span>gevinster og <span class=\"ls0 ws0\">-</span><span class=\"wscf\">tap var<span class=\"ls0 ws0\"> </span></span>12 mill<span class=\"_ _5\"></span>ioner kroner per 31. desember 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">5.<span class=\"ls0 ws0\"> </span></span><table class=\"s w32a h4e0\" id=\"_e9a9fc4a-d9e8-4a12-815a-82f7daf309db\"><tr><td class=\"c x3db y40ec w71 hde\"><div class=\"t m2 x19f hd1 y2100 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40ed w167 hdb\"><div class=\"t m2 x6d hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40ee w6f h13b\"><div class=\"t m2 x246 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ee w6f h13b\"><div class=\"t m2 x1b9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40ef w152 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40ef w6f hd7\"><div class=\"t m2 x1ba hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ef w6e hd7\"><div class=\"t m2 x1bc hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ef w6e hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ef w6f hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40ef w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f0 w152 hdd\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f1 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f1 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">642</span> </div></td><td class=\"c x438 y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x436 y40f1 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">453</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f1 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">145</span> <span class=\"lsab wscb\">884</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">632</span> </div></td></tr><tr><td class=\"c x3db y40f2 w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f2 w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">163</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">518</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">59</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f2 w6f hde\"><div class=\"t m2 x20f hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">289</span> <span class=\"lsab wscb\">195</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">88</span> <span class=\"lsab wscb\">699</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40f3 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40f3 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">738</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td></tr></table><table class=\"s w32a h4e1\" id=\"_8feb3678-9d67-4aaa-a1bd-071ea8d0b2be\"><tr><td class=\"c x3db y40f4 w71 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40f5 w167 hde\"><div class=\"t m2 x6d hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40f6 w6f h13b\"><div class=\"t m2 x246 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f6 w6f h13b\"><div class=\"t m2 x1b9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40f7 w152 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f7 w6f hd7\"><div class=\"t m2 x1ba hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f7 w6e hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f7 w6e hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f7 w6f hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40f7 w6e hd7\"><div class=\"t m2 x209 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f8 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f9 w152 hda\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f9 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">625</span> </div></td><td class=\"c x438 y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">277</span> </div></td><td class=\"c x436 y40f9 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f9 w6f hda\"><div class=\"t m2 x20f hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">163</span> <span class=\"lsab wscb\">560</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">737</span> </div></td></tr><tr><td class=\"c x3db y40fa w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40fa w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">295</span> </div></td><td class=\"c x438 y40fa w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">249</span> </div></td><td class=\"c x436 y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">69</span> <span class=\"lsab wscb\">612</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40fa w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">281</span> <span class=\"lsab wscb\">281</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">82</span> <span class=\"lsab wscb\">778</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40fb w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40fb w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">157</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fb w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">412<span class=\"_ _1c5\"> </span></span></div></td></tr></table>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span>DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span>mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span>\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span>Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span>endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span>knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span>samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span>Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span>som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span>Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen til result<span class=\"_ _5\"></span>atregnskapet. I nettoinv<span class=\"_ _5\"></span>esteringssikring av utenlandske datt<span class=\"_ _5\"></span>erselskaper brukes innskudd i valuta og innl\u00e5n i valuta som sikringsinst<span class=\"_ _5\"></span>rumente<span class=\"lsbd ws117\">r.<span class=\"_ _5\"></span> Diss<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span> ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>ru<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>mentene presenteres<span class=\"_ _5\"></span> som innskudd fra kunder og verdipapirgjeld i balansen. Instrum<span class=\"_ _5\"></span>enter i EUR, USD, G<span class=\"_ _1\"></span>BP og SEK bruk<span class=\"lsbf ws127\">es til \u00e5 si<span class=\"_ _1\"></span>kre in<span class=\"_ _1\"></span>ve<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>steringene i konsernets<span class=\"_ _5\"></span> datterselskaper med funksjonell valut<span class=\"_ _5\"></span>a EUR, USD, GBP, SEK og D<span class=\"_ _1\"></span>KK. <span class=\"ls0 ws0\"> </span>Total sikret eksponering i<span class=\"_ _5\"></span> nettoinvesteringssikringer ut<span class=\"_ _5\"></span>gjorde 75<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">242 milli<span class=\"_ _5\"></span>oner kroner per <span class=\"_ _5\"></span>31. desember 20<span class=\"ls0 ws0\">2</span></span>5. Det var i<span class=\"_ _5\"></span>ngen vesentlig sikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>inneffekt<span class=\"_ _5\"></span>ivitet for \u00e5ret, ettersom valutagevinst<span class=\"_ _5\"></span>er og <span class=\"ls0 ws0\">-</span>tap p\u00e5 sikringsobjektetene ble motvirket av valutagevinster og <span class=\"ls0 ws0\">-</span><span class=\"wsd2\">tap <span class=\"_ _5\"></span>p\u00e5 sikringsinstrum<span class=\"_ _5\"></span>entene. </span>Effektene av nettoinv<span class=\"_ _5\"></span>esteringssikringen vises i endri<span class=\"_ _5\"></span>ng i egenkapital. <span class=\"ls0 ws102\">  </span>Omklassifis<span class=\"_ _5\"></span>eringer fra nettoinvesteringss<span class=\"_ _5\"></span>ikringsreserv<span class=\"_ _5\"></span>e til resultatet, p\u00e5 grunn av for eksempel salg av datterselskaper, vises i total<span class=\"_ _5\"></span>resultatet og <span class=\"ls0 ws0\"> </span>i endring i egenkapital.<span class=\"ls0 ws0\"> </span><table class=\"s w338 h4e7\" id=\"_baef91d8-5080-4b76-9a5d-06e3a2cd23f8\"><tr><td class=\"c x400 y415e w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1d8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y415e w6f hd7\"><div class=\"t m2 x204 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y415e w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y415f w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Valuta o<span class=\"_ _5\"></span>g finans<span class=\"_ _5\"></span>ielle <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y415f w6f hd9\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">785</span> </div></td><td class=\"c x494 y415f w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">950</span> </div></td></tr><tr><td class=\"c x400 y4160 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4160 w6f hda\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">268<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4160 w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">217<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4161 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x493 y4161 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">657<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4161 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">417<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4162 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Andre fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4162 w6f hdb\"><div class=\"t m2 x1b6 hcc y1dae ff1d7 fs53 fc21 sc0 ls0 ws0\">3 </div></td><td></td></tr><tr><td class=\"c x400 y4163 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4163 w6f hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4163 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4164 w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle ins<span class=\"_ _5\"></span>trumen<span class=\"_ _5\"></span>ter, obli<span class=\"_ _5\"></span>gatori<span class=\"_ _5\"></span>sk til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4164 w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">734</span> </div></td><td class=\"c x494 y4164 w6e hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">628</span> </div></td></tr><tr><td class=\"c x40f y4165 w339 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"_ _1\"></span>virkelig verdi</div><div class=\"t m2 x495 h121 y3ebb ff1d7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4166 w6f hdd\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">701<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4166 w6e hdd\"><div class=\"t m2 x249 hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4167 w33a h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x496 h121 y3e5e ff1d7 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4168 w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">605<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4168 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">(140)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4169 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4169 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(263)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4169 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416a w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle ins<span class=\"_ _5\"></span>trumen<span class=\"_ _5\"></span>ter, be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416a w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">043</span> </div></td><td class=\"c x494 y416a w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(154)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416b w71 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater, sik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416b w6f hdd\"><div class=\"t m2 x19e hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y416b w6e hdd\"><div class=\"t m2 x248 hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">074</span> </div></td></tr><tr><td class=\"c x400 y416c w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r til vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span>over t<span class=\"_ _5\"></span>otalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span>, sik<span class=\"_ _5\"></span>ret<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416c w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff1d7 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x494 y416c w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">829<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416d w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, sik<span class=\"_ _5\"></span>ret<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416d w6f hde\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">504<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y416d w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">342</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y416e w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> sikr<span class=\"_ _5\"></span>ede pos<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416e w6f hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(483)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y416e w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(438)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y416f w33b h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>ealisert<span class=\"_ _5\"></span>e gevi<span class=\"_ _5\"></span>nster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansielle <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er til<span class=\"_ _5\"></span> virkel<span class=\"_ _5\"></span>ig ver<span class=\"_ _5\"></span>di over<span class=\"_ _5\"></span> totalr<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x497 h121 y3ebb ff1d7 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4170 w6f hdd\"><div class=\"t m2 x1b6 hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x494 y4170 w6e hdd\"><div class=\"t m2 xf9 hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4171 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Mottatt<span class=\"_ _5\"></span> utbytt<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4171 w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">130<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4171 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4172 w71 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1d6 fs53 fc21 sc0 lsab wsd0\">Netto gevi<span class=\"_ _5\"></span>nster p\u00e5 fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e instr<span class=\"_ _5\"></span>umenter<span class=\"_ _5\"></span> til virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4172 w6f hd9\"><div class=\"t m2 x248 hdc y1da9 ff1d6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">431</span> </div></td><td class=\"c x494 y4172 w6e hd9\"><div class=\"t m2 x248 hdc y1da9 ff1d6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">225</span> </div></td></tr><tr><td class=\"c x3f6 y4173 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4173 w33c h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Endri<span class=\"_ _5\"></span>ngen i <span class=\"_ _5\"></span>virk<span class=\"_ _5\"></span>elig ver<span class=\"_ _5\"></span>di kny<span class=\"_ _5\"></span>ttet til k<span class=\"_ _5\"></span>red<span class=\"_ _5\"></span>ittrisik<span class=\"_ _5\"></span>o utgjo<span class=\"_ _5\"></span>rde e<span class=\"_ _5\"></span>n gevins<span class=\"_ _5\"></span>t p\u00e5</span> <span class=\"lsab wscd\">2<span class=\"_ _5\"></span>4 milli<span class=\"_ _5\"></span>oner kr<span class=\"_ _5\"></span>oner i l<span class=\"_ _5\"></span>\u00f8pet <span class=\"_ _5\"></span>av \u00e5re<span class=\"_ _5\"></span>t og et t<span class=\"_ _5\"></span>ap p\u00e5 <span class=\"_ _5\"></span>49 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kumul<span class=\"_ _5\"></span>ativt. K<span class=\"_ _5\"></span>redit<span class=\"_ _5\"></span>trisik<span class=\"_ _5\"></span>o<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x414 y4174 w33d h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 lsab wscd\">hensynt<span class=\"_ _5\"></span>att ved<span class=\"_ _5\"></span> m\u00e5lin<span class=\"_ _5\"></span>g av vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span>er bas<span class=\"_ _5\"></span>ert p\u00e5<span class=\"_ _5\"></span> normali<span class=\"_ _5\"></span>serte<span class=\"_ _5\"></span> tap og <span class=\"_ _5\"></span>endrin<span class=\"_ _5\"></span>g i norm<span class=\"_ _5\"></span>alisert<span class=\"_ _5\"></span>e tap i<span class=\"_ _5\"></span> den a<span class=\"_ _5\"></span>ktuell<span class=\"_ _5\"></span>e portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"lsa9 wsca\">n.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea2 w33e h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Endri<span class=\"_ _5\"></span>ngen i <span class=\"_ _5\"></span>virk<span class=\"_ _5\"></span>elig ver<span class=\"_ _5\"></span>di kny<span class=\"_ _5\"></span>ttet til <span class=\"_ _5\"></span>endr<span class=\"_ _5\"></span>inger i k<span class=\"_ _5\"></span>reditts<span class=\"_ _5\"></span>pread<span class=\"_ _5\"></span>er ut<span class=\"_ _5\"></span>gjorde <span class=\"_ _5\"></span>en gevi<span class=\"_ _5\"></span>nst</span> <span class=\"lsab wscd\">p\u00e5 <span class=\"_ _5\"></span>58 mill<span class=\"_ _5\"></span>ioner<span class=\"_ _5\"></span> kroner i<span class=\"_ _5\"></span> l\u00f8pet<span class=\"_ _5\"></span> av \u00e5re<span class=\"_ _5\"></span>t og en<span class=\"_ _5\"></span> gevinst<span class=\"_ _5\"></span> p\u00e5 2<span class=\"_ _5\"></span>5 mill<span class=\"_ _5\"></span>ioner k<span class=\"_ _5\"></span>umula<span class=\"_ _5\"></span>tivt.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w33f h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 lsab wscd\">Rekl<span class=\"_ _5\"></span>assifis<span class=\"_ _5\"></span>ert fra <span class=\"_ _5\"></span>total<span class=\"_ _5\"></span>result<span class=\"_ _5\"></span>atet.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table>Note K20 Ne<span class=\"_ _1\"></span>tto gevins<span class=\"_ _1\"></span>ter p\u00e5 finansielle instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innregning og fraregning<span class=\"ls0 ws0\"> </span>F\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter innregnes n\u00e5r konsernet blir part i instrumentets<span class=\"_ _5\"></span> kontraktsbestemmelser.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>Finansielle eiendeler, med unntak av utl\u00e5n og forskudd til kunder, bl<span class=\"_ _5\"></span>ir i utgangspunktet innregnet p\u00e5 oppgj\u00f8rstids<span class=\"_ _5\"></span>punktet. Dette gjelder ogs\u00e5 ved alminnelig kj\u00f8<span class=\"_ _5\"></span>p eller salg av finansielle eiendeler (regular<span class=\"ls0 ws0\">-</span>way t<span class=\"_ _5\"></span>rades). Utl\u00e5n og forskudd til kunder innregnes n\u00e5r midler overf\u00f8<span class=\"_ _5\"></span>res til kundenes kontoer. Konsernet innregner innskudd fra kunder, gjeld til kreditt<span class=\"_ _5\"></span>institusjoner og verdipapirgjel<span class=\"_ _5\"></span>d n\u00e5r midler overf\u00f8res <span class=\"wsd2\">til kons<span class=\"_ _5\"></span>ernet.<span class=\"ls0 ws112\">  </span></span>Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span>En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span>beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span>Klassifis<span class=\"_ _5\"></span>ering og presentasjon<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kl<span class=\"_ _5\"></span>assifiseres i <span class=\"_ _5\"></span>en av f\u00f8l<span class=\"_ _5\"></span>gende m\u00e5lekategorier:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">amortis<span class=\"_ _5\"></span>ert kost</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over totalresultatet</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over resultatet</span> </span>Klassifis<span class=\"_ _5\"></span>eringen av finansielle eiendeler er avhengig av to faktorer:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virksom<span class=\"_ _5\"></span>hetsmodellen for portef\u00f8ljen som den finansielle ei<span class=\"_ _5\"></span>endelen h\u00f8rer til</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kjennetegnene til<span class=\"_ _5\"></span> den finansielle eiendelens kontrakts<span class=\"_ _5\"></span>regulerte kontantstr\u00f8mmer</span> </span>N\u00e5r virksomhetsmodel<span class=\"_ _5\"></span>len utarbeides, vurderer konsernet<span class=\"_ _5\"></span> for hver portef\u00f8lje hvordan virksomheten styres, salgsaktiv<span class=\"_ _5\"></span>iteter, risiko<span class=\"wsd2\">styri<span class=\"_ _5\"></span>ng samt </span>hvordan i<span class=\"_ _5\"></span>nformasjon formi<span class=\"_ _5\"></span>dles til ledels<span class=\"_ _5\"></span>en. Virksom<span class=\"wsf6\">hetsm<span class=\"_ _5\"></span>odellen er blitt vurdert for hvert forretningsomr\u00e5de. P<span class=\"_ _5\"></span>o<span class=\"lsc1 wsce\">rte</span></span>f\u00f8ljene s<span class=\"_ _5\"></span>om tilh\u00f8rer kundeomr\u00e5dene har en virksom<span class=\"_ _5\"></span>hetsmodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontraktsregulerte kontantst<span class=\"_ _5\"></span>r\u00f8mmene, mens det er flere ulike virks<span class=\"_ _5\"></span>omhetsmodeller for portef\u00f8ljene som h\u00f8rer ti<span class=\"_ _5\"></span>l produktomr\u00e5det DNB Carnegie og konsernomr\u00e5de<span class=\"lsd4 ws107\">t K</span><span class=\"wscf\">on<span class=\"_ _1\"></span>serntreas<span class=\"_ _5\"></span>ury.<span class=\"ls0 ws0\"> </span></span>Ved f\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning av finansielle eiendeler bli<span class=\"_ _5\"></span>r det utf\u00f8rt en test av kjennetegnene til de kontraktsregulerte kontant<span class=\"lsc5 ws130\">st<span class=\"_ _5\"></span>r\u00f8m</span><span class=\"wscf\">mene. </span>Finansiel<span class=\"_ _5\"></span>le eiendeler med kontantstr\u00f8mmer som bare er betaling av hovedstol og rente, best\u00e5r testen hvis de kontrak<span class=\"_ _5\"></span><span class=\"lsbc ws103\">tu</span>elle kontantstr\u00f8mmene er forenlige med en grunnleggende l\u00e5neav<span class=\"_ _5\"></span>tale. I en grunnleggende l\u00e5neavtale er vederlag for tidsv<span class=\"_ _5\"></span>erdien av penger og kredittrisikoen vanligv<span class=\"_ _5\"></span>is de viktigste delene av rent<span class=\"_ _5\"></span>en. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktels<span class=\"_ _5\"></span>er klassifiseres t<span class=\"_ _5\"></span>il amortisert<span class=\"_ _5\"></span> kost med <span class=\"_ _5\"></span>unntak av finans<span class=\"_ _5\"></span>ielle forpliktelser <span class=\"_ _5\"></span>som m\u00e5 m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">verdi over resultatet ell<span class=\"_ _5\"></span>er </span>er bestemt regnskapsf\u00f8rt<span class=\"_ _5\"></span> til virkelig verdi over resultatet.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kan ugjenkallelig bli bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangs<span class=\"_ _5\"></span>innregning hvis f\u00f8lgende kriteri<span class=\"_ _5\"></span>um er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Klassifi<span class=\"_ _5\"></span>seringen eliminerer eller i vesentl<span class=\"_ _5\"></span>ig grad reduserer en uoverensstemmelse i m\u00e5ling eller innregning som ellers vil<span class=\"_ _5\"></span>le ha oppst\u00e5tt ved </span></span>m\u00e5ling av eiendeler eller v<span class=\"_ _5\"></span>ed regnskapsf\u00f8ring av tilh\u00f8rende gevinster eller tap p\u00e5 ulikt grunnlag.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K27 Klassifik<span class=\"_ _1\"></span>asjon av finansielle ins<span class=\"_ _1\"></span>trumenter<span class=\"_ _1c5\"> </span></div>Finansiel<span class=\"_ _5\"></span>le forpliktelser kan ogs\u00e5 ugjenkallel<span class=\"_ _5\"></span>ig bli bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> over res<span class=\"_ _5\"></span>ultatet ved f\u00f8rst<span class=\"_ _5\"></span>egangs</span>inn<span class=\"wsd2\">regning <span class=\"_ _5\"></span>hvis kriteriet </span></span>ovenfor ell<span class=\"_ _5\"></span>er en av f\u00f8lgende er op<span class=\"_ _1\"></span>pfy<span class=\"_ _5\"></span>lt: <span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De finansiell<span class=\"_ _5\"></span>e instrumentene er en del av en portef\u00f8lje som styres og vurderes p\u00e5 bakgrunn av virkelig verdi i samsvar med en</span> <span class=\"lsaf wscf\">dokumentert </span></span>risikoh\u00e5ndteri<span class=\"_ _5\"></span>ngs<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller investerings<span class=\"_ _5\"></span></span>strategi.<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Vertskont<span class=\"_ _5\"></span>rakten inneholder et eller flere innebygde derivater.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler, som ikke er bestemt regnskapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi over resultatet, er balansef\u00f8rt til amortisert<span class=\"_ _5\"></span> kost hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontrakts<span class=\"wsd2\">regulert<span class=\"_ _5\"></span>e kontant<span class=\"wscf\">str\u00f8m<span class=\"_ _5\"></span>mene.</span></span></span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rstegangsinnregning til virkelig v<span class=\"_ _5\"></span>erdi pluss direkte henf\u00f8r<span class=\"wscf\">bare </span>transaksj<span class=\"_ _5\"></span>onskostnader. Deretter m\u00e5les eiendelene til amort<span class=\"_ _5\"></span>isert kost ved bruk av effektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">metode, redus<span class=\"_ _5\"></span>ert med<span class=\"ls0 ws0\"> </span></span>eventuel<span class=\"_ _5\"></span>le nedskrivninger. Nedskrivninger og til<span class=\"_ _5\"></span>bakef\u00f8ringer av nedskrivninger bli<span class=\"_ _5\"></span>r m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>En endring i avsetning til forvent<span class=\"_ _5\"></span>ede kredittap for gjeldsinstrument<span class=\"_ _5\"></span>er balansef\u00f8rt til amortisert kost p\u00e5 balansedagen blir presentert<span class=\"_ _5\"></span> under \u00abNedskrivninger p\u00e5 finans<span class=\"_ _5\"></span>ielle instrumenter\u00bb i result<span class=\"_ _5\"></span>atregnskapet.<span class=\"ls0 ws0\"> </span>Renteinntekter f<span class=\"_ _5\"></span>ra finansielle instrumenter klassifisert<span class=\"_ _5\"></span> i denne kategorien presenteres under \u00abRenteinntekt, eff<span class=\"_ _5\"></span>ektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wscf\">metode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien best\u00e5r i hov<span class=\"_ _5\"></span>edsak av utl\u00e5n til kunder, kontanter og innskudd, fordringer, gjensalgs<span class=\"_ _5\"></span>avtaler og obligasjons<span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost er ved f\u00f8rstegangsinnregning regns<span class=\"_ _5\"></span>kapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi minus eventuelle direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Tilh\u00f8rende rent<span class=\"_ _5\"></span>e<span class=\"lsbd ws104\">kos<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span></span>nader presenteres som \u00abRentekostnad, effektiv<span class=\"_ _5\"></span> rente<span class=\"ls0 ws0\">-<span class=\"lsc3 ws114\">me</span></span><span class=\"wscf\">tode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien omfatter i<span class=\"_ _5\"></span>nnskudd fra kunder og kredittinstit<span class=\"_ _5\"></span>usjoner, gjenkj\u00f8psavtaler, utstedt<span class=\"_ _5\"></span>e sertifikater og obligasj<span class=\"_ _5\"></span>oner, ansvarlig l\u00e5nekapit<span class=\"_ _5\"></span>al og fondsobligasjonsl\u00e5n.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>nger i finansielle eiendeler, som ikke er bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt ti<span class=\"_ _5\"></span>l virkelig v<span class=\"_ _5\"></span>erdi over <span class=\"_ _5\"></span>resultatet, m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig verdi over <span class=\"_ _5\"></span>totalresultat<span class=\"_ _5\"></span>et </span></span>hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let b\u00e5de er \u00e5 holde eiendelene for \u00e5 motta de kon<span class=\"lsc4 ws115\">trakts<span class=\"_ _5\"></span></span><span class=\"wsd2\">regulerte kont<span class=\"_ _5\"></span>antstr\u00f8mmene </span></span></span>samt \u00e5 selge eien<span class=\"wscf\">delen.<span class=\"ls0 ws0\"> </span></span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet regnskapsf\u00f8<span class=\"_ _5\"></span>res ved f\u00f8rstegangsinnregning til virkeli<span class=\"_ _5\"></span>g verdi pluss direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Ett<span class=\"_ _5\"></span>erf\u00f8lgende verdim\u00e5ling er til virkelig verdi over t<span class=\"_ _5\"></span>otalresultatet. Endringer<span class=\"ls0 ws0\"> </span>i v<span class=\"_ _5\"></span>irkelig verdi regnskapsf\u00f8res i totalres<span class=\"_ _5\"></span>ultatet og akkumuleres i en separat komponent i egenkapitalen. Nedskrivninger og tilbak<span class=\"_ _5\"></span>ef\u00f8ringer av nedskrivninger, rentei<span class=\"_ _5\"></span>nntekter samt gevinster ell<span class=\"_ _5\"></span>er tap som f\u00f8lge av <span class=\"_ _1\"></span>valutaom<span class=\"_ _5\"></span>regning regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atet.<span class=\"ls0 ws0\"> </span>Ved fraregning av den finansielle ei<span class=\"_ _5\"></span>endelen resirkuleres gevinsten eller tapet, som er akkumulert i totalresult<span class=\"_ _5\"></span>atet, i resultatet og presenteres p\u00e5 linjen \u00abNetto gevinster p\u00e5 finans<span class=\"_ _5\"></span>ielle instr<span class=\"wsd2\">umenter <span class=\"_ _5\"></span>til virkeli<span class=\"_ _5\"></span>g verdi\u00bb. </span>Ned<span class=\"lsaf wsd2\">skrivni<span class=\"_ _5\"></span>nger og til<span class=\"_ _5\"></span>bakef\u00f8ringer<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">av nedskrivni<span class=\"_ _5\"></span>nger blir m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </span></span>modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>Denne kategorien omfatter en portef<span class=\"_ _5\"></span>\u00f8lje med obligasjons<span class=\"wscf\">inv<span class=\"_ _5\"></span>esteringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le instrumenter balansef\u00f8rt til virk<span class=\"_ _5\"></span>elig verdi over resultatet<span class=\"ls0 ws0\"> </span>F\u00f8lgende instrum<span class=\"_ _5\"></span>enter h\u00f8rer til denne kategorien:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">derivater</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">egenkapital<span class=\"_ _5\"></span>instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle trading instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle instrumenter s<span class=\"_ _5\"></span>om styres ti<span class=\"_ _5\"></span>l virkeli<span class=\"_ _5\"></span>g verdi</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle eiendeler med k<span class=\"_ _5\"></span>ontraktsregulert<span class=\"_ _5\"></span>e kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer som ikke kun representerer hovedstol og rente</span></span> </span>Instrument<span class=\"_ _5\"></span>er i denne kat<span class=\"_ _5\"></span>egorien regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rst<span class=\"_ _5\"></span>e<span class=\"wscf\">gangs<span class=\"wsf6\">innregning til vi<span class=\"_ _5\"></span>rkelig verdi. Tilh\u00f8rende transaksjonsk<span class=\"_ _5\"></span>ostnader inn</span></span>regnes i resultat<span class=\"_ _5\"></span>regnskapet n\u00e5r de oppst\u00e5r. Etterf\u00f8lgende m\u00e5l<span class=\"_ _5\"></span>ing er virkelig verdi med gevinster og tap regnskaps<span class=\"lsbc ws0\">f\u00f8rt i<span class=\"_ _1\"></span> r<span class=\"lsaf wscf\">esultatregnskapet.<span class=\"_ _1c5\"> </span></span></span>Endringer i virk<span class=\"_ _5\"></span>elig verdi p\u00e5 de finansielle instrumentene inng\u00e5r i \u00abNetto gevinster p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter til virkeli<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>verdi\u00bb i resultat<span class=\"_ _5\"></span>regnskapet. Endringer i virkelig verdi p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter innenfor livsf<span class=\"_ _5\"></span>orsikring inng\u00e5r i \u00abNetto forsikringsresul<span class=\"_ _5\"></span>tat\u00bb. Finansielle derivater pres<span class=\"_ _5\"></span>enteres som en eiendel n\u00e5r virkelig verdi er positiv og som en forpliktelse n\u00e5r virk<span class=\"_ _5\"></span>elig verdi er negativ.<span class=\"ls0 ws0\"> </span>Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader f<span class=\"_ _5\"></span>or renteb\u00e6rende instrumenter inklusive f<span class=\"_ _5\"></span>inansielle derivater inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, med<span class=\"ls0 ws0\"> </span>unntak av renteinntekt<span class=\"_ _5\"></span>er og<span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som h\u00f8rer til tradingportef\u00f8ljen.<span class=\"ls0 ws0\"> </span>Tradingportef\u00f8<span class=\"_ _5\"></span>ljen omfatter instrumenter,<span class=\"_ _5\"></span> som i hovedsak er anskaffet for \u00e5 <span class=\"_ _1\"></span>sel<span class=\"_ _5\"></span>ges eller kj\u00f8pes tilbake p\u00e5 kort sikt. Dette o<span class=\"ls0 ws0\">m</span>fatter finansielle derivater, aksj<span class=\"_ _5\"></span>er og obligasjonsportef\u00f8ljer. Rentei<span class=\"_ _5\"></span>nntekter og <span class=\"ls0 ws0\">-</span>kostnader for finansielle instrument<span class=\"_ _5\"></span>er i trad<span class=\"wscf\">ingporte</span>f\u00f8ljen inng\u00e5r i \u00abNetto gevinster p\u00e5 finansielle i<span class=\"_ _5\"></span>nstrumenter til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler bestemt regnskapsf\u00f8rt til virkel<span class=\"_ _5\"></span>ig verdi over resultatet ved f\u00f8rstegangsinnregning, omf<span class=\"_ _5\"></span>atter i hovedsak<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">obligasjoner og </span>boligl\u00e5n med fast rente i norske kroner. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser bestemt regnsk<span class=\"_ _5\"></span>apsf\u00f8rt til virkelig verdi over resultatet<span class=\"_ _5\"></span> ved f\u00f8rstegangsinnregning, omfatter i hove<span class=\"wsd2\">ds<span class=\"_ _5\"></span>ak innl\u00e5n med </span>rentebinding i norsk<span class=\"_ _5\"></span>e kroner. Endringen i virkelig verdi som kan henf\u00f8res til konsernets kredittrisiko er beregnet <span class=\"wscf\">gjen</span>nom<span class=\"_ _5\"></span> \u00e5 bruke kreditts<span class=\"_ _5\"></span>preadkurver fra Nordic Bond Pricing. Endringen i virkelig verdi som kan henf\u00f8<span class=\"_ _5\"></span>res til kredittrisiko p\u00e5 \u00f8vrige finansielle forplik<span class=\"_ _5\"></span>telser er begrenset <span class=\"_ _5\"></span>p\u00e5 grunn av <span class=\"_ _5\"></span>instrumentenes kort<span class=\"_ _5\"></span>siktige natur. E<span class=\"_ _5\"></span>ndringer i v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> som f\u00f8<span class=\"_ _5\"></span>lge <span class=\"wsf6\">av kredittrisiko p\u00e5 kons<span class=\"_ _5\"></span>ernets langsiktige innl\u00e5n i </span>norske kroner som er bestemt regnskapsf\u00f8rt til vi<span class=\"_ _5\"></span>rkelig verdi over resultatet verken skaper eller forverrer et regnsk<span class=\"_ _5\"></span>apsmessi<span class=\"lsbd ws117\">g m<span class=\"_ _5\"></span>is</span><span class=\"wsd2\">f<span class=\"_ _5\"></span>orhold og er </span>derfor skilt ut og regnskapsf<span class=\"_ _5\"></span>\u00f8rt i totalresultatet. Se endring i egenkapital for en presentasj<span class=\"_ _5\"></span>on av effektene.<span class=\"ls0 ws0\"> </span>Omklassifis<span class=\"_ _5\"></span>eringer<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler omklassifiseres kun hvis det er en vesentlig endring i virksom<span class=\"_ _5\"></span>hetsmodell for eiendelene. Det er forventet at slike endringer er sv\u00e6rt sjeldne. Finansiel<span class=\"_ _5\"></span>le forpliktelser om<span class=\"lsbd ws104\">k<span class=\"_ _5\"></span>las<span class=\"_ _5\"></span><span class=\"lsbf wsff\">sifis<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbd ws104\"><span class=\"lsbf wsff\"><span class=\"ls0 ws0\"> </span></span></span><table class=\"s w36c h4f7\" id=\"_77147711-5923-4e5e-93de-cb24f1a092cf\"><tr><td class=\"c x400 y4222 w10c h139\"><div class=\"t m2 x19f hd1 y2193 ff229 fs55 fc21 sc0 lsaf wsf6\">Per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4c3 y4223 w160 hd7\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Obligato<span class=\"_ _5\"></span>risk vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y4223 w6e hd7\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">Bestemt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x4c4 y4224 w6e h165\"><div class=\"t m2 x4f hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">regnsk<span class=\"_ _5\"></span>aps<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4224 w6e h165\"><div class=\"t m2 x19e hcc y200f ff22a fs53 fc21 sc0 lsa7 wsc9\">Virkelig<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x4c4 y4225 w6e hd7\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 lsaa ws0\">f\u00f8rt til<span class=\"ls0\"> </span></div></td><td class=\"c x4c5 y4225 w6e hd7\"><div class=\"t m2 x1e4 hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">verdi ov<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4225 w6f hd7\"><div class=\"t m2 x1bb hcc y200f ff22a fs53 fc21 sc0 lsb2 wsf1\">Amorti<span class=\"_ _5\"></span>sert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4225 w6e hd7\"><div class=\"t m2 x19e hcc y200f ff22a fs53 fc21 sc0 lsb2 wsf1\">Bokf\u00f8rt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4226 w10c hd7\"><div class=\"t m2 x19f hd8 y200f ff22b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4226 w6e hd7\"><div class=\"t m2 x1b9 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">Trading <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48c y4228 w36d h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig</div><div class=\"t m2 x4c6 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c8 y4228 w36e h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi</div><div class=\"t m2 x4c7 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c5 y4226 w6e hd7\"><div class=\"t m2 x1e5 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">totalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ca y4228 w36f h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x4c9 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x494 y4226 w6e hd7\"><div class=\"t m2 x246 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">verdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4229 w10c h11f\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x493 y4229 w6f h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4229 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422a w10c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y422a w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span>809<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y422a w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span>809<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422b w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y422b w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y422b w6f hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y422b w6e hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x400 y422c w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y422c w6e hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>072<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422c w6f hdb\"><div class=\"t m2 x0 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">275<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">191<span class=\"ls0 ws0\"> </span>237<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>132<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y422c w6f hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>585<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">529<span class=\"ls0 ws0\"> </span>301<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422d w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4c3 y422d w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">969</span> </div></td><td class=\"c x4cb y422d w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>082<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422d w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>051<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422e w10c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422e w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422e w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422f w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y422f w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422f w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422f w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4230 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x493 y4230 w6f hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>536<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4230 w6e hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>536<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4231 w10c h11f\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>956<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y4231 w6f h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">282<span class=\"ls0 ws0\"> </span>382<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>435<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>132<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4231 w6f h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">670</span> <span class=\"lsab wscb\">85<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y4231 w6e h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">610</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x400 y4232 w10c hd9\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4232 w6e hd9\"><div class=\"t m2 x1b6 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">4 </div></td><td></td><td class=\"c x4c4 y4232 w6e hd9\"><div class=\"t m2 xf9 hcc y1da9 ff22a fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4232 w6f hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">330<span class=\"ls0 ws0\"> </span>635<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4232 w6e hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">330<span class=\"ls0 ws0\"> </span>635<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4233 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4233 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>819<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4233 w6f hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">483</span> <span class=\"lsab wscb\">05<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y4233 w6e hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">521</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>2</span> </div></td></tr><tr><td class=\"c x400 y4234 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Gjeld, k<span class=\"_ _5\"></span>under <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4cb y4234 w6f hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y4234 w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4235 w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4235 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y4235 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y4235 w6e hda\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4236 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4236 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">267</span> </div></td><td></td><td class=\"c x493 y4236 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">781<span class=\"ls0 ws0\"> </span>897<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4236 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4237 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4237 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">076</span> </div></td><td></td><td></td><td></td><td class=\"c x493 y4237 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>355<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4237 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4238 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4238 w6e hdb\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">769</span> </div></td><td></td><td class=\"c x493 y4238 w6f hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">110<span class=\"ls0 ws0\"> </span>707<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4238 w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4239 w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4239 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">123</span> </div></td><td></td><td class=\"c x493 y4239 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>903<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4239 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y423a w370 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff22a fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell <span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4cc h121 y3ebb ff22a fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c3 y423b w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>944<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y423b w6f hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span>959<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y423b w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y423b w6f hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">776</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x494 y423b w6e hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">173</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x3f6 y3ead w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y3ead w371 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>ater b<span class=\"_ _5\"></span>rukt som<span class=\"_ _5\"></span> sikrin<span class=\"_ _5\"></span>gsi<span class=\"_ _5\"></span>nstrument<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y423c w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y423c w372 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Fo<span class=\"_ _5\"></span>r finansi<span class=\"_ _5\"></span>elle <span class=\"_ _5\"></span>forplikt<span class=\"_ _5\"></span>elser b<span class=\"_ _5\"></span>estem<span class=\"_ _5\"></span>t reg<span class=\"_ _5\"></span>nskapsf<span class=\"_ _5\"></span>\u00f8rt til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span> er en<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>n i kre<span class=\"_ _5\"></span>dittris<span class=\"_ _5\"></span>iko pr<span class=\"_ _5\"></span>esent<span class=\"_ _5\"></span>ert i tot<span class=\"_ _5\"></span>alresul<span class=\"_ _5\"></span>ta<span class=\"lsd5 ws87\">tet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x422 y423d w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x423 y423d w373 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>udert si<span class=\"_ _5\"></span>kre<span class=\"_ _5\"></span>de eiendel<span class=\"_ _5\"></span>er og<span class=\"_ _5\"></span> forpli<span class=\"_ _5\"></span>ktel<span class=\"_ _5\"></span>ser som<span class=\"_ _5\"></span> er und<span class=\"_ _5\"></span>erlagt s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x422 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x423 y3e64 w374 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Kont<span class=\"_ _5\"></span>raktsm<span class=\"_ _5\"></span>essig <span class=\"_ _5\"></span>forplik<span class=\"_ _5\"></span>telse <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsiel<span class=\"_ _5\"></span>l gjeld be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span> utgjo<span class=\"_ _5\"></span>rde til s<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>en 47 21<span class=\"_ _5\"></span>5 mil<span class=\"_ _5\"></span>lioner<span class=\"_ _5\"></span> kroner.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table><div class=\"gsd3\"><table class=\"s w375 h4f9\" id=\"_bac1f648-f5bf-4c3d-9c41-c51fc4d17067\"><tr><td class=\"c x425 y423e w10c hd7\"><div class=\"t m2 x19f hd1 y1da9 ff22d fs55 fc21 sc0 lsaf wsf6\">Per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4cd y423f w160 hd7\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Obligato<span class=\"_ _5\"></span>risk vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y423f w6e hd7\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">Bestemt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x46b y4240 w6e h13b\"><div class=\"t m2 x4f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">regnsk<span class=\"_ _5\"></span>aps<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y4240 w6f h13b\"><div class=\"t m2 x19e hcc y1da9 ff22c fs53 fc21 sc0 lsa7 wsc9\">Virkelig<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x46b y4241 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 lsaa ws0\">f\u00f8rt til<span class=\"ls0\"> </span></div></td><td class=\"c x46c y4241 w6f hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">verdi ov<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y4241 w6e hd7\"><div class=\"t m2 x1bb hcc y1da9 ff22c fs53 fc21 sc0 lsb2 wsf1\">Amorti<span class=\"_ _5\"></span>sert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4241 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff22c fs53 fc21 sc0 lsb2 wsf1\">Bokf\u00f8rt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4242 w10c hd7\"><div class=\"t m2 x19f hd8 y1da9 ff22e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4242 w6f hd7\"><div class=\"t m2 x1b9 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">Trading <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cf y4243 w376 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig</div><div class=\"t m2 x4ce h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4d1 y4243 w377 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi</div><div class=\"t m2 x4d0 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46c y4242 w6f hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">totalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d3 y4243 w378 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x4d2 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46d y4242 w6e hd7\"><div class=\"t m2 x246 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">verdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4244 w10c hd9\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y4244 w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4244 w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4245 w10c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x44e y4245 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">165<span class=\"ls0 ws0\"> </span>563<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4245 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">165<span class=\"ls0 ws0\"> </span>563<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4246 w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4246 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>432<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4246 w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x46d y4246 w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x425 y4247 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4247 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>782<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4247 w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y4247 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span>208<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y4247 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>145<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y4247 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4247 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">574<span class=\"ls0 ws0\"> </span>896<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4248 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4cd y4248 w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">230</span> </div></td><td class=\"c x4d4 y4248 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4248 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>107<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4249 w10c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4249 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>419<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4249 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>419<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424a w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y424a w6f hda\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>529<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y424a w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y424a w6e hda\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424b w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y424b w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y424b w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424c w10c hd9\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y424c w6f hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>541<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y424c w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>085<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y424c w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">310<span class=\"ls0 ws0\"> </span>639<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y424c w6f hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>145<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y424c w6e hd9\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">556</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x46d y424c w6e hd9\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">538</span> <span class=\"lsab wscb\">69<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x425 y424d w10c hd9\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y424d w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>089<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y424d w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>089<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424e w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y424e w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>621<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y424e w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">447</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x46d y424e w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">76<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x425 y424f w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Gjeld, k<span class=\"_ _5\"></span>under <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4d4 y424f w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y424f w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4250 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4250 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4250 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4250 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4251 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4251 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">740</span> </div></td><td></td><td class=\"c x44e y4251 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">851<span class=\"ls0 ws0\"> </span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4251 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">854<span class=\"ls0 ws0\"> </span>765<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4252 w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4252 w6f hda\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td></td><td></td><td></td><td class=\"c x44e y4252 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>466<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4252 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>225<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4253 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4253 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">776</span> </div></td><td></td><td class=\"c x44e y4253 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>708<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4253 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4254 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4254 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td></td><td class=\"c x44e y4254 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>169<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4254 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4255 w379 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell <span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4d5 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y4256 w6f hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>699<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4256 w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span>347<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y4256 w6e hd9\"><div class=\"t m2 x1ba hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>237<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4256 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">745</span> <span class=\"lsab wscb\">59<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x46d y4256 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">114</span> <span class=\"lsab wscb\">88<span class=\"_ _5\"></span>1</span> </div></td></tr><tr><td class=\"c x3f6 y4173 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff22e fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4173 w37a h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff22e fs53 fc21 sc0 lsab wscd\">Inklu<span class=\"_ _5\"></span>derer<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>ater bruk<span class=\"_ _5\"></span>t som s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4174 w2d6 h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4174 w37b h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 lsab wscd\">For fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>elle for<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser b<span class=\"_ _5\"></span>estem<span class=\"_ _5\"></span>t reg<span class=\"_ _5\"></span>nskapsf<span class=\"_ _5\"></span>\u00f8rt til vi<span class=\"_ _5\"></span>rkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>er en<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>n i kre<span class=\"_ _5\"></span>dittrisi<span class=\"_ _5\"></span>ko pr<span class=\"_ _5\"></span>esent<span class=\"_ _5\"></span>ert i tot<span class=\"_ _5\"></span>alresul<span class=\"_ _5\"></span>ta<span class=\"lsd5 ws87\">tet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3eae w37c h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscb\">Inklu<span class=\"_ _5\"></span>der<span class=\"wscd\">t si<span class=\"_ _5\"></span>krede <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er og<span class=\"_ _5\"></span> forplik<span class=\"_ _5\"></span>tel<span class=\"_ _5\"></span>ser som<span class=\"_ _5\"></span> er und<span class=\"_ _5\"></span>erlagt si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring</span></span>.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w37d h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Kontr<span class=\"_ _5\"></span>aktsme<span class=\"_ _5\"></span>ssig <span class=\"_ _5\"></span>forplikt<span class=\"_ _5\"></span>else <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span> gjeld be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til vi<span class=\"_ _5\"></span>rkelig<span class=\"_ _5\"></span> verdi u<span class=\"_ _5\"></span>tgjord<span class=\"_ _5\"></span>e til s<span class=\"_ _5\"></span>ammen <span class=\"_ _5\"></span>47</span> <span class=\"lsab wscd\">629 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner kr<span class=\"_ _5\"></span>oner.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"c w73 h13a gs182\"><div class=\"t m2 x20e hcf y1f7d ff237 fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor viser den virk<span class=\"_ _5\"></span>elige verdien av finansielle instrumenter til amortis<span class=\"_ _5\"></span>ert kost. Finansielle instrumenter som h<span class=\"wsd2\">ol<span class=\"_ _5\"></span>des til amortisert </span></div><div class=\"t m2 x20e hcf y1f7e ff237 fs55 fc21 sc0 lsaf wsf6\">kost, der den amortiserte kosten er et rimelig ansl<span class=\"_ _5\"></span>ag av den virkelige verdien, er ikke tatt med.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y1f7f ff237 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs183\"><table class=\"s w37e h4fb\" id=\"_1823f3c6-3dd7-4f8f-9440-134a350cefb6\"><tr><td></td><td class=\"c x4d6 y4257 wdd h14b\"><div class=\"t m2 xda hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4d6 y4258 w1ae hd7\"><div class=\"t m2 x188 hcc y1da9 ff237 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d7 y4257 wde h14b\"><div class=\"t m2 x4f hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsc9\">Virkelig <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y4257 wdc h14b\"><div class=\"t m2 xda hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y4258 w1ae hd7\"><div class=\"t m2 x188 hcc y1da9 ff237 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x47d y4257 w128 h14b\"><div class=\"t m2 x4f hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsc9\">Virkelig <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4259 w1ad hd7\"><div class=\"t m2 x19f hd8 y1da9 ff238 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y4259 wdd hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d8 y4259 wde hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y4259 wdf hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d7 y4259 wde hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y4259 wdc hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d9 y4259 wdd hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y4259 wde hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y4259 w128 hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y425a w1ad h11e\"><div class=\"t m2 x19f hd1 y1dab ff236 fs55 fc21 sc0 lsaf wscf\">Eiendeler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y425b w1ad hde\"><div class=\"t m2 x19f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425b wdd hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x4d8 y425b wde hde\"><div class=\"t m2 x267 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">914</span> <span class=\"lsab wscb\">338</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y425b wdf hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">448</span> <span class=\"lsab wscb\">46<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x4d7 y425b wde hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">362</span> <span class=\"lsab wscb\">80<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x47b y425b wdc hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x4d9 y425b wdd hde\"><div class=\"t m2 x267 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">881</span> <span class=\"lsab wscb\">860</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47c y425b wde hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">321</span> <span class=\"lsab wscb\">89<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x47d y425b w128 hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">203</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x3db y425c w1ad h1e7\"><div class=\"t m2 x19f hd1 y1dab ff236 fs55 fc21 sc0 lsbc ws103\">Gjeld<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y425d w1ad hde\"><div class=\"t m2 x19f hcc y1dc1 ff237 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425d wdd hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">781</span> <span class=\"lsab wscb\">897</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d8 y425d wde hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">775</span> <span class=\"lsab wscb\">186</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y425d wdf hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">992</span> </div></td><td class=\"c x4d7 y425d wde hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">782</span> <span class=\"lsab wscb\">178</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47b y425d wdc hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">851</span> <span class=\"lsab wscb\">025</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d9 y425d wdd hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">848</span> <span class=\"lsab wscb\">895</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47c y425d wde hde\"><div class=\"t m2 x247 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">708</span> </div></td><td class=\"c x47d y425d w128 hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">849</span> <span class=\"lsab wscb\">603</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y425e w1ad hdb\"><div class=\"t m2 x19f hcc y1db0 ff237 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425e wdd hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">110</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d8 y425e wde hdb\" colspan=\"2\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">999</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d7 y425e wde hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">999</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47b y425e wdc hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">708</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d9 y425e wdd hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">335</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x47d y425e w128 hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">335</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y425f w1ad hda\"><div class=\"t m2 x19f hcc y1db0 ff237 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425f wdd hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">903</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d8 y425f wde hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">364</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y425f wdf hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">217</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d7 y425f wde hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">582</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47b y425f wdc hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">35</span> <span class=\"lsab wscb\">169</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d9 y425f wdd hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">541</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47c y425f wde hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">21</span> <span class=\"lsab wscb\">212</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47d y425f w128 hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">753</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div><div class=\"c w73 h13a gs182\"><div class=\"t m2 x20e hcf y2b8c ff237 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2b8d ff237 fs55 fc21 sc0 lsaf wsf6\">Se note K29 Finansielle instrumenter til virk<span class=\"_ _5\"></span>elig verdi for en generell definisjon av niv\u00e5ene i virkelig verdihierarki<span class=\"_ _5\"></span>et. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h1e8 y2b8e ff237 fs5c fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2b8f ff236 fs5a fc21 sc0 lsba ws105\">Utl\u00e5n til k<span class=\"_ _1\"></span>under (niv\u00e5 2 og 3)<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2b90 ff237 fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder i niv\u00e5 2 best\u00e5r i hovedsak av personmarkedsl\u00e5n med flytende rente som er m\u00e5lt til amortisert kost. P\u00e5 grunn <span class=\"lsbd ws117\">av<span class=\"_ _5\"></span> de<span class=\"_ _5\"></span>n sv\u00e6<span class=\"_ _5\"></span>r<span class=\"_ _5\"></span>t k<span class=\"_ _5\"></span>ort<span class=\"_ _5\"></span>e </span></div><div class=\"t m2 x20e hcf y2b91 ff237 fs55 fc21 sc0 lsaf wscf\">rente<span class=\"wsf6\">bindings<span class=\"_ _5\"></span>tiden er amortisert kost vurdert \u00e5 v\u00e6re et godt estimat p\u00e5 virkelig verdi. Alle andre utl\u00e5n som er<span class=\"ls0 ws0\"> </span>m\u00e5lt til amortisert kost er </span></div><div class=\"t m2 x20e hcf y2b92 ff237 fs55 fc21 sc0 lsbe ws104\">kl<span class=\"_ _5\"></span>ass<span class=\"_ _5\"></span>ifis<span class=\"_ _5\"></span>ert<span class=\"_ _5\"></span> i niv<span class=\"_ _5\"></span>\u00e5 3.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2b93 ff237 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2b94 ff237 fs55 fc21 sc0 lsaf wsf6\">Vurderingen av l\u00e5n i niv\u00e5 3 har tatt utgangspunkt i gjennoms<span class=\"_ _5\"></span>nittsmarginene i desember, og disse er vurdert opp mot beste anslag p\u00e5 hva </div><div class=\"t m2 x20e hcf y2b95 ff237 fs55 fc21 sc0 lsaf wscf\">margin<span class=\"wsf6\">krav<span class=\"_ _5\"></span>et ville v\u00e6rt ved utgangen av 2025 dersom l\u00e5nene hadde v\u00e6rt gitt p\u00e5 det tidspunktet. Det er beregnet differens<span class=\"wsd2\">iert<span class=\"_ _5\"></span>e marginkrav for </span></span></div><div class=\"t m2 x20e hcf y2b96 ff237 fs55 fc21 sc0 lsaf wsf6\">hver utl\u00e5nsport<span class=\"_ _5\"></span>ef\u00f8lje.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2b97 ff237 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2b98 ff237 fs55 fc21 sc0 lsaf wsf6\">For marginl\u00e5nene kalk<span class=\"_ _5\"></span>uleres et marginkrav, og forskjellen mellom marginkravet og avtalt margin neddisk<span class=\"_ _5\"></span>onteres over gjennomsnittlig f<span class=\"_ _5\"></span>orv<span class=\"wscf\">entet </span></div><div class=\"t m2 x20e hcf y2b99 ff237 fs55 fc21 sc0 lsaf wsd2\">tid til<span class=\"_ _5\"></span> reprising.<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x81 hd6 y2b9a ff236 fs5 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h1e8 y2b9b ff237 fs5c fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2b9c ff236 fs5a fc21 sc0 lsc0 ws108\">Verdipap<span class=\"_ _5\"></span>irgjeld, et<span class=\"_ _5\"></span>terstil<span class=\"_ _5\"></span>te senio<span class=\"_ _5\"></span>roblig<span class=\"_ _5\"></span>asjoner o<span class=\"_ _5\"></span>g a<span class=\"_ _5\"></span>nsvarlig l\u00e5n<span class=\"_ _5\"></span>ekapit<span class=\"_ _5\"></span>al (niv\u00e5 <span class=\"_ _5\"></span>2 og 3)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2b9d ff237 fs55 fc21 sc0 lsaf wsf6\">Verdivurderingen i<span class=\"_ _5\"></span> niv\u00e5 2 baseres p\u00e5 observerbar markedsinformasjon i form av rentekurver og kredittmarginer der det<span class=\"_ _5\"></span> er tilgj<span class=\"wsd2\">engelig, mens<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x20e hcf y2b9e ff237 fs55 fc21 sc0 lsaf wsf6\">verdsettelsen i niv<span class=\"_ _5\"></span>\u00e5 3 er basert p\u00e5 <span class=\"_ _1\"></span>modeller.<span class=\"_ _5\"></span> Postene best\u00e5r i hovedsak av innl\u00e5n i valuta<span class=\"ls0 ws0\"> </span>og verdipapirgjeld i norsk<span class=\"_ _5\"></span>e kroner med flytende rente<span class=\"lsbc ws103\">. </span><span class=\"lsbc ws103\"><span class=\"ls0 ws0\"> </span></span></div></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K28 Virk<span class=\"_ _2\"></span>elig verdi a<span class=\"_ _1\"></span>v finansielle instrumenter til amortisert k<span class=\"_ _1\"></span>ost<span class=\"_ _1c5\"> </span></div>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Fastsettelse <span class=\"_ _5\"></span>av virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi er den pris som <span class=\"_ _1\"></span>vil<span class=\"_ _5\"></span>le blitt oppn\u00e5dd ved salg av en eiendel eller betalt for \u00e5 overf\u00f8re en forpliktels<span class=\"_ _5\"></span>e i en velordnet transaksjon mellom m<span class=\"_ _5\"></span>arkedsdeltakere p\u00e5 m<span class=\"_ _5\"></span>\u00e5letidspunktet. F<span class=\"_ _5\"></span>inan<span class=\"wsf6\">sielle eiendel<span class=\"_ _5\"></span>er og forpliktelser i aktive markeder verdsett<span class=\"_ _5\"></span>es til den prisen som er innenfor </span>kj\u00f8p<span class=\"_ _1\"></span>skur<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-<span class=\"lsaf wscf\">/salgskurs<span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">marginen, og som er mest representativ for virkelig verdi p\u00e5 m\u00e5letidspunktet<span class=\"_ _5\"></span>. I de fleste tilfeller utgj\u00f8r kj\u00f8ps<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>algskurser </span></span></span>for disse instrument<span class=\"_ _5\"></span>ene den mest <span class=\"_ _1\"></span>represent<span class=\"_ _5\"></span>ative prisen for henholdsvis ei<span class=\"_ _5\"></span><span class=\"wsd2\">endeler og for<span class=\"lsbe ws10b\">p<span class=\"_ _5\"></span>lik<span class=\"_ _5\"></span>t</span><span class=\"wscf\">elser. <span class=\"ls0 ws0\"> </span></span></span>Direkte observ<span class=\"_ _5\"></span>erbare priser i markedet brukes i s\u00e5 stor utstrekning som mulig til \u00e5 fastsette virkelig verdi. Verdsettels<span class=\"_ _5\"></span>ene for de ulike typene finansi<span class=\"_ _5\"></span>elle instrumenter er basert p\u00e5 anerkjente metoder og modeller. Prisene og inputparamet<span class=\"_ _5\"></span>erne som benyttes, kontrolleres og vurderes basert p\u00e5 etablerte rutiner og kont<span class=\"_ _5\"></span>rollprosedyrer.<span class=\"ls0 ws0\"> </span>Kontrollmil<span class=\"_ _5\"></span>j\u00f8et knyttet til virkelig verdim\u00e5li<span class=\"_ _5\"></span>ng av finansielle instrumenter er en integrert del av selskapets regnsk<span class=\"_ _5\"></span>aps<span class=\"lsc1 wsce\">rap</span><span class=\"wscf\">por</span>tering.<span class=\"_ _5\"></span> Det utf\u00f8res en rekke kontroller p\u00e5 dagli<span class=\"_ _5\"></span>g basis, herunder kontroll av dag \u00e9n gevinst eller tap p\u00e5 handlede posisjoner samt kontroll av input<span class=\"_ _5\"></span>parameter som er sentrale i verdsettelsen.<span class=\"_ _5\"></span> Ved m\u00e5neds og k<span class=\"_ _1\"></span>vart<span class=\"_ _5\"></span>alsslutt blir det utf\u00f8rt utvidede kont<span class=\"_ _5\"></span>roller for \u00e5 sikre at verdsettelsene er i tr\u00e5d med prinsippene for m\u00e5ling av virkelig verdi i<span class=\"_ _5\"></span>nklusive endringsanalyser. Det gis spesiell oppmerk<span class=\"_ _5\"></span>somhet til verdsettelser i niv\u00e5 3 i verdsettelses<span class=\"_ _5\"></span>hierarkiet der effektene kan v\u00e6re vesentlige el<span class=\"_ _5\"></span>ler s\u00e6rlig utfordrende. <span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som omsettes i et aktivt marked <span class=\"ls0 ws0\"> </span>For instrument<span class=\"_ _5\"></span>er som handles i et aktivt marked, benyttes den noterte prisen innhentet fra enten en b\u00f8rs, en megler eller et <span class=\"lsbe ws10b\">pris<span class=\"_ _5\"></span></span><span class=\"wscf\">settingsbyr\u00e5.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>Markedet er aktivt dersom det er mulig \u00e5 framskaffe eksterne observerbare pris<span class=\"_ _5\"></span>er, kurser eller renter og disse prisene repre<span class=\"wscf\">sen<span class=\"wsd2\">terer f<span class=\"_ _5\"></span>aktiske <span class=\"_ _5\"></span>og </span></span>hyppige markedstrans<span class=\"_ _5\"></span>aksjoner.<span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som ikke omsettes i et aktivt marked<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter som ikke omsettes i aktive markeder, verdsettes bas<span class=\"_ _5\"></span>ert p\u00e5 ulike verdsettelsesteknikk<span class=\"_ _5\"></span>er og deles inn i to <span class=\"_ _1\"></span>kat<span class=\"_ _5\"></span>egorier:<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">nylig observ<span class=\"_ _5\"></span>erte transaksjoner i det aktuelle instrumentet mellom inf<span class=\"_ _5\"></span>ormerte, villige og uavhengige parter</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter handlet i et aktivt marked som substansielt er likt det instrumentet som verdsettes</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">andre verdsettels<span class=\"_ _5\"></span>esteknikker hvor de vesentligste parametrene er basert<span class=\"_ _5\"></span> p\u00e5 observerbare markedsdata</span> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 annet enn observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">estimert<span class=\"_ _5\"></span>e kontantstr\u00f8mmer</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">vurdering av eiendeler og gj<span class=\"_ _5\"></span>eld i selskaper</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">modeller hv<span class=\"_ _5\"></span>or vesentlige parameter ikke er basert p\u00e5 observerbare markedsdata </span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">eventuell<span class=\"_ _5\"></span>e bransjestandarder</span> </span>I verdsettelsen av OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater er det en justering av virkelig verdi for motpartens kredittris<span class=\"_ _5\"></span>iko (CVA) og for konsernets egen kredittrisiko (DVA). I tillegg er det en justering for den forventede finans<span class=\"_ _5\"></span>ieringskostnaden (FVA). Justeringer er foretatt<span class=\"_ _5\"></span> basert p\u00e5 nettoeksponeringen mot hver motpart for CVA og DVA, samt mot finansieringsgrupper for FVA. <span class=\"ls0 ws0\"> </span>Konsernet estim<span class=\"_ _5\"></span>erer CVA som en funksjon av en simulert forventet positiv eksponering, sannsynli<span class=\"_ _5\"></span>gheten for motpartens mislighold (probabili<span class=\"_ _5\"></span>ty of default, PD) og tapsgrad gitt mislighol<span class=\"_ _5\"></span>d (loss given default, LGD). Intern rating er kombinert med historiske spreader fra credit default<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>swapper (CDS), samt gjel<span class=\"_ _5\"></span>dende CDS<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">indekspriser for <span class=\"_ _5\"></span>\u00e5 estimere mot<span class=\"_ _5\"></span></span>partens CDS<span class=\"ls0 ws0\">-</span>spread. Dett<span class=\"_ _5\"></span>e betyr at <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet utnytter sine egne kredittmodel<span class=\"_ _5\"></span>ler og deres range<span class=\"ls0 ws0\">r</span>ingsevne, men kalibrerer mot prisniv\u00e5er for til<span class=\"lsc5 ws130\">sv<span class=\"_ _5\"></span>ar</span><span class=\"wsd2\">ende kredit<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">r</span></span>isiko i markedet. For kunder klassifisert i gruppe 3 p\u00e5 grunn av forventet kredittap, er CVA beregnet som om derivatene var gjenstand for nedskriv<span class=\"_ _5\"></span>ning som f\u00f8lge av kredittap. DVA<span class=\"ls0 ws0\"> </span>er basert p\u00e5 samme tiln\u00e6rming som CVA, der en vurdering av DNBs kredittspread<span class=\"ls0 ws0\"> </span>er brukt.<span class=\"ls0 ws0\"> </span>FVA gjenspeiler n\u00e5v<span class=\"_ _5\"></span>erdien av forventet framtidig finansi<span class=\"_ _5\"></span>eringskostnad knyttet til eksponeri<span class=\"_ _5\"></span>ngen for usikrede derivater. Den beregnes ved \u00e5 an<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>vende en finansieri<span class=\"_ _5\"></span>ngsmargin over den forventede eksponeringen. Det beregnes ikke finansierings<span class=\"_ _5\"></span>fordel for de posisjoner det er beregnet DVA for. <span class=\"ls0 ws0\"> </span>For finansiell<span class=\"_ _5\"></span>e instrumenter som m\u00e5les ved bruk av en verdsettelsesteknikk, kan en gevinst eller et tap fra tid til annen oppst\u00e5 n\u00e5r den estimerte virkelige verdien er f<span class=\"_ _5\"></span>orskjellig fra transaksjons<span class=\"_ _5\"></span>prisen. N\u00e5r m\u00e5lingen er basert p\u00e5 ikke<span class=\"ls0 ws0\">-</span>observerbare input<span class=\"wscf\">para</span>meter (niv\u00e5 3), er gevinst<span class=\"_ _5\"></span>en eller tapet utsatt og derfor ikke innregnet p\u00e5 dag \u00e9n. Endringer i virkelig verdi p\u00e5 et senere tids<span class=\"_ _5\"></span>punkt er kun innregnet i den grad dette skyldes forhold som markedsakt\u00f8rer vil<span class=\"_ _5\"></span>le tatt i betraktning.<span class=\"_ _1c5\"> </span><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K29 Finansielle ins<span class=\"_ _1\"></span>trumenter til virk<span class=\"_ _1\"></span>elig verdi<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w37f h4fc\" id=\"_5c546759-aac1-4aed-92c5-6df619ba6ccd\"><tr><td class=\"c x400 y4260 w152 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff244 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4260 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 1 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4260 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4260 w6f hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4260 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff243 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4261 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4262 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y4262 w6f h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4262 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4263 w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4263 w6e h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">636</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4c5 y4263 w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">327</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4263 w6f h154\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x494 y4263 w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">515</span> <span class=\"lsab wscb\">716</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4264 w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td></td><td class=\"c x4c4 y4264 w6e h154\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">101</span> </div></td><td class=\"c x4c5 y4264 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">767</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4264 w6f h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4264 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">37</span> <span class=\"lsab wscb\">051</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4265 w152 h135\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4265 w6e h135\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">239</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4265 w6e h135\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">239</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4266 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4266 w6e h1eb\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">602</span> </div></td><td class=\"c x4c5 y4266 w6e h1eb\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">123</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4266 w6f h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">114</span> </div></td><td class=\"c x494 y4266 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">101</span> <span class=\"lsab wscb\">839</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4267 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4268 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4268 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4268 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4269 w152 h154\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4269 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">267</span> </div></td><td></td><td class=\"c x494 y4269 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">267</span> </div></td></tr><tr><td class=\"c x400 y426a w152 h135\"><div class=\"t m2 x19f hcc y2401 ff243 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426a w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">769</span> </div></td><td></td><td class=\"c x494 y426a w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">769</span> </div></td></tr><tr><td class=\"c x400 y426b w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426b w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">123</span> </div></td><td></td><td class=\"c x494 y426b w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">123</span> </div></td></tr><tr><td class=\"c x400 y426c w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, kun<span class=\"_ _5\"></span>der b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426c w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">788</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y426c w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">788</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y426d w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y426d w6e h135\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x4c5 y426d w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">765</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y426d w6f h135\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">826</span> </div></td><td class=\"c x494 y426d w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">102</span> <span class=\"lsab wscb\">035</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40f y426e w380 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff243 fs53 fc21 sc0 lsab wscd\">Annen fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4da h121 y3ebb ff243 fs58 fc21 sc0 ls0 ws0\">1</div></td><td></td><td class=\"c x4c4 y426f w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x4c5 y426f w6e h154\"><div class=\"t m2 x134 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td><td class=\"c x494 y426f w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">076</span> </div></td></tr><tr><td class=\"c x400 y4270 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4271 w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y4271 w6f h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4271 w6e h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4272 w152 h154\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4272 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x4c5 y4272 w6e h154\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">550</span> <span class=\"lsab wscb\">280</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4272 w6f h154\"><div class=\"t m2 x1b5 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x494 y4272 w6e h154\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">558</span> <span class=\"lsab wscb\">309</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4273 w152 h135\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td></td><td class=\"c x4c4 y4273 w6e h135\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">369</span> </div></td><td class=\"c x4c5 y4273 w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">818</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4273 w6f h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4273 w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">107</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4274 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4274 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">196</span> <span class=\"lsab wscb\">419</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4274 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">196</span> <span class=\"lsab wscb\">419</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4275 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4275 w6e h135\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x4c5 y4275 w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">085</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4275 w6f h135\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">434</span> </div></td><td class=\"c x494 y4275 w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">141</span> <span class=\"lsab wscb\">144</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4276 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4277 w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4277 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4277 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4278 w152 h135\"><div class=\"t m2 x19f hcc y2401 ff243 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4278 w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">740</span> </div></td><td></td><td class=\"c x494 y4278 w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">740</span> </div></td></tr><tr><td class=\"c x400 y4279 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4279 w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">776</span> </div></td><td></td><td class=\"c x494 y4279 w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">776</span> </div></td></tr><tr><td class=\"c x400 y427a w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y427a w6e h154\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">100</span> </div></td><td></td><td class=\"c x494 y427a w6e h154\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">100</span> </div></td></tr><tr><td class=\"c x400 y427b w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, kun<span class=\"_ _5\"></span>der b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y427b w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">202</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y427b w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">202</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y427c w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y427c w6e h154\"><div class=\"t m2 x1b5 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">885</span> </div></td><td class=\"c x4c5 y427c w6e h154\"><div class=\"t m2 x20f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">114</span> <span class=\"lsab wscb\">054</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y427c w6f h154\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">093</span> </div></td><td class=\"c x494 y427c w6e h154\"><div class=\"t m2 x20f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">032</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40f y427d w380 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff243 fs53 fc21 sc0 lsab wscd\">Annen fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4da h121 y3ebb ff243 fs58 fc21 sc0 ls0 ws0\">1</div></td><td></td><td class=\"c x4c4 y427e w6e h135\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x4c5 y427e w6e h135\"><div class=\"t m2 x134 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td></td><td class=\"c x494 y427e w6e h135\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">759</span> </div></td></tr><tr><td class=\"c x3f6 y429d w381 h4fd\"><div class=\"t m2 x3f4 hd8 y427f ff244 fs53 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 he2 y4280 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12e y4281 ff242 fs5a fc21 sc0 lsc0 ws109\">Niv\u00e5ene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4282 ff243 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter innplasseres i ulik<span class=\"_ _5\"></span>e niv\u00e5er basert p\u00e5 graden av observerbarhet i markedsdata for den enkelte type instrument. Over<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4283 ff243 fs55 fc21 sc0 lsaf wsf6\">f\u00f8ringer mellom niv<span class=\"_ _5\"></span>\u00e5ene i virkelig verdi hierarkiet anses \u00e5 ha skjedd ved utgangen av hvert kvartal. For finansiell<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> <span class=\"lsc5 ws130\">instru</span></span>m<span class=\"_ _5\"></span>enter i niv\u00e5 2 kan </div><div class=\"t m2 x3f4 hcf y4284 ff243 fs55 fc21 sc0 lsaf wsf6\">graden av observerbarhet i mark<span class=\"_ _5\"></span>edsdata variere avhengig av hvorvidt det har v\u00e6rt omsetning for det aktuell<span class=\"_ _5\"></span>e instrumentet. Det vil derfor v\u00e6re </div><div class=\"t m2 x3f4 hcf y4285 ff243 fs55 fc21 sc0 lsaf wsf6\">naturlig at noen instrum<span class=\"_ _5\"></span>enter flyttes mellom niv\u00e5 2 og 3. Dette gjelder i hovedsak se<span class=\"wsd2\">rtifikater og s<span class=\"_ _5\"></span>tatsobligasjoner.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y4286 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y4287 ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 1:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 note<span class=\"_ _5\"></span>rte pris<span class=\"_ _5\"></span>er i akti<span class=\"_ _5\"></span>vt marke<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4288 ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 1 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som verdsettes ved bruk av noterte priser i aktive markeder for identiske eiendel<span class=\"_ _5\"></span>er eller for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4289 ff243 fs55 fc21 sc0 lsaf wsf6\">plikt<span class=\"_ _5\"></span>elser. I kategorien inng\u00e5r blant annet b\u00f8rsnoterte aksjer og fondsandeler, samt sertifik<span class=\"_ _5\"></span>ater og statsobligasjoner som omsettes i aktive </div><div class=\"t m2 x3f4 hcf y428a ff243 fs55 fc21 sc0 lsaf wscf\">markeder.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y428b ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y428c ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 2:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 obse<span class=\"_ _5\"></span>rverbar<span class=\"_ _5\"></span>e marke<span class=\"_ _5\"></span>dsdata<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y428d ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 2 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som verdsettes ved bruk av informasjon som ikke er noterte priser, men hvor priser er direkt<span class=\"_ _5\"></span>e eller </div><div class=\"t m2 x3f4 hcf y428e ff243 fs55 fc21 sc0 lsaf wsf6\">indirekt<span class=\"_ _5\"></span>e observerbare for eiendelene eller forplikt<span class=\"_ _5\"></span>elsene, inkludert noterte priser i ikke aktive markeder for i<span class=\"_ _5\"></span>dentiske eiendeler eller forpliktel<span class=\"_ _5\"></span>ser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y428f ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4290 ff243 fs55 fc21 sc0 lsaf wsf6\">I kategorien inng\u00e5r bl<span class=\"_ _5\"></span>ant annet interbankderivater som renteswapper, v<span class=\"_ _5\"></span>alutaswapper og terminkontrakter med prisnoteri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"wsd2\">Reuters eller </span></div><div class=\"t m2 x3f4 hcf y4291 ff243 fs55 fc21 sc0 lsaf wsf6\">Bloomberg, basisswapper mel<span class=\"_ _5\"></span>lom valutaslagene NOK, EUR, USD og GBP og rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og valutaderivat<span class=\"_ _5\"></span>er mot kunder <span class=\"_ _5\"></span>med uvesentlig k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y4292 ff243 fs55 fc21 sc0 lsaf wsf6\">margin. B\u00f8rsnotert<span class=\"_ _5\"></span>e opsjoner innplasseres i niv\u00e5 2 dersom det er mulig \u00e5 avlese eller inter<span class=\"ls0 ws0\">-</span>/ekstrapolere im<span class=\"_ _5\"></span>plisitt volatilitet med utgangs<span class=\"_ _5\"></span>punkt i </div><div class=\"t m2 x3f4 hcf y4293 ff243 fs55 fc21 sc0 lsaf wsf6\">observerbare pris<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y4294 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y4295 ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 3:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 anne<span class=\"_ _5\"></span>t enn obse<span class=\"_ _5\"></span>rverbar<span class=\"_ _5\"></span>e marke<span class=\"_ _5\"></span>dsdat<span class=\"_ _5\"></span>a<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4296 ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 3 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som ikke kan verdsettes basert p\u00e5 direkte eller indirekte observ<span class=\"_ _5\"></span>erbare priser.<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">For s<span class=\"_ _5\"></span>like instrument<span class=\"_ _5\"></span>er </span></div><div class=\"t m2 x3f4 hcf y4297 ff243 fs55 fc21 sc0 lsaf wsf6\">benyttes blant annet vurdering av eiendeler og gjeld i selskaper,<span class=\"_ _5\"></span> estimerte kontantstr\u00f8mmer og andre verdse<span class=\"wsd2\">ttelsesmodell<span class=\"_ _5\"></span>er der ves<span class=\"_ _5\"></span>entlige </span></div><div class=\"t m2 x3f4 hcf y4298 ff243 fs55 fc21 sc0 lsaf wscf\">para<span class=\"wsf6\">metere bygger p\u00e5 ikke<span class=\"ls0 ws0\">-</span>obs<span class=\"_ _5\"></span>erverbar input. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y4299 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y429a ff243 fs55 fc21 sc0 lsaf wsf6\">I kategorien inng\u00e5r bl<span class=\"_ _5\"></span>ant annet utl\u00e5n til kunder og instrumenter hvor kredittmarginer ut<span class=\"_ _5\"></span>gj\u00f8r en vesentlig del av justeringen til markedsverdi.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y429b ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y429c ff243 fs55 fc21 sc0 lsaf wsf6\">Gevinst eller t<span class=\"_ _5\"></span>ap som oppst\u00e5r n\u00e5r estimert virkelig verdi er forskjellig fra trans<span class=\"_ _5\"></span>aksjonsprisen (dag<span class=\"ls0 ws0\">-</span>en gevinst/ tap) har ikke hatt vesentlig effekt<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41de ff243 fs55 fc21 sc0 lsaf wsf6\">i regnskapet for hverken 20<span class=\"ls0 ws0\">2</span>5 eller 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">4.</span><span class=\"wscf\"> </span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 hcf y41df ff243 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></td><td class=\"c x410 y3e64 w382 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff244 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscb\">Short<span class=\"_ _5\"></span></span>-<span class=\"lsab wscd\">posisj<span class=\"_ _5\"></span>oner k<span class=\"_ _5\"></span>nyttet<span class=\"_ _5\"></span> til tra<span class=\"_ _5\"></span>dingvi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet</span><span class=\"lsab wscd\">.</span> </div></td><td></td><td></td><td></td><td></td></tr></table></div>Instrumen<span class=\"_ _5\"></span>tene i d<span class=\"_ _5\"></span>e ulike <span class=\"_ _5\"></span>niv\u00e5ene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Utl\u00e5<span class=\"_ _5\"></span>n til kunder (niv<span class=\"_ _5\"></span>\u00e5 3)<span class=\"ls0 ws0\"> </span>Utl\u00e5nene best\u00e5r i hoveds<span class=\"_ _5\"></span>ak av fastrenteutl\u00e5n i norske kroner. Verdien av fastrenteutl\u00e5nene f<span class=\"_ _5\"></span>astsettes ved at avtalte kontantstr\u00f8mmer ned<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>diskonteres over l\u00f8pet<span class=\"_ _5\"></span>iden med en diskonteringsfaktor som er justert for marginkrav<span class=\"_ _5\"></span>. Diskonteringsfaktoren som benytt<span class=\"_ _5\"></span>es tar utgangspunkt i en swaprente med en l\u00f8petid som tilsvarer gjennom<span class=\"_ _5\"></span>snittlig gjenv\u00e6rende bindingst<span class=\"_ _5\"></span>id p\u00e5 de aktuelle fastrenteutl\u00e5nene. F<span class=\"_ _5\"></span>orutsetninger for beregning av marginkravet er basert p\u00e5 en vurdering av markedsforholdene p\u00e5 bal<span class=\"_ _5\"></span>ansedagen og p\u00e5 en vurdering av hva en ekstern investor ville lagt til grunn ved investering i tilsvarende port<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span>Sertif<span class=\"_ _5\"></span>ikater og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner (niv\u00e5 2 og 3)<span class=\"ls0 ws0\"> </span>Verdivurderingen i<span class=\"_ _5\"></span> niv\u00e5 2 baseres i hovedsak p\u00e5 observerbar markedsinformasjon i form av rentekurver, valutakurs<span class=\"_ _5\"></span>er og kreditt<span class=\"wsd2\">marginer til<span class=\"_ _5\"></span> den </span>enkelte kreditt<span class=\"_ _5\"></span> og obligasjonens eller sertifikatets karakteris<span class=\"_ _5\"></span>tika. For papirer vurdert under niv\u00e5 3 baseres verdsettelsen p\u00e5 indik<span class=\"_ _5\"></span>ative priser fra tredje<span class=\"wsf6\">part ell<span class=\"_ _5\"></span>er sammenliknbare papirer. Investeringene i niv\u00e5 3 best\u00e5r i hovedsak av selskapsobligasjoner med begrens<span class=\"_ _5\"></span>et likviditet<span class=\"ls0 ws0\">. </span></span>Aksjer<span class=\"_ _1\"></span> inkl<span class=\"_ _1\"></span>usiv<span class=\"_ _1\"></span>e andel<span class=\"_ _1\"></span>er i fo<span class=\"_ _1\"></span>nd (<span class=\"_ _1\"></span>niv\u00e5 <span class=\"_ _1\"></span>2 og 3)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Aksjer i niv\u00e5 2 omfatter aksjefond hvor de underli<span class=\"_ _5\"></span>ggende investeringene er noterte aksjer, samt et mindre volum av andre fond<span class=\"wscf\">sandeler.<span class=\"_ _5\"></span> </span>Investeri<span class=\"_ _5\"></span>ngene i niv\u00e5 3 best\u00e5r av Private Equity<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">fond, eiendomsfond,<span class=\"_ _5\"></span> KS<span class=\"ls0 ws0\">-</span></span>andeler, ikke b\u00f8rsnot<span class=\"_ _5\"></span>erte hedgefond og ikke b\u00f8rsn<span class=\"wsd2\">oterte aksjer. Felles </span>for disse invest<span class=\"_ _5\"></span>eringene er at det er etterslep i tilgangen p\u00e5 informasjon fra enhetene. I tider med uro i finansmarkedene, v<span class=\"wsd2\">il <span class=\"_ _5\"></span>det kunne v\u00e6<span class=\"_ _5\"></span>re </span>betydeli<span class=\"_ _5\"></span>g usikkerhet knyttet til verdsettelsen av disse invest<span class=\"_ _5\"></span>eringene.<span class=\"ls0 ws0\"> </span>Ved f<span class=\"_ _5\"></span>astsettelse av vi<span class=\"_ _5\"></span>rkelig verdi for <span class=\"_ _5\"></span>Private Equi<span class=\"_ _5\"></span>ty<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">investeringer, PE, benytt<span class=\"_ _5\"></span>es en bransjestandard utarbeidet av European Private Equity &amp; </span>Venture Capit<span class=\"_ _5\"></span>al Association, EVCA. Metoden vurderes \u00e5 representere beste grunnlag for beste estim<span class=\"_ _5\"></span>at for virkelig verdi for investeringer i lite likvide egenkapit<span class=\"_ _5\"></span>alinstrumenter. Rapportering f<span class=\"_ _5\"></span>ra forvalterne om verdien av PE<span class=\"ls0 ws0\">-</span>fond p\u00e5 balansedagen mottas etter at konsernet har avlagt regn<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>skap. Verdivurderi<span class=\"_ _5\"></span>ngene i konsernregnskapet er derfor basert p\u00e5 verdsett<span class=\"_ _5\"></span>elser for tidligere perioder, justert for ti<span class=\"_ _5\"></span>dsetterslep i rapporteringen p\u00e5 om lag tre m\u00e5neder. Tidsettersl<span class=\"_ _5\"></span>epet fastsettes med utgangspunkt i utvikl<span class=\"_ _5\"></span>ingen i en vektet indeks best\u00e5ende av en parameter for aksje<span class=\"wscf\">markedet </span>representert ved MSCI World som referans<span class=\"_ _5\"></span>eindeks, og et parameter for forventet langsiktig avkastning p\u00e5 PE<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finan<span class=\"_ _1\"></span>siell<span class=\"_ _1\"></span>e eiend<span class=\"_ _1\"></span>eler, kun<span class=\"_ _1\"></span>der b<span class=\"_ _1\"></span>\u00e6rer risi<span class=\"_ _1\"></span>koen (n<span class=\"_ _1\"></span>iv\u00e5 2)<span class=\"ls0 ws0\"> </span>Posten gjelder unit link<span class=\"_ _5\"></span>ed produkter i DNB Livsforsikring. Verdiutvikl<span class=\"_ _5\"></span>ingen p\u00e5 de underliggende fondene er tilgjengeli<span class=\"_ _5\"></span>g p\u00e5 daglig basis.<span class=\"ls0 ws0\"> </span>Finan<span class=\"_ _1\"></span>siell<span class=\"_ _1\"></span>e deri<span class=\"_ _1\"></span>vater <span class=\"_ _1\"></span>(niv\u00e5 <span class=\"_ _1\"></span>2 og<span class=\"_ _1\"></span> 3)<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le derivater i niv\u00e5 2 omfatter i hovedsak valutaterminer og rente<span class=\"ls0 ws0\">- </span>og valutaswapper. V<span class=\"_ _5\"></span>erdsettelsen er basert p\u00e5 swapkurver, og kreditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>marginer utgj\u00f8<span class=\"_ _5\"></span>r en mindre del a<span class=\"_ _1\"></span>v verdien. I ti<span class=\"_ _5\"></span>llegg omfatter posten derivater knyttet til r\u00e5varer og FRAer. Disse er verds<span class=\"_ _5\"></span>att med utgangspunkt i observerbare pris<span class=\"_ _5\"></span>er i markedet. Derivater klassifisert i niv\u00e5 2 omfatter ogs\u00e5 aksjederiv<span class=\"_ _5\"></span>ater knyttet til DNB Carnegies market<span class=\"ls0 ws0\">-</span>making aktiv<span class=\"_ _5\"></span>iteter. Hoved<span class=\"wsf6\">delen av disse derivat<span class=\"_ _5\"></span>ene er kn<span class=\"_ _1\"></span>yt<span class=\"_ _5\"></span>tet opp mot de mest omsatte aksjene p\u00e5<span class=\"ls0 ws0\"> </span>Oslo B\u00f8rs, og verdsettelsen baseres p\u00e5 kursutvikli<span class=\"_ _5\"></span>ngen p\u00e5 den </span>aktuell<span class=\"_ _5\"></span>e/underliggende aksjen og observerbar eller beregnet volatil<span class=\"_ _5\"></span>itet. Finansielle derivater i niv\u00e5 3 best\u00e5r i det vesentli<span class=\"_ _5\"></span><span class=\"wsd2\">gste av val<span class=\"_ _5\"></span>utaopsjoner, </span>renteopsjoner i<span class=\"_ _5\"></span> norske kroner samt indeksderivater. Verdset<span class=\"_ _5\"></span>telsen er basert p\u00e5 indikative priser fra tredjepart.<span class=\"ls0 ws0\"> </span>Innsk<span class=\"_ _5\"></span>udd fra<span class=\"_ _5\"></span> kunder<span class=\"_ _5\"></span> (niv\u00e5<span class=\"_ _5\"></span> 2)<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>en av innskudd som vurderes til virkelig verdi omfatter i hovedsak innskudd med fast rente. Verdsettels<span class=\"_ _5\"></span>en er i hovedsak basert p\u00e5 m\u00e5ling mot en swapkurve, og effekten av endringer i kredittm<span class=\"_ _5\"></span>arginer i m\u00e5lingen er liten.<span class=\"ls0 ws0\"> </span>Verdi<span class=\"_ _5\"></span>papirgjel<span class=\"_ _5\"></span>d <span class=\"wsfd\">og etterst<span class=\"_ _5\"></span>ilte seni<span class=\"_ _5\"></span>orobligas<span class=\"_ _5\"></span>joner <span class=\"lsb8 ws10a\">(niv\u00e5 2)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span>Verdivurderingen bas<span class=\"_ _5\"></span>eres i hovedsak p\u00e5 observerbar markedsinformas<span class=\"_ _5\"></span>jon i form av rentekurver og kredittmarginer. Post<span class=\"_ _5\"></span>en best\u00e5r<span class=\"ls0 ws0\"> </span>i hovedsak av innl\u00e5n i norske kroner.<span class=\"ls0 ws0\"> </span>Ansva<span class=\"_ _1\"></span>rlig l<span class=\"_ _1\"></span>\u00e5nekap<span class=\"_ _1\"></span>ital<span class=\"_ _1\"></span> (niv\u00e5<span class=\"_ _1\"></span> 2)<span class=\"ls0 ws0\"> </span>Ansvarlige i<span class=\"_ _5\"></span>nnl\u00e5n som m\u00e5les til virkelig verdi best\u00e5r av innl\u00e5n i norske kroner, og verdsettelsen baseres p\u00e5 observerbare rentekurv<span class=\"_ _5\"></span>er og kredittmargi<span class=\"_ _5\"></span>ner.<table class=\"s w383 h4fe\" id=\"_d8f2fc09-57a6-48c0-90a1-f1b28150867a\"><tr><td class=\"c x3db y429e w152 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff24d fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x437 y429f w1b6 hd7\"><div class=\"t m2 x46 hcc y1db0 ff24e fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4db y429f w1b7 hd7\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x438 y42a0 w6e h13b\"><div class=\"t m2 x329 hcc y1db0 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y42a1 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a1 w6e hd7\"><div class=\"t m2 x227 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">og<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42a1 w6f hd7\"><div class=\"t m2 x329 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Finansi<span class=\"_ _5\"></span>elle<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4db y42a1 w1b7 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Finansi<span class=\"_ _5\"></span>elle<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a2 w152 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a2 w6f hd7\"><div class=\"t m2 x1ba hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a2 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42a2 w6e hd7\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td class=\"c x3dd y42a2 w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4db y42a2 w1b7 hd7\"><div class=\"t m2 x4f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a3 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 1. ja<span class=\"_ _5\"></span>nuar 2<span class=\"_ _5\"></span>023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a3 w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">42</span> <span class=\"lsab wscb\">099</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42a3 w6e hd9\"><div class=\"t m2 x1b5 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">385</span> </div></td><td class=\"c x436 y42a3 w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">015</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42a3 w6f hd9\"><div class=\"t m2 x2d7 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4dc y42a3 w1b9 hd9\"><div class=\"t m2 x20f hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">345</span> </div></td></tr><tr><td class=\"c x3db y42a4 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>esultatf<span class=\"_ _5\"></span>\u00f8rte <span class=\"_ _5\"></span>gevinste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a4 w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a4 w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x436 y42a4 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">535</span> </div></td><td class=\"c x3dd y42a4 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">214</span> </div></td><td class=\"c x4dc y42a4 w1b9 hde\"><div class=\"t m2 x20e hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a5 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span>/kj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a5 w6f hda\"><div class=\"t m2 x19e hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">890</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42a5 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">847</span> </div></td><td class=\"c x436 y42a5 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">960</span> </div></td><td class=\"c x3dd y42a5 w6f hda\"><div class=\"t m2 x2d7 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4dc y42a5 w1b9 hda\"><div class=\"t m2 x20f hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">664</span> </div></td></tr><tr><td class=\"c x3db y42a6 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Avhendi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a6 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">(501)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42a6 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">589</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42a7 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a7 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">491</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x438 y42a7 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42a7 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">284</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4dc y42a7 w1b9 hdb\"><div class=\"t m2 x1ab hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">883</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y42a8 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>rt fra ni<span class=\"_ _5\"></span>v\u00e5 1 el<span class=\"_ _5\"></span>ler 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a8 w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">29</span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42a9 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsa7 wsd1\">Overf\u00f8rt til niv\u00e5 1 eller 2<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a9 w6e hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscb\">(257)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42aa w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42aa w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x436 y42aa w6e hdb\"><div class=\"t m2 x134 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td></td><td></td></tr><tr><td class=\"c x3db y42ab w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ab w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42ab w6e hd9\"><div class=\"t m2 x1b5 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x436 y42ab w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42ab w6f hd9\"><div class=\"t m2 x2d7 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">434</span> </div></td><td class=\"c x4dc y42ab w1b9 hd9\"><div class=\"t m2 x20f hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3db y42ac w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>esultatf<span class=\"_ _5\"></span>\u00f8rte <span class=\"_ _5\"></span>gevinste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ac w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x438 y42ac w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x436 y42ac w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">(519)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42ac w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">390</span> </div></td><td class=\"c x4dc y42ac w1b9 hde\"><div class=\"t m2 x248 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">53</span> </div></td></tr><tr><td class=\"c x3db y42ad w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscd\">Oppkj\u00f8p<span class=\"_ _5\"></span> av Ca<span class=\"_ _5\"></span>rnegie<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y42ad w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">234</span> </div></td><td class=\"c x3dd y42ad w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">63</span> </div></td><td></td></tr><tr><td class=\"c x3db y42ae w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span>/kj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ae w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">227</span> </div></td><td class=\"c x438 y42ae w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">876</span> </div></td><td class=\"c x436 y42ae w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">222</span> </div></td><td class=\"c x3dd y42ae w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">841</span> </div></td><td class=\"c x4dc y42ae w1b9 hdb\"><div class=\"t m2 x1ba hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">878</span> </div></td></tr><tr><td class=\"c x3db y42af w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">Avhendi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42af w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">(710)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42af w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3dd y42af w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">(426)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y42b0 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42b0 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">156</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x438 y42b0 w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42b0 w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">168</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4dc y42b0 w1b9 hde\"><div class=\"t m2 x1ab hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">224</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y42b1 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>rt fra ni<span class=\"_ _5\"></span>v\u00e5 1 el<span class=\"_ _5\"></span>ler 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b1 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">170</span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42b2 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsd1\">Overf\u00f8rt til niv\u00e5 1 eller 2<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b2 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">096</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x436 y42b2 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42b3 w152 h11a\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b3 w6e h11a\"><div class=\"t m2 x249 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42b3 w6e h11a\"><div class=\"t m2 x1e3 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td class=\"c x3dd y42b3 w6f h11a\"><div class=\"t m2 x249 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dc y42b3 w1b9 h11a\"><div class=\"t m2 x248 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">25</span> </div></td></tr><tr><td class=\"c x3db y42b4 w152 hd9\"><div class=\"t m2 x19f hdc y1da9 ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42b4 w6f hd9\"><div class=\"t m2 x19e hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42b4 w6e hd9\"><div class=\"t m2 x1b5 hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x436 y42b4 w6e hd9\"><div class=\"t m2 x19e hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42b4 w6f hd9\"><div class=\"t m2 x2d7 hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">114</span> </div></td><td class=\"c x4dc y42b4 w1b9 hd9\"><div class=\"t m2 x20f hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">826</span> </div></td></tr></table><table class=\"s w384 h4ff\" id=\"_aa37b9c7-c3aa-451f-ba99-36245f76c16c\"><tr><td class=\"c x3db y42b5 w1ba h136\"><div class=\"t m2 x19f hd1 y200d ff24d fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av virkelig verdi, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4dd y42b6 w10f hd7\"><div class=\"t m2 x9f hcc y2c9a ff24e fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y42b6 w10f hd7\"><div class=\"t m2 x9f hcc y2c9a ff24e fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x4de y42b7 w6e h13b\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y42b7 w6f h13b\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4dd y42b8 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42b8 w6e hd7\"><div class=\"t m2 x227 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">og <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x436 y42b8 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42b8 w6f hd7\"><div class=\"t m2 x227 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">og <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y42b9 w1bb hd7\"><div class=\"t m2 x19f hd8 y1da9 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42b9 w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42b9 w6e hd7\"><div class=\"t m2 x1bc hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4df y42b9 w6f hd7\"><div class=\"t m2 x2d7 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td class=\"c x436 y42b9 w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42b9 w6f hd7\"><div class=\"t m2 x1bc hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42b9 w6e hd7\"><div class=\"t m2 x2d7 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td></tr><tr><td class=\"c x3db y42ba w1bb hd9\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsd1\">Nominell verdi/kostpris<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">47</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4de y42ba w6e hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">726</span> </div></td><td class=\"c x4df y42ba w6f hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">55</span> <span class=\"lsab wscb\">108</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42ba w6f hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">528</span> </div></td><td class=\"c x3de y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">846</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y42bb w1bb hdb\"><div class=\"t m2 x19f hcc y200f ff24e fs53 fc21 sc0 lsa7 wsd1\">Virkelig verdi justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bb w6e hdb\"><div class=\"t m2 x19e hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">068</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4de y42bb w6e hdb\"><div class=\"t m2 x1e3 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x4df y42bb w6f hdb\"><div class=\"t m2 x2d7 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">540</span> </div></td><td class=\"c x436 y42bb w6e hdb\"><div class=\"t m2 x19e hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">772</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3dd y42bb w6f hdb\"><div class=\"t m2 xf9 hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42bb w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">074</span> </div></td></tr><tr><td class=\"c x3db y42bc w1bb hda\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wsd0\">P\u00e5l\u00f8pte re<span class=\"_ _5\"></span>nter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">87</span> </div></td><td class=\"c x4de y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td></td><td class=\"c x436 y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">95</span> </div></td><td class=\"c x3dd y42bc w6f hda\"><div class=\"t m2 x134 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td></tr><tr><td class=\"c x3db y42bd w1bb hd9\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4de y42bd w6e hd9\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4df y42bd w6f hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">432</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42bd w6f hd9\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x3de y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table><table class=\"s w326 h500\" id=\"_fd024ea7-42b8-4cb6-845d-7853122ec7e9\"><tr><td class=\"c x3db y42be w1bb h136\"><div class=\"t m2 x19f hd1 y2036 ff24d fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av aksjer, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x436 y42bf w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4dd y42c0 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Eiendom<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x4de y42c0 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Hedge<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> <span class=\"_ _5\"></span> </span></div></td><td class=\"c x4df y42c0 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Unotert<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42c0 w6e hd7\"><div class=\"t m2 x44 hcc y1da9 ff24e fs53 fc21 sc0 lsa8 ws6b\">Equity (<span class=\"_ _1\"></span>PE) <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42c1 w1bb hd7\"><div class=\"t m2 x19f hd8 y1da9 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c1 w6e hd7\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">fond <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42c1 w6e hd7\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">fond <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4df y42c1 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">aksjer  </div></td><td class=\"c x436 y42c1 w6e hd7\"><div class=\"t m2 x20a hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">investeri<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42c1 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Annet <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42c1 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42c2 w1bb hdd\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi per<span class=\"_ _5\"></span> 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c2 w6e hdd\"><div class=\"t m2 x134 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x4de y42c2 w6e hdd\"><div class=\"t m2 x1b5 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x4df y42c2 w6f hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x436 y42c2 w6e hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">973</span> </div></td><td class=\"c x3dd y42c2 w6f hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">634</span> </div></td><td class=\"c x3de y42c2 w6e hdd\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y42c3 w1bb hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi per<span class=\"_ _5\"></span> 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c3 w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x4de y42c3 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">702</span> </div></td><td class=\"c x4df y42c3 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">291</span> </div></td><td class=\"c x436 y42c3 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">366</span> </div></td><td class=\"c x3dd y42c3 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">558</span> </div></td><td class=\"c x3de y42c3 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table>Sensitvi<span class=\"_ _5\"></span>tetsanalyse, niv\u00e5 3<span class=\"ls0 ws0\"> </span>En \u00f8kning i diskonterings<span class=\"_ _5\"></span>renten p\u00e5 fastrenteutl\u00e5n med 10 basispunkter vil redusere vi<span class=\"_ _5\"></span>rkelig verdi av utl\u00e5n til kunder med 100<span class=\"ls0 ws0\"> </span>millioner kroner per 31. desember 2025 (136 millioner per 31. desember 2024).<span class=\"_ _5\"></span> Effektene p\u00e5 andre instrumenter i niv\u00e5 3 er ikke ve<span class=\"_ _1\"></span>s<span class=\"_ _5\"></span><span class=\"wscf\">entlige. <span class=\"ls0 ws0\"> </span></span>Aksjer klassif<span class=\"_ _5\"></span>isert i niv\u00e5 3 omfatter til sammen 11 731 millioner kroner i Private Equity<span class=\"ls0 ws0\">-</span>investeringer, eiendoms<span class=\"_ _5\"></span>fond, hedgefond og unoterte aksjer i DNB Livsforsik<span class=\"_ _5\"></span>ring per 31. desember 2025. Verdsettelsene er i all hovedsak basert p\u00e5 rapportering fra f<span class=\"_ _5\"></span>orvaltere av fondene, som benytter kontantst<span class=\"_ _5\"></span>r\u00f8mbaserte modeller eller multi<span class=\"_ _5\"></span>pler ved fastsettelse av virkelig verdi. Konsernet har ikke ful<span class=\"_ _5\"></span>l tilgang til<span class=\"ls0 ws0\"> </span>inform<span class=\"_ _5\"></span>asjon om alle elementene i disse verdsett<span class=\"_ _5\"></span>elsene og har derfor ikke grunnlag for \u00e5 fastsette alternative forutsetninger.<span class=\"_ _5\"></span> Effekten p\u00e5 konsernets result<span class=\"_ _5\"></span>at av alternativ<span class=\"_ _5\"></span>e verdier vil imidlertid v\u00e6re begrenset da investeri<span class=\"_ _5\"></span>ngene eies av DNB Livsforsikring i kollektivportef\u00f8<span class=\"_ _5\"></span>ljen<span class=\"_ _1c5\"> </span>.<div class=\"c w111 h1ee gs18e\"><div class=\"t m2 x248 hcf y2c49 ff253 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2c4a ff254 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2c4b ff253 fs55 fc21 sc0 lsaf wscf\">Motregning<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2c4c ff253 fs55 fc21 sc0 lsaf wscf\">Masternett<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">avtaler, sikrede posisjoner ell<span class=\"_ _5\"></span>er tilsvarende avtaler gir rett til motregning ved mislighol<span class=\"_ _5\"></span>d. En slik avtale reduserer konsernets </span></div><div class=\"t m2 x248 hcf y2c4d ff253 fs55 fc21 sc0 lsaf wsd2\">eksponering v<span class=\"_ _5\"></span>ed mislig<span class=\"wsf6\">hold, m<span class=\"_ _5\"></span>en <span class=\"_ _1\"></span>er ikke p\u00e5 egen h\u00e5nd tilstrekk<span class=\"_ _5\"></span>elig for \u00e5 tilfredsstille kravene ett<span class=\"_ _5\"></span>er IFRS for<span class=\"ls0 ws0\"> </span>motregning i balansen, siden det </span></div><div class=\"t m2 x248 hcf y2c4e ff253 fs55 fc21 sc0 lsaf wsf6\">ogs\u00e5 er et krav om at<span class=\"ls0 ws0\"> </span>det foreligger en juridisk h\u00e5ndhevbar rett, og at<span class=\"ls0 ws0\"> </span>m<span class=\"_ _5\"></span>an l\u00f8pende har til hensikt \u00e5 gj\u00f8re opp kontrakts<span class=\"wscf\">messige </span></div><div class=\"t m2 x248 hcf y2c4f ff253 fs55 fc21 sc0 lsaf wsf6\">kontantst<span class=\"_ _5\"></span>r\u00f8mmer netto. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2c50 ff253 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 he2 y2c51 ff253 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2c52 ff253 fs55 fc21 sc0 lsaf wsf6\">Tabellen viser potens<span class=\"_ _5\"></span>iell effekt av konsernets motregningsavtaler p\u00e5 finans<span class=\"_ _5\"></span>ielle eiendeler og gjeld. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2c53 ff253 fs56 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs18f\"><table class=\"s w385 h501\" id=\"_2e331ccc-04be-4f92-897c-f22142bfe5b2\"><tr><td></td><td class=\"c x4cd y42c4 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">Brutto <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42c4 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p som<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y42c4 w6e hd7\"><div class=\"t m2 x4f hcc y1da9 ff253 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p ett<span class=\"_ _5\"></span>er <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4cd y42c5 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x4d4 y42c5 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">motregne<span class=\"_ _5\"></span>s <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42c5 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x46c y42c5 w6f hd7\"><div class=\"t m2 x1b9 hcc y1da9 ff253 fs53 fc21 sc0 lsaa wscd\">Netting<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x44e y42c5 w6e hd7\"><div class=\"t m2 x1b8 hcc y1da9 ff253 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42c5 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">mulige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42c6 w10c hd7\"><div class=\"t m2 x19f hd8 y1da9 ff255 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y42c6 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsb2 wsf2\">f\u00f8rt ve<span class=\"_ _5\"></span>rdi <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4e1 y42c7 w386 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">i balans<span class=\"_ _5\"></span>en</div><div class=\"t m2 x4e0 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46b y42c6 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsb2 wsf2\">f\u00f8rt ve<span class=\"_ _5\"></span>rdi <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42c6 w6f hd7\"><div class=\"t m2 x20e hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">avtaler <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4e3 y42c7 w387 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscb\">sikkerhet</div><div class=\"t m2 x4e2 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46d y42c6 w6e hd7\"><div class=\"t m2 xd9 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">nettoo<span class=\"_ _5\"></span>ppgj\u00f8r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42c8 w10c h119\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dab ff254 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y42c9 w388 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e4 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42ca w6f hde\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>849<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42ca w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>849<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42ca w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>849<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42cb w389 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner</div><div class=\"t m2 x4e5 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42cc w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span>158<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42cc w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42cc w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">93<span class=\"ls0 ws0\"> </span>790<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42cc w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">93<span class=\"ls0 ws0\"> </span>790<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42cd w38a h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e6 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42ce w6f hda\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42ce w6e hda\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42ce w6e hda\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42cf w38b h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d0 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42d0 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42d0 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>476<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42d0 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>888<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42d0 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>475<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42d1 w10c h119\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dab ff254 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y42d2 w38c h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x4e8 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d3 w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">211<span class=\"ls0 ws0\"> </span>369<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42d3 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42d3 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">161<span class=\"ls0 ws0\"> </span>000<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42d3 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">161<span class=\"ls0 ws0\"> </span>000<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42d4 w38d h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under</div><div class=\"t m2 x4e9 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d5 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>707<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42d5 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>707<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42d5 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>707<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42d6 w38b h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d7 w6f hda\"><div class=\"t m2 x247 hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42d7 w6e hda\"><div class=\"t m2 x247 hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42d7 w6f hda\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>476<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42d7 w6e hda\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42d7 w6e hda\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>030<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42d8 w10c h11e\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dab ff254 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y42d9 w388 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e4 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42da w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff253 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x46b y42da w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff253 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x44e y42da w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff253 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">096</span> </div></td><td></td></tr><tr><td class=\"c x46f y42db w389 h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner</div><div class=\"t m2 x4e5 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42dc w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">206<span class=\"ls0 ws0\"> </span>034<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42dc w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>879<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42dc w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>155<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42dc w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>155<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42dd w38a h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e6 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42de w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span>311<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42de w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span>311<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42de w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span>311<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42df w38b h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e0 w6f hda\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42e0 w6e hda\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42e0 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>357<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42e0 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>663<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42e0 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">43<span class=\"ls0 ws0\"> </span>124<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42e1 w10c h11e\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dc8 ff254 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y4140 w38c h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x4e8 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e2 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">135<span class=\"ls0 ws0\"> </span>550<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42e2 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>879<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42e2 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>671<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42e2 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>671<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42e3 w38d h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under</div><div class=\"t m2 x4e9 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e4 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>491<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42e4 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>491<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42e4 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>491<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42e5 w38b h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e6 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42e6 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42e6 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>357<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42e6 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>709<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42e6 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>965<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y4144 w38e h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Kom<span class=\"_ _5\"></span>binerte<span class=\"_ _5\"></span> gjenkj<span class=\"_ _5\"></span>\u00f8ps<span class=\"lsb2 wsf1\">- </span>o<span class=\"_ _5\"></span>g gjens<span class=\"_ _5\"></span>algs<span class=\"_ _5\"></span>avtaler m<span class=\"_ _5\"></span>ed f<span class=\"_ _5\"></span>orm\u00e5l om<span class=\"_ _5\"></span> \u00e5 utv<span class=\"_ _5\"></span>eksle<span class=\"_ _5\"></span> underli<span class=\"_ _5\"></span>ggende <span class=\"_ _5\"></span>sikke<span class=\"_ _5\"></span>rhet.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4173 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4173 w38f h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> konta<span class=\"_ _5\"></span>nter <span class=\"_ _5\"></span>og verdi<span class=\"_ _5\"></span>papir<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> er mott<span class=\"_ _5\"></span>att/ove<span class=\"_ _5\"></span>rf\u00f8rt f<span class=\"_ _5\"></span>ra/til m<span class=\"_ _5\"></span>otpa<span class=\"_ _5\"></span>rt og v<span class=\"_ _5\"></span>erdipapi<span class=\"_ _5\"></span>rer som<span class=\"_ _5\"></span> er m<span class=\"_ _5\"></span>ottatt/<span class=\"_ _5\"></span>avgitt s<span class=\"_ _5\"></span>om si<span class=\"_ _5\"></span>kkerhet i<span class=\"_ _5\"></span> oppgj\u00f8r<span class=\"_ _5\"></span>ssentr<span class=\"_ _5\"></span>al.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x4c2 y4146 w390 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Inkluderer gje<span class=\"_ _5\"></span>nkj<span class=\"_ _5\"></span>\u00f8psavtal<span class=\"_ _5\"></span>er og gj<span class=\"_ _5\"></span>ens<span class=\"_ _5\"></span>algsavtal<span class=\"_ _5\"></span>er, ve<span class=\"_ _5\"></span>rdipapi<span class=\"_ _5\"></span>rinnl<span class=\"_ _5\"></span>\u00e5n og u<span class=\"_ _5\"></span>tl\u00e5n m<span class=\"_ _5\"></span>ed sik<span class=\"_ _5\"></span>kerhet<span class=\"_ _5\"></span> i verdi<span class=\"_ _5\"></span>papire<span class=\"_ _5\"></span>r.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">4<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x421 y3ea2 w391 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Brutt<span class=\"_ _5\"></span>o bal<span class=\"_ _5\"></span>ansef\u00f8r<span class=\"_ _5\"></span>t verdi<span class=\"_ _5\"></span> av fi<span class=\"_ _5\"></span>nansiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater v<span class=\"_ _5\"></span>iser m<span class=\"_ _5\"></span>arkeds<span class=\"_ _5\"></span>verdi<span class=\"_ _5\"></span>en av deri<span class=\"_ _5\"></span>va<span class=\"_ _5\"></span>tkontrak<span class=\"_ _5\"></span>ter omfa<span class=\"_ _5\"></span>ttet av<span class=\"_ _5\"></span> motr<span class=\"_ _5\"></span>egning<span class=\"_ _5\"></span>savtal<span class=\"_ _5\"></span>er eller si<span class=\"_ _5\"></span>kret<span class=\"_ _5\"></span> med kont<span class=\"_ _5\"></span>anter<span class=\"_ _5\"></span> og ve<span class=\"_ _5\"></span>rdi<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x42c y3e64 w392 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">papire<span class=\"_ _5\"></span>r under C<span class=\"_ _5\"></span>redit S<span class=\"_ _5\"></span>upp<span class=\"_ _5\"></span>ort Ann<span class=\"_ _5\"></span>ex.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K30 Mo<span class=\"_ _1\"></span>tregning<span class=\"_ _1c5\"> </span></div>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Gjenkj\u00f8ps<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsd2\">og salgsavtaler <span class=\"ls0 ws0\"> </span></span>DNB inng\u00e5r gjenkj\u00f8ps<span class=\"lsc1 wsce\">- </span>og salgs<span class=\"_ _5\"></span>avtaler hvor verdipapirer kan bli l\u00e5nt eller solgt, med en betingelse om \u00e5 gjenkj\u00f8pe dem til en fast pris og p\u00e5 en forh\u00e5ndsbestem<span class=\"_ _5\"></span>t dato. Slike v<span class=\"_ _5\"></span>erdipapirer er i<span class=\"_ _5\"></span>kke fraregnet<span class=\"lsc4 ws115\">. </span>Tilsvarende,<span class=\"_ _5\"></span> hvor konsernet l\u00e5ner eller kj\u00f8per verdipapirer med en betingels<span class=\"_ _5\"></span>e om \u00e5 <span class=\"_ _1\"></span>selge diss<span class=\"_ _5\"></span>e tilbake (salgsavtaler), er ver<span class=\"wscf\">di</span>papirene ikke innregnet i balansen.<span class=\"ls0 ws0\"> </span>Verdipapirinnl\u00e5n og <span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">utl\u00e5n<span class=\"ls0 ws0\"> </span></span>Verdipapirinnl\u00e5ns<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">og utl\u00e5nstrans<span class=\"_ _5\"></span>aksjoner er inng\u00e5tt med basis i sikkerhetsstil<span class=\"_ _5\"></span>lelse. Kontanter gitt som sikkerhet er fraregnet fra bal<span class=\"_ _5\"></span>ansen, og<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">en </span></span></span>tilh\u00f8rende f<span class=\"_ _5\"></span>ordring er innregnet. Kontanter mottatt som sikkerhet er innregnet i balans<span class=\"_ _5\"></span>en, og en tilh\u00f8rende <span class=\"wscf\">for<span class=\"wsd2\">pliktelse for <span class=\"_ _5\"></span>tilbakelevering er </span></span>innregnet. V<span class=\"_ _5\"></span>erdipapirer l\u00e5nt ut forblir p\u00e5 balansen. L\u00e5nte verdipapirer er ikk<span class=\"_ _5\"></span>e balansef\u00f8rt som eiendeler. N\u00e5r l\u00e5nte verdipap<span class=\"wsd2\">irer <span class=\"_ _5\"></span>er solgt bl<span class=\"_ _5\"></span>ir et </span>bel\u00f8p tilsvarende den virk<span class=\"_ _5\"></span>elige verdien av verdipapirene innregnet<span class=\"_ _5\"></span> som e<span class=\"wsd2\">n forpliktelse.<span class=\"_ _1c5\"> </span></span><table class=\"s w394 h503\" id=\"_b2424f57-560c-40ef-a5a0-215df7fd052a\"><tr><td class=\"c x400 y42eb w71 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff25f fs55 fc21 sc0 lsaf wsf6\">Overf\u00f8rte eiend<span class=\"_ _5\"></span>eler som fortsatt balansef\u00f8res<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42ec w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff261 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42ec w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42ec w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42ed w71 h16d\"><div class=\"t m2 x19f hdc y1da9 ff25f fs53 fc21 sc0 lsab wscb\">Gjenkj<span class=\"_ _5\"></span>\u00f8psavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42ee w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42ee w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>469<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42ee w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>119<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42ef w71 h225\"><div class=\"t m2 x19f hdc y1da9 ff25f fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>antesikr<span class=\"_ _5\"></span>ede i<span class=\"_ _5\"></span>nnsk<span class=\"_ _5\"></span>udd enn <span class=\"_ _5\"></span>gjenkj<span class=\"_ _5\"></span>\u00f8psav<span class=\"_ _5\"></span>taler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42f0 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f0 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>914<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff260 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">098</span> </div></td></tr><tr><td class=\"c x400 y42f1 w71 hd9\"><div class=\"t m2 x19f hcc y200f ff260 fs53 fc21 sc0 lsab wscd\">Sum gjen<span class=\"_ _5\"></span>kj\u00f8psav<span class=\"_ _5\"></span>tal<span class=\"_ _5\"></span>er, deri<span class=\"_ _5\"></span>vater<span class=\"_ _5\"></span> og ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rutl\u00e5<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f1 w6f hd9\"><div class=\"t m2 x1ba hcc y200f ff260 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>382<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f1 w6e hd9\"><div class=\"t m2 x1ba hcc y200f ff260 fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>217<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42f2 w71 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff25f fs55 fc21 sc0 lsaf wsf6\">Forpliktel<span class=\"_ _5\"></span>ser tilknyttet eiendelene<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42f3 w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff261 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f3 w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f3 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42f4 w71 h16d\"><div class=\"t m2 x19f hdc y1da9 ff25f fs53 fc21 sc0 lsab wscb\">Gjenkj<span class=\"_ _5\"></span>\u00f8psavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f4 w6f h16d\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>728<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f4 w6e h16d\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42f5 w71 h1e7\"><div class=\"t m2 x19f hdc y1db0 ff25f fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>antesikr<span class=\"_ _5\"></span>ede i<span class=\"_ _5\"></span>nnsk<span class=\"_ _5\"></span>udd enn <span class=\"_ _5\"></span>gjenkj<span class=\"_ _5\"></span>\u00f8psav<span class=\"_ _5\"></span>taler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f5 w6f h1e7\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>914<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f5 w6e h1e7\"><div class=\"t m2 x248 hcc y1db0 ff260 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">098</span> </div></td></tr><tr><td class=\"c x400 y42f6 w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff260 fs53 fc21 sc0 lsab wscd\">Sum for<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f6 w6f hd9\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>642<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f6 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>696<span class=\"ls0 ws0\"> </span></div></td></tr></table>Restriksjo<span class=\"_ _5\"></span>ner fo<span class=\"_ _5\"></span>r konsern<span class=\"_ _5\"></span>ets adgan<span class=\"_ _5\"></span>g til <span class=\"_ _5\"></span>\u00e5 bruke ei<span class=\"_ _5\"></span>end<span class=\"_ _5\"></span>eler<span class=\"ls0 ws0\"> </span>Lokale <span class=\"_ _5\"></span>lovregulerte kapit<span class=\"_ _5\"></span>alkrav<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">kan medf\u00f8re at DNB<span class=\"ls0 ws0\">-</span>konsernet ikke kan disponere eller overf\u00f8re ei<span class=\"_ _5\"></span>endeler og gj\u00f8re opp gjeld fritt mellom </span>enhetene i k<span class=\"_ _5\"></span>onsernet. <span class=\"ls0 ws0\"> </span>Det foreligger f\u00f8l<span class=\"_ _5\"></span>gende restriksjoner for konsernets adgang til \u00e5 bruke eiendeler:<span class=\"ls0 ws0\"> </span><span class=\"ff260\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Konsernet har stilt ei<span class=\"_ _5\"></span>endeler som sikkerhet for sine forpliktelser og utstedt<span class=\"_ _5\"></span>e obligasjoner med fortrinnsrett (sikk<span class=\"_ _5\"></span>erhetsmass<span class=\"wsd2\">e). Kons<span class=\"_ _5\"></span>ernet har </span></span></span>stilt sikkerhet<span class=\"_ _5\"></span> for forpliktelser i finansielle derivat<span class=\"_ _5\"></span>er. Se note K16 Finansielle derivater og sikringsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>f<span class=\"_ _5\"></span>or mer informasjon.<span class=\"ls0 ws0\"> </span><span class=\"ff260\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene i konsoli<span class=\"_ _5\"></span>derte strukturerte enheter (investeri<span class=\"_ _5\"></span>ngsfond) forvaltes p\u00e5 vegne av andre parter som har kj\u00f8pt andeler i <span class=\"wscf\">fondene. </span></span></span>Minoritet<span class=\"_ _5\"></span>ens eiendeler i slike fond utgjorde henholdsvis 2 372 og 1 966 millioner kroner ved utgangen av 2025 og 2024. Det<span class=\"ls0 ws0\"> </span>er innregnet en tilsvarende forpli<span class=\"_ _5\"></span>ktelse p\u00e5 balansen.<span class=\"ls0 ws0\"> </span><span class=\"ff260\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene s<span class=\"_ _5\"></span>om forvaltes av DNB <span class=\"_ _1\"></span>Livsf<span class=\"_ _5\"></span>orsikring AS, dekker hovedsakelig forplikt<span class=\"_ _5\"></span>elser til selskapenes forsikringsk<span class=\"_ _5\"></span>under. Ved utgangen av </span></span>2025 utgjorde de samlede eiendelene i DNB Livsfors<span class=\"_ _5\"></span>ikring<span class=\"ls0 ws0\"> </span>459 300 millioner kroner, mot 418 436 millioner ved utgangen av 2024. Eiendelene inkluderer F<span class=\"_ _5\"></span>inansielle eiendeler, k<span class=\"_ _5\"></span>unden b\u00e6rer risikoen.<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K32 Ov<span class=\"_ _1\"></span>erf\u00f8rte eiendeler eller eiendeler med andre r<span class=\"_ _1\"></span>estrik<span class=\"_ _1\"></span>sjoner<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w395 h504\" id=\"_46833c4c-f774-4b7a-96c1-84a658dd32cd\"><tr><td class=\"c x443 y42f7 w111 h20f\"><div class=\"t m2 x248 h12c y2cfd ff26a fs59 fc21 sc0 lsb8 wsfe\">Sikker<span class=\"_ _1\"></span>hetsm<span class=\"_ _1\"></span>asse D<span class=\"_ _1\"></span>NB Bo<span class=\"_ _1\"></span>ligkr<span class=\"_ _1\"></span>editt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4ea y42f8 w1c5 hda\"><div class=\"t m2 x19f hd8 y1dae ff26b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42f8 w6e hda\"><div class=\"t m2 x20f hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42f8 w6e hda\"><div class=\"t m2 x20f hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42f9 w1c5 h11f\"><div class=\"t m2 x19f hcc y1db0 ff269 fs53 fc21 sc0 lsab wscd\">L\u00e5n sikr<span class=\"_ _5\"></span>et ved <span class=\"_ _5\"></span>pant i <span class=\"_ _5\"></span>bolig,<span class=\"_ _5\"></span> atkoms<span class=\"_ _5\"></span>tdok<span class=\"_ _5\"></span>ument ti<span class=\"_ _5\"></span>l bolig <span class=\"_ _5\"></span>eller<span class=\"_ _5\"></span> boretts<span class=\"_ _5\"></span>lagsa<span class=\"_ _5\"></span>ndel (<span class=\"_ _5\"></span>bolighy<span class=\"_ _5\"></span>potekl<span class=\"_ _5\"></span>\u00e5n)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42f9 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff269 fs53 fc21 sc0 lsab wscb\">735<span class=\"ls0 ws0\"> </span>727<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42f9 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff269 fs53 fc21 sc0 lsab wscb\">723<span class=\"ls0 ws0\"> </span>955<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ee y42fa w396 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff269 fs53 fc21 sc0 lsab wscd\">Fordring<span class=\"_ _5\"></span>er i fo<span class=\"_ _5\"></span>rm av <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>avtal<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4ed h121 y3ebb ff269 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4eb y42fb w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>435<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42fb w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>996<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42fc w1c5 h13b\"><div class=\"t m2 x19f hcc y1dc1 ff269 fs53 fc21 sc0 ls0 ws0\">Sikkerhetsmasse<span class=\"_ _5\"></span> </div></td><td class=\"c x4eb y42fc w6e h13b\"><div class=\"t m2 x247 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">775<span class=\"ls0 ws0\"> </span>161<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42fc w6e h13b\"><div class=\"t m2 x247 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">763<span class=\"ls0 ws0\"> </span>951<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42fd w1c5 hda\"><div class=\"t m2 x19f hcc y1dae ff269 fs53 fc21 sc0 lsab wscd\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d, bo<span class=\"_ _5\"></span>kf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42fd w6e hda\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">509<span class=\"ls0 ws0\"> </span>399<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42fd w6e hda\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">472<span class=\"ls0 ws0\"> </span>378<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42fe w1c5 hdb\"><div class=\"t m2 x19f hcc y1db0 ff269 fs53 fc21 sc0 lsab wscd\">Verdivur<span class=\"_ _5\"></span>dering<span class=\"_ _5\"></span>sendri<span class=\"_ _5\"></span>nger s<span class=\"_ _5\"></span>om ka<span class=\"_ _5\"></span>n henf<span class=\"_ _5\"></span>\u00f8res til k<span class=\"_ _5\"></span>reditt<span class=\"_ _5\"></span>risiko <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d bokf<span class=\"_ _5\"></span>\u00f8rt til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42fe w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff269 fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x4ec y42fe w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff269 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ee y42ff w397 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff269 fs53 fc21 sc0 lsab wscd\">Gjeld i<span class=\"_ _5\"></span> form av <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>avt<span class=\"_ _5\"></span>aler</div><div class=\"t m2 x4ef h121 y3ebb ff269 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4eb y4300 w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>864<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4300 w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>343<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ee y4301 w398 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff269 fs53 fc21 sc0 lsab wscd\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d, ve<span class=\"_ _5\"></span>rdi i he<span class=\"_ _5\"></span>nhold til<span class=\"_ _5\"></span> fors<span class=\"_ _5\"></span>krift</div><div class=\"t m2 x4f0 h121 y3ebb ff269 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4eb y4302 w6e h151\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">530<span class=\"ls0 ws0\"> </span>264<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4302 w6e h151\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">491<span class=\"ls0 ws0\"> </span>737<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y4303 w1c5 h136\"><div class=\"t m2 x19f hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>hetsma<span class=\"_ _5\"></span>ssens fyl<span class=\"_ _5\"></span>lings<span class=\"_ _5\"></span>grad <span class=\"_ _5\"></span>(prose<span class=\"_ _5\"></span>nt)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y4303 w6e h136\"><div class=\"t m2 x248 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">146,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4303 w6e h136\"><div class=\"t m2 x248 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">155,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4304 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff26b fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4304 w399 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff26b fs53 fc21 sc0 lsab wscd\">Utste<span class=\"_ _5\"></span>dt ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjeld<span class=\"_ _5\"></span> er obl<span class=\"_ _5\"></span>igasjon<span class=\"_ _5\"></span>er <span class=\"_ _5\"></span>med fortri<span class=\"_ _5\"></span>nns<span class=\"_ _5\"></span>rett i <span class=\"_ _5\"></span>den tilh<span class=\"_ _5\"></span>\u00f8rende s<span class=\"_ _5\"></span>ikke<span class=\"_ _5\"></span>rhetsm<span class=\"_ _5\"></span>asse<span class=\"_ _5\"></span>n. Samm<span class=\"_ _5\"></span>enset<span class=\"_ _5\"></span>ningen<span class=\"_ _5\"></span> og ve<span class=\"_ _5\"></span>rdibere<span class=\"_ _5\"></span>gninge<span class=\"_ _5\"></span>n i sikk<span class=\"_ _5\"></span>erhets<span class=\"_ _5\"></span>mass<span class=\"_ _5\"></span>en er<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x42c y3e64 w39a h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff26b fs53 fc21 sc0 lsab wscd\">definer<span class=\"_ _5\"></span>t i par<span class=\"_ _5\"></span>agraf 11<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>8 og<span class=\"_ _5\"></span> 11<span class=\"ls0 ws0\">-</span>11 i fi<span class=\"_ _5\"></span>nan<span class=\"_ _5\"></span>sforeta<span class=\"_ _5\"></span>kslov<span class=\"_ _5\"></span>en med ti<span class=\"_ _5\"></span>lh\u00f8<span class=\"_ _5\"></span>rende fo<span class=\"_ _5\"></span>rskrif<span class=\"_ _5\"></span>ter.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table></div><div class=\"gsd3\"><table class=\"s w3bf h51b\" id=\"_ab20ed98-5533-410d-a36d-dec0b74d8e38\"><tr><td class=\"c x425 y4420 w1e4 h136\"><div class=\"t m2 x19f hd1 y200d ff2b6 fs55 fc21 sc0 lsae wsce\">Endringer i<span class=\"_ _1\"></span> verdipapirg<span class=\"_ _1\"></span>jeld<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x51a y4421 w1e5 hd7\"><div class=\"t m2 x4f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t/<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y4421 w1e6 hd7\"><div class=\"t m2 x266 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4421 w1e7 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x51b y4422 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51c y4422 w1e7 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsaa wscd\">Emittert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51a y4422 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y4422 w1e6 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4422 w1e7 hd7\"><div class=\"t m2 x1e5 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4422 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4423 w1e4 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff2b7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x51b y4423 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51c y4423 w1e7 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51a y4423 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y4423 w1e6 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4423 w1e7 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4423 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4424 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>atgjeld,<span class=\"_ _5\"></span> nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x51b y4424 w1e6 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51c y4424 w1e7 hd9\"><div class=\"t m2 x163 hcc y1db0 ff2b5 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">167</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x51a y4424 w1e5 hd9\"><div class=\"t m2 x266 hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">250</span> <span class=\"lsab wscb\">3<span class=\"_ _5\"></span>84</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span> </span></div></td><td class=\"c x448 y4424 w1e6 hd9\"><div class=\"t m2 x4f hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">779</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x51d y4424 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">450<span class=\"ls0 ws0\"> </span>636<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4425 w3c0 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff2b5 fs53 fc21 sc0 lsab wscd\">Obligasj<span class=\"_ _5\"></span>onsgj<span class=\"_ _5\"></span>eld, nom<span class=\"_ _5\"></span>inell<span class=\"_ _5\"></span> verdi</div><div class=\"t m2 x51e h121 y3e5e ff2b5 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x51b y4426 w1e6 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>613<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51c y4426 w1e7 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>353<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51a y4426 w1e5 hda\"><div class=\"t m2 x267 hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(19<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">385</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x448 y4426 w1e6 hda\"><div class=\"t m2 x4f hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">161</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y4426 w1e7 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">142<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4426 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>663<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4427 w3c1 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2b5 fs53 fc21 sc0 lsab wscd\">Obligasj<span class=\"_ _5\"></span>oner m<span class=\"_ _5\"></span>ed fo<span class=\"_ _5\"></span>rtrinns<span class=\"_ _5\"></span>rett, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi</div><div class=\"t m2 x51f h121 y3ebb ff2b5 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x51b y4428 w1e6 hdb\"><div class=\"t m2 x1bc hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">336<span class=\"ls0 ws0\"> </span>911<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51c y4428 w1e7 hdb\"><div class=\"t m2 x1bc hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span>329<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51a y4428 w1e5 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(247<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">264</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x448 y4428 w1e6 hdb\"><div class=\"t m2 x1ab hcc y1db0 ff2b5 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">033</span> </div></td><td></td><td class=\"c x51d y4428 w1e5 hdb\"><div class=\"t m2 x1bc hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>813<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4429 w3c2 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff2b5 fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3e5e ff2b5 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x51b y442a w1e6 hde\"><div class=\"t m2 x4f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">584</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x51a y442a w1e5 hde\"><div class=\"t m2 x20e hcc y1dc1 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x448 y442a w1e6 hde\"><div class=\"t m2 x20e hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y442a w1e7 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">752<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y442a w1e5 hde\"><div class=\"t m2 x4f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">347</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x425 y442b w1e4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2b6 fs53 fc21 sc0 lsb3 ws121\">Verdi<span class=\"_ _5\"></span>papir<span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x51b y442b w1e6 hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2b6 fs53 fc21 sc0 lsab wscb\">787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51c y442b w1e7 hd9\"><div class=\"t m2 x163 hdc y1db0 ff2b6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">451</span> <span class=\"lsab wscb\">43<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x51a y442b w1e5 hd9\"><div class=\"t m2 x266 hdc y1db0 ff2b6 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">517</span> <span class=\"lsab wscb\">0<span class=\"_ _5\"></span>33</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span> </span></div></td><td class=\"c x448 y442b w1e6 hd9\"><div class=\"t m2 x4f hdc y1db0 ff2b6 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">896</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x43f y442b w1e7 hd9\"><div class=\"t m2 x1b9 hdc y1db0 ff2b6 fs53 fc21 sc0 lsab wscb\">894<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y442b w1e5 hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2b6 fs53 fc21 sc0 lsab wscb\">854<span class=\"ls0 ws0\"> </span>765<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y442d w3c3 h51c\"><div class=\"t m2 x3f4 hd1 y3f04 ff2b6 fs55 fc21 sc0 lsaf wsf6\">Forfall<span class=\"_ _5\"></span>stidspunkt verdipapirgjeld per 31. desember 2025</div><div class=\"t m2 x521 h14a y442c ff2b6 fs56 fc21 sc0 lsc8 ws13a\">1, 3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y442e w1e4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2b7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x51a y442e w1e9 hd7\"><div class=\"t m2 x227 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscd\">Norske k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y442e w1e7 hd7\"><div class=\"t m2 x1bb hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">Valuta <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y442e w1e5 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y442f w1e4 hdd\"><div class=\"t m2 x19f hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x43f y442f w1e7 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y442f w1e5 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4430 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>atgjeld,<span class=\"_ _5\"></span> nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x43f y4430 w1e7 hd9\"><div class=\"t m2 x1bc hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4430 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4431 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4431 w1e6 hd9\"><div class=\"t m2 x20e hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">74<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4431 w1e7 hd9\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>293<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4431 w1e5 hd9\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4432 w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4432 w1e6 hda\"><div class=\"t m2 x20e hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4432 w1e7 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>083<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4432 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4433 w1e4 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x43f y4433 w1e7 hde\"><div class=\"t m2 x329 hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span>535<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4433 w1e5 hde\"><div class=\"t m2 x329 hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span>535<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4434 w1e4 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">2029<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4434 w1e6 hdb\"><div class=\"t m2 x1ab hcc y1dae ff2b5 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td><td class=\"c x43f y4434 w1e7 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>809<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4434 w1e5 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>309<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4435 w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4435 w1e6 hdb\"><div class=\"t m2 x20e hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4435 w1e7 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>546<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4435 w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4436 w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">2031<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y4437 w1e4 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscd\">2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x43f y4437 w1e7 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">710<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4437 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2b5 fs53 fc21 sc0 lsab wscb\">710<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4438 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscd\">Obligasj<span class=\"_ _5\"></span>onsgj<span class=\"_ _5\"></span>eld, nom<span class=\"_ _5\"></span>inell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4438 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1dae ff2b5 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">635</span> </div></td><td class=\"c x43f y4438 w1e7 hd9\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>977<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4438 w1e5 hd9\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>613<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4439 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4439 w1e6 hd9\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>611<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4439 w1e7 hd9\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4439 w1e5 hd9\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">55<span class=\"ls0 ws0\"> </span>437<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y443a w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y443a w1e6 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>787<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y443a w1e7 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>924<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y443a w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>711<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y443b w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y443b w1e6 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y443b w1e7 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y443b w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y443c w1e4 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">2029<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y443c w1e6 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y443c w1e7 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>838<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y443c w1e5 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>838<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y443d w1e4 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x43f y443d w1e7 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y443d w1e5 hdb\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y443e w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">2031<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y443e w1e6 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2b5 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x43f y443e w1e7 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>321<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y443e w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>321<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y443f w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscd\">2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y443f w1e6 hde\"><div class=\"t m2 x1ab hcc y1dc1 ff2b5 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x43f y443f w1e7 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>284<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y443f w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">45<span class=\"ls0 ws0\"> </span>384<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4440 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscd\">Obligasj<span class=\"_ _5\"></span>oner m<span class=\"_ _5\"></span>ed fo<span class=\"_ _5\"></span>rtrinns<span class=\"_ _5\"></span>rett, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4440 w1e6 hd9\"><div class=\"t m2 x329 hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">51<span class=\"ls0 ws0\"> </span>498<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4440 w1e7 hd9\"><div class=\"t m2 x1bc hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">285<span class=\"ls0 ws0\"> </span>413<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4440 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dae ff2b5 fs53 fc21 sc0 lsab wscb\">336<span class=\"ls0 ws0\"> </span>911<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4441 w3c2 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff2b5 fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3ebb ff2b5 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4442 w1e6 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2b5 fs53 fc21 sc0 lsab wscb\">444<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4442 w1e7 hda\"><div class=\"t m2 x4f hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">028</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x51d y4442 w1e5 hda\"><div class=\"t m2 x4f hcc y1db0 ff2b5 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">584</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x425 y4443 w1e4 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x448 y4443 w1e6 hdd\"><div class=\"t m2 x329 hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>577<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x43f y4443 w1e7 hdd\"><div class=\"t m2 x1bc hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">733<span class=\"ls0 ws0\"> </span>587<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y4443 w1e5 hdd\"><div class=\"t m2 x1bc hcc y1dc1 ff2b5 fs53 fc21 sc0 lsab wscb\">787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3ead w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ead w3c4 h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Fratr<span class=\"_ _5\"></span>ukket<span class=\"_ _5\"></span> egne o<span class=\"_ _5\"></span>bligas<span class=\"_ _5\"></span>joner<span class=\"_ _5\"></span>. Nomin<span class=\"_ _5\"></span>ell verdi<span class=\"_ _5\"></span> p\u00e5 ut<span class=\"_ _5\"></span>est\u00e5e<span class=\"_ _5\"></span>nde o<span class=\"_ _5\"></span>bligasj<span class=\"_ _5\"></span>oner me<span class=\"_ _5\"></span>d fort<span class=\"_ _5\"></span>rinnsre<span class=\"_ _5\"></span>tt</span> <span class=\"lsab wscd\">i DNB<span class=\"_ _5\"></span> Boligk<span class=\"_ _5\"></span>reditt <span class=\"_ _5\"></span>utgjor<span class=\"_ _5\"></span>de <span class=\"wscb\">516</span></span>,<span class=\"lsa7 wsd1\">1 m<span class=\"_ _5\"></span>illiar<span class=\"lsab wscd\">der k<span class=\"_ _5\"></span>roner pe<span class=\"_ _5\"></span>r 31. <span class=\"_ _5\"></span>desemb<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x42c y3ea1 w3c5 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 lsab wscb\">202<span class=\"_ _1c5\"> </span></div></td><td class=\"c x522 y3ea1 w3c6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">5. Ti<span class=\"_ _5\"></span>lh\u00f8ren<span class=\"_ _5\"></span>de ma<span class=\"_ _5\"></span>rkedsv<span class=\"_ _5\"></span>erdi p\u00e5<span class=\"_ _5\"></span> sikri<span class=\"_ _5\"></span>ngsmass<span class=\"_ _5\"></span>en va<span class=\"_ _5\"></span>r </span>775<span class=\"ls0 ws0\">,</span><span class=\"wscd\">2 m<span class=\"_ _5\"></span>illiar<span class=\"_ _5\"></span>der kron<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea2 w3c7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Inklu<span class=\"_ _5\"></span>dert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e renter,<span class=\"_ _5\"></span> just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r</span>-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkur<span class=\"_ _1\"></span>s.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 ls0 ws0\">3</div></td><td class=\"c x410 y3e64 w3c8 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2b7 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">F\u00f8rst<span class=\"_ _5\"></span>e forfal<span class=\"_ _5\"></span>lstids<span class=\"_ _5\"></span>punkt <span class=\"_ _5\"></span>er lag<span class=\"lsa7 wsd1\">t<span class=\"_ _5\"></span> til grunn i forfallsprofilen, </span></span>d<span class=\"wsc9\">et vil <span class=\"_ _5\"></span>si</span> <span class=\"lsa7 wsd1\">DNBs f\u00f8rste opsjon til \u00e5<span class=\"_ _5\"></span> innl\u00f8se obligasjonen</span> <span class=\"lsab wscd\">(cal<span class=\"_ _5\"></span>l dat<span class=\"_ _5\"></span>e)</span><span class=\"lsab wscd\">.</span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>Note K42 V<span class=\"_ _2\"></span>erdipapirgjeld<span class=\"_ _1c5\"> </span><table class=\"s w3d9 h52b\" id=\"_010e2204-3221-494e-a57c-0311fa574bfb\"><tr><td class=\"c x45e y44b1 w1e4 h136\"><div class=\"t m2 x19f hd1 y200d ff2eb fs55 fc21 sc0 lsaf wsf6\">Endringer i etterstilte o<span class=\"_ _5\"></span>bligasjoner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x549 y44b2 w1e5 hd7\"><div class=\"t m2 x4f hcc y1dc1 ff2ea fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t/<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b2 w1e6 hd7\"><div class=\"t m2 x266 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b2 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2ea fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x54c y44b3 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b3 w1e7 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2ea fs53 fc21 sc0 lsaa wscd\">Emittert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b3 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b3 w1e6 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b3 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54e y44b3 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b4 w1e4 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff2ec fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b4 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b4 w1e7 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b4 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b4 w1e6 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b4 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54e y44b4 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b5 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r, nomin<span class=\"_ _5\"></span>ell verdi<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b5 w1e6 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>501<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b5 w1e7 hd9\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b5 w1e5 hd9\"><div class=\"t m2 x267 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b5 w1e6 hd9\"><div class=\"t m2 x4f hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x54e y44b5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">120<span class=\"ls0 ws0\"> </span>568<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44b6 w3c2 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff2ea fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3e5e ff2ea fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x54c y44b7 w1e6 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x54b y44b7 w1e5 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b7 w1e5 hda\"><div class=\"t m2 x4f hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">085</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y44b8 w1e4 h11f\"><div class=\"t m2 x19f hdc y1db0 ff2eb fs53 fc21 sc0 lsb3 wsf3\">Etters<span class=\"_ _5\"></span>til<span class=\"_ _5\"></span>te seni<span class=\"_ _5\"></span>oro<span class=\"_ _5\"></span>bliga<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b8 w1e6 h11f\"><div class=\"t m2 x1bc hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b8 w1e7 h11f\"><div class=\"t m2 x329 hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b8 w1e5 h11f\"><div class=\"t m2 x267 hdc y1db0 ff2eb fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b8 w1e6 h11f\"><div class=\"t m2 x4f hdc y1db0 ff2eb fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54b y44b8 w1e5 h11f\"><div class=\"t m2 x1ab hdc y1db0 ff2eb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b8 w1e5 h11f\"><div class=\"t m2 x1bc hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b9 w1e4 hdb\"><div class=\"t m2 x19f hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b9 w1e6 hdb\"><div class=\"t m2 x1bc hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b9 w1e7 hdb\"><div class=\"t m2 x329 hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b9 w1e5 hdb\"><div class=\"t m2 x267 hd8 y1dae ff2ec fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b9 w1e6 hdb\"><div class=\"t m2 x4f hd8 y1dae ff2ec fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54b y44b9 w1e5 hdb\"><div class=\"t m2 x1ab hd8 y1dae ff2ec fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b9 w1e5 hdb\"><div class=\"t m2 x1bc hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w3da h52c\" id=\"_97f983ea-2f98-40b1-b5be-27a497521cd4\"><tr><td class=\"c x46f y44ba w3db h52d\"><div class=\"t m2 x3f4 hd1 y3f04 ff2eb fs55 fc21 sc0 lsaf wsf6\">Forfall<span class=\"_ _5\"></span>stidspunkt etterstilte seniorobligasjoner<span class=\"_ _5\"></span> per 31. desember 2025</div><div class=\"t m2 x54f h14a y3f05 ff2eb fs56 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y44bb w1e4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2ec fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x51a y44bb w1e9 hd7\"><div class=\"t m2 x227 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscd\">Norske k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44bb w1e5 hd7\"><div class=\"t m2 x1bb hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">Valuta<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bb w1e5 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bc w1e4 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44bc w1e6 hdd\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">800<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44bc w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>443<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bc w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>243<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bd w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44bd w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bd w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44be w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44be w1e6 hde\"><div class=\"t m2 x1ab hcc y1dc1 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x550 y44be w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>324<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44be w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>424<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bf w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2029<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44bf w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bf w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c0 w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44c0 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>956<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c0 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>956<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c1 w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2031<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y44c2 w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscd\">2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44c2 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">887<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c2 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">887<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c3 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r, nomin<span class=\"_ _5\"></span>ell verdi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44c3 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">900</span> </div></td><td class=\"c x550 y44c3 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span>601<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c3 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>501<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4192 w3c2 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2ea fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3ebb ff2ea fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x551 y44c4 w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(58)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44c4 w1e5 hdb\"><div class=\"t m2 x20e hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c4 w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c5 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44c5 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1dc1 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">842</span> </div></td><td class=\"c x550 y44c5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span>634<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff2ec fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3eae w3c7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff2ec fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Inklu<span class=\"_ _5\"></span>dert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e renter,<span class=\"_ _5\"></span> just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r</span>-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkur<span class=\"_ _1\"></span>s.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff2ec fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x410 y3e64 w3dc h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff2ec fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">I ta<span class=\"_ _5\"></span>bellen o<span class=\"_ _5\"></span>ver e<span class=\"_ _5\"></span>r det</span> <span class=\"lsab wscd\">f\u00f8rs<span class=\"_ _5\"></span>te for<span class=\"_ _5\"></span>fallsti<span class=\"_ _5\"></span>dspunkt <span class=\"_ _5\"></span>som e<span class=\"_ _5\"></span>r lagt ti<span class=\"_ _5\"></span>l grun<span class=\"_ _5\"></span>n i forf<span class=\"_ _5\"></span>allsp<span class=\"_ _5\"></span>rofile<span class=\"_ _5\"></span>n, d<span class=\"lsa7 wsd1\">et vil si </span><span class=\"wsd0\">DN<span class=\"_ _5\"></span>Bs f\u00f8rste<span class=\"_ _5\"></span> opsjon til \u00e5 in<span class=\"_ _5\"></span>nl\u00f8se obli<span class=\"_ _5\"></span>gasj<span class=\"_ _5\"></span>onen (call da<span class=\"_ _5\"></span>te).<span class=\"_ _1c5\"> </span></span></span></div></td><td></td></tr></table>Note K44 Etters<span class=\"_ _1\"></span>tilte seniorobligasjoner<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper <span class=\"ls0 ws0\"> </span>For inf<span class=\"_ _5\"></span>ormasjon om regnsk<span class=\"_ _5\"></span>apsprinsipper, s<span class=\"_ _5\"></span>e note K27 K<span class=\"_ _5\"></span>lassifikasjon av f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>instrumenter.<span class=\"ls0 ws0\"> </span><table class=\"s w3dd h52e\" id=\"_6f2ff66b-b2a0-4eb0-8381-e88207558a6f\"><tr><td class=\"c x3db y44c6 w231 h136\"><div class=\"t m2 x19f hd1 y2036 ff2f5 fs55 fc21 sc0 lsae wsce\">Endring i<span class=\"_ _1\"></span> ansvarlig l\u00e5ne<span class=\"_ _1\"></span>kapital og f<span class=\"_ _1\"></span>ondsobligasj<span class=\"_ _1\"></span>onsl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x552 y44c7 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Forfalt/ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c7 w1e5 hd7\"><div class=\"t m2 xda hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x554 y44c7 w1e5 hd7\"><div class=\"t m2 x19b hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x555 y44c8 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Emittert <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c8 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c8 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c8 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44c9 w232 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44c9 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c9 w1e6 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c9 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ca w232 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al, nom<span class=\"_ _5\"></span>inel<span class=\"_ _5\"></span>l verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ca w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ca w1e5 hdd\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ca w1e6 hdd\"><div class=\"t m2 x4f hcc y1db0 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">590</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ca w1e5 hdd\"><div class=\"t m2 x1a5 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44ca w1e6 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cb w232 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">643<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x553 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(82)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44cb w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">724<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44cc w3de h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2f6 fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x558 h121 y3ebb ff2f6 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x555 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">688<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x552 y44cd w1e6 hde\"><div class=\"t m2 x20e hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x554 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cd w1e6 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">757<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ce w232 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2f5 fs53 fc21 sc0 lsdb ws128\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5ne<span class=\"_ _1\"></span>kapital<span class=\"_ _1\"></span> og fondsobl<span class=\"_ _1\"></span>igasjon<span class=\"_ _1\"></span>sl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ce w1e5 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ce w1e5 hdd\"><div class=\"t m2 x1ab hdc y1da9 ff2f5 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ce w1e6 hdd\"><div class=\"t m2 x4f hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ce w1e5 hdd\"><div class=\"t m2 x1a5 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44ce w1e5 hdd\"><div class=\"t m2 x1b9 hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44ce w1e6 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cf w232 hde\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cf w1e5 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44cf w1e5 hde\"><div class=\"t m2 x1ab hd8 y1da9 ff2f7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44cf w1e6 hde\"><div class=\"t m2 x4f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44cf w1e5 hde\"><div class=\"t m2 x1a5 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44cf w1e5 hde\"><div class=\"t m2 x1b9 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cf w1e6 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr></table>Forfall<span class=\"_ _5\"></span>stidspunkt ansvarlig l\u00e5n per 31. desember 2025<span class=\"ls0 ws0\"> </span>F\u00f8rst<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi i <span class=\"ls0 ws0\"> </span>forfalls<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span>verdi i n<span class=\"_ _5\"></span>orske <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Opptaks<span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span>utenlan<span class=\"_ _5\"></span>dsk valut<span class=\"_ _5\"></span>a <span class=\"ls0 ws0\"> </span>Rentesat<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\"> </span>Forfal<span class=\"_ _5\"></span>l<span class=\"ls0 ws0\"> </span>tidspunkt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>kroner <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span>2,72 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">350</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>00 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">350</span> 2021<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,60 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">600</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 0,<span class=\"_ _5\"></span>95 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">750</span> 2022<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">500</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>05 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">500</span> 2022<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span>3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>08 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span>2022<span class=\"ls0 ws0\"> </span>JPY 9 <span class=\"lsab wscb\">000</span> 1,35 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span>2022<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>750<span class=\"ls0 ws0\"> </span>4,63 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>8 <span class=\"lsab wscb\">872</span> 2023<span class=\"ls0 ws0\"> </span>JPY 12<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,65 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>803<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>650<span class=\"ls0 ws0\"> </span>5,01 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>650<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>75 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 2023<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>4,91 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>700<span class=\"ls0 ws0\"> </span>3-<span class=\"lsab wscd\">mnd ST<span class=\"_ _5\"></span>IBOR + <span class=\"_ _5\"></span>1,80 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>765<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>JPY 27<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>1,50 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">735</span> 2023<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>5,00 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>5 <span class=\"lsab wscb\">914</span> 2024<span class=\"ls0 ws0\"> </span>JPY 19<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,70 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2035<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">253</span> 2025<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span>3,75 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2035<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>4 <span class=\"lsab wscb\">731</span> Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span>Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>2004<span class=\"ls0 ws0\"> </span>JPY 10<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>4,51 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2029<span class=\"ls0 ws0\"> </span>643<span class=\"ls0 ws0\"> </span>Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span>643<span class=\"ls0 ws0\"> </span>1<span class=\"_ _1c5\"> </span><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>udert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e rent<span class=\"_ _5\"></span>er, just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkurs<span class=\"_ _1c5\"> </span></span></span></span>Note K45 Ans<span class=\"_ _2\"></span>varlig l\u00e5nek<span class=\"_ _1\"></span>apital og fondsobligasjonsl\u00e5n<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-425": {
   "value": "Note K12 Utl\u00e5n og finansielle gar<span class=\"_ _1\"></span>antier og utrukne r<span class=\"_ _1\"></span>ammer til kunder etter n\u00e6ringssegment<span class=\"_ _1c5\"> </span><table class=\"s w322 h4d8\" id=\"_0e360c70-2df6-4d5d-8e83-8bb3d40fad78\"><tr><td class=\"c x400 y403f we4 h139\"><div class=\"t m2 x19f hd1 y24ff ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4040 wdd h13b\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4041 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y4042 wdd hd7\"><div class=\"t m2 x28c hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y4042 wde hd7\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4043 we4 hd7\"><div class=\"t m2 x19f hd8 y2503 ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4043 wdd hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4043 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4043 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4043 w15a hd7\"><div class=\"t m2 x266 hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4043 wde hd7\"><div class=\"t m2 x28b hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4043 w128 hd7\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4044 we4 h135\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4044 wdd h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4044 wdd h135\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4044 wdc h135\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4044 w15a h135\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(138)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4044 w128 h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>006<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4045 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4045 wdd h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>993<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4045 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4045 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(132)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4045 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(510)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4045 wde h136\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">106<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4045 w128 h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>286<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4046 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4046 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>463<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4046 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4046 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4046 w15a h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4046 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>435<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4047 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4047 wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>708<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4047 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4047 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4047 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(665)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4047 w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>013<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4048 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4048 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>455<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4048 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4048 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4048 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(853)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4048 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>550<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4049 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4049 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4049 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4049 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4049 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(213)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4049 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>835<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404a we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404a wdd h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td><td class=\"c x467 y404a wdd h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404a wdc h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y404a w128 h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td></tr><tr><td class=\"c x400 y404b we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>494<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404b w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(225)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404b wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404b w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>279<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404c we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404c wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404c wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(144)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404c w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(427)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404c w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>978<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404d we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404d wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404d wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404d wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404d w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(392)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404d w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>377<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>993<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(47)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404e w15a h136\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>869<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>297<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(51)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(91)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(419)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404f wde h139\"><div class=\"t m2 x2d7 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>763<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4050 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4050 wdd h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>856<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4050 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(56)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4050 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4050 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(588)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4050 wde h168\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">260<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4050 w128 h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>412<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4051 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4051 wdd h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">015</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x467 y4051 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(227)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4051 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(172)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4051 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(657)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4051 wde h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">45<span class=\"ls0 ws0\"> </span>730<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4051 w128 h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">059</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>9</span> </div></td></tr><tr><td class=\"c x400 y4052 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4052 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>908<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4052 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4052 wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(136)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4052 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(594)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4052 wde h139\"><div class=\"t m2 x246 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">7 </div></td><td class=\"c x469 y4052 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>129<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y4053 ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y4054 ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y4056 wdd h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">364</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x467 y4056 wdd h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4056 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4056 w15a h135\"><div class=\"t m2 x1e5 hdc ydd ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y4056 wde h135\"><div class=\"t m2 x19b hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4056 w128 h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w323 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 287</span> <span class=\"_ _5\"></span><span class=\"lsab wscd\">558 mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i rep<span class=\"_ _5\"></span>o handels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w322 h4d8\" id=\"_83c5f28c-f032-4a77-96d4-305914b6d798\"><tr><td class=\"c x400 y4057 we4 h136\"><div class=\"t m2 x19f hd1 y251a ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4058 wdd h13b\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4059 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y405a wdd hd7\"><div class=\"t m2 x28c hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y405a wde hd7\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y405b we4 hd7\"><div class=\"t m2 x19f hd8 ydd ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405b wdd hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405b wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405b wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405b w15a hd7\"><div class=\"t m2 x266 hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405b wde hd7\"><div class=\"t m2 x28b hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405b w128 hd7\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405c we4 h135\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405c wdd h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>272<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405c wdd h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405c wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405c w15a h135\"><div class=\"t m2 x1e4 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(76)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405c w128 h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>159<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405d we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405d wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">241<span class=\"ls0 ws0\"> </span>239<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405d wdd h139\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(151)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405d wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405d w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(526)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405d wde h139\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">105<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405d w128 h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405e wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405e w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(261)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>656<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405f wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(800)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>841<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4060 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4060 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span>568<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4060 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4060 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(34)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4060 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(878)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4060 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>623<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4061 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4061 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>964<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4061 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4061 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4061 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>941<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4062 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4062 wdd h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">854</span> </div></td><td class=\"c x467 y4062 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4062 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4062 w128 h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">853</span> </div></td></tr><tr><td class=\"c x400 y4063 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4063 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>358<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4063 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4063 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4063 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(186)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4063 wde h139\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4063 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>214<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4064 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4064 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>982<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4064 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4064 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(102)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4064 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4064 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4065 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4065 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4065 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(38)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4065 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(39)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4065 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(137)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4065 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">56<span class=\"ls0 ws0\"> </span>922<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4066 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4066 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>683<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4066 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4066 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4066 w15a h139\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(43)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4066 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>605<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4067 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4067 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4067 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(87)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4067 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4067 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(475)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4067 wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4067 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4068 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4068 wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>729<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4068 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(59)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4068 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4068 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(513)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4068 wde h139\"><div class=\"t m2 x19e hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">312<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4068 w128 h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>407<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4069 we4 h168\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4069 wdd h168\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">971<span class=\"ls0 ws0\"> </span>039<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4069 wdd h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4069 wdc h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(160)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4069 w15a h168\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(651)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4069 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>897<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4069 w128 h168\"><div class=\"t m2 x242 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">022</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x400 y406a we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y406a wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">78<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y406a wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406a wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(117)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406a w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(776)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y406a wde h136\"><div class=\"t m2 x246 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x469 y406a w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">77<span class=\"ls0 ws0\"> </span>742<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y406b ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y406c ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y406d wdd h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">205</span> <span class=\"lsab wscb\">20<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x467 y406d wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406d wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406d w15a h135\"><div class=\"t m2 x1e5 hdc y2503 ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y406d wde h135\"><div class=\"t m2 x19b hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y406d w128 h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w324 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 221 <span class=\"_ _5\"></span>435</span> <span class=\"lsab wscd\">mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i repo h<span class=\"_ _5\"></span>andels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w325 h4d9\" id=\"_83fc7958-7fd3-4c63-9f02-52548d618007\"><tr><td class=\"c x45e y406e w15b h168\"><div class=\"t m2 x19f hd1 y24ff ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y406f wdd h165\"><div class=\"t m2 x1e5 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4070 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4071 w15c hd7\"><div class=\"t m2 x19f hd8 y2503 ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4071 wdd hd7\"><div class=\"t m2 x28b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4071 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4071 w128 hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4071 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4071 wde hd7\"><div class=\"t m2 x209 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4072 w15c h135\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4072 wdd h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>967<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4072 wdc h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4072 w128 h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4072 wdd h135\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4072 wde h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>936<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4073 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4073 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4073 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4073 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4073 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4073 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>515<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4074 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4074 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>544<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4074 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4074 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4074 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>533<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4075 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4075 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>383<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4075 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4075 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4075 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>334<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4076 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4076 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>157<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4076 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4076 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4076 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>134<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4077 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4077 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4077 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4077 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4077 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>989<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4078 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4078 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4078 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4078 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4078 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4079 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4079 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>677<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4079 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4079 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4079 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4079 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>662<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407a w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407a wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>512<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407a wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407a w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(77)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407a wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407a wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>408<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>375<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407c wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407c wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>895<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407d w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407d wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>945<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407d wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407d w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407d wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407d wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>911<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>975<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407e w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>943<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407f wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>745<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407f wde h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>720<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4080 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4080 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>422<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4080 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4080 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4080 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4080 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4081 w15c h135\"><div class=\"t m2 x19f hdc ydd ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4081 wdd h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">898<span class=\"ls0 ws0\"> </span>468<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4081 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4081 w128 h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4081 wdd h135\"><div class=\"t m2 x1b9 hdc ydd ff18f fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4081 wde h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">897<span class=\"ls0 ws0\"> </span>971<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w325 h4da\" id=\"_857bd6b1-ac90-419f-861e-4adbf943aa54\"><tr><td class=\"c x45e y4082 w15b h136\"><div class=\"t m2 x19f hd1 y251a ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4083 wdd h13b\"><div class=\"t m2 x1e5 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4084 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4085 w15c hd7\"><div class=\"t m2 x19f hd8 ydd ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4085 wdd hd7\"><div class=\"t m2 x28b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4085 wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4085 w128 hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4085 wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4085 wde hd7\"><div class=\"t m2 x209 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4086 w15c h135\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4086 wdd h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4086 wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4086 w128 h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4086 wdd h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4086 wde h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4087 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4087 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>468<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4087 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4087 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4087 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4087 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>444<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4088 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4088 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>584<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4088 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4088 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4088 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>577<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4089 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4089 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>098<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4089 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4089 w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4089 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4089 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408a w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408a wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>165<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408a wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(26)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408a w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408a wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>119<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>078<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408c wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408d w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408d wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>438<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408d wdc h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408d w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408d wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408d wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>428<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>772<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408e w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>378<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408f wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>332<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4090 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4090 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>901<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4090 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4090 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4090 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4090 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>825<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4091 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4091 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>827<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4091 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4091 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4091 wdd h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4091 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>778<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4092 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4092 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>883<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4092 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4092 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4092 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4092 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>846<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4093 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4093 wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">305<span class=\"ls0 ws0\"> </span>029<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4093 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4093 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4093 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4093 wde h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">304<span class=\"ls0 ws0\"> </span>994<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4094 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4094 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>892<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4094 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4094 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4094 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4094 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4095 w15c h135\"><div class=\"t m2 x19f hdc y2503 ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4095 wdd h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">848<span class=\"ls0 ws0\"> </span>235<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4095 wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4095 w128 h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4095 wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4095 wde h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">847<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-438": {
   "value": "Note K12 Utl\u00e5n og finansielle gar<span class=\"_ _1\"></span>antier og utrukne r<span class=\"_ _1\"></span>ammer til kunder etter n\u00e6ringssegment<span class=\"_ _1c5\"> </span><table class=\"s w322 h4d8\" id=\"_0e360c70-2df6-4d5d-8e83-8bb3d40fad78\"><tr><td class=\"c x400 y403f we4 h139\"><div class=\"t m2 x19f hd1 y24ff ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4040 wdd h13b\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4041 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y4042 wdd hd7\"><div class=\"t m2 x28c hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y4042 wde hd7\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4043 we4 hd7\"><div class=\"t m2 x19f hd8 y2503 ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4043 wdd hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4043 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4043 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4043 w15a hd7\"><div class=\"t m2 x266 hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4043 wde hd7\"><div class=\"t m2 x28b hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4043 w128 hd7\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4044 we4 h135\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4044 wdd h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4044 wdd h135\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4044 wdc h135\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4044 w15a h135\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(138)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4044 w128 h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>006<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4045 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4045 wdd h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>993<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4045 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4045 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(132)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4045 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(510)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4045 wde h136\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">106<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4045 w128 h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>286<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4046 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4046 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>463<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4046 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4046 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4046 w15a h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4046 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>435<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4047 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4047 wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>708<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4047 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4047 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4047 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(665)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4047 w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>013<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4048 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4048 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>455<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4048 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4048 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4048 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(853)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4048 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>550<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4049 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4049 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4049 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4049 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4049 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(213)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4049 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>835<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404a we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404a wdd h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td><td class=\"c x467 y404a wdd h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404a wdc h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y404a w128 h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td></tr><tr><td class=\"c x400 y404b we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>494<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404b w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(225)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404b wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404b w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>279<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404c we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404c wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404c wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(144)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404c w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(427)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404c w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>978<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404d we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404d wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404d wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404d wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404d w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(392)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404d w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>377<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>993<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(47)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404e w15a h136\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>869<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>297<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(51)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(91)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(419)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404f wde h139\"><div class=\"t m2 x2d7 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>763<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4050 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4050 wdd h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>856<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4050 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(56)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4050 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4050 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(588)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4050 wde h168\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">260<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4050 w128 h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>412<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4051 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4051 wdd h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">015</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x467 y4051 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(227)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4051 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(172)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4051 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(657)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4051 wde h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">45<span class=\"ls0 ws0\"> </span>730<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4051 w128 h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">059</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>9</span> </div></td></tr><tr><td class=\"c x400 y4052 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4052 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>908<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4052 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4052 wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(136)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4052 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(594)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4052 wde h139\"><div class=\"t m2 x246 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">7 </div></td><td class=\"c x469 y4052 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>129<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y4053 ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y4054 ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y4056 wdd h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">364</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x467 y4056 wdd h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4056 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4056 w15a h135\"><div class=\"t m2 x1e5 hdc ydd ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y4056 wde h135\"><div class=\"t m2 x19b hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4056 w128 h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w323 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 287</span> <span class=\"_ _5\"></span><span class=\"lsab wscd\">558 mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i rep<span class=\"_ _5\"></span>o handels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w322 h4d8\" id=\"_83c5f28c-f032-4a77-96d4-305914b6d798\"><tr><td class=\"c x400 y4057 we4 h136\"><div class=\"t m2 x19f hd1 y251a ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4058 wdd h13b\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4059 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y405a wdd hd7\"><div class=\"t m2 x28c hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y405a wde hd7\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y405b we4 hd7\"><div class=\"t m2 x19f hd8 ydd ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405b wdd hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405b wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405b wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405b w15a hd7\"><div class=\"t m2 x266 hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405b wde hd7\"><div class=\"t m2 x28b hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405b w128 hd7\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405c we4 h135\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405c wdd h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>272<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405c wdd h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405c wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405c w15a h135\"><div class=\"t m2 x1e4 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(76)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405c w128 h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>159<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405d we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405d wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">241<span class=\"ls0 ws0\"> </span>239<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405d wdd h139\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(151)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405d wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405d w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(526)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405d wde h139\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">105<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405d w128 h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405e wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405e w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(261)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>656<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405f wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(800)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>841<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4060 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4060 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span>568<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4060 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4060 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(34)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4060 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(878)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4060 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>623<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4061 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4061 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>964<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4061 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4061 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4061 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>941<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4062 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4062 wdd h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">854</span> </div></td><td class=\"c x467 y4062 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4062 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4062 w128 h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">853</span> </div></td></tr><tr><td class=\"c x400 y4063 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4063 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>358<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4063 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4063 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4063 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(186)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4063 wde h139\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4063 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>214<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4064 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4064 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>982<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4064 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4064 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(102)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4064 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4064 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4065 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4065 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4065 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(38)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4065 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(39)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4065 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(137)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4065 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">56<span class=\"ls0 ws0\"> </span>922<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4066 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4066 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>683<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4066 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4066 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4066 w15a h139\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(43)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4066 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>605<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4067 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4067 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4067 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(87)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4067 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4067 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(475)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4067 wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4067 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4068 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4068 wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>729<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4068 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(59)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4068 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4068 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(513)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4068 wde h139\"><div class=\"t m2 x19e hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">312<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4068 w128 h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>407<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4069 we4 h168\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4069 wdd h168\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">971<span class=\"ls0 ws0\"> </span>039<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4069 wdd h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4069 wdc h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(160)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4069 w15a h168\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(651)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4069 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>897<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4069 w128 h168\"><div class=\"t m2 x242 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">022</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x400 y406a we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y406a wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">78<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y406a wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406a wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(117)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406a w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(776)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y406a wde h136\"><div class=\"t m2 x246 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x469 y406a w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">77<span class=\"ls0 ws0\"> </span>742<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y406b ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y406c ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y406d wdd h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">205</span> <span class=\"lsab wscb\">20<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x467 y406d wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406d wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406d w15a h135\"><div class=\"t m2 x1e5 hdc y2503 ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y406d wde h135\"><div class=\"t m2 x19b hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y406d w128 h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w324 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 221 <span class=\"_ _5\"></span>435</span> <span class=\"lsab wscd\">mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i repo h<span class=\"_ _5\"></span>andels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w325 h4d9\" id=\"_83fc7958-7fd3-4c63-9f02-52548d618007\"><tr><td class=\"c x45e y406e w15b h168\"><div class=\"t m2 x19f hd1 y24ff ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y406f wdd h165\"><div class=\"t m2 x1e5 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4070 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4071 w15c hd7\"><div class=\"t m2 x19f hd8 y2503 ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4071 wdd hd7\"><div class=\"t m2 x28b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4071 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4071 w128 hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4071 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4071 wde hd7\"><div class=\"t m2 x209 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4072 w15c h135\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4072 wdd h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>967<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4072 wdc h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4072 w128 h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4072 wdd h135\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4072 wde h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>936<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4073 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4073 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4073 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4073 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4073 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4073 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>515<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4074 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4074 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>544<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4074 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4074 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4074 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>533<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4075 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4075 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>383<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4075 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4075 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4075 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>334<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4076 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4076 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>157<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4076 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4076 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4076 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>134<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4077 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4077 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4077 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4077 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4077 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>989<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4078 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4078 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4078 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4078 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4078 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4079 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4079 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>677<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4079 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4079 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4079 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4079 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>662<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407a w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407a wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>512<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407a wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407a w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(77)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407a wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407a wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>408<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>375<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407c wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407c wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>895<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407d w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407d wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>945<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407d wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407d w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407d wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407d wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>911<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>975<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407e w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>943<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407f wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>745<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407f wde h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>720<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4080 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4080 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>422<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4080 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4080 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4080 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4080 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4081 w15c h135\"><div class=\"t m2 x19f hdc ydd ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4081 wdd h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">898<span class=\"ls0 ws0\"> </span>468<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4081 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4081 w128 h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4081 wdd h135\"><div class=\"t m2 x1b9 hdc ydd ff18f fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4081 wde h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">897<span class=\"ls0 ws0\"> </span>971<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w325 h4da\" id=\"_857bd6b1-ac90-419f-861e-4adbf943aa54\"><tr><td class=\"c x45e y4082 w15b h136\"><div class=\"t m2 x19f hd1 y251a ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4083 wdd h13b\"><div class=\"t m2 x1e5 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4084 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4085 w15c hd7\"><div class=\"t m2 x19f hd8 ydd ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4085 wdd hd7\"><div class=\"t m2 x28b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4085 wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4085 w128 hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4085 wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4085 wde hd7\"><div class=\"t m2 x209 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4086 w15c h135\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4086 wdd h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4086 wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4086 w128 h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4086 wdd h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4086 wde h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4087 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4087 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>468<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4087 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4087 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4087 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4087 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>444<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4088 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4088 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>584<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4088 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4088 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4088 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>577<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4089 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4089 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>098<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4089 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4089 w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4089 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4089 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408a w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408a wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>165<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408a wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(26)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408a w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408a wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>119<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>078<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408c wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408d w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408d wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>438<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408d wdc h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408d w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408d wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408d wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>428<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>772<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408e w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>378<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408f wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>332<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4090 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4090 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>901<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4090 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4090 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4090 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4090 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>825<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4091 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4091 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>827<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4091 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4091 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4091 wdd h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4091 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>778<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4092 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4092 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>883<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4092 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4092 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4092 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4092 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>846<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4093 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4093 wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">305<span class=\"ls0 ws0\"> </span>029<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4093 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4093 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4093 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4093 wde h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">304<span class=\"ls0 ws0\"> </span>994<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4094 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4094 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>892<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4094 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4094 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4094 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4094 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4095 w15c h135\"><div class=\"t m2 x19f hdc y2503 ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4095 wdd h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">848<span class=\"ls0 ws0\"> </span>235<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4095 wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4095 w128 h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4095 wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4095 wde h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">847<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-461": {
   "value": "Note K12 Utl\u00e5n og finansielle gar<span class=\"_ _1\"></span>antier og utrukne r<span class=\"_ _1\"></span>ammer til kunder etter n\u00e6ringssegment<span class=\"_ _1c5\"> </span><table class=\"s w322 h4d8\" id=\"_0e360c70-2df6-4d5d-8e83-8bb3d40fad78\"><tr><td class=\"c x400 y403f we4 h139\"><div class=\"t m2 x19f hd1 y24ff ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4040 wdd h13b\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4041 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y4042 wdd hd7\"><div class=\"t m2 x28c hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y4042 wde hd7\"><div class=\"t m2 x1ab hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4043 we4 hd7\"><div class=\"t m2 x19f hd8 y2503 ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4043 wdd hd7\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4043 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4043 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4043 w15a hd7\"><div class=\"t m2 x266 hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4043 wde hd7\"><div class=\"t m2 x28b hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4043 w128 hd7\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4044 we4 h135\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4044 wdd h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4044 wdd h135\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4044 wdc h135\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4044 w15a h135\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(138)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4044 w128 h135\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span>006<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4045 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4045 wdd h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>993<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4045 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(170)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4045 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(132)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4045 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(510)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4045 wde h136\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">106<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4045 w128 h136\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">276<span class=\"ls0 ws0\"> </span>286<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4046 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4046 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>463<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4046 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4046 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4046 w15a h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4046 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>435<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4047 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4047 wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>708<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4047 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4047 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4047 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(665)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4047 w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>013<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4048 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4048 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>455<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4048 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4048 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4048 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(853)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4048 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>550<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4049 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4049 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4049 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4049 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4049 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(213)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4049 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>835<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404a we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404a wdd h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td><td class=\"c x467 y404a wdd h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404a wdc h168\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y404a w128 h168\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">649</span> </div></td></tr><tr><td class=\"c x400 y404b we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>494<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404b w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(225)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404b wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404b w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>279<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404c we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404c wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404c wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(144)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404c w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(427)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404c w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>978<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404d we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404d wdd h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404d wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404d wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404d w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(392)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404d w128 h168\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>377<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>993<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(47)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404e w15a h136\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y404e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>869<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y404f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y404f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>297<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y404f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(51)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y404f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(91)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y404f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(419)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y404f wde h139\"><div class=\"t m2 x2d7 hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y404f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span>763<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4050 we4 h168\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4050 wdd h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>856<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4050 wdd h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(56)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4050 wdc h168\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4050 w15a h168\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(588)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4050 wde h168\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">260<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4050 w128 h168\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">116<span class=\"ls0 ws0\"> </span>412<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4051 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4051 wdd h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">015</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x467 y4051 wdd h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(227)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4051 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(172)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4051 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(657)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4051 wde h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">45<span class=\"ls0 ws0\"> </span>730<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4051 w128 h136\"><div class=\"t m2 x242 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">059</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>9</span> </div></td></tr><tr><td class=\"c x400 y4052 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4052 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>908<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4052 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4052 wdc h139\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(136)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4052 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(594)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4052 wde h139\"><div class=\"t m2 x246 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">7 </div></td><td class=\"c x469 y4052 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>129<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y4053 ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y4054 ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y4056 wdd h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">364</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x467 y4056 wdd h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(763)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4056 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">(910)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4056 w15a h135\"><div class=\"t m2 x1e5 hdc ydd ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y4056 wde h135\"><div class=\"t m2 x19b hdc ydd ff18b fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4056 w128 h135\"><div class=\"t m2 x242 hdc ydd ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w323 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 287</span> <span class=\"_ _5\"></span><span class=\"lsab wscd\">558 mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i rep<span class=\"_ _5\"></span>o handels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w322 h4d8\" id=\"_83c5f28c-f032-4a77-96d4-305914b6d798\"><tr><td class=\"c x400 y4057 we4 h136\"><div class=\"t m2 x19f hd1 y251a ff18b fs55 fc21 sc0 lsaf wsf6\">Utl\u00e5n til kunder per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4058 wdd h13b\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">Brutto<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4059 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x402 y405a wdd hd7\"><div class=\"t m2 x28c hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x468 y405a wde hd7\"><div class=\"t m2 x1ab hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">L\u00e5n til <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y405b we4 hd7\"><div class=\"t m2 x19f hd8 ydd ff18d fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405b wdd hd7\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405b wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405b wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405b w15a hd7\"><div class=\"t m2 x266 hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405b wde hd7\"><div class=\"t m2 x28b hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405b w128 hd7\"><div class=\"t m2 x209 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405c we4 h135\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405c wdd h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>272<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405c wdd h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405c wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405c w15a h135\"><div class=\"t m2 x1e4 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(76)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405c w128 h135\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>159<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405d we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405d wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">241<span class=\"ls0 ws0\"> </span>239<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405d wdd h139\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(151)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405d wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(78)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405d w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(526)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y405d wde h139\"><div class=\"t m2 x19e hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">105<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y405d w128 h139\"><div class=\"t m2 x1bc hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405e we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(17)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405e wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405e w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(261)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405e w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y405f we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y405f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>656<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y405f wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y405f wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y405f w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(800)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y405f w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>841<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4060 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4060 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span>568<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4060 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4060 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(34)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4060 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(878)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4060 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>623<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4061 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4061 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>964<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4061 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4061 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4061 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>941<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4062 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4062 wdd h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">854</span> </div></td><td class=\"c x467 y4062 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4062 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x469 y4062 w128 h139\"><div class=\"t m2 x209 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">853</span> </div></td></tr><tr><td class=\"c x400 y4063 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4063 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>358<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4063 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4063 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4063 w15a h139\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(186)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4063 wde h139\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4063 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>214<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4064 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4064 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>982<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4064 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4064 wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(102)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4064 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(284)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4064 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4065 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4065 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4065 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(38)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4065 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(39)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4065 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(137)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4065 w128 h139\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">56<span class=\"ls0 ws0\"> </span>922<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4066 we4 h139\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4066 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>683<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4066 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4066 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4066 w15a h139\"><div class=\"t m2 x1e4 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(43)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x469 y4066 w128 h139\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>605<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4067 we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4067 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4067 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(87)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4067 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4067 w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(475)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4067 wde h136\"><div class=\"t m2 x2d7 hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4067 w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4068 we4 h139\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4068 wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>729<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4068 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(59)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4068 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18c fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4068 w15a h139\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(513)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4068 wde h139\"><div class=\"t m2 x19e hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">312<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4068 w128 h139\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>407<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4069 we4 h168\"><div class=\"t m2 x19f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y4069 wdd h168\"><div class=\"t m2 x1bc hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">971<span class=\"ls0 ws0\"> </span>039<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y4069 wdd h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(169)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y4069 wdc h168\"><div class=\"t m2 x20f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(160)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y4069 w15a h168\"><div class=\"t m2 x4f hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">(651)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y4069 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18c fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span>897<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y4069 w128 h168\"><div class=\"t m2 x242 hcc y2503 ff18c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">022</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x400 y406a we4 h136\"><div class=\"t m2 x19f hcc ydd ff18c fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x402 y406a wdd h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">78<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x467 y406a wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18c fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406a wdc h136\"><div class=\"t m2 x20f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(117)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406a w15a h136\"><div class=\"t m2 x4f hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">(776)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y406a wde h136\"><div class=\"t m2 x246 hcc ydd ff18c fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x469 y406a w128 h136\"><div class=\"t m2 x19b hcc ydd ff18c fs53 fc21 sc0 lsab wscb\">77<span class=\"ls0 ws0\"> </span>742<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4055 w319 h4b2\"><div class=\"t m2 x3f4 hdc y406b ff18b fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t</div><div class=\"t m2 x46a h16a y406c ff18b fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x402 y406d wdd h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">205</span> <span class=\"lsab wscb\">20<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x467 y406d wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(779)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x470 y406d wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">(739)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x471 y406d w15a h135\"><div class=\"t m2 x1e5 hdc y2503 ff18b fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">607</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x468 y406d wde h135\"><div class=\"t m2 x19b hdc y2503 ff18b fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y406d w128 h135\"><div class=\"t m2 x242 hdc y2503 ff18b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w324 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff18d fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hera<span class=\"_ _5\"></span>v 221 <span class=\"_ _5\"></span>435</span> <span class=\"lsab wscd\">mil<span class=\"_ _5\"></span>lioner k<span class=\"_ _5\"></span>rone<span class=\"_ _5\"></span>r i repo h<span class=\"_ _5\"></span>andels<span class=\"_ _5\"></span>volum<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w325 h4d9\" id=\"_83fc7958-7fd3-4c63-9f02-52548d618007\"><tr><td class=\"c x45e y406e w15b h168\"><div class=\"t m2 x19f hd1 y24ff ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y406f wdd h165\"><div class=\"t m2 x1e5 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4070 we2 hd7\"><div class=\"t m2 x20f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4071 w15c hd7\"><div class=\"t m2 x19f hd8 y2503 ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4071 wdd hd7\"><div class=\"t m2 x28b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4071 wdc hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4071 w128 hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4071 wdd hd7\"><div class=\"t m2 x20a hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4071 wde hd7\"><div class=\"t m2 x209 hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4072 w15c h135\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4072 wdd h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>967<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4072 wdc h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4072 w128 h135\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4072 wdd h135\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4072 wde h135\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>936<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4073 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4073 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4073 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4073 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4073 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4073 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>515<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4074 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4074 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>544<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4074 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4074 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4074 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>533<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4075 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4075 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>383<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4075 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4075 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4075 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>334<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4076 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4076 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>157<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4076 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4076 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4076 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>134<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4077 w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4077 wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4077 wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4077 w128 h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4077 wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>989<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4078 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4078 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4078 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4078 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4078 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>247<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4079 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4079 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>677<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4079 wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4079 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4079 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4079 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>662<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407a w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407a wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>512<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407a wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407a w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(77)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407a wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407a wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>408<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407b wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>375<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>918<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407c wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407c wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>895<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407d w15c h168\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407d wdd h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>945<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407d wdc h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407d w128 h168\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407d wdd h168\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407d wde h168\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>911<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>975<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407e w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>943<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y407f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y407f wdd h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>745<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y407f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y407f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y407f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y407f wde h139\"><div class=\"t m2 x1bc hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">321<span class=\"ls0 ws0\"> </span>720<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4080 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4080 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>422<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4080 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4080 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4080 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4080 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4081 w15c h135\"><div class=\"t m2 x19f hdc ydd ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4081 wdd h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">898<span class=\"ls0 ws0\"> </span>468<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4081 wdc h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(228)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4081 w128 h135\"><div class=\"t m2 x20f hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">(207)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4081 wdd h135\"><div class=\"t m2 x1b9 hdc ydd ff18f fs53 fc21 sc0 lsb2 wsf1\">(63)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4081 wde h135\"><div class=\"t m2 x1bc hdc ydd ff18f fs53 fc21 sc0 lsab wscb\">897<span class=\"ls0 ws0\"> </span>971<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w325 h4da\" id=\"_857bd6b1-ac90-419f-861e-4adbf943aa54\"><tr><td class=\"c x45e y4082 w15b h136\"><div class=\"t m2 x19f hd1 y251a ff18f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e garantier og utrukne rammer per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4083 wdd h13b\"><div class=\"t m2 x1e5 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Maksimal<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4084 we2 hd7\"><div class=\"t m2 x20f hcc ydd ff18e fs53 fc21 sc0 lsab wsd0\">Akkumul<span class=\"_ _5\"></span>erte neds<span class=\"_ _5\"></span>krivni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4085 w15c hd7\"><div class=\"t m2 x19f hd8 ydd ff190 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4085 wdd hd7\"><div class=\"t m2 x28b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">ekspon<span class=\"_ _5\"></span>ering <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4085 wdc hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 1 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4085 w128 hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 2 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4085 wdd hd7\"><div class=\"t m2 x20a hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Gruppe 3 <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4085 wde hd7\"><div class=\"t m2 x209 hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4086 w15c h135\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4086 wdd h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4086 wdc h135\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4086 w128 h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4086 wdd h135\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4086 wde h135\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>527<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4087 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4087 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>468<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4087 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4087 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4087 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4087 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>444<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4088 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4088 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>584<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4088 wdc h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4088 w128 h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4088 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>577<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4089 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4089 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>098<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4089 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4089 w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4089 wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4089 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>076<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408a w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408a wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>165<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408a wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(26)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408a w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408a wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408b w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408b wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>119<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408b wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408b w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408b wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>078<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408c w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408c wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408c wdc h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408c w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y408c wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>132<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408d w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408d wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>438<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408d wdc h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408d w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408d wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408d wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>428<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408e w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408e wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>772<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408e wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408e w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408e wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408e wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y408f w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y408f wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>378<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y408f wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y408f w128 h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y408f wdd h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y408f wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>332<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4090 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4090 wdd h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>901<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4090 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4090 w128 h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4090 wdd h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4090 wde h139\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>825<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4091 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4091 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>827<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4091 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4091 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4091 wdd h136\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4091 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>778<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4092 w15c h139\"><div class=\"t m2 x19f hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4092 wdd h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>883<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4092 wdc h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4092 w128 h139\"><div class=\"t m2 x20e hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4092 wdd h139\"><div class=\"t m2 x1b9 hcc y2503 ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4092 wde h139\"><div class=\"t m2 x19b hcc y2503 ff18e fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>846<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4093 w15c h139\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4093 wdd h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">305<span class=\"ls0 ws0\"> </span>029<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4093 wdc h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4093 w128 h139\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4093 wdd h139\"><div class=\"t m2 x20e hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4093 wde h139\"><div class=\"t m2 x1bc hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">304<span class=\"ls0 ws0\"> </span>994<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4094 w15c h136\"><div class=\"t m2 x19f hcc ydd ff18e fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4094 wdd h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>892<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4094 wdc h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4094 w128 h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4094 wdd h136\"><div class=\"t m2 x1b9 hcc ydd ff18e fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4094 wde h136\"><div class=\"t m2 x19b hcc ydd ff18e fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4095 w15c h135\"><div class=\"t m2 x19f hdc y2503 ff18f fs53 fc21 sc0 lsb3 ws121\">Total<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4095 wdd h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">848<span class=\"ls0 ws0\"> </span>235<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4095 wdc h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(266)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4095 w128 h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(178)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4095 wdd h135\"><div class=\"t m2 x20f hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">(198)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4095 wde h135\"><div class=\"t m2 x1bc hdc y2503 ff18f fs53 fc21 sc0 lsab wscb\">847<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes n\u00e5r det er sannsynlig at banken m\u00e5 gj\u00f8re opp <span class=\"_ _1\"></span>en eksist<span class=\"_ _5\"></span>erende plikt, som er et resultat av en tidligere hendelse, og forpliktel<span class=\"_ _5\"></span>sen kan estimeres p\u00e5litelig.<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes til<span class=\"_ _5\"></span> beste estimat. E<span class=\"_ _5\"></span>stimatet gjennom<span class=\"_ _5\"></span><span class=\"wsf6\">g\u00e5s ved hver rapportering og justeres ved behov.<span class=\"ls0 ws0\"> </span></span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet vil<span class=\"_ _5\"></span>, som en konsekvens av omfattende virksomhet i Norge og i utlandet, regelmessig v\u00e6re part i en rekke retts<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>katte</span></span>-<span class=\"_ _1c5\"> </span></span>relaterte tvis<span class=\"_ _5\"></span>ter. Ingen av disse tvistene anses \u00e5 ha vesentlig betydning for vurdering av konsernets finansiell<span class=\"_ _5\"></span>e stillin<span class=\"lsbd ws104\">g.<span class=\"ls0 ws0\"> </span></span>I samsvar med en dom i den svenske patent<span class=\"lscf ws126\">- </span><span class=\"wsd2\">og <span class=\"_ _5\"></span>markedsdomstolen (Pat<span class=\"_ _5\"></span>ent<span class=\"lsc1 wsce\">- </span></span>och marknadsdomstol<span class=\"_ _5\"></span>en) datert 14. mai 2025 vedr\u00f8rende DNB Finans Sveri<span class=\"_ _5\"></span>ges produkter m<span class=\"_ _5\"></span>ed variabel leas<span class=\"_ _5\"></span>ingavgift, har <span class=\"_ _5\"></span>DNB Finans Sv<span class=\"_ _5\"></span>erige tilpass<span class=\"_ _5\"></span>et sine tjenest<span class=\"_ _5\"></span>er knyttet ti<span class=\"_ _5\"></span>l leasing av <span class=\"_ _5\"></span><span class=\"ls0 ws0\">p<span class=\"lsb9 ws123\">rivatbiler til </span></span>forbrukere. Det svensk<span class=\"_ _5\"></span>e forbrukerombudet (Konsumentombudsmannen) har p\u00e5 vegne av leasingkunder s<span class=\"_ _5\"></span>om ble gjenstand for avgiftsj<span class=\"wscf\">usteringer </span>i perioden juni 2020 til februar 2023, opprett<span class=\"_ _5\"></span>et en klagesak i det svenske forbrukerklageutvalget (Al<span class=\"_ _5\"></span>lm\u00e4nna reklamationsn\u00e4mnden) med krav om at den tidligere bestemmelsen om avgifts<span class=\"_ _5\"></span>justeringer oppheves med tilbakev<span class=\"_ _5\"></span>irkende kraft, og at for mye betalt leasingavgift ti<span class=\"wsd2\">lbakebetal<span class=\"_ _5\"></span>es med </span>renter. Utvalgets<span class=\"_ _5\"></span> avgj\u00f8relser er r\u00e5dgivende og ikke bindende for partene. DNB Finans Sverige bestri<span class=\"_ _5\"></span>der disse kravene, og det er ikke foretatt noen avsetninger f<span class=\"_ _5\"></span>or dette i regnskapet.<span class=\"ls0 ws0\"> </span>DNB Boligk<span class=\"_ _5\"></span>reditt AS <span class=\"wscf\">\u2013 <span class=\"_ _5\"></span><span class=\"wsf6\">et heleid datterselskap av DNB Bank ASA <span class=\"lsdd ws13f\">\u2013 </span>har bestridt en r\u00e5dgivende og ikke<span class=\"ls0 ws0\">-</span>bindende flert<span class=\"_ _5\"></span>allsavgj\u00f8relse (3 mot 2) i </span></span>Finansklagenem<span class=\"_ _5\"></span>nda (FinKN) i fav\u00f8r av en <span class=\"_ _1\"></span>kunde v<span class=\"_ _5\"></span>edr\u00f8rende punkter om rentejustering i boligl\u00e5ns<span class=\"_ _5\"></span>avtaler med flytende r<span class=\"wsd2\">ente. F<span class=\"_ _5\"></span>inKN konkluderte </span>med at punktet om rentejustering var uklart og dermed urimelig. Fi<span class=\"_ _5\"></span>nKN vurderte ikke de juridiske konsekvensene av denne konkl<span class=\"_ _5\"></span><span class=\"wscf\">usjonen, </span>herunder om den kunne f\u00f8re til erstatningsk<span class=\"_ _5\"></span>rav. DNB fastholder at punktene er lovlige, og at det i<span class=\"wsd2\">kke foreligger ret<span class=\"_ _5\"></span>tslig grunnl<span class=\"_ _5\"></span>ag for </span>erstatni<span class=\"_ _5\"></span>ngskrav. Det er derfor ikke foretatt noen avsetninger for dette i regnskapet. DNB fastholder at rentejusteri<span class=\"_ _5\"></span>ngsvilk\u00e5rene er fastsatt<span class=\"_ _5\"></span> i samsvar med norsk lov og mange\u00e5rige bransjest<span class=\"_ _5\"></span>andarder, og at de er godtatt av b\u00e5de tilsynsmyndigheter og lovgivere. <span class=\"wsd2\">Liknende k<span class=\"_ _5\"></span>lager mot </span>banker som utsteder boligl<span class=\"_ _5\"></span>\u00e5n med flytende rente i Norge kan forekomme. Dersom en slik sak skulle bli brakt inn for retten i Norge, vil DNB forsvare s<span class=\"_ _5\"></span>itt standpunkt.<span class=\"ls0 ws0\"> </span>I <span class=\"lsaf wsf6\">2023 avsa EU<span class=\"ls0 ws0\">-</span>domstolen dom i en rettssak mot en polsk bank uten tilknytning til DNB, om valutal\u00e5n i Polen. Dommen innebar en avklaring av </span>hvilke krav partene i en l\u00e5neavtale kan rette mot hverandre ders<span class=\"_ _5\"></span>om en nasjonal domstol finner at en l\u00e5neavtale er ugyl<span class=\"lsbd\">d<span class=\"_ _5\"></span>ig.<span class=\"_ _5\"></span> E<span class=\"_ _5\"></span>U<span class=\"ls0 ws0\">-</span></span><span class=\"wscf\">domstolens </span>avgj\u00f8relse p\u00e5virk<span class=\"_ _5\"></span>er andre polske banker med tilsvarende l\u00e5neavtaler. Basert p\u00e5 avklaringen fra E<span class=\"_ _5\"></span>U<span class=\"ls0 ws0\">-</span>domstolen ansl\u00e5r DNB Polen at det er en \u00f8kt juridisk risik<span class=\"_ _5\"></span>o knyttet til portef\u00f8ljen for valutal<span class=\"_ _5\"></span>\u00e5n, som er under a<span class=\"_ _1\"></span>vvik<span class=\"_ _5\"></span>ling. Totalt utl\u00e5n til kunder per 31. desember var 3,5 milliarder kroner og total avsetni<span class=\"_ _5\"></span>ng var 1,4 milliarder kroner. Avsetningen benyttes l\u00f8pende til individuell<span class=\"_ _5\"></span>e dommer og forlik, og akkumulert utbetaling til kunder var 638 millioner kroner.<span class=\"_ _5\"></span> Konsernet har innregnet avsetningen i regnskapet ved \u00e5 redusere brutto bokf\u00f8rt verdi i tr\u00e5d med IFRS 9. Hvis den innregnede eksponeri<span class=\"_ _5\"></span>ngen er utilstrekkelig, vil avset<span class=\"_ _5\"></span>ningene bli innregnet i samsvar med IAS 37. \u00d8kningen i avsetning er pres<span class=\"lsbd\">e<span class=\"_ _5\"></span>nte<span class=\"_ _5\"></span>rt<span class=\"_ _5\"></span> s<span class=\"_ _5\"></span>om </span>\u00abimpairment of financi<span class=\"_ _5\"></span>al instruments\u00bb (ECL) i resultatregnskapet.<span class=\"ls0 ws0\"> </span>Se note K25 Skatt for mer informasjon om usikre skatteforpl<span class=\"_ _5\"></span>iktelser.<span class=\"_ _1c5\"> </span>Note K51 Be<span class=\"_ _1\"></span>tingede utf<span class=\"_ _1\"></span>all<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-401": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K13 Mark<span class=\"_ _2\"></span>edsrisiko<span class=\"_ _1c5\"> </span></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K14 R<span class=\"_ _1\"></span>entef<span class=\"_ _1\"></span>\u00f8lsomhet<span class=\"_ _1c5\"> </span></div>Rentef\u00f8ls<span class=\"_ _1\"></span>omhet per tidsperiode<span class=\"ls0 ws0\"> </span>Verdien av poster p\u00e5 og utenfor balansen p\u00e5virk<span class=\"_ _5\"></span>es av endringer i renteniv\u00e5et. Tabellen viser potensielt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span><span class=\"wsd2\">virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>tap for DNB<span class=\"ls0 ws0\">-</span><span class=\"wscf\">konsernet </span>eksklusive DNB Livsfors<span class=\"_ _5\"></span>ikring AS og DNB <span class=\"_ _1\"></span>Bank Polska S.A ved en endring i renteniv\u00e5et<span class=\"_ _5\"></span> p\u00e5 ett prosentpoeng. Beregningene tar ut<span class=\"wsd2\">gangspunkt<span class=\"_ _5\"></span> i </span>en tenkt situasjon hvor rent<span class=\"_ _5\"></span>eendringene for samtlige valutaslag g\u00e5r i DNBs disfav\u00f8r i forhold til konsernets pos<span class=\"_ _5\"></span>isjoner. Likeledes antas rente<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>endringene innenfor s<span class=\"_ _5\"></span>amtlige tidsintervaller hver for seg \u00e5 v\u00e6re ufordelakti<span class=\"_ _5\"></span>ge for konsernet. Tallene vil s\u00e5ledes reflektere maksim<span class=\"_ _5\"></span>alt tap for DNB. <span class=\"ls0 ws0\"> </span>Beregningene er gjort med utgangspunkt<span class=\"_ _5\"></span> i konsernets posisjoner per 31. desember og markedsrentene p\u00e5 samme tidspunkt. Tabell<span class=\"_ _5\"></span>en omfatter ikke administrat<span class=\"_ _5\"></span>iv renterisiko og renterisiko knytt<span class=\"_ _5\"></span>et til ikke<span class=\"ls0 ws0\">-</span>renteb\u00e6rende eiendeler.<span class=\"ls0 ws0\"> </span><table class=\"s w326 h4db\" id=\"_74cda875-1d35-4613-bea7-c0ed5b5883b0\"><tr><td></td><td></td><td class=\"c x437 y4096 w6f hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">Fra 1 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4096 w6e hd7\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">Fra 3 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x435 y4097 w6e hd7\"><div class=\"t m2 x246 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y4097 w6f hd7\"><div class=\"t m2 x1bc hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">m\u00e5ned i<span class=\"_ _5\"></span>nntil <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4097 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">m\u00e5neder <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4097 w6e hd7\"><div class=\"t m2 x1b9 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y4098 w10c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff196 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y4098 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">1 m\u00e5ned <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y4098 w6f hd7\"><div class=\"t m2 x19b hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">3 m\u00e5nede<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4098 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4098 w6e hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4098 w6f hd7\"><div class=\"t m2 x209 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4098 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4099 w10c h16d\"><div class=\"t m2 x19f hd1 y1dc8 ff194 fs55 fc21 sc0 lsaf wsf6\">31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y409a w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y409a w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y409a w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(45)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y409a w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y409a w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(66)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y409a w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">(136)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y409a w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y409b w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsa7 wsc9\">USD<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y409b w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(59)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y409b w6f hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(9)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y409b w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(84)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y409b w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y409b w6f hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">4 </div></td><td class=\"c x3de y409b w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y409c w10c hda\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsa7 wsc9\">EUR<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y409c w6e hda\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y409c w6f hda\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y409c w6e hda\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x436 y409c w6e hda\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y409c w6f hda\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y409c w6e hda\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y409d w10c hde\"><div class=\"t m2 x163 hcc y1da9 ff195 fs53 fc21 sc0 lsaa wscd\">GBP<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y409d w6e hde\"><div class=\"t m2 x1b6 hcc y1da9 ff195 fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x437 y409d w6f hde\"><div class=\"t m2 x1b6 hcc y1da9 ff195 fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x438 y409d w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff195 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y409d w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff195 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y409d w6f hde\"><div class=\"t m2 x1b6 hcc y1da9 ff195 fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x3de y409d w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff195 fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y409e w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y409e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y409e w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(26)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y409e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(37)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y409e w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y409e w6f hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y409e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(60)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y409f w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">Annen v<span class=\"_ _5\"></span>aluta<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y409f w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y409f w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(50)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y409f w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y409f w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y409f w6f hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y409f w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(47)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40a0 w10c h119\"><div class=\"t m2 x19f hd1 y259f ff194 fs55 fc21 sc0 lsaf wsf6\">31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40a1 w10c hda\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y40a1 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">(163)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40a1 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">(850)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40a1 w6e hda\"><div class=\"t m2 x0 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">902<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40a1 w6e hda\"><div class=\"t m2 x227 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40a1 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">(171)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40a1 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">(272)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40a2 w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsa7 wsc9\">USD<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y40a2 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(35)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40a2 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(35)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40a2 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(91)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40a2 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscb\">132<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40a2 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(16)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40a2 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(45)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40a3 w10c hde\"><div class=\"t m2 x163 hcc y1da9 ff195 fs53 fc21 sc0 lsa7 wsc9\">EUR<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y40a3 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff195 fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40a3 w6f hde\"><div class=\"t m2 x1b6 hcc y1da9 ff195 fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x438 y40a3 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff195 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40a3 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff195 fs53 fc21 sc0 lsb2 wsf1\">(46)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40a3 w6f hde\"><div class=\"t m2 xf9 hcc y1da9 ff195 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40a3 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff195 fs53 fc21 sc0 lsb2 wsf1\">(51)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40a4 w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsaa wscd\">GBP<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y40a4 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40a4 w6f hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x438 y40a4 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40a4 w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x3dd y40a4 w6f hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40a4 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(7)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40a5 w10c hda\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y40a5 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40a5 w6f hda\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">6 </div></td><td class=\"c x438 y40a5 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(23)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40a5 w6e hda\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">4 </div></td><td class=\"c x3dd y40a5 w6f hda\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40a5 w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40a6 w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff195 fs53 fc21 sc0 lsab wscd\">Annen v<span class=\"_ _5\"></span>aluta<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x435 y40a6 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40a6 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(41)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40a6 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40a6 w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff195 fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x3dd y40a6 w6f hdb\"><div class=\"t m2 xf9 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40a6 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff195 fs53 fc21 sc0 lsb2 wsf1\">(51)<span class=\"ls0 ws0\"> </span></div></td></tr></table>Renterisikoen i<span class=\"_ _5\"></span> DNB Livsforsikring AS behandles separat, se note K43 Forsikringsforplikt<span class=\"_ _5\"></span>elser.<span class=\"ls0 ws0\"> </span>Renteris<span class=\"_ _5\"></span>iko i ban<span class=\"_ _5\"></span>kboken<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>DNBs framtidig l\u00f8nnsomhet<span class=\"_ _5\"></span> p\u00e5virkes av endringer i konsernets netto renteinntekt<span class=\"_ _5\"></span>er, som er gjenstand for svingninger i markeds<span class=\"wsd2\">rentene. For <span class=\"_ _5\"></span>\u00e5 </span>ansl\u00e5 effekten av renteendringer p\u00e5 res<span class=\"_ _5\"></span>ultatregnskapet, m\u00e5l<span class=\"_ _5\"></span>es effekten av netto renteinntekter de neste 12 m\u00e5nedene ut fra en konstant balanse per 31. desember 2025. Basert p\u00e5 balansen per 31. desember 2025 vil det v\u00e6re en negativ effekt p\u00e5 netto renteinntekter p\u00e5 <span class=\"ls0 ws0\"> </span>NOK 2 993 millioner som f\u00f8lge av en parallell forskyvning ned p\u00e5 2 prosentpoeng (NOK 3 280 millioner i 2024).<span class=\"_ _1c5\"> </span><div class=\"c w73 h16f gs115\"><div class=\"t m2 x20e hcf y25b2 ff198 fs55 fc21 sc0 lsaf wsf6\">Markedsrisik<span class=\"_ _5\"></span>o er risiko for tap eller reduserte fremtidige inntekter som f\u00f8lge av endringer i markeds<span class=\"_ _5\"></span>priser eller kurser. Ris<span class=\"wsd2\">ikoen <span class=\"_ _5\"></span>oppst\u00e5r som </span></div><div class=\"t m2 x20e hcf y25b3 ff198 fs55 fc21 sc0 lsaf wsf6\">f\u00f8lge av konsernets eksponering i valut<span class=\"_ _5\"></span>a<span class=\"ls0 ws0\">-</span>, eiendoms<span class=\"ls0 ws0\">-</span>, rente<span class=\"ls0 ws0\">-<span class=\"lsc1 ws116\">, r\u00e5vare</span>-</span><span class=\"wsd2\">, kredit<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">- </span></span>og egenkapitalmarkedene. Risi<span class=\"_ _5\"></span>koniv\u00e5et blir bestemt av volatilit<span class=\"_ _5\"></span>et i </div><div class=\"t m2 x20e hcf y25b4 ff198 fs55 fc21 sc0 lsaf wsf6\">markedsprisene og posisj<span class=\"_ _5\"></span>onenes st\u00f8rrelse.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y25b5 ff198 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y25b6 ff198 fs55 fc21 sc0 lsaf wsf6\">DNB kvantifiserer risi<span class=\"_ _5\"></span>ko ved \u00e5 beregne \u00f8konomisk kapital for de enkelte risikoformene og for konsernets samlede risiko. \u00d8kono<span class=\"wsd2\">misk k<span class=\"_ _5\"></span>apital for </span></div><div class=\"t m2 x20e hcf y25b7 ff198 fs55 fc21 sc0 lsaf wsf6\">markedsrisik<span class=\"_ _5\"></span>o skal med en sannsynlighet p\u00e5 99,9 prosent dekke alle potensielle tap knyttet til markeds<span class=\"_ _5\"></span>risiko i l\u00f8pet av de kommende tolv </div><div class=\"t m2 x20e hcf y25b8 ff198 fs55 fc21 sc0 lsaf wsf6\">m\u00e5nedene. Eksponeringene s<span class=\"_ _5\"></span>om inng\u00e5r i modellen, kan v\u00e6re faktisk eksponering eller rammer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y25b9 ff198 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y25ba ff198 fs55 fc21 sc0 lsaf wsd2\">\u00d8konomisk kapi<span class=\"_ _5\"></span>tal for s<span class=\"_ _5\"></span>amlet markedsris<span class=\"_ _5\"></span>iko i DNB<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsf6\">konsernet eksklusive DNB Livsforsik<span class=\"_ _5\"></span>ring AS ved utgangen av 2025 var p\u00e5 7,4 <span class=\"_ _1\"></span>mill<span class=\"_ _5\"></span>iarder </span></div><div class=\"t m2 x20e hcf y25bb ff198 fs55 fc21 sc0 lsaf wsf6\">kroner, mot 8,7 milliarder i 2024. Reduks<span class=\"_ _5\"></span>jonen skyldes i hovedsak \u00f8kt vurdert markedsverdi for Fremtind og dermed lavere risiko i forhol<span class=\"_ _5\"></span>d til </div><div class=\"t m2 x20e hcf y25bc ff198 fs55 fc21 sc0 lsaf wsf6\">tapspotensi<span class=\"_ _5\"></span>alet mot bokf\u00f8rt anskaffelsesverdi. Samtidi<span class=\"_ _5\"></span>g har eksponeringen i Eksportfinans blitt helkonsoli<span class=\"_ _5\"></span>dert inn i konsernet og vises dermed </div><div class=\"t m2 x20e hcf y25bd ff198 fs55 fc21 sc0 lsaf wsd2\">ikke spes<span class=\"_ _5\"></span>ifikt her.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y25be ff198 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y25bf ff198 fs55 fc21 sc0 lsaf wsf6\">Markedsrisik<span class=\"_ _5\"></span>o, ekskludert strategisk ei<span class=\"_ _5\"></span>erskap, utgjorde 4,4 prosent av total \u00f8konomisk kapital ved utgangen av 2025, hvilket er innenfor rammen </div><div class=\"t m2 x20e hcf y25c0 ff198 fs55 fc21 sc0 lsaf wsf6\">for konsernets risikoappet<span class=\"_ _5\"></span>itt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y25c1 ff198 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y25c2 ff198 fs55 fc21 sc0 lsaf wsf6\">Markedsrisik<span class=\"_ _5\"></span>oen i DNB Livsforsikring AS behandles separat, se note K43 Forsikringsforplik<span class=\"_ _5\"></span>telser.<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w73 h14e gs11d\"><div class=\"t m2 x20e hcf y2145 ff1aa fs55 fc21 sc0 lsaf wsf6\">Mesteparten av deriv<span class=\"_ _5\"></span>attransaksjonene i DNB relaterer seg til kundehandel, hvil<span class=\"_ _5\"></span>ket inneb\u00e6rer at DNB tilrettelegger for at kund<span class=\"wsd2\">er kan <span class=\"_ _5\"></span>overf\u00f8re, </span></div><div class=\"t m2 x20e hcf y2146 ff1aa fs55 fc21 sc0 lsaf wsf6\">modifisere,<span class=\"_ _5\"></span> ta eller redusere n\u00e5v\u00e6rende eller forventet risiko. Deriv<span class=\"_ _5\"></span>ater brukes ogs\u00e5 til \u00e5 sikre valuta<span class=\"ls0 ws0\">- </span>og renterisiko som oppst\u00e5r i forbindelse </div><div class=\"t m2 x20e hcf y2147 ff1aa fs55 fc21 sc0 lsaf wsf6\">med finansiering og l\u00e5ngiv<span class=\"_ _5\"></span>ning. I tillegg bedriver DNB Carnegie egenhandel med derivater og opptrer ogs\u00e5 som \u201cmarket maker\u201c. En \u201cmark<span class=\"_ _5\"></span>et </div><div class=\"t m2 x20e hcf y235d ff1aa fs55 fc21 sc0 lsaf wsf6\">maker\u201c er forpliktet t<span class=\"_ _5\"></span>il \u00e5 stille b\u00e5de salgs<span class=\"ls0 ws0\">- </span>og kj\u00f8pspriser med en maksimal forskjell <span class=\"wsd2\">mellom salgs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span>og kj\u00f8pskursen samt mi<span class=\"_ _5\"></span>nimum volum. E<span class=\"_ _5\"></span>n </span></div><div class=\"t m2 x20e hcf y235e ff1aa fs55 fc21 sc0 lsaf wsf6\">\u201cmarket maker\u201c handler allti<span class=\"_ _5\"></span>d for egen regning. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y235f ff1aa fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2360 ff1aa fs55 fc21 sc0 lsaf wsf6\">DNB benytter et spekter av finansielle deri<span class=\"_ _5\"></span>vater b\u00e5de til trading og sikring. OTC<span class=\"ls0 ws0\">-</span>derivat<span class=\"_ _5\"></span>er (\u201cOver the counter\u201c) er kontrakter som akt\u00f8rene inng\u00e5r </div><div class=\"t m2 x20e hcf y2361 ff1aa fs55 fc21 sc0 lsaf wsf6\">seg imellom utenf<span class=\"_ _5\"></span>or b\u00f8rs, der vilk\u00e5rene forhandles direkte med motpartene. OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater handles som regel un<span class=\"wsd2\">der standardiserte IS<span class=\"_ _5\"></span>DA<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y2362 ff1aa fs55 fc21 sc0 lsaf wsf6\">hovedavt<span class=\"_ _5\"></span>aler (International Swaps and Derivatives Association) m<span class=\"_ _5\"></span>ellom DNB og motpartene. B\u00f8rsomsatte derivater er derivatkont<span class=\"_ _5\"></span><span class=\"wsd2\">rakter med </span></div><div class=\"t m2 x20e hcf y264e ff1aa fs55 fc21 sc0 lsaf wsf6\">standardis<span class=\"_ _5\"></span>erte vilk\u00e5r for bel\u00f8p og oppgj\u00f8rsdatoer, som kj\u00f8pes og selges p\u00e5 regulerte b\u00f8rser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y264f ff1aa fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs11e\"><table class=\"s w328 h4dd\" id=\"_97e831f5-2c11-425a-a5fe-8aa67dab92f1\"><tr><td></td><td></td><td class=\"c x478 y40b4 we2 hd7\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x479 y40b4 w162 hd7\"><div class=\"t m2 x248 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x478 y40b5 wdd h13b\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b5 wdd h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47b y40b5 wdc h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b5 w15a h13b\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b5 wde h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47d y40b5 w128 h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x478 y40b6 wdd hd7\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b6 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47b y40b6 wdc hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x479 y40b6 w15a hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b6 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47d y40b6 w128 hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td></tr><tr><td class=\"c x3db y40b7 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1ab fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40b7 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b7 w15a hd7\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40b7 w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40b8 we4 hd9\"><div class=\"t m2 x19f hdc y2369 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter tradin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40b9 we4 hda\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Renterel<span class=\"_ _5\"></span>aterte<span class=\"_ _5\"></span> kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40ba we4 hde\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsb3 ws121\">FRA<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ba wdd hde\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">543</span> <span class=\"lsab wscb\">89<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40ba wdd hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">957<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ba wdc hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ba w15a hde\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">789</span> <span class=\"lsab wscb\">27<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40ba wde hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">658</span> </div></td><td class=\"c x47d y40ba w128 hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">713</span> </div></td></tr><tr><td class=\"c x3db y40bb we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bb wdd hdb\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">995</span> <span class=\"lsab wscb\">93<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47a y40bb wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>938<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bb wdc hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>859<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bb w15a hdb\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47c y40bb wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>270<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bb w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>233<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40bc we4 hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bc wdd hdb\"><div class=\"t m2 x1bc hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">244<span class=\"ls0 ws0\"> </span>421<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bc wdd hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">710</span> </div></td><td class=\"c x47b y40bc wdc hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">554</span> </div></td><td class=\"c x479 y40bc w15a hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>642<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bc wde hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">219</span> </div></td><td class=\"c x47d y40bc w128 hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">155</span> </div></td></tr><tr><td class=\"c x3db y40bd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>terela<span class=\"_ _5\"></span>terte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bd wdd h11f\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">784</span> <span class=\"lsab wscb\">25<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x47a y40bd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>606<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bd wdc h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">65<span class=\"ls0 ws0\"> </span>271<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bd w15a h11f\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">528</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47c y40bd wde h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">79<span class=\"ls0 ws0\"> </span>147<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bd w128 h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">76<span class=\"ls0 ws0\"> </span>102<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40be we4 hd9\"><div class=\"t m2 x163 hdc y1da9 ff1a9 fs53 fc21 sc0 lsab wscd\">Valutarel<span class=\"_ _5\"></span>ater<span class=\"_ _5\"></span>te kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40bf we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bf wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">103<span class=\"ls0 ws0\"> </span>558<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bf wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">237</span> </div></td><td class=\"c x47b y40bf wdc hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">104</span> </div></td><td class=\"c x479 y40bf w15a hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>748<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bf wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x47d y40bf w128 hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">837</span> </div></td></tr><tr><td class=\"c x3db y40c0 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c0 wdd hdb\"><div class=\"t m2 x242 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">201</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c0 wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>615<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c0 wdc hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c0 w15a hdb\"><div class=\"t m2 x28b hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">488</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40c0 wde hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>950<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c0 w128 hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>120<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>402<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40c1 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">875<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c1 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">714<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c1 w15a hda\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>776<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40c1 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">652<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c1 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum valut<span class=\"_ _5\"></span>arelat<span class=\"_ _5\"></span>erte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c2 wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">341</span> <span class=\"lsab wscb\">71<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>417<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c2 w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">620</span> <span class=\"lsab wscb\">94<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x47c y40c2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>079<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>369<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c3 we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Egenk<span class=\"_ _5\"></span>apitalr<span class=\"_ _5\"></span>elatert<span class=\"_ _5\"></span>e kontr<span class=\"_ _5\"></span>akter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40c4 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">413</span> </div></td><td class=\"c x47a y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">134</span> </div></td><td class=\"c x47b y40c4 wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x479 y40c4 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">250</span> </div></td><td class=\"c x47c y40c4 wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">247</span> </div></td><td class=\"c x47d y40c4 w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">205</span> </div></td></tr><tr><td class=\"c x3db y40c5 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c5 wdd hda\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">374</span> </div></td><td class=\"c x47a y40c5 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">554<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c5 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c5 w15a hda\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">148</span> </div></td><td class=\"c x47c y40c5 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">654<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c5 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">443<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c6 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum OT<span class=\"_ _5\"></span>C<span class=\"ls0 ws0\">-</span><span class=\"wscb\">deriv<span class=\"_ _5\"></span>ater</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x478 y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">787</span> </div></td><td class=\"c x47a y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">688</span> </div></td><td class=\"c x47b y40c6 wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">585</span> </div></td><td class=\"c x479 y40c6 w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x47c y40c6 wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">901</span> </div></td><td class=\"c x47d y40c6 w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">648</span> </div></td></tr><tr><td class=\"c x3db y40c7 we4 hd9\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Futures<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c7 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">951</span> </div></td><td class=\"c x47a y40c7 wdd hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47b y40c7 wdc hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x479 y40c7 w15a hd9\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">329</span> </div></td><td class=\"c x47c y40c7 wde hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47d y40c7 w128 hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x3db y40c8 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c8 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">820</span> </div></td><td class=\"c x47a y40c8 wdd hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c8 wdc hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c8 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">957</span> </div></td><td class=\"c x47c y40c8 wde hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c8 w128 hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c9 we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum b\u00f8<span class=\"_ _5\"></span>rsomsa<span class=\"_ _5\"></span>tte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c9 wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">771</span> </div></td><td class=\"c x47a y40c9 wdd h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c9 wdc h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c9 w15a h11f\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">285</span> </div></td><td class=\"c x47c y40c9 wde h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c9 w128 h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40ca we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ege<span class=\"_ _5\"></span>nkapit<span class=\"_ _5\"></span>alrelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ca wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40ca wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x47b y40ca wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x479 y40ca w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">683</span> </div></td><td class=\"c x47c y40ca wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">946</span> </div></td><td class=\"c x47d y40ca w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">694</span> </div></td></tr><tr><td class=\"c x3db y40cb we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Varerela<span class=\"_ _5\"></span>tert<span class=\"_ _5\"></span>e kontra<span class=\"_ _5\"></span>kter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40cc we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscd\">Swapper <span class=\"_ _5\"></span>og op<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cc wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cc wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cc wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cc w15a hdb\"><div class=\"t m2 x20a hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cc wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cc w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40cd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum var<span class=\"_ _5\"></span>erelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cd wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cd wdc h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cd w15a h11f\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cd wde h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cd w128 h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40ce we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater t<span class=\"_ _5\"></span>rading<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ce wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">228</span> <span class=\"lsab wscb\">82<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x47a y40ce wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ce wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ce w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">250</span> <span class=\"lsab wscb\">21<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x47c y40ce wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>528<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40ce w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40cf we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter sikri<span class=\"_ _5\"></span>ngsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d0 we4 hdb\"><div class=\"t m2 x163 hdc y200f ff1a9 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikrin<span class=\"_ _5\"></span>g av r<span class=\"_ _5\"></span>enteris<span class=\"_ _5\"></span>iko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d1 wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d1 wdc hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d1 w15a hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d1 wde hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d1 w128 hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d2 wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d2 w15a hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d3 we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deri<span class=\"_ _5\"></span>vater <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d3 wdd hd9\"><div class=\"t m2 x242 hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">923</span> <span class=\"lsab wscb\">98<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47a y40d3 wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d3 wdc hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d3 w15a hd9\"><div class=\"t m2 x28b hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">887</span> <span class=\"lsab wscb\">26<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40d3 wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d3 w128 hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h14e gs11d\"><div class=\"t m2 x20e hcf y266e ff1aa fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y266f ff1a9 fs59 fc21 sc0 lsb8 wsfe\">Risi<span class=\"_ _1\"></span>ko knytt<span class=\"_ _1\"></span>et t<span class=\"_ _1\"></span>il finan<span class=\"_ _2\"></span>sielle de<span class=\"_ _1\"></span>rivater<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2670 ff1aa fs55 fc21 sc0 lsaf wsf6\">Derivater handles i portef<span class=\"_ _5\"></span>\u00f8ljer der balanseprodukter ogs\u00e5 handles. Markedsris<span class=\"_ _5\"></span>ikoen p\u00e5 derivatene blir h\u00e5ndtert, overv\u00e5ket og <span class=\"wsd2\">kont<span class=\"_ _5\"></span>rollert som en </span></div><div class=\"t m2 x20e hcf y2671 ff1aa fs55 fc21 sc0 lsaf wsf6\">integrert del av disse port<span class=\"_ _5\"></span>ef\u00f8ljenes markedsrisiko. Se note K13 Markedsrisiko. Derivater handles m<span class=\"_ _5\"></span>ed <span class=\"_ _1\"></span>mange ulike<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>motparter, og de fleste av </div><div class=\"t m2 x20e hcf y2672 ff1aa fs55 fc21 sc0 lsaf wsf6\">disse gj\u00f8r ogs\u00e5 andre typer forretninger med DNB. Kredit<span class=\"_ _5\"></span>trisikoen som oppst\u00e5r i forbindelse med handel i derivater inng\u00e5r i d<span class=\"wsd2\">en t<span class=\"_ _5\"></span>otale kreditt<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y2673 ff1aa fs55 fc21 sc0 lsaf wsf6\">risikoen i DNB<span class=\"ls0 ws0\">-</span>konsernet. For mange mot<span class=\"_ _5\"></span>parter er det inng\u00e5tt nettingavtaler eller bilaterale avt<span class=\"_ _5\"></span>aler om sikkerhetsstillelse, og p\u00e5 den m\u00e5ten redu<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2674 ff1aa fs55 fc21 sc0 lsaf wsf6\">seres kredittrisi<span class=\"_ _5\"></span>koen. Myndighetenes kapit<span class=\"_ _5\"></span>alkrav tar hensyn til slike avtaler ved at kapitalkravet reduseres<span class=\"_ _5\"></span>. De fleste OTC<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">derivater med </span></div><div class=\"t m2 x20e hcf y2675 ff1aa fs55 fc21 sc0 lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle motparter motregnes hos en sentral clearingsentral. Se note K5 Styring av kredittrisiko for omtal<span class=\"_ _5\"></span>e av motp<span class=\"lsbe ws10b\">arts<span class=\"_ _5\"></span>risik<span class=\"_ _5\"></span>o.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2676 ff1aa fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2677 ff1aa fs55 fc21 sc0 lsaf wsf6\">DNB benytter basisswapper og rente<span class=\"ls0 ws0\">- </span>og valut<span class=\"_ _5\"></span>aswapper til \u00e5 konvertere innl\u00e5n i valuta til \u00f8nsket valuta. Et typisk eksempel er at banken tar <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2678 ff1aa fs55 fc21 sc0 lsaf wsf6\">opp et l\u00e5n i euro som byttes til dollar gjennom en basisswap. I dette tilfellet vil banken betale en dollarrente bas<span class=\"_ _5\"></span>ert p\u00e5 en<span class=\"ls0 ws0\"> </span>swapkurve og motta <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2679 ff1aa fs55 fc21 sc0 lsaf wsf6\">en eurorente som er redusert eller \u00f8kt med en margin. Disse derivatene f\u00f8res til vi<span class=\"_ _5\"></span>rkelig verdi. Det kan v\u00e6re betydelige endringer i<span class=\"ls0 ws0\"> </span>v<span class=\"_ _5\"></span>erdien p\u00e5 </div><div class=\"t m2 x2d7 hcf y267a ff1aa fs55 fc21 sc0 lsaf wsf6\">basisswappene f<span class=\"_ _5\"></span>ra dag til dag, p\u00e5 <span class=\"_ _1\"></span>grunn av endringer i<span class=\"_ _5\"></span> marginer. Denne risikoen<span class=\"ls0 ws0\"> </span>er usikret og medf\u00f8rer urealis<span class=\"_ _5\"></span>erte gevinster og tap. I 20<span class=\"ls0 ws0\">2</span>5 var </div><div class=\"t m2 x2d7 hcf y267b ff1aa fs55 fc21 sc0 lsaf wsf6\">det en \u00f8kning i verdien p\u00e5 458 millioner kroner (positiv resultat<span class=\"_ _5\"></span>effekt), sammenliknet med <span class=\"wscf\">en </span>reduksj<span class=\"_ _5\"></span>on i verdien p\u00e5 1<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">559 millioner kroner i </span></div><div class=\"t m2 x2d7 hcf y267c ff1aa fs55 fc21 sc0 lsaf wscf\">20<span class=\"ls0 ws0\">2</span>4.<span class=\"ff1a9 ls0 ws0\"> </span></div><div class=\"t m2 x2d7 hcf y267d ff1aa fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x2d7 hcf y267e ff1aa fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K16 Finansielle deriv<span class=\"_ _1\"></span>ater og sikringsbokf\u00f8ring<span class=\"_ _1c5\"> </span></div>Bruk av fi<span class=\"_ _1\"></span>nansi<span class=\"_ _1\"></span>elle d<span class=\"_ _1\"></span>erivat<span class=\"_ _1\"></span>er i DNB<span class=\"_ _1\"></span> Livsfors<span class=\"_ _1\"></span>ikring<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Form\u00e5let med bruk av finansielle derivat<span class=\"_ _5\"></span>er i DNB Livsforsikring er \u00e5 kunne investere i og allokere midler i samsvar med selskapets forventninger til markedsutvikl<span class=\"_ _5\"></span>ingen, gjennom en rask og kostnadseffektiv eiendels<span class=\"_ _5\"></span><span class=\"lscf ws126\">- </span>og markedseks<span class=\"_ _5\"></span>ponering. Videre gir bruk av<span class=\"ls0 ws0\"> </span>derivater mulighet til \u00e5 foreta aktiv risikostyri<span class=\"_ _5\"></span>ng, herunder \u00e5 endre aksje<span class=\"ls0 ws0\">-</span>, rente<span class=\"wscf\">- </span>og valutarisiko. DNB Livsf<span class=\"_ _5\"></span>orsikring benytter ikke sik<span class=\"_ _5\"></span>ringsbokf\u00f8ring. Se n\u00e6rmere beskrivels<span class=\"_ _5\"></span>e i note K14 Rentef\u00f8lsomhet og K15 Valutaposis<span class=\"_ _5\"></span>joner.<span class=\"ls0 ws0\"> </span>Sikr<span class=\"_ _5\"></span>ingsbokf\u00f8r<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span>I virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av rent<span class=\"_ _5\"></span>erisiko konverteres renterisikoeks<span class=\"_ _5\"></span>poneringen p\u00e5 investeringer og gjeld fra fast til flytende rent<span class=\"_ _5\"></span>e. Kun renter<span class=\"lsbe ws10b\">isik<span class=\"_ _5\"></span>o </span></span>beregnet som virkel<span class=\"_ _5\"></span>ig verdi av endringer i interbank swap<span class=\"ls0 ws0\">-</span>renten er sikret. Renteswapavtaler bruk<span class=\"_ _5\"></span>es til \u00e5 sikre rentedelen, der endringen i virkelig verdi er et res<span class=\"_ _5\"></span>ultat av endringene i swaprenten.<span class=\"ls0 ws0\"> </span>De sentrale vilk\u00e5rene for sik<span class=\"_ _5\"></span>ringsinstrumentene og sikringsobj<span class=\"_ _5\"></span>ektene er satt slik at de samsvarer ved inng\u00e5elsen av sikringen<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">og sik<span class=\"_ _5\"></span>ringsgraden </span>er 1:1. Dermed var det ingen vesentlig sikrings<span class=\"_ _5\"></span>inneffektivitet for \u00e5ret<div class=\"gs123\"><table class=\"s w329 h4de\" id=\"_82620e6a-0fc3-4ee2-a7c9-c7218f0c9e33\"><tr><td class=\"c x3fc y40d4 w163 hdb\"><div class=\"t m2 x19f hd1 y23e6 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d5 w165 hdb\"><div class=\"t m2 x248 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d5 w166 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d6 w165 hd7\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d6 w166 hd7\"><div class=\"t m2 x20c hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40d7 w164 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40d7 w165 hd7\"><div class=\"t m2 x1df hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40d7 w166 hd7\"><div class=\"t m2 x199 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40d7 w165 hd7\"><div class=\"t m2 x1e3 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d7 w166 hd7\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40d8 w164 h11f\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x208 hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x15d hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40da w164 h129\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40da w165 h129\"><div class=\"t m2 xa hcc y26c5 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40da w166 h129\"><div class=\"t m2 x188 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">204</span> <span class=\"lsab wscb\">587</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40da w165 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x47f y40da w166 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3fc y40db w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40db w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40db w166 hdb\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">299</span> <span class=\"lsab wscb\">462</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40db w165 hdb\"><div class=\"t m2 x27 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">146</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40db w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">617</span> </div></td></tr><tr><td class=\"c x3fc y40dc w164 hda\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dc w165 hda\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dc w166 hda\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dc w165 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40dc w166 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">123</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40dd w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dd w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dd w166 hdb\"><div class=\"t m2 x13b hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">228</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dd w165 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">38</span> </div></td><td class=\"c x47f y40dd w166 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td></tr><tr><td class=\"c x3fc y40de w164 hde\"><div class=\"t m2 x19f hdc y1dc1 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40df w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40df w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40df w166 hdb\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table></div><div class=\"gs124\"><table class=\"s w329 h4df\" id=\"_d3533f1c-2e78-4a40-9246-7828b2294483\"><tr><td class=\"c x3fc y40e0 w163 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e1 w165 hde\"><div class=\"t m2 x248 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e1 w166 hde\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e2 w165 hd7\"><div class=\"t m2 x1b5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e2 w166 hd7\"><div class=\"t m2 x20c hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40e3 w164 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e3 w165 hd7\"><div class=\"t m2 x1df hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e3 w166 hd7\"><div class=\"t m2 x199 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40e3 w165 hd7\"><div class=\"t m2 x1e3 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e3 w166 hd7\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40e4 w164 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x208 hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x15d hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40e6 w164 h127\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40e6 w165 h127\"><div class=\"t m2 xa hcc y26d1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e6 w166 h127\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">177</span> <span class=\"lsab wscb\">807</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e6 w165 h127\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">602</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e6 w166 h127\"><div class=\"t m2 x20d hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">829</span> </div></td></tr><tr><td class=\"c x3fc y40e7 w164 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e7 w165 hdb\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e7 w166 hdb\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">312</span> <span class=\"lsab wscb\">496</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e7 w165 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">703</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e7 w166 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">815</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e8 w164 hde\"><div class=\"t m2 x163 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e8 w165 hde\"><div class=\"t m2 xf9 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e8 w166 hde\"><div class=\"t m2 x188 hcc y1da9 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">115</span> <span class=\"lsab wscb\">675</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e8 w165 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">170</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e8 w166 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">414</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e9 w164 hda\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e9 w165 hda\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e9 w166 hda\"><div class=\"t m2 x13b hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">069</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e9 w165 hda\"><div class=\"t m2 x20d hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x47f y40e9 w166 hda\"><div class=\"t m2 x127 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">(113)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40ea w164 hdb\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40eb w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40eb w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40eb w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">074</span> </div></td></tr></table></div><div class=\"c w73 h13a gs125\"><div class=\"t m2 x20e hcf y26d7 ff1b5 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y26d8 ff1b5 fs55 fc21 sc0 lsaf wsf6\">Det akkumulerte bel\u00f8<span class=\"_ _5\"></span>pet for justeringer av virkelig verdi<span class=\"ls0 ws0\">-</span>sikring i balanseopps<span class=\"_ _5\"></span>tillingen for sikringsobjekter s<span class=\"_ _5\"></span>om ikke lenger justeres for sikrings<span class=\"ls0 ws0\">- </span></div><div class=\"t m2 x20e hcf y26d9 ff1b5 fs55 fc21 sc0 lsaf wsf6\">gevinster og <span class=\"ls0 ws0\">-</span><span class=\"wscf\">tap var<span class=\"ls0 ws0\"> </span></span>12 mill<span class=\"_ _5\"></span>ioner kroner per 31. desember 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">5.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y26da ff1b5 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs126\"><table class=\"s w32a h4e0\" id=\"_e9a9fc4a-d9e8-4a12-815a-82f7daf309db\"><tr><td class=\"c x3db y40ec w71 hde\"><div class=\"t m2 x19f hd1 y2100 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40ed w167 hdb\"><div class=\"t m2 x6d hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40ee w6f h13b\"><div class=\"t m2 x246 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ee w6f h13b\"><div class=\"t m2 x1b9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40ef w152 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40ef w6f hd7\"><div class=\"t m2 x1ba hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ef w6e hd7\"><div class=\"t m2 x1bc hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ef w6e hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ef w6f hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40ef w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f0 w152 hdd\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f1 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f1 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">642</span> </div></td><td class=\"c x438 y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x436 y40f1 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">453</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f1 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">145</span> <span class=\"lsab wscb\">884</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">632</span> </div></td></tr><tr><td class=\"c x3db y40f2 w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f2 w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">163</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">518</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">59</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f2 w6f hde\"><div class=\"t m2 x20f hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">289</span> <span class=\"lsab wscb\">195</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">88</span> <span class=\"lsab wscb\">699</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40f3 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40f3 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">738</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td></tr></table></div><div class=\"gs127\"><table class=\"s w32a h4e1\" id=\"_8feb3678-9d67-4aaa-a1bd-071ea8d0b2be\"><tr><td class=\"c x3db y40f4 w71 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40f5 w167 hde\"><div class=\"t m2 x6d hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40f6 w6f h13b\"><div class=\"t m2 x246 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f6 w6f h13b\"><div class=\"t m2 x1b9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40f7 w152 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f7 w6f hd7\"><div class=\"t m2 x1ba hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f7 w6e hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f7 w6e hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f7 w6f hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40f7 w6e hd7\"><div class=\"t m2 x209 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f8 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f9 w152 hda\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f9 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">625</span> </div></td><td class=\"c x438 y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">277</span> </div></td><td class=\"c x436 y40f9 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f9 w6f hda\"><div class=\"t m2 x20f hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">163</span> <span class=\"lsab wscb\">560</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">737</span> </div></td></tr><tr><td class=\"c x3db y40fa w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40fa w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">295</span> </div></td><td class=\"c x438 y40fa w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">249</span> </div></td><td class=\"c x436 y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">69</span> <span class=\"lsab wscb\">612</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40fa w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">281</span> <span class=\"lsab wscb\">281</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">82</span> <span class=\"lsab wscb\">778</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40fb w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40fb w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">157</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fb w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">412<span class=\"_ _1c5\"> </span></span></div></td></tr></table></div><div class=\"c w111 h13a gs129\"><div class=\"t m2 x248 hcf y269e ff1b7 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y269f ff1b8 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y26a0 ff1b7 fs55 fc21 sc0 lsaf wsf6\">Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y26a1 ff1b7 fs55 fc21 sc0 lsaf wsf6\">DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap </div><div class=\"t m2 x248 hcf y26a2 ff1b7 fs55 fc21 sc0 lsaf wsf6\">har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span></div><div class=\"t m2 x248 hcf y26a3 ff1b7 fs55 fc21 sc0 lsaf wsf6\">mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span></div><div class=\"t m2 x248 hcf y26a4 ff1b7 fs55 fc21 sc0 lsaf wsf6\">\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y26a5 ff1b7 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26a6 ff1b7 fs55 fc21 sc0 lsaf wsf6\">Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y26a7 ff1b7 fs55 fc21 sc0 lsaf wsf6\">effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span></div><div class=\"t m2 x248 hcf y26a8 ff1b7 fs55 fc21 sc0 lsaf wsf6\">endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span></div><div class=\"t m2 x248 hcf y26a9 ff1b7 fs55 fc21 sc0 lsaf wsd2\">knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span></div><div class=\"t m2 x248 hcf y26aa ff1b7 fs55 fc21 sc0 lsaf wsf6\">samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y26ab ff1b7 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26ac ff1b7 fs55 fc21 sc0 lsaf wsf6\">Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x248 hcf y26ad ff1b7 fs55 fc21 sc0 lsaf wsf6\">som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y26ae ff1b7 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26af ff1b7 fs55 fc21 sc0 lsaf wsf6\">Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen </div><div class=\"t m2 x248 hcf y26b0 ff1b7 fs55 fc21 sc0 lsaf wsf6\">til result<span class=\"_ _5\"></span>atregnskapet. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y26b1 ff1b7 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26b2 ff1b7 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26b3 ff1b7 fs55 fc21 sc0 lsaf wsf6\">I nettoinv<span class=\"_ _5\"></span>esteringssikring av utenlandske datt<span class=\"_ _5\"></span>erselskaper brukes innskudd i valuta og innl\u00e5n i valuta som sikringsinst<span class=\"_ _5\"></span>rumente<span class=\"lsbd ws117\">r.<span class=\"_ _5\"></span> Diss<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span> ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>ru<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y26b4 ff1b7 fs55 fc21 sc0 lsaf wsf6\">mentene presenteres<span class=\"_ _5\"></span> som innskudd fra kunder og verdipapirgjeld i balansen. Instrum<span class=\"_ _5\"></span>enter i EUR, USD, G<span class=\"_ _1\"></span>BP og SEK bruk<span class=\"lsbf ws127\">es til \u00e5 si<span class=\"_ _1\"></span>kre in<span class=\"_ _1\"></span>ve<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y26b5 ff1b7 fs55 fc21 sc0 lsaf wsf6\">steringene i konsernets<span class=\"_ _5\"></span> datterselskaper med funksjonell valut<span class=\"_ _5\"></span>a EUR, USD, GBP, SEK og D<span class=\"_ _1\"></span>KK. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y26b6 ff1b7 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26b7 ff1b7 fs55 fc21 sc0 lsaf wsf6\">Total sikret eksponering i<span class=\"_ _5\"></span> nettoinvesteringssikringer ut<span class=\"_ _5\"></span>gjorde 75<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">242 milli<span class=\"_ _5\"></span>oner kroner per <span class=\"_ _5\"></span>31. desember 20<span class=\"ls0 ws0\">2</span></span>5. Det var i<span class=\"_ _5\"></span>ngen vesentlig sikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y26b8 ff1b7 fs55 fc21 sc0 lsaf wsf6\">inneffekt<span class=\"_ _5\"></span>ivitet for \u00e5ret, ettersom valutagevinst<span class=\"_ _5\"></span>er og <span class=\"ls0 ws0\">-</span>tap p\u00e5 sikringsobjektetene ble motvirket av valutagevinster og <span class=\"ls0 ws0\">-</span><span class=\"wsd2\">tap <span class=\"_ _5\"></span>p\u00e5 sikringsinstrum<span class=\"_ _5\"></span>entene. </span></div><div class=\"t m2 x248 hcf y26b9 ff1b7 fs55 fc21 sc0 lsaf wsf6\">Effektene av nettoinv<span class=\"_ _5\"></span>esteringssikringen vises i endri<span class=\"_ _5\"></span>ng i egenkapital. <span class=\"ls0 ws102\">  </span></div><div class=\"t m2 x248 he2 y26ba ff1b7 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y26bb ff1b7 fs55 fc21 sc0 lsaf wsf6\">Omklassifis<span class=\"_ _5\"></span>eringer fra nettoinvesteringss<span class=\"_ _5\"></span>ikringsreserv<span class=\"_ _5\"></span>e til resultatet, p\u00e5 grunn av for eksempel salg av datterselskaper, vises i total<span class=\"_ _5\"></span>resultatet og <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y26bc ff1b7 fs55 fc21 sc0 lsaf wsf6\">i endring i egenkapital.<span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-402": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K15 V<span class=\"_ _2\"></span>alutaposisjoner<span class=\"_ _1c5\"> </span></div><div class=\"c w111 h182 gs119\"><div class=\"t m2 x248 hcf y25e8 ff1a3 fs55 fc21 sc0 lsaf wsf6\">Tabellen angir netto valut<span class=\"_ _5\"></span>aeksponering per 31. desember medregnet finansielle deri<span class=\"_ _5\"></span>vater. Valutarisiko vedr\u00f8rende inv<span class=\"_ _5\"></span>esteringer i </div><div class=\"t m2 x248 hcf y25e9 ff1a3 fs55 fc21 sc0 lsaf wsf6\">konserns<span class=\"_ _5\"></span>elskaper inng\u00e5r i valutaposisjonen med balansef\u00f8rt bel\u00f8p.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y25ea ff1a3 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y25eb ff1a3 fs55 fc21 sc0 lsaf wsf6\">Valutarisi<span class=\"_ _5\"></span>ko i DNB Livsforsikring oppst\u00e5r som f\u00f8lge av at selskapet investerer deler av sin verdipapirportef<span class=\"_ _5\"></span>\u00f8lje og eiendomsportef\u00f8lje i det </div><div class=\"t m2 x248 hcf y25ec ff1a3 fs55 fc21 sc0 lsaf wsd2\">internasj<span class=\"_ _5\"></span>onale verdipapir<span class=\"wsf6\">m<span class=\"_ _5\"></span>arkedet. Innev\u00e6rende valutasikringss<span class=\"_ _5\"></span>trategi for DNB Livsfors<span class=\"_ _5\"></span>ikring inneb\u00e6rer at samlet v</span>alutarisiko <span class=\"_ _5\"></span>reduseres til <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y25ed ff1a3 fs55 fc21 sc0 lsaf wsf6\">et mini<span class=\"lscd ws106\">mu<span class=\"_ _5\"></span>m.<span class=\"ls0 ws0\"> </span></span></div></div><div class=\"gs11a\"><table class=\"s w327 h4dc\" id=\"_f25aa701-eafe-4aaf-9498-55e164becc73\"><tr><td></td><td></td><td></td><td></td><td class=\"c x45f y40a7 w161 hdb\"><div class=\"t m2 x4d hdc y1db0 ff1a4 fs53 fc21 sc0 lsa7 wsc9\">DNB<span class=\"ls0 ws0\">-<span class=\"lsb3 ws121\">konse<span class=\"_ _5\"></span>rne<span class=\"_ _5\"></span>t</span></span><span class=\"ls0 ws0\"><span class=\"lsb3 ws121\"> </span> </span></div></td></tr><tr><td></td><td></td><td class=\"c x477 y40a8 w111 h182\"><div class=\"t m2 x195 hdc y25f2 ff1a4 fs53 fc21 sc0 lsb3 wsf1\">DNB Li<span class=\"_ _5\"></span>vsfor<span class=\"_ _5\"></span>sikr<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span> </div></td><td></td><td class=\"c x477 y40a8 w111 h182\"><div class=\"t m2 x104 hdc y25f2 ff1a4 fs53 fc21 sc0 lsab wsd0\">ekskl. DNB<span class=\"_ _5\"></span> Livsfor<span class=\"_ _5\"></span>sikrin<span class=\"_ _5\"></span>g </div></td></tr><tr><td></td><td></td><td class=\"c x461 y40a9 w160 hd7\"><div class=\"t m2 x204 hcc y1da9 ff1a3 fs53 fc21 sc0 lsab wscd\">Netto val<span class=\"_ _5\"></span>utaeks<span class=\"_ _5\"></span>poneri<span class=\"_ _5\"></span>ng <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x45f y40a9 w161 hd7\"><div class=\"t m2 x204 hcc y1da9 ff1a3 fs53 fc21 sc0 lsab wscd\">Netto val<span class=\"_ _5\"></span>utaeks<span class=\"_ _5\"></span>poneri<span class=\"_ _5\"></span>ng <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40aa w13c hd7\"><div class=\"t m2 x19f hd8 y1da9 ff1a5 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40aa w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff1a3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y40aa w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff1a3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y40aa w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff1a3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y40aa w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff1a3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40ab w13c hd9\"><div class=\"t m2 x19f hcc y1db0 ff1a3 fs53 fc21 sc0 lsa7 wsc9\">USD <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40ab w6e hd9\"><div class=\"t m2 x1e3 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">38</span> </div></td><td class=\"c x462 y40ab w6f hd9\"><div class=\"t m2 x249 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(34)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y40ab w6e hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">113</span> </div></td><td class=\"c x463 y40ab w6e hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">899</span> </div></td></tr><tr><td class=\"c x45e y40ac w13c hdb\"><div class=\"t m2 x19f hcc y2369 ff1a3 fs53 fc21 sc0 lsa7 wsc9\">EUR <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40ac w6e hdb\"><div class=\"t m2 x134 hcc y2369 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 9 </div></td><td class=\"c x462 y40ac w6f hdb\"><div class=\"t m2 x1e3 hcc y2369 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">46</span> </div></td><td class=\"c x45f y40ac w6e hdb\"><div class=\"t m2 x1b8 hcc y2369 ff1a3 fs53 fc21 sc0 lsab wscb\">(476)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y40ac w6e hdb\"><div class=\"t m2 x1b5 hcc y2369 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">427</span> </div></td></tr><tr><td class=\"c x45e y40ad w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff1a3 fs53 fc21 sc0 lsa8 ws99\">GBP <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40ad w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(12)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y40ad w6f hda\"><div class=\"t m2 x1e3 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">12</span> </div></td><td class=\"c x45f y40ad w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y40ad w6e hda\"><div class=\"t m2 xf9 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40ae w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff1a3 fs53 fc21 sc0 lsa8 ws99\">SEK <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40ae w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y40ae w6f hde\"><div class=\"t m2 x1e3 hcc y1da9 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">85</span> </div></td><td class=\"c x45f y40ae w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">048</span> </div></td><td class=\"c x463 y40ae w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">59</span> </div></td></tr><tr><td class=\"c x45e y40af w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff1a3 fs53 fc21 sc0 lsa8 ws99\">DKK <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40af w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y40af w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(15)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y40af w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">66</span> </div></td><td class=\"c x463 y40af w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">224</span> </div></td></tr><tr><td class=\"c x45e y40b0 w13c hdb\"><div class=\"t m2 x19f hcc y2369 ff1a3 fs53 fc21 sc0 lsa7 wsc9\">CHF<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40b0 w6e hdb\"><div class=\"t m2 xf9 hcc y2369 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y40b0 w6f hdb\"><div class=\"t m2 x1e3 hcc y2369 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">41</span> </div></td><td class=\"c x45f y40b0 w6e hdb\"><div class=\"t m2 x249 hcc y2369 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y40b0 w6e hdb\"><div class=\"t m2 xf9 hcc y2369 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40b1 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff1a3 fs53 fc21 sc0 lsa8 ws99\">JPY <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40b1 w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">26</span> </div></td><td class=\"c x462 y40b1 w6f hda\"><div class=\"t m2 x1e3 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">31</span> </div></td><td class=\"c x45f y40b1 w6e hda\"><div class=\"t m2 xf9 hcc y1db0 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y40b1 w6e hda\"><div class=\"t m2 x134 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 7 </div></td></tr><tr><td class=\"c x45e y40b2 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40b2 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">076</span> </div></td><td class=\"c x462 y40b2 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">687</span> </div></td><td class=\"c x45f y40b2 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">163</span> </div></td><td class=\"c x463 y40b2 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff1a3 fs53 fc21 sc0 lsb2 wsf1\">(69)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40b3 w13c hd9\"><div class=\"t m2 x19f hcc y1db0 ff1a3 fs53 fc21 sc0 lsab wscd\">Sum ute<span class=\"_ _5\"></span>nlandsk<span class=\"_ _5\"></span> val<span class=\"_ _5\"></span>uta<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y40b3 w6e hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">065</span> </div></td><td class=\"c x462 y40b3 w6f hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">853</span> </div></td><td class=\"c x45f y40b3 w6e hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">876</span> </div></td><td class=\"c x463 y40b3 w6e hd9\"><div class=\"t m2 x2d7 hcc y1db0 ff1a3 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">540</span> </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-426": {
   "value": "Note K16 Finansielle deriv<span class=\"_ _1\"></span>ater og sikringsbokf\u00f8ring<span class=\"_ _1c5\"> </span>Mesteparten av deriv<span class=\"_ _5\"></span>attransaksjonene i DNB relaterer seg til kundehandel, hvil<span class=\"_ _5\"></span>ket inneb\u00e6rer at DNB tilrettelegger for at kund<span class=\"wsd2\">er kan <span class=\"_ _5\"></span>overf\u00f8re, </span>modifisere,<span class=\"_ _5\"></span> ta eller redusere n\u00e5v\u00e6rende eller forventet risiko. Deriv<span class=\"_ _5\"></span>ater brukes ogs\u00e5 til \u00e5 sikre valuta<span class=\"ls0 ws0\">- </span>og renterisiko som oppst\u00e5r i forbindelse med finansiering og l\u00e5ngiv<span class=\"_ _5\"></span>ning. I tillegg bedriver DNB Carnegie egenhandel med derivater og opptrer ogs\u00e5 som \u201cmarket maker\u201c. En \u201cmark<span class=\"_ _5\"></span>et maker\u201c er forpliktet t<span class=\"_ _5\"></span>il \u00e5 stille b\u00e5de salgs<span class=\"ls0 ws0\">- </span>og kj\u00f8pspriser med en maksimal forskjell <span class=\"wsd2\">mellom salgs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span>og kj\u00f8pskursen samt mi<span class=\"_ _5\"></span>nimum volum. E<span class=\"_ _5\"></span>n </span>\u201cmarket maker\u201c handler allti<span class=\"_ _5\"></span>d for egen regning. <span class=\"ls0 ws0\"> </span>DNB benytter et spekter av finansielle deri<span class=\"_ _5\"></span>vater b\u00e5de til trading og sikring. OTC<span class=\"ls0 ws0\">-</span>derivat<span class=\"_ _5\"></span>er (\u201cOver the counter\u201c) er kontrakter som akt\u00f8rene inng\u00e5r seg imellom utenf<span class=\"_ _5\"></span>or b\u00f8rs, der vilk\u00e5rene forhandles direkte med motpartene. OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater handles som regel un<span class=\"wsd2\">der standardiserte IS<span class=\"_ _5\"></span>DA<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>hovedavt<span class=\"_ _5\"></span>aler (International Swaps and Derivatives Association) m<span class=\"_ _5\"></span>ellom DNB og motpartene. B\u00f8rsomsatte derivater er derivatkont<span class=\"_ _5\"></span><span class=\"wsd2\">rakter med </span>standardis<span class=\"_ _5\"></span>erte vilk\u00e5r for bel\u00f8p og oppgj\u00f8rsdatoer, som kj\u00f8pes og selges p\u00e5 regulerte b\u00f8rser. <span class=\"ls0 ws0\"> </span><table class=\"s w328 h4dd\" id=\"_97e831f5-2c11-425a-a5fe-8aa67dab92f1\"><tr><td></td><td></td><td class=\"c x478 y40b4 we2 hd7\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x479 y40b4 w162 hd7\"><div class=\"t m2 x248 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x478 y40b5 wdd h13b\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b5 wdd h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47b y40b5 wdc h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b5 w15a h13b\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b5 wde h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47d y40b5 w128 h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x478 y40b6 wdd hd7\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b6 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47b y40b6 wdc hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x479 y40b6 w15a hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b6 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47d y40b6 w128 hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td></tr><tr><td class=\"c x3db y40b7 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1ab fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40b7 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b7 w15a hd7\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40b7 w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40b8 we4 hd9\"><div class=\"t m2 x19f hdc y2369 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter tradin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40b9 we4 hda\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Renterel<span class=\"_ _5\"></span>aterte<span class=\"_ _5\"></span> kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40ba we4 hde\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsb3 ws121\">FRA<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ba wdd hde\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">543</span> <span class=\"lsab wscb\">89<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40ba wdd hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">957<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ba wdc hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ba w15a hde\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">789</span> <span class=\"lsab wscb\">27<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40ba wde hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">658</span> </div></td><td class=\"c x47d y40ba w128 hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">713</span> </div></td></tr><tr><td class=\"c x3db y40bb we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bb wdd hdb\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">995</span> <span class=\"lsab wscb\">93<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47a y40bb wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>938<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bb wdc hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>859<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bb w15a hdb\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47c y40bb wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>270<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bb w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>233<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40bc we4 hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bc wdd hdb\"><div class=\"t m2 x1bc hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">244<span class=\"ls0 ws0\"> </span>421<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bc wdd hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">710</span> </div></td><td class=\"c x47b y40bc wdc hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">554</span> </div></td><td class=\"c x479 y40bc w15a hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>642<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bc wde hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">219</span> </div></td><td class=\"c x47d y40bc w128 hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">155</span> </div></td></tr><tr><td class=\"c x3db y40bd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>terela<span class=\"_ _5\"></span>terte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bd wdd h11f\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">784</span> <span class=\"lsab wscb\">25<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x47a y40bd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>606<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bd wdc h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">65<span class=\"ls0 ws0\"> </span>271<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bd w15a h11f\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">528</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47c y40bd wde h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">79<span class=\"ls0 ws0\"> </span>147<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bd w128 h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">76<span class=\"ls0 ws0\"> </span>102<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40be we4 hd9\"><div class=\"t m2 x163 hdc y1da9 ff1a9 fs53 fc21 sc0 lsab wscd\">Valutarel<span class=\"_ _5\"></span>ater<span class=\"_ _5\"></span>te kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40bf we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bf wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">103<span class=\"ls0 ws0\"> </span>558<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bf wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">237</span> </div></td><td class=\"c x47b y40bf wdc hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">104</span> </div></td><td class=\"c x479 y40bf w15a hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>748<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bf wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x47d y40bf w128 hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">837</span> </div></td></tr><tr><td class=\"c x3db y40c0 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c0 wdd hdb\"><div class=\"t m2 x242 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">201</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c0 wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>615<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c0 wdc hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c0 w15a hdb\"><div class=\"t m2 x28b hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">488</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40c0 wde hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>950<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c0 w128 hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>120<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>402<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40c1 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">875<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c1 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">714<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c1 w15a hda\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>776<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40c1 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">652<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c1 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum valut<span class=\"_ _5\"></span>arelat<span class=\"_ _5\"></span>erte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c2 wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">341</span> <span class=\"lsab wscb\">71<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>417<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c2 w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">620</span> <span class=\"lsab wscb\">94<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x47c y40c2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>079<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>369<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c3 we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Egenk<span class=\"_ _5\"></span>apitalr<span class=\"_ _5\"></span>elatert<span class=\"_ _5\"></span>e kontr<span class=\"_ _5\"></span>akter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40c4 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">413</span> </div></td><td class=\"c x47a y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">134</span> </div></td><td class=\"c x47b y40c4 wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x479 y40c4 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">250</span> </div></td><td class=\"c x47c y40c4 wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">247</span> </div></td><td class=\"c x47d y40c4 w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">205</span> </div></td></tr><tr><td class=\"c x3db y40c5 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c5 wdd hda\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">374</span> </div></td><td class=\"c x47a y40c5 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">554<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c5 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c5 w15a hda\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">148</span> </div></td><td class=\"c x47c y40c5 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">654<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c5 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">443<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c6 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum OT<span class=\"_ _5\"></span>C<span class=\"ls0 ws0\">-</span><span class=\"wscb\">deriv<span class=\"_ _5\"></span>ater</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x478 y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">787</span> </div></td><td class=\"c x47a y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">688</span> </div></td><td class=\"c x47b y40c6 wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">585</span> </div></td><td class=\"c x479 y40c6 w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x47c y40c6 wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">901</span> </div></td><td class=\"c x47d y40c6 w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">648</span> </div></td></tr><tr><td class=\"c x3db y40c7 we4 hd9\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Futures<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c7 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">951</span> </div></td><td class=\"c x47a y40c7 wdd hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47b y40c7 wdc hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x479 y40c7 w15a hd9\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">329</span> </div></td><td class=\"c x47c y40c7 wde hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47d y40c7 w128 hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x3db y40c8 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c8 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">820</span> </div></td><td class=\"c x47a y40c8 wdd hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c8 wdc hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c8 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">957</span> </div></td><td class=\"c x47c y40c8 wde hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c8 w128 hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c9 we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum b\u00f8<span class=\"_ _5\"></span>rsomsa<span class=\"_ _5\"></span>tte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c9 wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">771</span> </div></td><td class=\"c x47a y40c9 wdd h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c9 wdc h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c9 w15a h11f\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">285</span> </div></td><td class=\"c x47c y40c9 wde h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c9 w128 h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40ca we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ege<span class=\"_ _5\"></span>nkapit<span class=\"_ _5\"></span>alrelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ca wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40ca wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x47b y40ca wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x479 y40ca w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">683</span> </div></td><td class=\"c x47c y40ca wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">946</span> </div></td><td class=\"c x47d y40ca w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">694</span> </div></td></tr><tr><td class=\"c x3db y40cb we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Varerela<span class=\"_ _5\"></span>tert<span class=\"_ _5\"></span>e kontra<span class=\"_ _5\"></span>kter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40cc we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscd\">Swapper <span class=\"_ _5\"></span>og op<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cc wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cc wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cc wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cc w15a hdb\"><div class=\"t m2 x20a hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cc wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cc w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40cd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum var<span class=\"_ _5\"></span>erelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cd wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cd wdc h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cd w15a h11f\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cd wde h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cd w128 h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40ce we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater t<span class=\"_ _5\"></span>rading<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ce wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">228</span> <span class=\"lsab wscb\">82<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x47a y40ce wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ce wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ce w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">250</span> <span class=\"lsab wscb\">21<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x47c y40ce wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>528<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40ce w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40cf we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter sikri<span class=\"_ _5\"></span>ngsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d0 we4 hdb\"><div class=\"t m2 x163 hdc y200f ff1a9 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikrin<span class=\"_ _5\"></span>g av r<span class=\"_ _5\"></span>enteris<span class=\"_ _5\"></span>iko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d1 wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d1 wdc hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d1 w15a hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d1 wde hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d1 w128 hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d2 wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d2 w15a hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d3 we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deri<span class=\"_ _5\"></span>vater <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d3 wdd hd9\"><div class=\"t m2 x242 hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">923</span> <span class=\"lsab wscb\">98<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47a y40d3 wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d3 wdc hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d3 w15a hd9\"><div class=\"t m2 x28b hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">887</span> <span class=\"lsab wscb\">26<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40d3 wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d3 w128 hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Risi<span class=\"_ _1\"></span>ko knytt<span class=\"_ _1\"></span>et t<span class=\"_ _1\"></span>il finan<span class=\"_ _2\"></span>sielle de<span class=\"_ _1\"></span>rivater<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Derivater handles i portef<span class=\"_ _5\"></span>\u00f8ljer der balanseprodukter ogs\u00e5 handles. Markedsris<span class=\"_ _5\"></span>ikoen p\u00e5 derivatene blir h\u00e5ndtert, overv\u00e5ket og <span class=\"wsd2\">kont<span class=\"_ _5\"></span>rollert som en </span>integrert del av disse port<span class=\"_ _5\"></span>ef\u00f8ljenes markedsrisiko. Se note K13 Markedsrisiko. Derivater handles m<span class=\"_ _5\"></span>ed <span class=\"_ _1\"></span>mange ulike<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>motparter, og de fleste av disse gj\u00f8r ogs\u00e5 andre typer forretninger med DNB. Kredit<span class=\"_ _5\"></span>trisikoen som oppst\u00e5r i forbindelse med handel i derivater inng\u00e5r i d<span class=\"wsd2\">en t<span class=\"_ _5\"></span>otale kreditt<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>risikoen i DNB<span class=\"ls0 ws0\">-</span>konsernet. For mange mot<span class=\"_ _5\"></span>parter er det inng\u00e5tt nettingavtaler eller bilaterale avt<span class=\"_ _5\"></span>aler om sikkerhetsstillelse, og p\u00e5 den m\u00e5ten redu<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>seres kredittrisi<span class=\"_ _5\"></span>koen. Myndighetenes kapit<span class=\"_ _5\"></span>alkrav tar hensyn til slike avtaler ved at kapitalkravet reduseres<span class=\"_ _5\"></span>. De fleste OTC<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">derivater med </span>finansi<span class=\"_ _5\"></span>elle motparter motregnes hos en sentral clearingsentral. Se note K5 Styring av kredittrisiko for omtal<span class=\"_ _5\"></span>e av motp<span class=\"lsbe ws10b\">arts<span class=\"_ _5\"></span>risik<span class=\"_ _5\"></span>o.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>DNB benytter basisswapper og rente<span class=\"ls0 ws0\">- </span>og valut<span class=\"_ _5\"></span>aswapper til \u00e5 konvertere innl\u00e5n i valuta til \u00f8nsket valuta. Et typisk eksempel er at banken tar <span class=\"ls0 ws0\"> </span>opp et l\u00e5n i euro som byttes til dollar gjennom en basisswap. I dette tilfellet vil banken betale en dollarrente bas<span class=\"_ _5\"></span>ert p\u00e5 en<span class=\"ls0 ws0\"> </span>swapkurve og motta <span class=\"ls0 ws0\"> </span>en eurorente som er redusert eller \u00f8kt med en margin. Disse derivatene f\u00f8res til vi<span class=\"_ _5\"></span>rkelig verdi. Det kan v\u00e6re betydelige endringer i<span class=\"ls0 ws0\"> </span>v<span class=\"_ _5\"></span>erdien p\u00e5 basisswappene f<span class=\"_ _5\"></span>ra dag til dag, p\u00e5 <span class=\"_ _1\"></span>grunn av endringer i<span class=\"_ _5\"></span> marginer. Denne risikoen<span class=\"ls0 ws0\"> </span>er usikret og medf\u00f8rer urealis<span class=\"_ _5\"></span>erte gevinster og tap. I 20<span class=\"ls0 ws0\">2</span>5 var det en \u00f8kning i verdien p\u00e5 458 millioner kroner (positiv resultat<span class=\"_ _5\"></span>effekt), sammenliknet med <span class=\"wscf\">en </span>reduksj<span class=\"_ _5\"></span>on i verdien p\u00e5 1<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">559 millioner kroner i </span>20<span class=\"ls0 ws0\">2</span>4.<span class=\"ff1a9 ls0 ws0\"> </span><div class=\"c w111 h153 gs121\"><div class=\"t m2 x248 h12c y2180 ff1ad fs59 fc21 sc0 lsb8 ws10a\">Bruk av fi<span class=\"_ _1\"></span>nansi<span class=\"_ _1\"></span>elle d<span class=\"_ _1\"></span>erivat<span class=\"_ _1\"></span>er i DNB<span class=\"_ _1\"></span> Livsfors<span class=\"_ _1\"></span>ikring<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2181 ff1ac fs55 fc21 sc0 lsaf wsf6\">Form\u00e5let med bruk av finansielle derivat<span class=\"_ _5\"></span>er i DNB Livsforsikring er \u00e5 kunne investere i og allokere midler i samsvar med selskapets forventninger </div><div class=\"t m2 x248 hcf y2182 ff1ac fs55 fc21 sc0 lsaf wsf6\">til markedsutvikl<span class=\"_ _5\"></span>ingen, gjennom en rask og kostnadseffektiv eiendels<span class=\"_ _5\"></span><span class=\"lscf ws126\">- </span>og markedseks<span class=\"_ _5\"></span>ponering. Videre gir bruk av<span class=\"ls0 ws0\"> </span>derivater mulighet til \u00e5 foreta </div><div class=\"t m2 x248 hcf y2183 ff1ac fs55 fc21 sc0 lsaf wsf6\">aktiv risikostyri<span class=\"_ _5\"></span>ng, herunder \u00e5 endre aksje<span class=\"ls0 ws0\">-</span>, rente<span class=\"wscf\">- </span>og valutarisiko. DNB Livsf<span class=\"_ _5\"></span>orsikring benytter ikke sik<span class=\"_ _5\"></span>ringsbokf\u00f8ring. Se n\u00e6rmere beskrivels<span class=\"_ _5\"></span>e i </div><div class=\"t m2 x248 hcf y2184 ff1ac fs55 fc21 sc0 lsaf wsf6\">note K14 Rentef\u00f8lsomhet og K15 Valutaposis<span class=\"_ _5\"></span>joner.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2185 ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12c y2622 ff1ad fs59 fc21 sc0 lsb7 ws100\">Sikr<span class=\"_ _5\"></span>ingsbokf\u00f8r<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2623 ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2624 ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2625 ff1ad fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2626 ff1ac fs55 fc21 sc0 lsaf wscf\">Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y218b ff1ac fs55 fc21 sc0 lsaf wsd2\">Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2627 ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2628 ff1ac fs55 fc21 sc0 lsbb ws106\">I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2629 ff1ac fs55 fc21 sc0 lsaf wsf6\">sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span></div><div class=\"t m2 x248 hcf y262a ff1ac fs55 fc21 sc0 lsaf wsf6\">brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y262b ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y262c ff1ae fs55 fc21 sc0 lsaf wsd2\">Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y262d ff1ac fs55 fc21 sc0 lsaf wsf6\">DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med </div><div class=\"t m2 x248 hcf y262e ff1ac fs55 fc21 sc0 lsaf wsf6\">fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne </div><div class=\"t m2 x248 hcf y262f ff1ac fs55 fc21 sc0 lsaf wsf6\">kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt </div><div class=\"t m2 x248 hcf y2630 ff1ac fs55 fc21 sc0 lsaf wsf6\">som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 </div><div class=\"t m2 x248 hcf y2631 ff1ac fs55 fc21 sc0 lsaf wsf6\">sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2632 ff1ac fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2633 ff1ac fs55 fc21 sc0 lsaf wsd2\">Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span></div><div class=\"t m2 x248 hcf y2634 ff1ac fs55 fc21 sc0 lsaf wsf6\">kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket </div><div class=\"t m2 x248 hcf y2635 ff1ac fs55 fc21 sc0 lsaf wsd2\">dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span></div><div class=\"t m2 x248 hcf y2636 ff1ac fs55 fc21 sc0 lsaf wsf6\">fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y2637 ff1ac fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2638 ff1ac fs55 fc21 sc0 lsaf wsd2\">DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span></div><div class=\"t m2 x248 hcf y2639 ff1ac fs55 fc21 sc0 lsaf wsf6\">kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av </div><div class=\"t m2 x248 hcf y263a ff1ac fs55 fc21 sc0 lsaf wsf6\">sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y263b ff1ac fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y263c ff1ac fs55 fc21 sc0 lsaf wsf6\">Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le </div><div class=\"t m2 x248 hcf y23b2 ff1ac fs55 fc21 sc0 lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span></div><div class=\"t m2 x248 hcf y263d ff1ac fs55 fc21 sc0 lsaf wsf6\">sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, </div><div class=\"t m2 x248 hcf y263e ff1ac fs55 fc21 sc0 lsaf wsf6\">sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y263f ff1ac fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2640 ff1ac fs55 fc21 sc0 lsaf wsf6\">For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede </div><div class=\"t m2 x248 hcf y2641 ff1ac fs55 fc21 sc0 lsaf wsf6\">risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto </div><div class=\"t m2 x248 hcf y2642 ff1ac fs55 fc21 sc0 lsaf wsf6\">gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge </div><div class=\"t m2 x248 hcf y2643 ff1ac fs55 fc21 sc0 lsaf wsf6\">av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2644 ff1ac fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2645 ff1ac fs55 fc21 sc0 lsaf wsf6\">Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet </div><div class=\"t m2 x248 hcf y2646 ff1ac fs55 fc21 sc0 lsaf wsf6\">sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y224e ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y224f ff1ac fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2647 ff1ac fs55 fc21 sc0 lsaf wsd2\">I virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av rent<span class=\"_ _5\"></span>erisiko konverteres renterisikoeks<span class=\"_ _5\"></span>poneringen p\u00e5 investeringer og gjeld fra fast til flytende rent<span class=\"_ _5\"></span>e. Kun renter<span class=\"lsbe ws10b\">isik<span class=\"_ _5\"></span>o </span></span></div><div class=\"t m2 x248 hcf y2648 ff1ac fs55 fc21 sc0 lsaf wsf6\">beregnet som virkel<span class=\"_ _5\"></span>ig verdi av endringer i interbank swap<span class=\"ls0 ws0\">-</span>renten er sikret. Renteswapavtaler bruk<span class=\"_ _5\"></span>es til \u00e5 sikre rentedelen, der endringen i </div><div class=\"t m2 x248 hcf y2649 ff1ac fs55 fc21 sc0 lsaf wsf6\">virkelig verdi er et res<span class=\"_ _5\"></span>ultat av endringene i swaprenten.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y264a ff1ac fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y264b ff1ac fs55 fc21 sc0 lsaf wsf6\">De sentrale vilk\u00e5rene for sik<span class=\"_ _5\"></span>ringsinstrumentene og sikringsobj<span class=\"_ _5\"></span>ektene er satt slik at de samsvarer ved inng\u00e5elsen av sikringen<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">og sik<span class=\"_ _5\"></span>ringsgraden </span></div><div class=\"t m2 x248 hcf y264c ff1ac fs55 fc21 sc0 lsaf wsf6\">er 1:1. Dermed var det ingen vesentlig sikrings<span class=\"_ _5\"></span>inneffektivitet for \u00e5ret.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y264d ff1ac fs55 fc21 sc0 ls0 ws0\"> </div></div><table class=\"s w329 h4de\" id=\"_82620e6a-0fc3-4ee2-a7c9-c7218f0c9e33\"><tr><td class=\"c x3fc y40d4 w163 hdb\"><div class=\"t m2 x19f hd1 y23e6 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d5 w165 hdb\"><div class=\"t m2 x248 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d5 w166 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d6 w165 hd7\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d6 w166 hd7\"><div class=\"t m2 x20c hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40d7 w164 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40d7 w165 hd7\"><div class=\"t m2 x1df hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40d7 w166 hd7\"><div class=\"t m2 x199 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40d7 w165 hd7\"><div class=\"t m2 x1e3 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d7 w166 hd7\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40d8 w164 h11f\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x208 hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x15d hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40da w164 h129\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40da w165 h129\"><div class=\"t m2 xa hcc y26c5 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40da w166 h129\"><div class=\"t m2 x188 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">204</span> <span class=\"lsab wscb\">587</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40da w165 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x47f y40da w166 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3fc y40db w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40db w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40db w166 hdb\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">299</span> <span class=\"lsab wscb\">462</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40db w165 hdb\"><div class=\"t m2 x27 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">146</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40db w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">617</span> </div></td></tr><tr><td class=\"c x3fc y40dc w164 hda\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dc w165 hda\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dc w166 hda\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dc w165 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40dc w166 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">123</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40dd w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dd w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dd w166 hdb\"><div class=\"t m2 x13b hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">228</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dd w165 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">38</span> </div></td><td class=\"c x47f y40dd w166 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td></tr><tr><td class=\"c x3fc y40de w164 hde\"><div class=\"t m2 x19f hdc y1dc1 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40df w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40df w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40df w166 hdb\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w329 h4df\" id=\"_d3533f1c-2e78-4a40-9246-7828b2294483\"><tr><td class=\"c x3fc y40e0 w163 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e1 w165 hde\"><div class=\"t m2 x248 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e1 w166 hde\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e2 w165 hd7\"><div class=\"t m2 x1b5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e2 w166 hd7\"><div class=\"t m2 x20c hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40e3 w164 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e3 w165 hd7\"><div class=\"t m2 x1df hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e3 w166 hd7\"><div class=\"t m2 x199 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40e3 w165 hd7\"><div class=\"t m2 x1e3 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e3 w166 hd7\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40e4 w164 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x208 hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x15d hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40e6 w164 h127\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40e6 w165 h127\"><div class=\"t m2 xa hcc y26d1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e6 w166 h127\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">177</span> <span class=\"lsab wscb\">807</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e6 w165 h127\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">602</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e6 w166 h127\"><div class=\"t m2 x20d hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">829</span> </div></td></tr><tr><td class=\"c x3fc y40e7 w164 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e7 w165 hdb\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e7 w166 hdb\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">312</span> <span class=\"lsab wscb\">496</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e7 w165 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">703</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e7 w166 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">815</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e8 w164 hde\"><div class=\"t m2 x163 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e8 w165 hde\"><div class=\"t m2 xf9 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e8 w166 hde\"><div class=\"t m2 x188 hcc y1da9 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">115</span> <span class=\"lsab wscb\">675</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e8 w165 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">170</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e8 w166 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">414</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e9 w164 hda\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e9 w165 hda\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e9 w166 hda\"><div class=\"t m2 x13b hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">069</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e9 w165 hda\"><div class=\"t m2 x20d hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x47f y40e9 w166 hda\"><div class=\"t m2 x127 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">(113)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40ea w164 hdb\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40eb w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40eb w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40eb w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">074</span> </div></td></tr></table>Det akkumulerte bel\u00f8<span class=\"_ _5\"></span>pet for justeringer av virkelig verdi<span class=\"ls0 ws0\">-</span>sikring i balanseopps<span class=\"_ _5\"></span>tillingen for sikringsobjekter s<span class=\"_ _5\"></span>om ikke lenger justeres for sikrings<span class=\"ls0 ws0\">- </span>gevinster og <span class=\"ls0 ws0\">-</span><span class=\"wscf\">tap var<span class=\"ls0 ws0\"> </span></span>12 mill<span class=\"_ _5\"></span>ioner kroner per 31. desember 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">5.<span class=\"ls0 ws0\"> </span></span><table class=\"s w32a h4e0\" id=\"_e9a9fc4a-d9e8-4a12-815a-82f7daf309db\"><tr><td class=\"c x3db y40ec w71 hde\"><div class=\"t m2 x19f hd1 y2100 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40ed w167 hdb\"><div class=\"t m2 x6d hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40ee w6f h13b\"><div class=\"t m2 x246 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ee w6f h13b\"><div class=\"t m2 x1b9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40ef w152 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40ef w6f hd7\"><div class=\"t m2 x1ba hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ef w6e hd7\"><div class=\"t m2 x1bc hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ef w6e hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ef w6f hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40ef w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f0 w152 hdd\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f1 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f1 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">642</span> </div></td><td class=\"c x438 y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x436 y40f1 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">453</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f1 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">145</span> <span class=\"lsab wscb\">884</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">632</span> </div></td></tr><tr><td class=\"c x3db y40f2 w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f2 w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">163</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">518</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">59</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f2 w6f hde\"><div class=\"t m2 x20f hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">289</span> <span class=\"lsab wscb\">195</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">88</span> <span class=\"lsab wscb\">699</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40f3 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40f3 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">738</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td></tr></table><table class=\"s w32a h4e1\" id=\"_8feb3678-9d67-4aaa-a1bd-071ea8d0b2be\"><tr><td class=\"c x3db y40f4 w71 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40f5 w167 hde\"><div class=\"t m2 x6d hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40f6 w6f h13b\"><div class=\"t m2 x246 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f6 w6f h13b\"><div class=\"t m2 x1b9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40f7 w152 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f7 w6f hd7\"><div class=\"t m2 x1ba hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f7 w6e hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f7 w6e hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f7 w6f hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40f7 w6e hd7\"><div class=\"t m2 x209 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f8 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f9 w152 hda\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f9 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">625</span> </div></td><td class=\"c x438 y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">277</span> </div></td><td class=\"c x436 y40f9 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f9 w6f hda\"><div class=\"t m2 x20f hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">163</span> <span class=\"lsab wscb\">560</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">737</span> </div></td></tr><tr><td class=\"c x3db y40fa w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40fa w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">295</span> </div></td><td class=\"c x438 y40fa w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">249</span> </div></td><td class=\"c x436 y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">69</span> <span class=\"lsab wscb\">612</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40fa w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">281</span> <span class=\"lsab wscb\">281</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">82</span> <span class=\"lsab wscb\">778</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40fb w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40fb w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">157</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fb w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">412<span class=\"_ _1c5\"> </span></span></div></td></tr></table>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span>DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span>mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span>\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span>Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span>endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span>knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span>samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span>Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span>som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span>Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen til result<span class=\"_ _5\"></span>atregnskapet. I nettoinv<span class=\"_ _5\"></span>esteringssikring av utenlandske datt<span class=\"_ _5\"></span>erselskaper brukes innskudd i valuta og innl\u00e5n i valuta som sikringsinst<span class=\"_ _5\"></span>rumente<span class=\"lsbd ws117\">r.<span class=\"_ _5\"></span> Diss<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span> ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>ru<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>mentene presenteres<span class=\"_ _5\"></span> som innskudd fra kunder og verdipapirgjeld i balansen. Instrum<span class=\"_ _5\"></span>enter i EUR, USD, G<span class=\"_ _1\"></span>BP og SEK bruk<span class=\"lsbf ws127\">es til \u00e5 si<span class=\"_ _1\"></span>kre in<span class=\"_ _1\"></span>ve<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>steringene i konsernets<span class=\"_ _5\"></span> datterselskaper med funksjonell valut<span class=\"_ _5\"></span>a EUR, USD, GBP, SEK og D<span class=\"_ _1\"></span>KK. <span class=\"ls0 ws0\"> </span>Total sikret eksponering i<span class=\"_ _5\"></span> nettoinvesteringssikringer ut<span class=\"_ _5\"></span>gjorde 75<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">242 milli<span class=\"_ _5\"></span>oner kroner per <span class=\"_ _5\"></span>31. desember 20<span class=\"ls0 ws0\">2</span></span>5. Det var i<span class=\"_ _5\"></span>ngen vesentlig sikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>inneffekt<span class=\"_ _5\"></span>ivitet for \u00e5ret, ettersom valutagevinst<span class=\"_ _5\"></span>er og <span class=\"ls0 ws0\">-</span>tap p\u00e5 sikringsobjektetene ble motvirket av valutagevinster og <span class=\"ls0 ws0\">-</span><span class=\"wsd2\">tap <span class=\"_ _5\"></span>p\u00e5 sikringsinstrum<span class=\"_ _5\"></span>entene. </span>Effektene av nettoinv<span class=\"_ _5\"></span>esteringssikringen vises i endri<span class=\"_ _5\"></span>ng i egenkapital. <span class=\"ls0 ws102\">  </span>Omklassifis<span class=\"_ _5\"></span>eringer fra nettoinvesteringss<span class=\"_ _5\"></span>ikringsreserv<span class=\"_ _5\"></span>e til resultatet, p\u00e5 grunn av for eksempel salg av datterselskaper, vises i total<span class=\"_ _5\"></span>resultatet og <span class=\"ls0 ws0\"> </span>i endring i egenkapital.<span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-456": {
   "value": "Note K16 Finansielle deriv<span class=\"_ _1\"></span>ater og sikringsbokf\u00f8ring<span class=\"_ _1c5\"> </span>Mesteparten av deriv<span class=\"_ _5\"></span>attransaksjonene i DNB relaterer seg til kundehandel, hvil<span class=\"_ _5\"></span>ket inneb\u00e6rer at DNB tilrettelegger for at kund<span class=\"wsd2\">er kan <span class=\"_ _5\"></span>overf\u00f8re, </span>modifisere,<span class=\"_ _5\"></span> ta eller redusere n\u00e5v\u00e6rende eller forventet risiko. Deriv<span class=\"_ _5\"></span>ater brukes ogs\u00e5 til \u00e5 sikre valuta<span class=\"ls0 ws0\">- </span>og renterisiko som oppst\u00e5r i forbindelse med finansiering og l\u00e5ngiv<span class=\"_ _5\"></span>ning. I tillegg bedriver DNB Carnegie egenhandel med derivater og opptrer ogs\u00e5 som \u201cmarket maker\u201c. En \u201cmark<span class=\"_ _5\"></span>et maker\u201c er forpliktet t<span class=\"_ _5\"></span>il \u00e5 stille b\u00e5de salgs<span class=\"ls0 ws0\">- </span>og kj\u00f8pspriser med en maksimal forskjell <span class=\"wsd2\">mellom salgs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span>og kj\u00f8pskursen samt mi<span class=\"_ _5\"></span>nimum volum. E<span class=\"_ _5\"></span>n </span>\u201cmarket maker\u201c handler allti<span class=\"_ _5\"></span>d for egen regning. <span class=\"ls0 ws0\"> </span>DNB benytter et spekter av finansielle deri<span class=\"_ _5\"></span>vater b\u00e5de til trading og sikring. OTC<span class=\"ls0 ws0\">-</span>derivat<span class=\"_ _5\"></span>er (\u201cOver the counter\u201c) er kontrakter som akt\u00f8rene inng\u00e5r seg imellom utenf<span class=\"_ _5\"></span>or b\u00f8rs, der vilk\u00e5rene forhandles direkte med motpartene. OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater handles som regel un<span class=\"wsd2\">der standardiserte IS<span class=\"_ _5\"></span>DA<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>hovedavt<span class=\"_ _5\"></span>aler (International Swaps and Derivatives Association) m<span class=\"_ _5\"></span>ellom DNB og motpartene. B\u00f8rsomsatte derivater er derivatkont<span class=\"_ _5\"></span><span class=\"wsd2\">rakter med </span>standardis<span class=\"_ _5\"></span>erte vilk\u00e5r for bel\u00f8p og oppgj\u00f8rsdatoer, som kj\u00f8pes og selges p\u00e5 regulerte b\u00f8rser. <span class=\"ls0 ws0\"> </span><table class=\"s w328 h4dd\" id=\"_97e831f5-2c11-425a-a5fe-8aa67dab92f1\"><tr><td></td><td></td><td class=\"c x478 y40b4 we2 hd7\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x479 y40b4 w162 hd7\"><div class=\"t m2 x248 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x478 y40b5 wdd h13b\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b5 wdd h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47b y40b5 wdc h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b5 w15a h13b\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 lsa7 wsc9\">Nominelle <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b5 wde h13b\"><div class=\"t m2 x1bb hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">Positiv  </div></td><td class=\"c x47d y40b5 w128 h13b\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Negativ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x478 y40b6 wdd hd7\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b6 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47b y40b6 wdc hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x479 y40b6 w15a hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdier<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b6 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x47d y40b6 w128 hd7\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td></tr><tr><td class=\"c x3db y40b7 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1ab fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40b7 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40b7 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40b7 w15a hd7\"><div class=\"t m2 x4f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40b7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40b7 w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40b8 we4 hd9\"><div class=\"t m2 x19f hdc y2369 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter tradin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40b9 we4 hda\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Renterel<span class=\"_ _5\"></span>aterte<span class=\"_ _5\"></span> kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40ba we4 hde\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsb3 ws121\">FRA<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ba wdd hde\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">543</span> <span class=\"lsab wscb\">89<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40ba wdd hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">957<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ba wdc hde\"><div class=\"t m2 x19e hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ba w15a hde\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">789</span> <span class=\"lsab wscb\">27<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40ba wde hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">658</span> </div></td><td class=\"c x47d y40ba w128 hde\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">713</span> </div></td></tr><tr><td class=\"c x3db y40bb we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bb wdd hdb\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">995</span> <span class=\"lsab wscb\">93<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47a y40bb wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>938<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bb wdc hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>859<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bb w15a hdb\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">95<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47c y40bb wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span>270<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bb w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">72<span class=\"ls0 ws0\"> </span>233<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40bc we4 hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bc wdd hdb\"><div class=\"t m2 x1bc hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">244<span class=\"ls0 ws0\"> </span>421<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bc wdd hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">710</span> </div></td><td class=\"c x47b y40bc wdc hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">554</span> </div></td><td class=\"c x479 y40bc w15a hdb\"><div class=\"t m2 x163 hcc y2369 ff1aa fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>642<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bc wde hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">219</span> </div></td><td class=\"c x47d y40bc w128 hdb\"><div class=\"t m2 x209 hcc y2369 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">155</span> </div></td></tr><tr><td class=\"c x3db y40bd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>terela<span class=\"_ _5\"></span>terte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bd wdd h11f\"><div class=\"t m2 x242 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">784</span> <span class=\"lsab wscb\">25<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x47a y40bd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>606<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40bd wdc h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">65<span class=\"ls0 ws0\"> </span>271<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40bd w15a h11f\"><div class=\"t m2 x28b hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">528</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x47c y40bd wde h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">79<span class=\"ls0 ws0\"> </span>147<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40bd w128 h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">76<span class=\"ls0 ws0\"> </span>102<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40be we4 hd9\"><div class=\"t m2 x163 hdc y1da9 ff1a9 fs53 fc21 sc0 lsab wscd\">Valutarel<span class=\"_ _5\"></span>ater<span class=\"_ _5\"></span>te kon<span class=\"_ _5\"></span>trakter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40bf we4 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40bf wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">103<span class=\"ls0 ws0\"> </span>558<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40bf wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">237</span> </div></td><td class=\"c x47b y40bf wdc hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">104</span> </div></td><td class=\"c x479 y40bf w15a hdb\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>748<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40bf wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x47d y40bf w128 hdb\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">837</span> </div></td></tr><tr><td class=\"c x3db y40c0 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Swapper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c0 wdd hdb\"><div class=\"t m2 x242 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">201</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c0 wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>615<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c0 wdc hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c0 w15a hdb\"><div class=\"t m2 x28b hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">488</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40c0 wde hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>950<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c0 w128 hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>120<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsaa wscd\">OTC<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">opsj<span class=\"_ _5\"></span>oner</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>402<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40c1 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">875<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c1 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">714<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c1 w15a hda\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>776<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40c1 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">652<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c1 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum valut<span class=\"_ _5\"></span>arelat<span class=\"_ _5\"></span>erte k<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c2 wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">341</span> <span class=\"lsab wscb\">71<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x47a y40c2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>417<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c2 w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">620</span> <span class=\"lsab wscb\">94<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x47c y40c2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>079<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>369<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c3 we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Egenk<span class=\"_ _5\"></span>apitalr<span class=\"_ _5\"></span>elatert<span class=\"_ _5\"></span>e kontr<span class=\"_ _5\"></span>akter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40c4 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Terminer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">413</span> </div></td><td class=\"c x47a y40c4 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">134</span> </div></td><td class=\"c x47b y40c4 wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x479 y40c4 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">250</span> </div></td><td class=\"c x47c y40c4 wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">247</span> </div></td><td class=\"c x47d y40c4 w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">205</span> </div></td></tr><tr><td class=\"c x3db y40c5 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c5 wdd hda\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">374</span> </div></td><td class=\"c x47a y40c5 wdd hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">554<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c5 wdc hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c5 w15a hda\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">148</span> </div></td><td class=\"c x47c y40c5 wde hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">654<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c5 w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">443<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c6 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum OT<span class=\"_ _5\"></span>C<span class=\"ls0 ws0\">-</span><span class=\"wscb\">deriv<span class=\"_ _5\"></span>ater</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x478 y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">787</span> </div></td><td class=\"c x47a y40c6 wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">688</span> </div></td><td class=\"c x47b y40c6 wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">585</span> </div></td><td class=\"c x479 y40c6 w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x47c y40c6 wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">901</span> </div></td><td class=\"c x47d y40c6 w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">648</span> </div></td></tr><tr><td class=\"c x3db y40c7 we4 hd9\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Futures<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c7 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">951</span> </div></td><td class=\"c x47a y40c7 wdd hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47b y40c7 wdc hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x479 y40c7 w15a hd9\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">329</span> </div></td><td class=\"c x47c y40c7 wde hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x47d y40c7 w128 hd9\"><div class=\"t m2 x246 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x3db y40c8 we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c8 wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">820</span> </div></td><td class=\"c x47a y40c8 wdd hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c8 wdc hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c8 w15a hdb\"><div class=\"t m2 x44 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">957</span> </div></td><td class=\"c x47c y40c8 wde hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c8 w128 hdb\"><div class=\"t m2 x2d7 hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40c9 we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum b\u00f8<span class=\"_ _5\"></span>rsomsa<span class=\"_ _5\"></span>tte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40c9 wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">771</span> </div></td><td class=\"c x47a y40c9 wdd h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40c9 wdc h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40c9 w15a h11f\"><div class=\"t m2 x44 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">285</span> </div></td><td class=\"c x47c y40c9 wde h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40c9 w128 h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40ca we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum ege<span class=\"_ _5\"></span>nkapit<span class=\"_ _5\"></span>alrelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ca wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40ca wdd hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x47b y40ca wdc hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x479 y40ca w15a hd9\"><div class=\"t m2 x44 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">683</span> </div></td><td class=\"c x47c y40ca wde hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">946</span> </div></td><td class=\"c x47d y40ca w128 hd9\"><div class=\"t m2 x209 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">694</span> </div></td></tr><tr><td class=\"c x3db y40cb we4 hd9\"><div class=\"t m2 x163 hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Varerela<span class=\"_ _5\"></span>tert<span class=\"_ _5\"></span>e kontra<span class=\"_ _5\"></span>kter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40cc we4 hdb\"><div class=\"t m2 x163 hcc y200f ff1aa fs53 fc21 sc0 lsab wscd\">Swapper <span class=\"_ _5\"></span>og op<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cc wdd hdb\"><div class=\"t m2 x19b hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cc wdd hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cc wdc hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cc w15a hdb\"><div class=\"t m2 x20a hcc y200f ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cc wde hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cc w128 hdb\"><div class=\"t m2 x209 hcc y200f ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40cd we4 h11f\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscd\">Sum var<span class=\"_ _5\"></span>erelat<span class=\"_ _5\"></span>erte ko<span class=\"_ _5\"></span>ntrakt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40cd wdd h11f\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40cd wdd h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">856</span> </div></td><td class=\"c x47b y40cd wdc h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">551</span> </div></td><td class=\"c x479 y40cd w15a h11f\"><div class=\"t m2 x20a hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">90<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40cd wde h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">357</span> </div></td><td class=\"c x47d y40cd w128 h11f\"><div class=\"t m2 x209 hcc y1db0 ff1aa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3db y40ce we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater t<span class=\"_ _5\"></span>rading<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40ce wdd hd9\"><div class=\"t m2 x242 hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">228</span> <span class=\"lsab wscb\">82<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x47a y40ce wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40ce wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40ce w15a hd9\"><div class=\"t m2 x28b hcc y1da9 ff1aa fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">250</span> <span class=\"lsab wscb\">21<span class=\"_ _5\"></span>6</span> </div></td><td class=\"c x47c y40ce wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>528<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40ce w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40cf we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wsd0\">Deriva<span class=\"_ _5\"></span>ter sikri<span class=\"_ _5\"></span>ngsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d0 we4 hdb\"><div class=\"t m2 x163 hdc y200f ff1a9 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikrin<span class=\"_ _5\"></span>g av r<span class=\"_ _5\"></span>enteris<span class=\"_ _5\"></span>iko<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40d1 we4 hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d1 wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d1 wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d1 wdc hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d1 w15a hda\"><div class=\"t m2 x163 hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d1 wde hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d1 w128 hda\"><div class=\"t m2 x19b hcc y1db0 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d2 we4 hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d2 wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">695<span class=\"ls0 ws0\"> </span>167<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y40d2 wdd hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d2 wdc hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d2 w15a hd9\"><div class=\"t m2 x163 hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">637<span class=\"ls0 ws0\"> </span>047<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y40d2 wde hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d2 w128 hd9\"><div class=\"t m2 x19b hcc y1da9 ff1aa fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40d3 we4 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deri<span class=\"_ _5\"></span>vater <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y40d3 wdd hd9\"><div class=\"t m2 x242 hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">923</span> <span class=\"lsab wscb\">98<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x47a y40d3 wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y40d3 wdc hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x479 y40d3 w15a hd9\"><div class=\"t m2 x28b hdc y1db0 ff1a9 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">887</span> <span class=\"lsab wscb\">26<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x47c y40d3 wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y40d3 w128 hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1a9 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Risi<span class=\"_ _1\"></span>ko knytt<span class=\"_ _1\"></span>et t<span class=\"_ _1\"></span>il finan<span class=\"_ _2\"></span>sielle de<span class=\"_ _1\"></span>rivater<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Derivater handles i portef<span class=\"_ _5\"></span>\u00f8ljer der balanseprodukter ogs\u00e5 handles. Markedsris<span class=\"_ _5\"></span>ikoen p\u00e5 derivatene blir h\u00e5ndtert, overv\u00e5ket og <span class=\"wsd2\">kont<span class=\"_ _5\"></span>rollert som en </span>integrert del av disse port<span class=\"_ _5\"></span>ef\u00f8ljenes markedsrisiko. Se note K13 Markedsrisiko. Derivater handles m<span class=\"_ _5\"></span>ed <span class=\"_ _1\"></span>mange ulike<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>motparter, og de fleste av disse gj\u00f8r ogs\u00e5 andre typer forretninger med DNB. Kredit<span class=\"_ _5\"></span>trisikoen som oppst\u00e5r i forbindelse med handel i derivater inng\u00e5r i d<span class=\"wsd2\">en t<span class=\"_ _5\"></span>otale kreditt<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>risikoen i DNB<span class=\"ls0 ws0\">-</span>konsernet. For mange mot<span class=\"_ _5\"></span>parter er det inng\u00e5tt nettingavtaler eller bilaterale avt<span class=\"_ _5\"></span>aler om sikkerhetsstillelse, og p\u00e5 den m\u00e5ten redu<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>seres kredittrisi<span class=\"_ _5\"></span>koen. Myndighetenes kapit<span class=\"_ _5\"></span>alkrav tar hensyn til slike avtaler ved at kapitalkravet reduseres<span class=\"_ _5\"></span>. De fleste OTC<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">derivater med </span>finansi<span class=\"_ _5\"></span>elle motparter motregnes hos en sentral clearingsentral. Se note K5 Styring av kredittrisiko for omtal<span class=\"_ _5\"></span>e av motp<span class=\"lsbe ws10b\">arts<span class=\"_ _5\"></span>risik<span class=\"_ _5\"></span>o.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>DNB benytter basisswapper og rente<span class=\"ls0 ws0\">- </span>og valut<span class=\"_ _5\"></span>aswapper til \u00e5 konvertere innl\u00e5n i valuta til \u00f8nsket valuta. Et typisk eksempel er at banken tar <span class=\"ls0 ws0\"> </span>opp et l\u00e5n i euro som byttes til dollar gjennom en basisswap. I dette tilfellet vil banken betale en dollarrente bas<span class=\"_ _5\"></span>ert p\u00e5 en<span class=\"ls0 ws0\"> </span>swapkurve og motta <span class=\"ls0 ws0\"> </span>en eurorente som er redusert eller \u00f8kt med en margin. Disse derivatene f\u00f8res til vi<span class=\"_ _5\"></span>rkelig verdi. Det kan v\u00e6re betydelige endringer i<span class=\"ls0 ws0\"> </span>v<span class=\"_ _5\"></span>erdien p\u00e5 basisswappene f<span class=\"_ _5\"></span>ra dag til dag, p\u00e5 <span class=\"_ _1\"></span>grunn av endringer i<span class=\"_ _5\"></span> marginer. Denne risikoen<span class=\"ls0 ws0\"> </span>er usikret og medf\u00f8rer urealis<span class=\"_ _5\"></span>erte gevinster og tap. I 20<span class=\"ls0 ws0\">2</span>5 var det en \u00f8kning i verdien p\u00e5 458 millioner kroner (positiv resultat<span class=\"_ _5\"></span>effekt), sammenliknet med <span class=\"wscf\">en </span>reduksj<span class=\"_ _5\"></span>on i verdien p\u00e5 1<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">559 millioner kroner i </span>20<span class=\"ls0 ws0\">2</span>4.<span class=\"ff1a9 ls0 ws0\"> </span>Bruk av fi<span class=\"_ _1\"></span>nansi<span class=\"_ _1\"></span>elle d<span class=\"_ _1\"></span>erivat<span class=\"_ _1\"></span>er i DNB<span class=\"_ _1\"></span> Livsfors<span class=\"_ _1\"></span>ikring<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Form\u00e5let med bruk av finansielle derivat<span class=\"_ _5\"></span>er i DNB Livsforsikring er \u00e5 kunne investere i og allokere midler i samsvar med selskapets forventninger til markedsutvikl<span class=\"_ _5\"></span>ingen, gjennom en rask og kostnadseffektiv eiendels<span class=\"_ _5\"></span><span class=\"lscf ws126\">- </span>og markedseks<span class=\"_ _5\"></span>ponering. Videre gir bruk av<span class=\"ls0 ws0\"> </span>derivater mulighet til \u00e5 foreta aktiv risikostyri<span class=\"_ _5\"></span>ng, herunder \u00e5 endre aksje<span class=\"ls0 ws0\">-</span>, rente<span class=\"wscf\">- </span>og valutarisiko. DNB Livsf<span class=\"_ _5\"></span>orsikring benytter ikke sik<span class=\"_ _5\"></span>ringsbokf\u00f8ring. Se n\u00e6rmere beskrivels<span class=\"_ _5\"></span>e i note K14 Rentef\u00f8lsomhet og K15 Valutaposis<span class=\"_ _5\"></span>joner.<span class=\"ls0 ws0\"> </span>Sikr<span class=\"_ _5\"></span>ingsbokf\u00f8r<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span>I virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av rent<span class=\"_ _5\"></span>erisiko konverteres renterisikoeks<span class=\"_ _5\"></span>poneringen p\u00e5 investeringer og gjeld fra fast til flytende rent<span class=\"_ _5\"></span>e. Kun renter<span class=\"lsbe ws10b\">isik<span class=\"_ _5\"></span>o </span></span>beregnet som virkel<span class=\"_ _5\"></span>ig verdi av endringer i interbank swap<span class=\"ls0 ws0\">-</span>renten er sikret. Renteswapavtaler bruk<span class=\"_ _5\"></span>es til \u00e5 sikre rentedelen, der endringen i virkelig verdi er et res<span class=\"_ _5\"></span>ultat av endringene i swaprenten.<span class=\"ls0 ws0\"> </span>De sentrale vilk\u00e5rene for sik<span class=\"_ _5\"></span>ringsinstrumentene og sikringsobj<span class=\"_ _5\"></span>ektene er satt slik at de samsvarer ved inng\u00e5elsen av sikringen<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">og sik<span class=\"_ _5\"></span>ringsgraden </span>er 1:1. Dermed var det ingen vesentlig sikrings<span class=\"_ _5\"></span>inneffektivitet for \u00e5ret.<table class=\"s w329 h4de\" id=\"_82620e6a-0fc3-4ee2-a7c9-c7218f0c9e33\"><tr><td class=\"c x3fc y40d4 w163 hdb\"><div class=\"t m2 x19f hd1 y23e6 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d5 w165 hdb\"><div class=\"t m2 x248 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d5 w166 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40d6 w165 hd7\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d6 w166 hd7\"><div class=\"t m2 x20c hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40d7 w164 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40d7 w165 hd7\"><div class=\"t m2 x1df hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40d7 w166 hd7\"><div class=\"t m2 x199 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40d7 w165 hd7\"><div class=\"t m2 x1e3 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40d7 w166 hd7\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40d8 w164 h11f\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x208 hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40d9 w73 h13a\"><div class=\"t m2 x15d hcc y26c3 ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40da w164 h129\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40da w165 h129\"><div class=\"t m2 xa hcc y26c5 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40da w166 h129\"><div class=\"t m2 x188 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">204</span> <span class=\"lsab wscb\">587</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40da w165 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x47f y40da w166 h129\"><div class=\"t m2 x72 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">775</span> </div></td></tr><tr><td class=\"c x3fc y40db w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40db w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40db w166 hdb\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">299</span> <span class=\"lsab wscb\">462</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40db w165 hdb\"><div class=\"t m2 x27 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">146</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40db w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">617</span> </div></td></tr><tr><td class=\"c x3fc y40dc w164 hda\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dc w165 hda\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dc w166 hda\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dc w165 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40dc w166 hda\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">123</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40dd w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40dd w165 hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40dd w166 hdb\"><div class=\"t m2 x13b hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">26</span> <span class=\"lsab wscb\">228</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40dd w165 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">38</span> </div></td><td class=\"c x47f y40dd w166 hdb\"><div class=\"t m2 x55 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td></tr><tr><td class=\"c x3fc y40de w164 hde\"><div class=\"t m2 x19f hdc y1dc1 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40df w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40df w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40df w166 hdb\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w329 h4df\" id=\"_d3533f1c-2e78-4a40-9246-7828b2294483\"><tr><td class=\"c x3fc y40e0 w163 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Virkelig verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>sikring av renterisiko per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e1 w165 hde\"><div class=\"t m2 x248 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsa7 wsfc\">Kumulativ virkelig<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e1 w166 hde\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdien<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"c x47e y40e2 w165 hd7\"><div class=\"t m2 x1b5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">verdijus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng av<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e2 w166 hd7\"><div class=\"t m2 x20c hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">brukt til <span class=\"_ _5\"></span>\u00e5 ber<span class=\"_ _5\"></span>egne<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40e3 w164 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e3 w165 hd7\"><div class=\"t m2 x1df hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>epost<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e3 w166 hd7\"><div class=\"t m2 x199 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Bokf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47e y40e3 w165 hd7\"><div class=\"t m2 x1e3 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">sikrings<span class=\"_ _5\"></span>objekt<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y40e3 w166 hd7\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\">sikringsineffektivit<span class=\"_ _5\"></span>et </div></td></tr><tr><td class=\"c x3fc y40e4 w164 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wsd0\">Sikret ek<span class=\"_ _5\"></span>sponeri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x208 hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ring i <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x482 y40e5 w73 h13a\"><div class=\"t m2 x15d hcc y26cf ff1b5 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40e6 w164 h127\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x480 y40e6 w165 h127\"><div class=\"t m2 xa hcc y26d1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xf9 hcc y1db0 ff1b5 fs53 fc21 sc0 lsa7 wsd1\">til virkelig verdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e6 w166 h127\"><div class=\"t m2 x188 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">177</span> <span class=\"lsab wscb\">807</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e6 w165 h127\"><div class=\"t m2 xb6 hcc y1db0 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">602</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e6 w166 h127\"><div class=\"t m2 x20d hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">829</span> </div></td></tr><tr><td class=\"c x3fc y40e7 w164 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Utstedte obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e7 w165 hdb\"><div class=\"t m2 xf9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e7 w166 hdb\"><div class=\"t m2 x188 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">312</span> <span class=\"lsab wscb\">496</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e7 w165 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">703</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e7 w166 hdb\"><div class=\"t m2 xb6 hcc y1dae ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">815</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e8 w164 hde\"><div class=\"t m2 x163 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e8 w165 hde\"><div class=\"t m2 xf9 hcc y1da9 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e8 w166 hde\"><div class=\"t m2 x188 hcc y1da9 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">115</span> <span class=\"lsab wscb\">675</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e8 w165 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">170</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x47f y40e8 w166 hde\"><div class=\"t m2 xb6 hcc y1da9 ff1b5 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">414</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y40e9 w164 hda\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40e9 w165 hda\"><div class=\"t m2 xf9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x481 y40e9 w166 hda\"><div class=\"t m2 x13b hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">069</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47e y40e9 w165 hda\"><div class=\"t m2 x20d hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x47f y40e9 w166 hda\"><div class=\"t m2 x127 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">(113)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y40ea w164 hdb\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsb3 ws121\">Sikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nstrum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y40eb w164 hdb\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscb\">Renteswa<span class=\"_ _5\"></span>pper<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x480 y40eb w165 hdb\"><div class=\"t m2 x247 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x47f y40eb w166 hdb\"><div class=\"t m2 x72 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">074</span> </div></td></tr></table>Det akkumulerte bel\u00f8<span class=\"_ _5\"></span>pet for justeringer av virkelig verdi<span class=\"ls0 ws0\">-</span>sikring i balanseopps<span class=\"_ _5\"></span>tillingen for sikringsobjekter s<span class=\"_ _5\"></span>om ikke lenger justeres for sikrings<span class=\"ls0 ws0\">- </span>gevinster og <span class=\"ls0 ws0\">-</span><span class=\"wscf\">tap var<span class=\"ls0 ws0\"> </span></span>12 mill<span class=\"_ _5\"></span>ioner kroner per 31. desember 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">5.<span class=\"ls0 ws0\"> </span></span><table class=\"s w32a h4e0\" id=\"_e9a9fc4a-d9e8-4a12-815a-82f7daf309db\"><tr><td class=\"c x3db y40ec w71 hde\"><div class=\"t m2 x19f hd1 y2100 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40ed w167 hdb\"><div class=\"t m2 x6d hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40ee w6f h13b\"><div class=\"t m2 x246 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ee w6e h13b\"><div class=\"t m2 x329 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ee w6f h13b\"><div class=\"t m2 x1b9 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40ef w152 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40ef w6f hd7\"><div class=\"t m2 x1ba hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40ef w6e hd7\"><div class=\"t m2 x1bc hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40ef w6e hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40ef w6f hd7\"><div class=\"t m2 x1a5 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40ef w6e hd7\"><div class=\"t m2 x209 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f0 w152 hdd\"><div class=\"t m2 x19f hdc y1db0 ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f1 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f1 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">642</span> </div></td><td class=\"c x438 y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x436 y40f1 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">453</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f1 w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">145</span> <span class=\"lsab wscb\">884</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f1 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">632</span> </div></td></tr><tr><td class=\"c x3db y40f2 w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f2 w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">163</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">518</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">59</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f2 w6f hde\"><div class=\"t m2 x20f hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">289</span> <span class=\"lsab wscb\">195</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f2 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">88</span> <span class=\"lsab wscb\">699</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40f3 w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40f3 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">24</span> <span class=\"lsab wscb\">738</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td></tr></table><table class=\"s w32a h4e1\" id=\"_8feb3678-9d67-4aaa-a1bd-071ea8d0b2be\"><tr><td class=\"c x3db y40f4 w71 hdb\"><div class=\"t m2 x19f hd1 y2379 ff1b4 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid for ren<span class=\"_ _5\"></span>teswapper brukt som sikringsinstrumenter per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x437 y40f5 w167 hde\"><div class=\"t m2 x6d hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">L\u00f8peti<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y40f6 w6f h13b\"><div class=\"t m2 x246 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f6 w6e h13b\"><div class=\"t m2 x329 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d. <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f6 w6f h13b\"><div class=\"t m2 x1b9 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y40f7 w152 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff1b6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f7 w6f hd7\"><div class=\"t m2 x1ba hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">1 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y40f7 w6e hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd. <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y40f7 w6e hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y40f7 w6f hd7\"><div class=\"t m2 x1a5 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y40f7 w6e hd7\"><div class=\"t m2 x209 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y40f8 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff1b4 fs53 fc21 sc0 lsab wscd\">Virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wsd0\">sikrin<span class=\"_ _5\"></span>g av renteris<span class=\"_ _5\"></span>iko, nomi<span class=\"_ _5\"></span>nelle ver<span class=\"_ _5\"></span>dier</span><span class=\"wsd0\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y40f9 w152 hda\"><div class=\"t m2 x163 hcc y1db0 ff1b5 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> obli<span class=\"_ _5\"></span>gasjon<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40f9 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">625</span> </div></td><td class=\"c x438 y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">277</span> </div></td><td class=\"c x436 y40f9 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">063</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40f9 w6f hda\"><div class=\"t m2 x20f hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">163</span> <span class=\"lsab wscb\">560</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40f9 w6e hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">737</span> </div></td></tr><tr><td class=\"c x3db y40fa w152 hdb\"><div class=\"t m2 x163 hcc y1dae ff1b5 fs53 fc21 sc0 lsab wsd0\">Sikring<span class=\"_ _5\"></span> av utstedte obl<span class=\"_ _5\"></span>igasjo<span class=\"_ _5\"></span>ner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y40fa w6f hdb\"><div class=\"t m2 x1b5 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">295</span> </div></td><td class=\"c x438 y40fa w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">249</span> </div></td><td class=\"c x436 y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">69</span> <span class=\"lsab wscb\">612</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y40fa w6f hdb\"><div class=\"t m2 x20f hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">281</span> <span class=\"lsab wscb\">281</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fa w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">82</span> <span class=\"lsab wscb\">778</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y40fb w152 hde\"><div class=\"t m2 x163 hcc y1dc1 ff1b5 fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av ans<span class=\"_ _5\"></span>varlig l<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x3dd y40fb w6f hde\"><div class=\"t m2 x19e hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">157</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3de y40fb w6e hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff1b5 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">412<span class=\"_ _1c5\"> </span></span></div></td></tr></table>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span>DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span>mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span>\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span>Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span>endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span>knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span>samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span>Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span>som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span>Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen til result<span class=\"_ _5\"></span>atregnskapet. I nettoinv<span class=\"_ _5\"></span>esteringssikring av utenlandske datt<span class=\"_ _5\"></span>erselskaper brukes innskudd i valuta og innl\u00e5n i valuta som sikringsinst<span class=\"_ _5\"></span>rumente<span class=\"lsbd ws117\">r.<span class=\"_ _5\"></span> Diss<span class=\"_ _5\"></span>e<span class=\"_ _5\"></span> ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>ru<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>mentene presenteres<span class=\"_ _5\"></span> som innskudd fra kunder og verdipapirgjeld i balansen. Instrum<span class=\"_ _5\"></span>enter i EUR, USD, G<span class=\"_ _1\"></span>BP og SEK bruk<span class=\"lsbf ws127\">es til \u00e5 si<span class=\"_ _1\"></span>kre in<span class=\"_ _1\"></span>ve<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>steringene i konsernets<span class=\"_ _5\"></span> datterselskaper med funksjonell valut<span class=\"_ _5\"></span>a EUR, USD, GBP, SEK og D<span class=\"_ _1\"></span>KK. <span class=\"ls0 ws0\"> </span>Total sikret eksponering i<span class=\"_ _5\"></span> nettoinvesteringssikringer ut<span class=\"_ _5\"></span>gjorde 75<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">242 milli<span class=\"_ _5\"></span>oner kroner per <span class=\"_ _5\"></span>31. desember 20<span class=\"ls0 ws0\">2</span></span>5. Det var i<span class=\"_ _5\"></span>ngen vesentlig sikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>inneffekt<span class=\"_ _5\"></span>ivitet for \u00e5ret, ettersom valutagevinst<span class=\"_ _5\"></span>er og <span class=\"ls0 ws0\">-</span>tap p\u00e5 sikringsobjektetene ble motvirket av valutagevinster og <span class=\"ls0 ws0\">-</span><span class=\"wsd2\">tap <span class=\"_ _5\"></span>p\u00e5 sikringsinstrum<span class=\"_ _5\"></span>entene. </span>Effektene av nettoinv<span class=\"_ _5\"></span>esteringssikringen vises i endri<span class=\"_ _5\"></span>ng i egenkapital. <span class=\"ls0 ws102\">  </span>Omklassifis<span class=\"_ _5\"></span>eringer fra nettoinvesteringss<span class=\"_ _5\"></span>ikringsreserv<span class=\"_ _5\"></span>e til resultatet, p\u00e5 grunn av for eksempel salg av datterselskaper, vises i total<span class=\"_ _5\"></span>resultatet og <span class=\"ls0 ws0\"> </span>i endring i egenkapital.<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innregning og fraregning<span class=\"ls0 ws0\"> </span>F\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter innregnes n\u00e5r konsernet blir part i instrumentets<span class=\"_ _5\"></span> kontraktsbestemmelser.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>Finansielle eiendeler, med unntak av utl\u00e5n og forskudd til kunder, bl<span class=\"_ _5\"></span>ir i utgangspunktet innregnet p\u00e5 oppgj\u00f8rstids<span class=\"_ _5\"></span>punktet. Dette gjelder ogs\u00e5 ved alminnelig kj\u00f8<span class=\"_ _5\"></span>p eller salg av finansielle eiendeler (regular<span class=\"ls0 ws0\">-</span>way t<span class=\"_ _5\"></span>rades). Utl\u00e5n og forskudd til kunder innregnes n\u00e5r midler overf\u00f8<span class=\"_ _5\"></span>res til kundenes kontoer. Konsernet innregner innskudd fra kunder, gjeld til kreditt<span class=\"_ _5\"></span>institusjoner og verdipapirgjel<span class=\"_ _5\"></span>d n\u00e5r midler overf\u00f8res <span class=\"wsd2\">til kons<span class=\"_ _5\"></span>ernet.<span class=\"ls0 ws112\">  </span></span>Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span>En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span>beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span>Klassifis<span class=\"_ _5\"></span>ering og presentasjon<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kl<span class=\"_ _5\"></span>assifiseres i <span class=\"_ _5\"></span>en av f\u00f8l<span class=\"_ _5\"></span>gende m\u00e5lekategorier:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">amortis<span class=\"_ _5\"></span>ert kost</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over totalresultatet</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over resultatet</span> </span>Klassifis<span class=\"_ _5\"></span>eringen av finansielle eiendeler er avhengig av to faktorer:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virksom<span class=\"_ _5\"></span>hetsmodellen for portef\u00f8ljen som den finansielle ei<span class=\"_ _5\"></span>endelen h\u00f8rer til</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kjennetegnene til<span class=\"_ _5\"></span> den finansielle eiendelens kontrakts<span class=\"_ _5\"></span>regulerte kontantstr\u00f8mmer</span> </span>N\u00e5r virksomhetsmodel<span class=\"_ _5\"></span>len utarbeides, vurderer konsernet<span class=\"_ _5\"></span> for hver portef\u00f8lje hvordan virksomheten styres, salgsaktiv<span class=\"_ _5\"></span>iteter, risiko<span class=\"wsd2\">styri<span class=\"_ _5\"></span>ng samt </span>hvordan i<span class=\"_ _5\"></span>nformasjon formi<span class=\"_ _5\"></span>dles til ledels<span class=\"_ _5\"></span>en. Virksom<span class=\"wsf6\">hetsm<span class=\"_ _5\"></span>odellen er blitt vurdert for hvert forretningsomr\u00e5de. P<span class=\"_ _5\"></span>o<span class=\"lsc1 wsce\">rte</span></span>f\u00f8ljene s<span class=\"_ _5\"></span>om tilh\u00f8rer kundeomr\u00e5dene har en virksom<span class=\"_ _5\"></span>hetsmodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontraktsregulerte kontantst<span class=\"_ _5\"></span>r\u00f8mmene, mens det er flere ulike virks<span class=\"_ _5\"></span>omhetsmodeller for portef\u00f8ljene som h\u00f8rer ti<span class=\"_ _5\"></span>l produktomr\u00e5det DNB Carnegie og konsernomr\u00e5de<span class=\"lsd4 ws107\">t K</span><span class=\"wscf\">on<span class=\"_ _1\"></span>serntreas<span class=\"_ _5\"></span>ury.<span class=\"ls0 ws0\"> </span></span>Ved f\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning av finansielle eiendeler bli<span class=\"_ _5\"></span>r det utf\u00f8rt en test av kjennetegnene til de kontraktsregulerte kontant<span class=\"lsc5 ws130\">st<span class=\"_ _5\"></span>r\u00f8m</span><span class=\"wscf\">mene. </span>Finansiel<span class=\"_ _5\"></span>le eiendeler med kontantstr\u00f8mmer som bare er betaling av hovedstol og rente, best\u00e5r testen hvis de kontrak<span class=\"_ _5\"></span><span class=\"lsbc ws103\">tu</span>elle kontantstr\u00f8mmene er forenlige med en grunnleggende l\u00e5neav<span class=\"_ _5\"></span>tale. I en grunnleggende l\u00e5neavtale er vederlag for tidsv<span class=\"_ _5\"></span>erdien av penger og kredittrisikoen vanligv<span class=\"_ _5\"></span>is de viktigste delene av rent<span class=\"_ _5\"></span>en. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktels<span class=\"_ _5\"></span>er klassifiseres t<span class=\"_ _5\"></span>il amortisert<span class=\"_ _5\"></span> kost med <span class=\"_ _5\"></span>unntak av finans<span class=\"_ _5\"></span>ielle forpliktelser <span class=\"_ _5\"></span>som m\u00e5 m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">verdi over resultatet ell<span class=\"_ _5\"></span>er </span>er bestemt regnskapsf\u00f8rt<span class=\"_ _5\"></span> til virkelig verdi over resultatet.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kan ugjenkallelig bli bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangs<span class=\"_ _5\"></span>innregning hvis f\u00f8lgende kriteri<span class=\"_ _5\"></span>um er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Klassifi<span class=\"_ _5\"></span>seringen eliminerer eller i vesentl<span class=\"_ _5\"></span>ig grad reduserer en uoverensstemmelse i m\u00e5ling eller innregning som ellers vil<span class=\"_ _5\"></span>le ha oppst\u00e5tt ved </span></span>m\u00e5ling av eiendeler eller v<span class=\"_ _5\"></span>ed regnskapsf\u00f8ring av tilh\u00f8rende gevinster eller tap p\u00e5 ulikt grunnlag.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span>Note K27 Klassifik<span class=\"_ _1\"></span>asjon av finansielle ins<span class=\"_ _1\"></span>trumenter<span class=\"_ _1c5\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser kan ogs\u00e5 ugjenkallel<span class=\"_ _5\"></span>ig bli bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> over res<span class=\"_ _5\"></span>ultatet ved f\u00f8rst<span class=\"_ _5\"></span>egangs</span>inn<span class=\"wsd2\">regning <span class=\"_ _5\"></span>hvis kriteriet </span></span>ovenfor ell<span class=\"_ _5\"></span>er en av f\u00f8lgende er op<span class=\"_ _1\"></span>pfy<span class=\"_ _5\"></span>lt: <span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De finansiell<span class=\"_ _5\"></span>e instrumentene er en del av en portef\u00f8lje som styres og vurderes p\u00e5 bakgrunn av virkelig verdi i samsvar med en</span> <span class=\"lsaf wscf\">dokumentert </span></span>risikoh\u00e5ndteri<span class=\"_ _5\"></span>ngs<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller investerings<span class=\"_ _5\"></span></span>strategi.<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Vertskont<span class=\"_ _5\"></span>rakten inneholder et eller flere innebygde derivater.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler, som ikke er bestemt regnskapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi over resultatet, er balansef\u00f8rt til amortisert<span class=\"_ _5\"></span> kost hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontrakts<span class=\"wsd2\">regulert<span class=\"_ _5\"></span>e kontant<span class=\"wscf\">str\u00f8m<span class=\"_ _5\"></span>mene.</span></span></span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rstegangsinnregning til virkelig v<span class=\"_ _5\"></span>erdi pluss direkte henf\u00f8r<span class=\"wscf\">bare </span>transaksj<span class=\"_ _5\"></span>onskostnader. Deretter m\u00e5les eiendelene til amort<span class=\"_ _5\"></span>isert kost ved bruk av effektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">metode, redus<span class=\"_ _5\"></span>ert med<span class=\"ls0 ws0\"> </span></span>eventuel<span class=\"_ _5\"></span>le nedskrivninger. Nedskrivninger og til<span class=\"_ _5\"></span>bakef\u00f8ringer av nedskrivninger bli<span class=\"_ _5\"></span>r m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>En endring i avsetning til forvent<span class=\"_ _5\"></span>ede kredittap for gjeldsinstrument<span class=\"_ _5\"></span>er balansef\u00f8rt til amortisert kost p\u00e5 balansedagen blir presentert<span class=\"_ _5\"></span> under \u00abNedskrivninger p\u00e5 finans<span class=\"_ _5\"></span>ielle instrumenter\u00bb i result<span class=\"_ _5\"></span>atregnskapet.<span class=\"ls0 ws0\"> </span>Renteinntekter f<span class=\"_ _5\"></span>ra finansielle instrumenter klassifisert<span class=\"_ _5\"></span> i denne kategorien presenteres under \u00abRenteinntekt, eff<span class=\"_ _5\"></span>ektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wscf\">metode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien best\u00e5r i hov<span class=\"_ _5\"></span>edsak av utl\u00e5n til kunder, kontanter og innskudd, fordringer, gjensalgs<span class=\"_ _5\"></span>avtaler og obligasjons<span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost er ved f\u00f8rstegangsinnregning regns<span class=\"_ _5\"></span>kapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi minus eventuelle direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Tilh\u00f8rende rent<span class=\"_ _5\"></span>e<span class=\"lsbd ws104\">kos<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span></span>nader presenteres som \u00abRentekostnad, effektiv<span class=\"_ _5\"></span> rente<span class=\"ls0 ws0\">-<span class=\"lsc3 ws114\">me</span></span><span class=\"wscf\">tode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien omfatter i<span class=\"_ _5\"></span>nnskudd fra kunder og kredittinstit<span class=\"_ _5\"></span>usjoner, gjenkj\u00f8psavtaler, utstedt<span class=\"_ _5\"></span>e sertifikater og obligasj<span class=\"_ _5\"></span>oner, ansvarlig l\u00e5nekapit<span class=\"_ _5\"></span>al og fondsobligasjonsl\u00e5n.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>nger i finansielle eiendeler, som ikke er bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt ti<span class=\"_ _5\"></span>l virkelig v<span class=\"_ _5\"></span>erdi over <span class=\"_ _5\"></span>resultatet, m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig verdi over <span class=\"_ _5\"></span>totalresultat<span class=\"_ _5\"></span>et </span></span>hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let b\u00e5de er \u00e5 holde eiendelene for \u00e5 motta de kon<span class=\"lsc4 ws115\">trakts<span class=\"_ _5\"></span></span><span class=\"wsd2\">regulerte kont<span class=\"_ _5\"></span>antstr\u00f8mmene </span></span></span>samt \u00e5 selge eien<span class=\"wscf\">delen.<span class=\"ls0 ws0\"> </span></span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet regnskapsf\u00f8<span class=\"_ _5\"></span>res ved f\u00f8rstegangsinnregning til virkeli<span class=\"_ _5\"></span>g verdi pluss direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Ett<span class=\"_ _5\"></span>erf\u00f8lgende verdim\u00e5ling er til virkelig verdi over t<span class=\"_ _5\"></span>otalresultatet. Endringer<span class=\"ls0 ws0\"> </span>i v<span class=\"_ _5\"></span>irkelig verdi regnskapsf\u00f8res i totalres<span class=\"_ _5\"></span>ultatet og akkumuleres i en separat komponent i egenkapitalen. Nedskrivninger og tilbak<span class=\"_ _5\"></span>ef\u00f8ringer av nedskrivninger, rentei<span class=\"_ _5\"></span>nntekter samt gevinster ell<span class=\"_ _5\"></span>er tap som f\u00f8lge av <span class=\"_ _1\"></span>valutaom<span class=\"_ _5\"></span>regning regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atet.<span class=\"ls0 ws0\"> </span>Ved fraregning av den finansielle ei<span class=\"_ _5\"></span>endelen resirkuleres gevinsten eller tapet, som er akkumulert i totalresult<span class=\"_ _5\"></span>atet, i resultatet og presenteres p\u00e5 linjen \u00abNetto gevinster p\u00e5 finans<span class=\"_ _5\"></span>ielle instr<span class=\"wsd2\">umenter <span class=\"_ _5\"></span>til virkeli<span class=\"_ _5\"></span>g verdi\u00bb. </span>Ned<span class=\"lsaf wsd2\">skrivni<span class=\"_ _5\"></span>nger og til<span class=\"_ _5\"></span>bakef\u00f8ringer<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">av nedskrivni<span class=\"_ _5\"></span>nger blir m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </span></span>modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>Denne kategorien omfatter en portef<span class=\"_ _5\"></span>\u00f8lje med obligasjons<span class=\"wscf\">inv<span class=\"_ _5\"></span>esteringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le instrumenter balansef\u00f8rt til virk<span class=\"_ _5\"></span>elig verdi over resultatet<span class=\"ls0 ws0\"> </span>F\u00f8lgende instrum<span class=\"_ _5\"></span>enter h\u00f8rer til denne kategorien:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">derivater</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">egenkapital<span class=\"_ _5\"></span>instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle trading instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle instrumenter s<span class=\"_ _5\"></span>om styres ti<span class=\"_ _5\"></span>l virkeli<span class=\"_ _5\"></span>g verdi</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle eiendeler med k<span class=\"_ _5\"></span>ontraktsregulert<span class=\"_ _5\"></span>e kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer som ikke kun representerer hovedstol og rente</span></span> </span>Instrument<span class=\"_ _5\"></span>er i denne kat<span class=\"_ _5\"></span>egorien regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rst<span class=\"_ _5\"></span>e<span class=\"wscf\">gangs<span class=\"wsf6\">innregning til vi<span class=\"_ _5\"></span>rkelig verdi. Tilh\u00f8rende transaksjonsk<span class=\"_ _5\"></span>ostnader inn</span></span>regnes i resultat<span class=\"_ _5\"></span>regnskapet n\u00e5r de oppst\u00e5r. Etterf\u00f8lgende m\u00e5l<span class=\"_ _5\"></span>ing er virkelig verdi med gevinster og tap regnskaps<span class=\"lsbc ws0\">f\u00f8rt i<span class=\"_ _1\"></span> r<span class=\"lsaf wscf\">esultatregnskapet.<span class=\"_ _1c5\"> </span></span></span>Endringer i virk<span class=\"_ _5\"></span>elig verdi p\u00e5 de finansielle instrumentene inng\u00e5r i \u00abNetto gevinster p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter til virkeli<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>verdi\u00bb i resultat<span class=\"_ _5\"></span>regnskapet. Endringer i virkelig verdi p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter innenfor livsf<span class=\"_ _5\"></span>orsikring inng\u00e5r i \u00abNetto forsikringsresul<span class=\"_ _5\"></span>tat\u00bb. Finansielle derivater pres<span class=\"_ _5\"></span>enteres som en eiendel n\u00e5r virkelig verdi er positiv og som en forpliktelse n\u00e5r virk<span class=\"_ _5\"></span>elig verdi er negativ.<span class=\"ls0 ws0\"> </span>Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader f<span class=\"_ _5\"></span>or renteb\u00e6rende instrumenter inklusive f<span class=\"_ _5\"></span>inansielle derivater inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, med<span class=\"ls0 ws0\"> </span>unntak av renteinntekt<span class=\"_ _5\"></span>er og<span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som h\u00f8rer til tradingportef\u00f8ljen.<span class=\"ls0 ws0\"> </span>Tradingportef\u00f8<span class=\"_ _5\"></span>ljen omfatter instrumenter,<span class=\"_ _5\"></span> som i hovedsak er anskaffet for \u00e5 <span class=\"_ _1\"></span>sel<span class=\"_ _5\"></span>ges eller kj\u00f8pes tilbake p\u00e5 kort sikt. Dette o<span class=\"ls0 ws0\">m</span>fatter finansielle derivater, aksj<span class=\"_ _5\"></span>er og obligasjonsportef\u00f8ljer. Rentei<span class=\"_ _5\"></span>nntekter og <span class=\"ls0 ws0\">-</span>kostnader for finansielle instrument<span class=\"_ _5\"></span>er i trad<span class=\"wscf\">ingporte</span>f\u00f8ljen inng\u00e5r i \u00abNetto gevinster p\u00e5 finansielle i<span class=\"_ _5\"></span>nstrumenter til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler bestemt regnskapsf\u00f8rt til virkel<span class=\"_ _5\"></span>ig verdi over resultatet ved f\u00f8rstegangsinnregning, omf<span class=\"_ _5\"></span>atter i hovedsak<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">obligasjoner og </span>boligl\u00e5n med fast rente i norske kroner. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser bestemt regnsk<span class=\"_ _5\"></span>apsf\u00f8rt til virkelig verdi over resultatet<span class=\"_ _5\"></span> ved f\u00f8rstegangsinnregning, omfatter i hove<span class=\"wsd2\">ds<span class=\"_ _5\"></span>ak innl\u00e5n med </span>rentebinding i norsk<span class=\"_ _5\"></span>e kroner. Endringen i virkelig verdi som kan henf\u00f8res til konsernets kredittrisiko er beregnet <span class=\"wscf\">gjen</span>nom<span class=\"_ _5\"></span> \u00e5 bruke kreditts<span class=\"_ _5\"></span>preadkurver fra Nordic Bond Pricing. Endringen i virkelig verdi som kan henf\u00f8<span class=\"_ _5\"></span>res til kredittrisiko p\u00e5 \u00f8vrige finansielle forplik<span class=\"_ _5\"></span>telser er begrenset <span class=\"_ _5\"></span>p\u00e5 grunn av <span class=\"_ _5\"></span>instrumentenes kort<span class=\"_ _5\"></span>siktige natur. E<span class=\"_ _5\"></span>ndringer i v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> som f\u00f8<span class=\"_ _5\"></span>lge <span class=\"wsf6\">av kredittrisiko p\u00e5 kons<span class=\"_ _5\"></span>ernets langsiktige innl\u00e5n i </span>norske kroner som er bestemt regnskapsf\u00f8rt til vi<span class=\"_ _5\"></span>rkelig verdi over resultatet verken skaper eller forverrer et regnsk<span class=\"_ _5\"></span>apsmessi<span class=\"lsbd ws117\">g m<span class=\"_ _5\"></span>is</span><span class=\"wsd2\">f<span class=\"_ _5\"></span>orhold og er </span>derfor skilt ut og regnskapsf<span class=\"_ _5\"></span>\u00f8rt i totalresultatet. Se endring i egenkapital for en presentasj<span class=\"_ _5\"></span>on av effektene.<span class=\"ls0 ws0\"> </span>Omklassifis<span class=\"_ _5\"></span>eringer<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler omklassifiseres kun hvis det er en vesentlig endring i virksom<span class=\"_ _5\"></span>hetsmodell for eiendelene. Det er forventet at slike endringer er sv\u00e6rt sjeldne. Finansiel<span class=\"_ _5\"></span>le forpliktelser om<span class=\"lsbd ws104\">k<span class=\"_ _5\"></span>las<span class=\"_ _5\"></span><span class=\"lsbf wsff\">sifis<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbd ws104\"><span class=\"lsbf wsff\"><span class=\"ls0 ws0\"> </span></span></span><table class=\"s w36c h4f7\" id=\"_77147711-5923-4e5e-93de-cb24f1a092cf\"><tr><td class=\"c x400 y4222 w10c h139\"><div class=\"t m2 x19f hd1 y2193 ff229 fs55 fc21 sc0 lsaf wsf6\">Per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4c3 y4223 w160 hd7\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Obligato<span class=\"_ _5\"></span>risk vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y4223 w6e hd7\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">Bestemt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x4c4 y4224 w6e h165\"><div class=\"t m2 x4f hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">regnsk<span class=\"_ _5\"></span>aps<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4224 w6e h165\"><div class=\"t m2 x19e hcc y200f ff22a fs53 fc21 sc0 lsa7 wsc9\">Virkelig<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x4c4 y4225 w6e hd7\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 lsaa ws0\">f\u00f8rt til<span class=\"ls0\"> </span></div></td><td class=\"c x4c5 y4225 w6e hd7\"><div class=\"t m2 x1e4 hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">verdi ov<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4225 w6f hd7\"><div class=\"t m2 x1bb hcc y200f ff22a fs53 fc21 sc0 lsb2 wsf1\">Amorti<span class=\"_ _5\"></span>sert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4225 w6e hd7\"><div class=\"t m2 x19e hcc y200f ff22a fs53 fc21 sc0 lsb2 wsf1\">Bokf\u00f8rt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4226 w10c hd7\"><div class=\"t m2 x19f hd8 y200f ff22b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4226 w6e hd7\"><div class=\"t m2 x1b9 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">Trading <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48c y4228 w36d h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig</div><div class=\"t m2 x4c6 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c8 y4228 w36e h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi</div><div class=\"t m2 x4c7 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c5 y4226 w6e hd7\"><div class=\"t m2 x1e5 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">totalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ca y4228 w36f h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x4c9 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x494 y4226 w6e hd7\"><div class=\"t m2 x246 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">verdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4229 w10c h11f\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x493 y4229 w6f h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4229 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422a w10c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y422a w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span>809<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y422a w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span>809<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422b w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y422b w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y422b w6f hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y422b w6e hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x400 y422c w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y422c w6e hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>072<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422c w6f hdb\"><div class=\"t m2 x0 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">275<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">191<span class=\"ls0 ws0\"> </span>237<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>132<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y422c w6f hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>585<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">529<span class=\"ls0 ws0\"> </span>301<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422d w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4c3 y422d w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">969</span> </div></td><td class=\"c x4cb y422d w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>082<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422d w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>051<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422e w10c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422e w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422e w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422f w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y422f w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422f w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422f w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4230 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x493 y4230 w6f hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>536<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4230 w6e hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>536<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4231 w10c h11f\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>956<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y4231 w6f h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">282<span class=\"ls0 ws0\"> </span>382<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>435<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>132<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4231 w6f h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">670</span> <span class=\"lsab wscb\">85<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y4231 w6e h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">610</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x400 y4232 w10c hd9\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4232 w6e hd9\"><div class=\"t m2 x1b6 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">4 </div></td><td></td><td class=\"c x4c4 y4232 w6e hd9\"><div class=\"t m2 xf9 hcc y1da9 ff22a fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4232 w6f hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">330<span class=\"ls0 ws0\"> </span>635<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4232 w6e hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">330<span class=\"ls0 ws0\"> </span>635<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4233 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4233 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>819<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4233 w6f hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">483</span> <span class=\"lsab wscb\">05<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y4233 w6e hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">521</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>2</span> </div></td></tr><tr><td class=\"c x400 y4234 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Gjeld, k<span class=\"_ _5\"></span>under <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4cb y4234 w6f hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y4234 w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4235 w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4235 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y4235 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y4235 w6e hda\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4236 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4236 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">267</span> </div></td><td></td><td class=\"c x493 y4236 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">781<span class=\"ls0 ws0\"> </span>897<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4236 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4237 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4237 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">076</span> </div></td><td></td><td></td><td></td><td class=\"c x493 y4237 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>355<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4237 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4238 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4238 w6e hdb\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">769</span> </div></td><td></td><td class=\"c x493 y4238 w6f hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">110<span class=\"ls0 ws0\"> </span>707<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4238 w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4239 w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4239 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">123</span> </div></td><td></td><td class=\"c x493 y4239 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>903<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4239 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y423a w370 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff22a fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell <span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4cc h121 y3ebb ff22a fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c3 y423b w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>944<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y423b w6f hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span>959<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y423b w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y423b w6f hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">776</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x494 y423b w6e hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">173</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x3f6 y3ead w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y3ead w371 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>ater b<span class=\"_ _5\"></span>rukt som<span class=\"_ _5\"></span> sikrin<span class=\"_ _5\"></span>gsi<span class=\"_ _5\"></span>nstrument<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y423c w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y423c w372 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Fo<span class=\"_ _5\"></span>r finansi<span class=\"_ _5\"></span>elle <span class=\"_ _5\"></span>forplikt<span class=\"_ _5\"></span>elser b<span class=\"_ _5\"></span>estem<span class=\"_ _5\"></span>t reg<span class=\"_ _5\"></span>nskapsf<span class=\"_ _5\"></span>\u00f8rt til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span> er en<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>n i kre<span class=\"_ _5\"></span>dittris<span class=\"_ _5\"></span>iko pr<span class=\"_ _5\"></span>esent<span class=\"_ _5\"></span>ert i tot<span class=\"_ _5\"></span>alresul<span class=\"_ _5\"></span>ta<span class=\"lsd5 ws87\">tet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x422 y423d w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x423 y423d w373 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>udert si<span class=\"_ _5\"></span>kre<span class=\"_ _5\"></span>de eiendel<span class=\"_ _5\"></span>er og<span class=\"_ _5\"></span> forpli<span class=\"_ _5\"></span>ktel<span class=\"_ _5\"></span>ser som<span class=\"_ _5\"></span> er und<span class=\"_ _5\"></span>erlagt s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x422 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x423 y3e64 w374 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Kont<span class=\"_ _5\"></span>raktsm<span class=\"_ _5\"></span>essig <span class=\"_ _5\"></span>forplik<span class=\"_ _5\"></span>telse <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsiel<span class=\"_ _5\"></span>l gjeld be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span> utgjo<span class=\"_ _5\"></span>rde til s<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>en 47 21<span class=\"_ _5\"></span>5 mil<span class=\"_ _5\"></span>lioner<span class=\"_ _5\"></span> kroner.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w375 h4f9\" id=\"_bac1f648-f5bf-4c3d-9c41-c51fc4d17067\"><tr><td class=\"c x425 y423e w10c hd7\"><div class=\"t m2 x19f hd1 y1da9 ff22d fs55 fc21 sc0 lsaf wsf6\">Per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4cd y423f w160 hd7\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Obligato<span class=\"_ _5\"></span>risk vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y423f w6e hd7\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">Bestemt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x46b y4240 w6e h13b\"><div class=\"t m2 x4f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">regnsk<span class=\"_ _5\"></span>aps<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y4240 w6f h13b\"><div class=\"t m2 x19e hcc y1da9 ff22c fs53 fc21 sc0 lsa7 wsc9\">Virkelig<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x46b y4241 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 lsaa ws0\">f\u00f8rt til<span class=\"ls0\"> </span></div></td><td class=\"c x46c y4241 w6f hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">verdi ov<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y4241 w6e hd7\"><div class=\"t m2 x1bb hcc y1da9 ff22c fs53 fc21 sc0 lsb2 wsf1\">Amorti<span class=\"_ _5\"></span>sert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4241 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff22c fs53 fc21 sc0 lsb2 wsf1\">Bokf\u00f8rt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4242 w10c hd7\"><div class=\"t m2 x19f hd8 y1da9 ff22e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4242 w6f hd7\"><div class=\"t m2 x1b9 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">Trading <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cf y4243 w376 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig</div><div class=\"t m2 x4ce h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4d1 y4243 w377 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi</div><div class=\"t m2 x4d0 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46c y4242 w6f hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">totalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d3 y4243 w378 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x4d2 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46d y4242 w6e hd7\"><div class=\"t m2 x246 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">verdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4244 w10c hd9\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y4244 w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4244 w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4245 w10c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x44e y4245 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">165<span class=\"ls0 ws0\"> </span>563<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4245 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">165<span class=\"ls0 ws0\"> </span>563<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4246 w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4246 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>432<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4246 w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x46d y4246 w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x425 y4247 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4247 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>782<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4247 w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y4247 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span>208<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y4247 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>145<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y4247 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4247 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">574<span class=\"ls0 ws0\"> </span>896<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4248 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4cd y4248 w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">230</span> </div></td><td class=\"c x4d4 y4248 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4248 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>107<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4249 w10c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4249 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>419<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4249 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>419<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424a w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y424a w6f hda\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>529<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y424a w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y424a w6e hda\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424b w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y424b w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y424b w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424c w10c hd9\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y424c w6f hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>541<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y424c w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>085<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y424c w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">310<span class=\"ls0 ws0\"> </span>639<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y424c w6f hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>145<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y424c w6e hd9\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">556</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x46d y424c w6e hd9\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">538</span> <span class=\"lsab wscb\">69<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x425 y424d w10c hd9\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y424d w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>089<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y424d w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>089<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424e w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y424e w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>621<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y424e w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">447</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x46d y424e w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">76<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x425 y424f w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Gjeld, k<span class=\"_ _5\"></span>under <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4d4 y424f w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y424f w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4250 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4250 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4250 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4250 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4251 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4251 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">740</span> </div></td><td></td><td class=\"c x44e y4251 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">851<span class=\"ls0 ws0\"> </span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4251 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">854<span class=\"ls0 ws0\"> </span>765<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4252 w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4252 w6f hda\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td></td><td></td><td></td><td class=\"c x44e y4252 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>466<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4252 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>225<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4253 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4253 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">776</span> </div></td><td></td><td class=\"c x44e y4253 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>708<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4253 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4254 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4254 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td></td><td class=\"c x44e y4254 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>169<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4254 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4255 w379 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell <span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4d5 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y4256 w6f hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>699<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4256 w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span>347<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y4256 w6e hd9\"><div class=\"t m2 x1ba hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>237<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4256 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">745</span> <span class=\"lsab wscb\">59<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x46d y4256 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">114</span> <span class=\"lsab wscb\">88<span class=\"_ _5\"></span>1</span> </div></td></tr><tr><td class=\"c x3f6 y4173 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff22e fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4173 w37a h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff22e fs53 fc21 sc0 lsab wscd\">Inklu<span class=\"_ _5\"></span>derer<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>ater bruk<span class=\"_ _5\"></span>t som s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4174 w2d6 h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4174 w37b h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 lsab wscd\">For fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>elle for<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser b<span class=\"_ _5\"></span>estem<span class=\"_ _5\"></span>t reg<span class=\"_ _5\"></span>nskapsf<span class=\"_ _5\"></span>\u00f8rt til vi<span class=\"_ _5\"></span>rkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>er en<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>n i kre<span class=\"_ _5\"></span>dittrisi<span class=\"_ _5\"></span>ko pr<span class=\"_ _5\"></span>esent<span class=\"_ _5\"></span>ert i tot<span class=\"_ _5\"></span>alresul<span class=\"_ _5\"></span>ta<span class=\"lsd5 ws87\">tet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3eae w37c h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscb\">Inklu<span class=\"_ _5\"></span>der<span class=\"wscd\">t si<span class=\"_ _5\"></span>krede <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er og<span class=\"_ _5\"></span> forplik<span class=\"_ _5\"></span>tel<span class=\"_ _5\"></span>ser som<span class=\"_ _5\"></span> er und<span class=\"_ _5\"></span>erlagt si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring</span></span>.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w37d h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Kontr<span class=\"_ _5\"></span>aktsme<span class=\"_ _5\"></span>ssig <span class=\"_ _5\"></span>forplikt<span class=\"_ _5\"></span>else <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span> gjeld be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til vi<span class=\"_ _5\"></span>rkelig<span class=\"_ _5\"></span> verdi u<span class=\"_ _5\"></span>tgjord<span class=\"_ _5\"></span>e til s<span class=\"_ _5\"></span>ammen <span class=\"_ _5\"></span>47</span> <span class=\"lsab wscd\">629 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner kr<span class=\"_ _5\"></span>oner.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs192\">Note K31 Ak<span class=\"_ _1\"></span>sjer<span class=\"_ _1c5\"> </span></div><table class=\"s w393 h502\" id=\"_a4832dfc-3bb6-444f-997a-3dcceec3056d\"><tr><td class=\"c x45e y42e7 w98 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff25b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y42e7 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff259 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y42e7 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff259 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y42e8 w98 hd9\"><div class=\"t m2 x19f hcc y1db0 ff259 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> aksj<span class=\"_ _5\"></span>er, andel<span class=\"_ _5\"></span>er, fo<span class=\"_ _5\"></span>nd og<span class=\"_ _5\"></span> ege<span class=\"_ _5\"></span>nkapital<span class=\"_ _5\"></span>bevis<span class=\"_ _5\"></span>, ekskl. D<span class=\"_ _5\"></span>NB Li<span class=\"_ _5\"></span>vsfo<span class=\"_ _5\"></span>rsikri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y42e8 w6e hd9\"><div class=\"t m2 x1ba hcc y1db0 ff259 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>270<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y42e8 w6e hd9\"><div class=\"t m2 x248 hcc y1db0 ff259 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">605</span> </div></td></tr><tr><td class=\"c x45e y42e9 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff259 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> aksj<span class=\"_ _5\"></span>er, andel<span class=\"_ _5\"></span>er, fo<span class=\"_ _5\"></span>nd og<span class=\"_ _5\"></span> ege<span class=\"_ _5\"></span>nkapital<span class=\"_ _5\"></span>bevis<span class=\"_ _5\"></span>, DNB <span class=\"_ _5\"></span>Livsforsi<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y42e9 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff259 fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>781<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y42e9 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff259 fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span>503<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y42ea w98 h11f\"><div class=\"t m2 x19f hdc y1db0 ff25a fs53 fc21 sc0 lsab wscd\">Sum aksj<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y42ea w6e h11f\"><div class=\"t m2 x1ba hdc y1db0 ff25a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>051<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y42ea w6e h11f\"><div class=\"t m2 x1ba hdc y1db0 ff25a fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>107<span class=\"ls0 ws0\"> </span></div></td></tr></table>Se note K36 for investeringer i tilknyttede s<span class=\"_ _5\"></span>elskaper og felleskontrollerte vi<span class=\"_ _5\"></span>rksomheter og M32 for investeringer i dattersel<span class=\"wscf\">skaper.<span class=\"ls0 ws0\"> </span></span>Interesser i ikke<span class=\"ls0 ws0\">-</span>konsolider<span class=\"_ _5\"></span>te strukturerte enheter <span class=\"ff259 ls0 ws0\"> </span>Konsernet etablerer og forv<span class=\"_ _5\"></span>alter fond for \u00e5 gi kundene investeringsmuligheter.<span class=\"_ _5\"></span> Konsernets interesser i ikke<span class=\"ls0 ws0\">-</span>kons<span class=\"_ _5\"></span>oliderte strukturerte enheter er prim\u00e6rt gjennom det helei<span class=\"_ _5\"></span>de datterselskapet DNB Livsforsikring AS, som i hovedsak investerer for \u00e5 oppfylle sine forpliktel<span class=\"_ _5\"></span>ser knyttet til pensjons<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsf6\">og forsikringsavtaler, og tilbyr langsikt<span class=\"_ _5\"></span>ige sparel\u00f8sninger for sine forsikringstakere.<span class=\"ls0 ws0\"> </span></span>DNB Asset Management fungerer som investeri<span class=\"_ _5\"></span>ngsforvalter b\u00e5de for tredjepartskunder og f<span class=\"_ _5\"></span>or DNB Livsforsikring. Per 31. desember 2025 utgjorde samlet forvalt<span class=\"_ _5\"></span>et kapital (AuM), inkludert eiendeler under rapporteri<span class=\"_ _5\"></span>ng, NOK 1 667 milliarder, hvorav NOK 432 milliarder ble forvaltet p\u00e5 vegne av DNB Livsforsikring og NOK 255 milliarder ble f<span class=\"_ _5\"></span>orvaltet p\u00e5 vegne av DNB Bank som nominee. Konsernet konsoliderer beho<span class=\"wscf\">ldninger </span>hos DNB Livsforsikring der kont<span class=\"_ _5\"></span>roll foreligger, se note K32.<span class=\"ls0 ws0\"> </span>Fondene som forvaltes av konsernet,<span class=\"_ _5\"></span> genererer inntekter i form av forvaltningshonorarer og avkastni<span class=\"_ _5\"></span>ngsbaserte honorarer basert p\u00e5 forvaltet kapital, s<span class=\"_ _5\"></span>e note K19<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs198\">Note K33 Mo<span class=\"_ _1\"></span>ttatte ver<span class=\"_ _1\"></span>dipapirer som kan selges eller pantse<span class=\"_ _1\"></span>ttes<span class=\"_ _1c5\"> </span></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs19a\">Note K34 Eiendeler og f<span class=\"_ _1\"></span>orpliktelser<span class=\"_ _2\"></span>, kunder b\u00e6rer risik<span class=\"_ _1\"></span>oen<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w321 h505\" id=\"_86defa3a-1a35-4dd0-addd-7640b40857e6\"><tr><td class=\"c x45e y4305 w98 h136\"><div class=\"t m2 x19f hd1 y2d5e ff271 fs55 fc21 sc0 lsaf wsf6\">Mottatte verdip<span class=\"_ _5\"></span>apirer<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y4306 w98 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff272 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4306 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff270 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4306 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff270 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4307 w98 h11e\"><div class=\"t m2 x19f hdc y1db0 ff271 fs53 fc21 sc0 lsab wscb\">Gjensal<span class=\"_ _5\"></span>gsavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y4308 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff270 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4308 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff270 fs53 fc21 sc0 lsab wscb\">490<span class=\"ls0 ws0\"> </span>733<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4308 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff270 fs53 fc21 sc0 lsab wscb\">449<span class=\"ls0 ws0\"> </span>986<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4309 w98 h1e7\"><div class=\"t m2 x19f hdc y1db0 ff271 fs53 fc21 sc0 lsb3 ws121\">Verdi<span class=\"_ _5\"></span>papir<span class=\"_ _5\"></span>innl<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y430a w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff270 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x45f y430a w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff270 fs53 fc21 sc0 lsab wscb\">233<span class=\"ls0 ws0\"> </span>949<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y430a w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff270 fs53 fc21 sc0 lsab wscb\">118<span class=\"ls0 ws0\"> </span>671<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y430b w98 hd9\"><div class=\"t m2 x19f hcc y1db0 ff270 fs53 fc21 sc0 lsab wscd\">Sum m<span class=\"_ _5\"></span>ottatte v<span class=\"_ _5\"></span>erdipa<span class=\"_ _5\"></span>pirer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y430b w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff270 fs53 fc21 sc0 lsab wscb\">724<span class=\"ls0 ws0\"> </span>682<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y430b w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff270 fs53 fc21 sc0 lsab wscb\">568<span class=\"ls0 ws0\"> </span>657<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y430c w98 hda\"><div class=\"t m2 x19f hd8 y1da9 ff272 fs53 fc21 sc0 lsab wscd\">Herav m<span class=\"_ _5\"></span>ottatt<span class=\"_ _5\"></span>e verdi<span class=\"_ _5\"></span>papire<span class=\"_ _5\"></span>r som<span class=\"_ _5\"></span> er sol<span class=\"_ _5\"></span>gt eller <span class=\"_ _5\"></span>pantsa<span class=\"_ _5\"></span>tt:<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4f1 y430d w1c6 hdb\"><div class=\"t m2 x19f hd8 y1db0 ff272 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y430d w6e hdb\"><div class=\"t m2 x247 hd8 y1db0 ff272 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>427<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y430d w6e hdb\"><div class=\"t m2 x1ba hd8 y1db0 ff272 fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>661<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4f1 y430e w1c6 hdb\"><div class=\"t m2 x19f hd8 y1db0 ff272 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x45f y430e w6e hdb\"><div class=\"t m2 x1ba hd8 y1db0 ff272 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>876<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y430e w6e hdb\"><div class=\"t m2 x1ba hd8 y1db0 ff272 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>825<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gs10f\"><table class=\"s w393 h506\" id=\"_824210af-ce84-4f92-9098-2b2912632f95\"><tr><td class=\"c x45e y430f w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff275 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y430f w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y430f w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4310 w98 h11f\"><div class=\"t m2 x19f hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">Aksjefo<span class=\"_ _5\"></span>nd<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4310 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">149<span class=\"ls0 ws0\"> </span>703<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4310 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">121<span class=\"ls0 ws0\"> </span>131<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4311 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff273 fs53 fc21 sc0 lsab wscb\">Obligasj<span class=\"_ _5\"></span>onsfo<span class=\"_ _5\"></span>nd<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4311 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff273 fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span>134<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4311 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff273 fs53 fc21 sc0 lsab wscb\">51<span class=\"ls0 ws0\"> </span>028<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4312 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">Pengem<span class=\"_ _5\"></span>arkeds<span class=\"_ _5\"></span>fond<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4312 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>330<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4312 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>605<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4313 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">Kombinasj<span class=\"_ _5\"></span>ons<span class=\"_ _5\"></span>fond<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4313 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff273 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">863</span> </div></td><td class=\"c x463 y4313 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff273 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">792</span> </div></td></tr><tr><td class=\"c x45e y4314 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff273 fs53 fc21 sc0 lsab wscb\">Bankin<span class=\"_ _5\"></span>nskudd<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4314 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff273 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">072</span> </div></td><td class=\"c x463 y4314 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff273 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">864</span> </div></td></tr><tr><td class=\"c x45e y4315 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff273 fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4315 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff273 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">687</span> </div></td><td class=\"c x463 y4315 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff273 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">836</span> </div></td></tr><tr><td class=\"c x45e y4316 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff274 fs53 fc21 sc0 lsab wscd\">Sum ei<span class=\"_ _5\"></span>endeler,<span class=\"_ _5\"></span> kun<span class=\"_ _5\"></span>der b\u00e6r<span class=\"_ _5\"></span>er risik<span class=\"_ _5\"></span>oe<span class=\"_ _5\"></span>n <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4316 w6e hd9\"><div class=\"t m2 x247 hdc y1db0 ff274 fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4316 w6e hd9\"><div class=\"t m2 x247 hdc y1db0 ff274 fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4317 w98 hdd\"><div class=\"t m2 x19f hdc y1db0 ff274 fs53 fc21 sc0 lsb6 ws132\">Sum forp<span class=\"_ _1\"></span>liktelser, kunde<span class=\"_ _1\"></span>r b\u00e6rer risikoen<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4317 w6e hdd\"><div class=\"t m2 x247 hdc y1db0 ff274 fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4317 w6e hdd\"><div class=\"t m2 x247 hdc y1db0 ff274 fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h253 gs19d\"><div class=\"t m2 x248 hcf y2d9b ff273 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2d9c ff273 fs55 fc21 sc0 lsaf wsf6\">Eiendeler, kunder b\u00e6rer ris<span class=\"_ _5\"></span>ikoen, omfatter finansiell<span class=\"_ _5\"></span>e eiendeler og investeringseiendommer, og er eiendeler som forvalt<span class=\"_ _5\"></span>es av <span class=\"lsbd ws117\">DNB L<span class=\"_ _5\"></span>iv<span class=\"_ _5\"></span>sf<span class=\"_ _5\"></span>ors<span class=\"_ _5\"></span>i<span class=\"_ _5\"></span>kr<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>g </span></div><div class=\"t m2 x248 hcf y2d9d ff273 fs55 fc21 sc0 lsaf wsf6\">p\u00e5 vegne av forsikringstak<span class=\"_ _5\"></span>ere. Eiendelene best\u00e5r av innskudd mottatt gjennom innskuddspensjon og forsik<span class=\"_ _5\"></span>ringsavta<span class=\"wsd2\">le med <span class=\"_ _5\"></span>investeringsvalg. </span></div><div class=\"t m2 x248 hcf y2d9e ff273 fs55 fc21 sc0 lsaf wsf6\">Eiendelene m\u00e5l<span class=\"_ _5\"></span>es til virkelig verdi over resultatet. Hver eiendel har en tilsvarende forplikt<span class=\"_ _5\"></span>else, da forsikringstakeren har <span class=\"wsd2\">rett <span class=\"_ _5\"></span>til verdien <span class=\"_ _5\"></span>av de </span></div><div class=\"t m2 x248 hcf y2d9f ff273 fs55 fc21 sc0 lsaf wsf6\">underliggende eiendelene.<span class=\"_ _5\"></span> Nettoeffekten av endringene i virkelig verdi p\u00e5 konsernets<span class=\"_ _5\"></span> resultat er derfor null.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2da0 ff273 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2da1 ff273 fs55 fc21 sc0 lsaf wsf6\">Innskuddspensj<span class=\"_ _5\"></span>on er kollektive pensjonsavt<span class=\"_ _5\"></span>aler der den ansatte b\u00e6rer den finansielle risikoen. Det kan kj\u00f8pes helt eller delvis sikring p\u00e5 inn<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2da2 ff273 fs55 fc21 sc0 lsaf wsf6\">betalt bel\u00f8p. Dersom medlemmet trer ut av pensjons<span class=\"_ _5\"></span>avtalen, utstedes det et pensjonskapit<span class=\"_ _5\"></span>albevis som ivaretar kapitalen tilknyttet alders<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2da3 ff273 fs55 fc21 sc0 lsaf wscf\">pensjonen.<span class=\"ls0 ws0\">  </span></div><div class=\"t m2 x248 he2 y2da4 ff273 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2da5 ff273 fs55 fc21 sc0 lsaf wsf6\">Indivi<span class=\"_ _5\"></span>duelle forsikringsavtaler med investeri<span class=\"_ _5\"></span>ngsvalg er kapital<span class=\"ls0 ws0\">- </span>ell<span class=\"_ _5\"></span>er renteforsikringer der kunden b\u00e6rer den finansielle risikoen.</div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-388": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span>DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span>mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span>\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span>Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span>endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span>knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span>samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span>Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span>som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span>Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen til result<span class=\"_ _5\"></span>atregnskapet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-14": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Nettoinv<span class=\"_ _5\"></span>esteringssikring av investeringer i utenlandsk<span class=\"_ _5\"></span>e datter<span class=\"wscf\">selskaper<span class=\"ls0 ws0\"> </span></span>DNB foretar sikring av invest<span class=\"_ _5\"></span>eringer i utenlandske datterselskaper for \u00e5 eliminere eller redus<span class=\"_ _5\"></span>ere valutarisikoen som oppst\u00e5r n\u00e5r et datterselsk<span class=\"_ _5\"></span>ap har en annen funksjonell valut<span class=\"_ _5\"></span>a enn konsernet. Den balansef\u00f8rte verdien av inve<span class=\"wsd2\">steri<span class=\"_ _5\"></span>ngen varierer som <span class=\"_ _5\"></span>f\u00f8lge av sv<span class=\"_ _5\"></span>ingninger i spot<span class=\"_ _5\"></span> valutakurs </span>mellom datterselsk<span class=\"_ _5\"></span>apets funksjonelle valuta og konsernets f<span class=\"_ _5\"></span>unksjonelle valuta. Denne risikoen sikres ettersom den kan ha en vesent<span class=\"lsb9 wsff\">lig </span>\u00f8konomisk innvirk<span class=\"_ _5\"></span>ning p\u00e5 konsernregnskapet. <span class=\"ls0 ws0\"> </span>Innl\u00e5n i utenlandsk val<span class=\"_ _5\"></span>uta blir brukt som sikringsinstrument. Ved inng\u00e5else av sikringen foret<span class=\"_ _5\"></span>as det en kvalitativ vurdering <span class=\"lsc5 ws10b\">av sik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>effektivi<span class=\"_ _5\"></span>teten. Utpeking av sikringsforhold vurderes p\u00e5 nytt p\u00e5 kvartalsvi<span class=\"_ _5\"></span>s basis. Sikringseffektivi<span class=\"_ _5\"></span>teten blir vurdert <span class=\"wsd2\">periodisk v<span class=\"_ _5\"></span>ed \u00e5 sammenlik<span class=\"_ _5\"></span>ne </span>endringer i balansef\u00f8rt<span class=\"_ _5\"></span> verdi p\u00e5 innl\u00e5n i utenlandsk valuta knyttet til endringer i spot valutakurs, med endringer i invest<span class=\"_ _5\"></span>eringer i datter<span class=\"wscf\">selskapet </span>knyttet t<span class=\"_ _5\"></span>il endringer <span class=\"_ _5\"></span>i spot val<span class=\"_ _5\"></span>utakurs. Sikringene <span class=\"_ _5\"></span>forventes <span class=\"_ _5\"></span>\u00e5 v\u00e6re sv\u00e6rt<span class=\"_ _5\"></span> e<span class=\"wsf6\">ffektive ettersom investeri<span class=\"_ _5\"></span>ngene normalt sikres med instrument<span class=\"_ _5\"></span>er i </span>samme valuta og med et bel\u00f8p tilsvarende st\u00f8rrels<span class=\"_ _5\"></span>en p\u00e5 den u<span class=\"_ _1\"></span>tpekte i<span class=\"_ _5\"></span>nvesteringen. <span class=\"ls0 ws0\"> </span>Gevinst eller t<span class=\"_ _5\"></span>ap etter skatt p\u00e5 sikringsinstrumentene blir regnskapsf<span class=\"_ _5\"></span>\u00f8rt direkte i konsernets egenkapital og presenteres i e<span class=\"wsd2\">ndring i<span class=\"_ _5\"></span> egenkapital<span class=\"_ _5\"></span> </span>som en del av \u00abNetto valutaomregningsreserv<span class=\"_ _5\"></span>e\u00bb og i totalresultatet som \u00abSikring av nettoinvestering\u00bb. <span class=\"ls0 ws0\"> </span>Hvis et utenlandsk dattersels<span class=\"_ _5\"></span>kap blir solgt eller nedlagt, omklassifiseres sikrings<span class=\"_ _5\"></span>instrumentenes kumulativ<span class=\"_ _5\"></span>e gevinster eller tap fra egenkapitalen til result<span class=\"_ _5\"></span>atregnskapet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-393": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>Konsernet anv<span class=\"_ _5\"></span>ender sikrings<span class=\"_ _5\"></span>bokf\u00f8ring i <span class=\"_ _5\"></span>henhold til I<span class=\"_ _5\"></span>FRS 9 Finan<span class=\"wsf6\">siel<span class=\"_ _5\"></span>le instrumenter. <span class=\"ls0 ws0\"> </span></span>I DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet brukes b\u00e5de derivat<span class=\"_ _5\"></span>er og ikke</span>-<span class=\"lsaf wsf6\">derivative instrum<span class=\"_ _5\"></span>enter til \u00e5 h\u00e5ndtere eksponeringen for renterisiko og valuta<span class=\"wsd2\">risik<span class=\"_ _5\"></span>o. Virkelig v<span class=\"_ _5\"></span>erdi</span></span>-<span class=\"_ _1c5\"> </span></span>sikring brukes til sik<span class=\"_ _5\"></span>ring av renterisiko p\u00e5 utstedt gjeld i valuta og en portef\u00f8lje med obligasj<span class=\"_ _5\"></span>onsinvesteringer. Nett<span class=\"_ _5\"></span>oinvesterings<span class=\"wscf\">sikri<span class=\"_ _5\"></span>ngsbokf\u00f8ring </span>brukes til sikri<span class=\"_ _5\"></span>ng av eksponering til utenlandsk valuta av investeringer i utenlandsk virksom<span class=\"_ _5\"></span><span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring av renterisiko <span class=\"ls0 ws0\"> </span></span>DNB bruker renteswapper til \u00e5 sikre endringer i virk<span class=\"_ _5\"></span>elig verdi knyttet til bevegelser i markedsrent<span class=\"_ _5\"></span>e p\u00e5 utstedte obligasjoner<span class=\"ls0 ws0\"> </span>og ansvarl<span class=\"_ _5\"></span>ig l\u00e5n med fast rente notert i utenlandsk valuta,<span class=\"_ _5\"></span> samt en portef\u00f8lje med obligasjonsinv<span class=\"_ _5\"></span>esteringer. Verdipapirer og for<span class=\"ls0 ws0\">p</span>likt<span class=\"_ _5\"></span>elser sikres 1:1 gjennom eksterne kontrakter hvor det er et \u00f8konomisk forhold mellom valuta og rent<span class=\"_ _5\"></span>estr\u00f8mmen og sikringsforretni<span class=\"_ _5\"></span>ngen. Sikringen blir inng\u00e5tt p\u00e5 samme tidspunkt som gjelden blir utstedt f<span class=\"_ _5\"></span>or \u00e5 oppn<span class=\"_ _1\"></span>\u00e5 samsvar i kontrakt<span class=\"_ _5\"></span>betingelsene for derivatet og gjel<span class=\"_ _5\"></span>dsinstrumentet. For obligasj<span class=\"_ _5\"></span>onsinvesteringer inng\u00e5s ogs\u00e5 sikringen p\u00e5 samme tidspunkt som investeri<span class=\"_ _5\"></span>ngen skjer.<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sikring brukes p\u00e5 \u00f8konomiske sikringsforhol<span class=\"_ _5\"></span>d som kvalifiserer til sikringsbokf\u00f8<span class=\"_ _5\"></span>ring. N\u00e5r sikringsbokf\u00f8ring brukes, foret<span class=\"_ _5\"></span>as det en </span>kvalitativ v<span class=\"_ _5\"></span>urdering av det \u00f8konomiske sikrings<span class=\"wscf\">f<span class=\"_ _5\"></span>or</span>holdet mellom gjeldsinstrumentet eller obligasj<span class=\"_ _5\"></span>onsinvesteringen og derivat<span class=\"_ _5\"></span>et, hvilket dokumenteres v<span class=\"_ _5\"></span>ed inng\u00e5elsen <span class=\"_ _5\"></span>av sikrings<span class=\"_ _5\"></span><span class=\"wscf\">for<span class=\"wsf6\">holdet. Det blir deretter vurdert peri<span class=\"_ _5\"></span>odisk hvorvidt derivater, \u00f8re</span></span>m<span class=\"_ _5\"></span>erket som sikrings<span class=\"_ _5\"></span><span class=\"lsbd ws104\">ins<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rum<span class=\"_ _5\"></span>en<span class=\"_ _5\"></span>t </span>fortsett<span class=\"_ _5\"></span>er \u00e5 v\u00e6re effektive til \u00e5 utlikne endringene i virkelig verdi p\u00e5 sikringsobjek<span class=\"lsbc ws103\">tet. <span class=\"ls0 ws0\"> </span></span>DNBs vi<span class=\"_ _5\"></span>rkelig verdi<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">sik<span class=\"_ _5\"></span>ringer av renterisiko p\u00e5 utstedt gjeld og obligasjonsinv<span class=\"_ _5\"></span>esteringer for<span class=\"lsbc ws0\">vente<span class=\"_ _1\"></span>s \u00e5 v\u00e6r<span class=\"_ _1\"></span>e sv\u00e6r<span class=\"_ _1\"></span>t e<span class=\"_ _1\"></span>ffektive<span class=\"_ _1\"></span>. Sikr<span class=\"_ _1\"></span>ingsin<span class=\"_ _1\"></span>effek<span class=\"_ _1\"></span>tivite<span class=\"_ _1\"></span>t </span></span>kan imidlerti<span class=\"_ _5\"></span>d oppst\u00e5 dersom vilk\u00e5rene for derivatet og gjeldsinstrumentet ikke er helt samkj<span class=\"_ _5\"></span>\u00f8rt, eller hvis<span class=\"ls0 ws0\"> </span>den virkelige verdien av sikringsi<span class=\"_ _5\"></span>nstrumentet er p\u00e5virket av kredittrisi<span class=\"_ _5\"></span>ko. <span class=\"ls0 ws0\"> </span>Sikri<span class=\"_ _5\"></span>ngsinstrumentene m\u00e5les til virkelig verdi<span class=\"_ _5\"></span> i balansen og endringene i virkelig verdi presenteres under \u00abNetto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrum<span class=\"_ _5\"></span>enter til virkelig verdi\u00bb i resultatregnskapet.<span class=\"_ _5\"></span> Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som <span class=\"wsd2\">er \u00f8remerket som </span>sikringsi<span class=\"_ _5\"></span>nstrumenter presenteres under \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb. Derivater brukt for sikring er ytterl<span class=\"_ _5\"></span>igere spesifisert som \u00abFinansiel<span class=\"_ _5\"></span>le derivater, sikring\u00bb i note K20 Netto gevinster p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter til virkelig verdi.<span class=\"ls0 ws0\"> </span>For sikrede obligasj<span class=\"_ _5\"></span>onsinvesteringer og utstedte obligasjoner,<span class=\"_ _5\"></span> justeres sikringsobj<span class=\"_ _5\"></span>ektene for endringer i virkelig verdi som f\u00f8lge av den sikrede risikoen. F<span class=\"_ _5\"></span>or instrumenter m\u00e5lt til virkelig verdi over totalres<span class=\"_ _5\"></span>ultatet, blir gevinst eller tap som f\u00f8lge av sikret risiko present<span class=\"_ _5\"></span>ert under \u00abNetto gevinster p\u00e5 finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi<span class=\"_ _5\"></span>\u00bb. Risikoen som ikke er sikret presenteres i totalresultatet. Endring<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>i virkelig verdi som f\u00f8lge av sikret risiko for forpl<span class=\"_ _5\"></span>iktelser m\u00e5lt til amortisert kost er presentert under \u00abNett<span class=\"_ _5\"></span>o gevinster p\u00e5 finansielle instrument<span class=\"_ _5\"></span>er til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Dersom sikringsforholdet<span class=\"_ _5\"></span> slutter \u00e5 oppfylle kravene til sikrings<span class=\"_ _5\"></span>effektivitet avvikl<span class=\"_ _5\"></span>es sikringsforholdet, og den kumul<span class=\"_ _5\"></span>ative ve<span class=\"lsc1 wsce\">rdi</span>endringen tilk<span class=\"_ _5\"></span>nyttet sikringsobj<span class=\"_ _5\"></span>ektet amortiseres over den gjenv\u00e6rende l\u00f8pe<span class=\"wscf\">ti<span class=\"_ _5\"></span>den.<span class=\"_ _1c5\"> </span></span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-403": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K17 Likvidite<span class=\"_ _1\"></span>tsrisik<span class=\"_ _1\"></span>o<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h153 gs12b\"><div class=\"t m2 x20e hcf y2145 ff1c0 fs55 fc21 sc0 lsaf wsf6\">Likvidit<span class=\"_ _5\"></span>etsrisiko er risikoen for at konsernet ikke er i stand til \u00e5 innfri sine forpliktelser,<span class=\"_ _5\"></span> eller ikke klarer \u00e5 m\u00f8te sine<span class=\"ls0 ws0\"> </span>likviditetsf<span class=\"_ _5\"></span>orpliktelser uten en </div><div class=\"t m2 x20e hcf y2146 ff1c0 fs55 fc21 sc0 lsaf wsd2\">vesentlig \u00f8<span class=\"_ _5\"></span>kning i k<span class=\"_ _5\"></span>ostnadene forbundet <span class=\"_ _5\"></span>med dette. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2729 ff1c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y272a ff1c0 fs55 fc21 sc0 lsaf wsf6\">Konsernets prinsi<span class=\"_ _5\"></span>pper for risikoappetitt definerer grens<span class=\"_ _5\"></span>ene for likviditetsstyring i DNB. Interne risik<span class=\"_ _5\"></span>oappetittrammer er satt for Liquidity Coverage </div><div class=\"t m2 x20e hcf y272b ff1c0 fs55 fc21 sc0 lsaf wsf6\">Ratio (LCR), Net Stable Fundi<span class=\"_ _5\"></span>ng <span class=\"_ _1\"></span>Ratio (NS<span class=\"_ _5\"></span>FR) og innskuddsdekningen. Risikoappetit<span class=\"_ _5\"></span>ten er operasjonalisert gjennom DNBs likvidit<span class=\"_ _5\"></span>etsstrategi og </div><div class=\"t m2 x20e hcf y272c ff1c0 fs55 fc21 sc0 lsaf wsf6\">likvidi<span class=\"_ _5\"></span>tetsrammer, som gjennomg\u00e5s minst \u00e5rlig av styret. Form\u00e5l<span class=\"_ _5\"></span>et med LCR<span class=\"_ _1\"></span> er \u00e5 sikre at DNB har en tilstrekkelig st<span class=\"_ _5\"></span>or likviditetsreserve av </div><div class=\"t m2 x20e hcf y272d ff1c0 fs55 fc21 sc0 lsaf wsf6\">ubeheftede, h\u00f8ykv<span class=\"_ _5\"></span>alitets likvide eiendeler for \u00e5 kunne m\u00f8te 30 dagers netto likviditetsuts<span class=\"_ _5\"></span>tr\u00f8mning under stressede forhold. LCR holdt seg godt </div><div class=\"t m2 x20e hcf y272e ff1c0 fs55 fc21 sc0 lsaf wsf6\">over minimumskrav<span class=\"_ _5\"></span>et i 2025. Ved utgangen av 2025 var LCR<span class=\"_ _1\"></span> 130 prosent, sammenlik<span class=\"_ _5\"></span>net med 148 pro<span class=\"_ _1\"></span>sent<span class=\"_ _5\"></span> \u00e5ret f\u00f8r. NSFR spesifisere<span class=\"lsbd ws117\">r et<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x20e hcf y272f ff1c0 fs55 fc21 sc0 lsaf wsd2\">minimumskrav <span class=\"_ _5\"></span>for langsiktig s<span class=\"_ _5\"></span>tabil finans<span class=\"_ _5\"></span>iering av eiendel<span class=\"_ _5\"></span>er. I <span class=\"_ _5\"></span><span class=\"wsf6\">henhold til kapitalkravsf<span class=\"_ _5\"></span>orordningen (Capital Requirements Regulat<span class=\"_ _5\"></span>ion, CRR) m\u00e5 </span></div><div class=\"t m2 x20e hcf y2730 ff1c0 fs55 fc21 sc0 lsaf wsf6\">den tilgjengel<span class=\"_ _5\"></span>ige stabile finansieringen v\u00e6re mi<span class=\"_ _5\"></span>nst like stor som den <span class=\"_ _1\"></span>n\u00f8dvendige st<span class=\"_ _5\"></span>abile finansieringen. Med andre ord er kra<span class=\"lsbc ws10c\">vet til NSFR<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y2731 ff1c0 fs55 fc21 sc0 lsaf wsf6\">indikat<span class=\"_ _5\"></span>oren minst 100 prosent. NSFR var<span class=\"ls0 ws0\"> </span>113 prosent ved utgangen av 2025, sammenliknet med 113 prosent ved utgangen av 2024. </div><div class=\"t m2 x20e hcf y2732 ff1c0 fs55 fc21 sc0 lsaf wsf6\">Innskuddsdekni<span class=\"_ _5\"></span>ngen holdt seg stabil p\u00e5 h\u00f8ye niv\u00e5er gjennom \u00e5ret, og godt over grensen som er satt i <span class=\"_ _1\"></span>prinsi<span class=\"_ _5\"></span>ppene for risikoapp<span class=\"lsbc ws103\">etitt<span class=\"_ _1\"></span>.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2733 ff1c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2734 ff1c0 fs55 fc21 sc0 lsaf wsf6\">I tr\u00e5d med bankens risikoappet<span class=\"_ _5\"></span>itt og risikostrategi skal likviditets<span class=\"_ _5\"></span>risikoen v\u00e6re lav og underbygge bankens finansielle styrk<span class=\"_ _5\"></span><span class=\"wsd2\">e. M\u00e5let med </span></div><div class=\"t m2 x20e hcf y2735 ff1c0 fs55 fc21 sc0 lsaf wsf6\">likvidi<span class=\"_ _5\"></span>tetsgrensene er \u00e5 redusere DNBs avhengighet av kortsiktig finansiering f<span class=\"_ _5\"></span>ra nasjonale og internasjonale penge<span class=\"ls0 ws0\">- o</span>g kapitalmarkeder. For </div><div class=\"t m2 x20e hcf y2736 ff1c0 fs55 fc21 sc0 lsaf wsf6\">ytterligere \u00e5 sikre en balansert<span class=\"_ _5\"></span> finansieringsstruktur har DNB satt en minimumsgrense for innskudds<span class=\"_ _5\"></span>dekning. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2737 ff1c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2738 ff1c0 fs55 fc21 sc0 lsaf wsf6\">DNB gjennomf\u00f8rer regelmess<span class=\"_ _5\"></span>ig stresstester for \u00e5 sikre at konsernet har tilstrekkel<span class=\"_ _5\"></span>ige likvide eiendeler til \u00e5 h\u00e5ndtere likvid<span class=\"lsbc ws103\">itetsstr<span class=\"_ _1\"></span>ess. </span></div><div class=\"t m2 x20e hcf y2739 ff1c0 fs55 fc21 sc0 lsaf wsf6\">Likvidit<span class=\"_ _5\"></span>etsstresstesting er integrert i bankens rammeverk f<span class=\"_ _5\"></span>or styring av likviditetsrisik<span class=\"_ _5\"></span>o, inkludert fastsettelse og mulige justeringer av </div><div class=\"t m2 x20e hcf y273a ff1c0 fs55 fc21 sc0 lsaf wsf6\">likvidi<span class=\"_ _5\"></span>tetsgrenser. Stresstesti<span class=\"_ _5\"></span>ngen danner ogs\u00e5 grunnlaget for vurdering av bankens beredskapspl<span class=\"_ _5\"></span>aner for finansiering. Stress<span class=\"wscf\">testene </span></div><div class=\"t m2 x20e hcf y273b ff1c0 fs55 fc21 sc0 lsaf wsf6\">gjennomf\u00f8res p\u00e5 kvartals<span class=\"_ _5\"></span>basis og omfatter fire ulike scenarier. Et markedsstresscenario,<span class=\"_ _5\"></span> et bankspesifikt stresscenari<span class=\"_ _5\"></span>o, et kombinert system<span class=\"ls0 ws0\">- </span><span class=\"wscf\">og </span></div><div class=\"t m2 x20e hcf y273c ff1c0 fs55 fc21 sc0 lsaf wsf6\">bankspesif<span class=\"_ _5\"></span>ikt stresscenario og et regulatorisk LCR<span class=\"ls0 ws0\">-</span><span class=\"wscf\">scenario.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y273d ff1c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y273e ff1c0 fs55 fc21 sc0 lsaf wsf6\">Det gjennomf\u00f8res ogs\u00e5 en reversert likvidit<span class=\"_ _5\"></span>etsstresstest som vurderer hvilke omstendighet<span class=\"_ _5\"></span>er som vil kunne f\u00f8re til at bankens<span class=\"ls0 ws0\"> </span><span class=\"wscf\">likviditets<span class=\"_ _5\"></span>reserver </span></div><div class=\"t m2 x20e hcf y273f ff1c0 fs55 fc21 sc0 lsaf wsf6\">t\u00f8mmes innen definerte tids<span class=\"_ _5\"></span>horisonter. Den reverserte stresstest<span class=\"_ _5\"></span>en er <span class=\"_ _1\"></span>basert<span class=\"_ _5\"></span> p\u00e5 kombinasjonsscenarioet. P\u00e5 toppen av det legges ulike </div><div class=\"t m2 x20e hcf y2740 ff1c0 fs55 fc21 sc0 lsaf wsf6\">hendelser som \u00f8ker stress<span class=\"_ _5\"></span>niv\u00e5et, som manglende evne til \u00e5 refinansiere obligasjoner med fortrinnsrett og en \u00f8kning i uttak av<span class=\"ls0 ws0\"> </span><span class=\"wscf\">kundei<span class=\"_ _5\"></span>nnskudd. </span></div><div class=\"t m2 x20e hcf y2741 ff1c0 fs55 fc21 sc0 lsaf wsf6\">Hendelsene ti<span class=\"_ _5\"></span>lpasses for \u00e5 provosere fram situasjoner der likviditetsbufferen er oppbrukt v<span class=\"_ _5\"></span>ed ulike tidshorisonter fra 30 til 180 dager.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2637 ff1c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y223f ff1c0 fs55 fc21 sc0 lsaf wsf6\">Prinsi<span class=\"_ _5\"></span>ppene for konsernets likviditetsrisikosty<span class=\"_ _5\"></span>ring og kontroll er nedfelt i konsernpolicyen for risikosty<span class=\"_ _5\"></span>ring og utdypes vid<span class=\"wsd2\">ere i k<span class=\"_ _5\"></span>onserninstruksen </span></div><div class=\"t m2 x20e hcf y2240 ff1c0 fs55 fc21 sc0 lsaf wsf6\">for styri<span class=\"_ _5\"></span>ng, rapportering og kontroll av likviditetsrisiko,<span class=\"_ _5\"></span> som beskriver styringsstrukturen og ansvarsfordeli<span class=\"_ _5\"></span>ngen mellom ulike funksjoner for </div><div class=\"t m2 x20e hcf y2241 ff1c0 fs55 fc21 sc0 lsaf wsf6\">styring, overv\u00e5k<span class=\"_ _5\"></span>ing, kontroll og rapportering av likviditetsris<span class=\"_ _5\"></span>iko. Konserntreasury h\u00e5ndterer li<span class=\"_ _5\"></span>kviditetsrisikoen i det dagli<span class=\"_ _5\"></span>ge, mens Risikostyring </div><div class=\"t m2 x20e hcf y2742 ff1c0 fs55 fc21 sc0 lsaf wsf6\">Konsern represent<span class=\"_ _5\"></span>erer den uavhengige andrelinjefunksjonen for risikost<span class=\"_ _5\"></span>yr<span class=\"lsbd ws104\">i<span class=\"_ _5\"></span>ng.</span><span class=\"lsbd ws104\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2743 ff1c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2744 ff1c0 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></div><div class=\"c w111 h153 gs12e\"><div class=\"t m2 x248 hcf y2396 ff1c1 fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor viser ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>diskonterte kontraktsf<span class=\"_ _5\"></span>estede kontantstr\u00f8mmer. Forfallsanalysen er basert p\u00e5 den tidli<span class=\"_ _5\"></span>gste datoen konsernet kan bli </div><div class=\"t m2 x248 hcf y2397 ff1c1 fs55 fc21 sc0 lsaf wsf6\">bedt om \u00e5 foreta betaling, uten \u00e5 ta hensyn til sannsynlighetsforut<span class=\"_ _5\"></span>setninger.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2398 ff1c1 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs12f\"><table class=\"s w32b h4e2\" id=\"_847c8609-3517-432c-99a7-5b179bb24d79\"><tr><td class=\"c x45e y40fc w16f h136\"><div class=\"t m2 x19f hd1 y200d ff1c2 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x483 y40fd wdd hd7\"><div class=\"t m2 x247 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y40fd wde hd7\"><div class=\"t m2 x210 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y40fd wdd hd7\"><div class=\"t m2 x210 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y40fd wdc hd7\"><div class=\"t m2 x44 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x475 y40fd wdd hd7\"><div class=\"t m2 x247 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">Uten <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y40fe w16f hd7\"><div class=\"t m2 x19f hd8 y1da9 ff1c3 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y40fe wdd hd7\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">1 mnd.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y40fe wde hd7\"><div class=\"t m2 x28d hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y40fe wdd hd7\"><div class=\"t m2 xd9 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y40fe wdc hd7\"><div class=\"t m2 xd9 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y40fe w128 hd7\"><div class=\"t m2 x20a hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y40fe wdd hd7\"><div class=\"t m2 x1a5 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">forfall <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y40fe wde hd7\"><div class=\"t m2 x209 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40ff w16f h119\"><div class=\"t m2 x19f hd1 y1dab ff1c2 fs55 fc21 sc0 lsaf wscf\">Eiendeler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4100 w16f hda\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4100 wdd hda\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y4100 wde hda\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4101 w16f hde\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4101 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">74<span class=\"ls0 ws0\"> </span>069<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4101 wde hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>006<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4101 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>555<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x476 y4101 wde hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>630<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4102 w16f hdb\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4102 wdd hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">324<span class=\"ls0 ws0\"> </span>087<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4102 wde hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">164<span class=\"ls0 ws0\"> </span>397<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4102 wdd hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">387<span class=\"ls0 ws0\"> </span>448<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4102 wdc hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">916<span class=\"ls0 ws0\"> </span>015<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4102 w128 hdb\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">622</span> <span class=\"lsab wscb\">23<span class=\"_ _5\"></span>0</span> </div></td><td></td><td class=\"c x476 y4102 wde hdb\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">414</span> <span class=\"lsab wscb\">17<span class=\"_ _5\"></span>6</span> </div></td></tr><tr><td class=\"c x45e y4103 w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4103 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>688<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4103 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>370<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4103 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>667<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4103 wdc hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">285<span class=\"ls0 ws0\"> </span>379<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4103 w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>165<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4103 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">396<span class=\"ls0 ws0\"> </span>270<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4104 w16f hda\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x475 y4104 wdd hda\"><div class=\"t m2 x209 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td><td class=\"c x476 y4104 wde hda\"><div class=\"t m2 x209 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td></tr><tr><td class=\"c x45e y4105 w16f hde\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r m.v.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4105 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y4105 wde hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4106 w16f hd9\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">Sum<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4106 wdd hd9\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">588<span class=\"ls0 ws0\"> </span>153<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4106 wde hd9\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">228<span class=\"ls0 ws0\"> </span>773<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4106 wdd hd9\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">455<span class=\"ls0 ws0\"> </span>670<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4106 wdc hd9\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">201</span> <span class=\"lsab wscb\">39<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x474 y4106 w128 hd9\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> <span class=\"lsab wscb\">39<span class=\"_ _5\"></span>5</span> </div></td><td class=\"c x475 y4106 wdd hd9\"><div class=\"t m2 x209 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td><td class=\"c x476 y4106 wde hd9\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">118</span> <span class=\"lsab wscb\">05<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x45e y4107 w16f h16d\"><div class=\"t m2 x19f hd1 y26fe ff1c2 fs55 fc21 sc0 lsbc ws103\">Gjeld<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4108 w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4108 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">292<span class=\"ls0 ws0\"> </span>575<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4108 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>086<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4108 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>060<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4108 wdc hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4108 w128 hdb\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">161</span> </div></td><td></td><td class=\"c x476 y4108 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">346<span class=\"ls0 ws0\"> </span>956<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4109 w16f hda\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4109 wdd hda\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">413</span> <span class=\"lsab wscb\">09<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x484 y4109 wde hda\"><div class=\"t m2 x19b hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">30<span class=\"ls0 ws0\"> </span>356<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4109 wdd hda\"><div class=\"t m2 x19b hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">83<span class=\"ls0 ws0\"> </span>254<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4109 wdc hda\"><div class=\"t m2 x19b hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x476 y4109 wde hda\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">539</span> <span class=\"lsab wscb\">31<span class=\"_ _5\"></span>1</span> </div></td></tr><tr><td class=\"c x45e y410a w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y410a wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">51<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y410a wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">115<span class=\"ls0 ws0\"> </span>502<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y410a wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">322<span class=\"ls0 ws0\"> </span>970<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y410a wdc hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">376<span class=\"ls0 ws0\"> </span>575<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y410a w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>176<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y410a wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">958<span class=\"ls0 ws0\"> </span>011<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y410b w16f hde\"><div class=\"t m2 x19f hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y410b wdd hde\"><div class=\"t m2 x19b hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>949<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y410b wde hde\"><div class=\"t m2 x19b hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>949<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y410c w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y410c wdd hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x472 y410c wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">401</span> </div></td><td class=\"c x473 y410c wdc hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>361<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x476 y410c wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>798<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y410d w16f hdd\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">Sum<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y410d wdd hdd\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">799</span> <span class=\"lsab wscb\">43<span class=\"_ _5\"></span>8</span> </div></td><td class=\"c x484 y410d wde hdd\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">156<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y410d wdd hdd\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">441<span class=\"ls0 ws0\"> </span>686<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y410d wdc hdd\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">426<span class=\"ls0 ws0\"> </span>619<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y410d w128 hdd\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">100<span class=\"ls0 ws0\"> </span>337<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y410d wde hdd\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">925</span> <span class=\"lsab wscb\">02<span class=\"_ _5\"></span>4</span> </div></td></tr><tr><td class=\"c x45e y410e w16f h11e\"><div class=\"t m2 x19f hd1 y1dc8 ff1c2 fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e derivater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y410f w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater br<span class=\"_ _5\"></span>utto oppgj<span class=\"_ _5\"></span>\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4110 w16f hdb\"><div class=\"t m2 x163 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Innstr<span class=\"_ _5\"></span>\u00f8mmer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4110 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">344<span class=\"ls0 ws0\"> </span>037<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4110 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span>339<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4110 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">359<span class=\"ls0 ws0\"> </span>214<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4110 wdc hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">540<span class=\"ls0 ws0\"> </span>295<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4110 w128 hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">158<span class=\"ls0 ws0\"> </span>953<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4110 wde hdb\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">739</span> <span class=\"lsab wscb\">83<span class=\"_ _5\"></span>7</span> </div></td></tr><tr><td class=\"c x45e y4111 w16f hde\"><div class=\"t m2 x163 hcc y1da9 ff1c1 fs53 fc21 sc0 lsd0 ws128\">Uts<span class=\"_ _1\"></span>tr\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4111 wdd hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">343<span class=\"ls0 ws0\"> </span>883<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4111 wde hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">339<span class=\"ls0 ws0\"> </span>111<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4111 wdd hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">360<span class=\"ls0 ws0\"> </span>115<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4111 wdc hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">544<span class=\"ls0 ws0\"> </span>509<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4111 w128 hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">164<span class=\"ls0 ws0\"> </span>384<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4111 wde hde\"><div class=\"t m2 x242 hcc y1da9 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">752</span> <span class=\"lsab wscb\">00<span class=\"_ _5\"></span>2</span> </div></td></tr><tr><td class=\"c x45e y4112 w16f hda\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater net<span class=\"_ _5\"></span>to oppgj<span class=\"_ _5\"></span>\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4112 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">774<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4112 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">492<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4112 wdd hda\"><div class=\"t m2 x20f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">(959)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4112 wdc hda\"><div class=\"t m2 x329 hcc y1da9 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">317</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x474 y4112 w128 hda\"><div class=\"t m2 x329 hcc y1da9 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">740</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x476 y4112 wde hda\"><div class=\"t m2 x329 hcc y1da9 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">751</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4113 w16f hdd\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4113 wdd hdd\"><div class=\"t m2 x19e hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">928<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4113 wde hdd\"><div class=\"t m2 x329 hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">280</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x472 y4113 wdd hdd\"><div class=\"t m2 x329 hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">860</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x473 y4113 wdc hdd\"><div class=\"t m2 x329 hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x474 y4113 w128 hdd\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">171</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x476 y4113 wde hdd\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(21<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">916</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4114 w16f hde\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wsd0\">Kredittram<span class=\"_ _5\"></span>me<span class=\"_ _5\"></span>r, l\u00e5netil<span class=\"_ _5\"></span>sagn og remb<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4114 wdd hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">949<span class=\"ls0 ws0\"> </span>061<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y4114 wde hde\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">949<span class=\"ls0 ws0\"> </span>061<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gs130\"><table class=\"s w32c h4e3\" id=\"_96c09d2b-f5ea-4dea-a768-ff02647b8a46\"><tr><td class=\"c x45e y4115 w16f h139\"><div class=\"t m2 x19f hd1 y1fa6 ff1c2 fs55 fc21 sc0 lsaf wsf6\">Restl\u00f8petid per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x483 y4116 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Inntil <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4116 wde hd7\"><div class=\"t m2 x210 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Fra 1 mn<span class=\"_ _5\"></span>d.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4116 wdd hd7\"><div class=\"t m2 x210 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Fra 3 mn<span class=\"_ _5\"></span>d.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4116 wdc hd7\"><div class=\"t m2 x44 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x475 y4116 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Uten <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4117 w16f hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1c3 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4117 wdd hd7\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">1 mnd.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4117 wde hd7\"><div class=\"t m2 x28d hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 mnd.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4117 wdd hd7\"><div class=\"t m2 xd9 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4117 wdc hd7\"><div class=\"t m2 xd9 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4117 w128 hd7\"><div class=\"t m2 x20a hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Over 5 <span class=\"_ _5\"></span>\u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x475 y4117 wdd hd7\"><div class=\"t m2 x1a5 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">forfall <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x476 y4117 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4118 w16f h11e\"><div class=\"t m2 x19f hd1 y1dab ff1c2 fs55 fc21 sc0 lsaf wscf\">Eiendeler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4119 w16f hdb\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4119 wdd hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y4119 wde hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y411a w16f hde\"><div class=\"t m2 x19f hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y411a wdd hde\"><div class=\"t m2 x1bc hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">132<span class=\"ls0 ws0\"> </span>107<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y411a wde hde\"><div class=\"t m2 x19b hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>066<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y411a wdd hde\"><div class=\"t m2 x209 hcc y1dc1 ff1c1 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">100</span> </div></td><td></td><td></td><td></td><td class=\"c x476 y411a wde hde\"><div class=\"t m2 x1bc hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>273<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y411b w16f hdb\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y411b wdd hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span>674<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y411b wde hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">143<span class=\"ls0 ws0\"> </span>918<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y411b wdd hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">359<span class=\"ls0 ws0\"> </span>928<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y411b wdc hdb\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">850<span class=\"ls0 ws0\"> </span>534<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y411b w128 hdb\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">400</span> <span class=\"lsab wscb\">26<span class=\"_ _5\"></span>1</span> </div></td><td></td><td class=\"c x476 y411b wde hdb\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">012</span> <span class=\"lsab wscb\">31<span class=\"_ _5\"></span>5</span> </div></td></tr><tr><td class=\"c x45e y411c w16f hda\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y411c wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">78<span class=\"ls0 ws0\"> </span>978<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y411c wde hda\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>864<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y411c wdd hda\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>110<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y411c wdc hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">304<span class=\"ls0 ws0\"> </span>576<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y411c w128 hda\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>278<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y411c wde hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">444<span class=\"ls0 ws0\"> </span>806<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y411d w16f hdb\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x475 y411d wdd hdb\"><div class=\"t m2 x209 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">270</span> </div></td><td class=\"c x476 y411d wde hdb\"><div class=\"t m2 x209 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">270</span> </div></td></tr><tr><td class=\"c x45e y411e w16f hde\"><div class=\"t m2 x19f hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r m.v.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y411e wdd hde\"><div class=\"t m2 x19b hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>704<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y411e wde hde\"><div class=\"t m2 x19b hcc y1dc1 ff1c1 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>704<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y411f w16f hd9\"><div class=\"t m2 x19f hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">Sum<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y411f wdd hd9\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">635<span class=\"ls0 ws0\"> </span>406<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y411f wde hd9\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">204<span class=\"ls0 ws0\"> </span>848<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y411f wdd hd9\"><div class=\"t m2 x1bc hcc y1dae ff1c1 fs53 fc21 sc0 lsab wscb\">403<span class=\"ls0 ws0\"> </span>138<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y411f wdc hd9\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">155</span> <span class=\"lsab wscb\">11<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x474 y411f w128 hd9\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">411</span> <span class=\"lsab wscb\">53<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x475 y411f wdd hd9\"><div class=\"t m2 x209 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">270</span> </div></td><td class=\"c x476 y411f wde hd9\"><div class=\"t m2 x242 hcc y1dae ff1c1 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">812</span> <span class=\"lsab wscb\">31<span class=\"_ _5\"></span>2</span> </div></td></tr><tr><td class=\"c x45e y4120 w16f h16d\"><div class=\"t m2 x19f hd1 y1dc8 ff1c2 fs55 fc21 sc0 lsbc ws103\">Gjeld<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4121 w16f hda\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4121 wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">200<span class=\"ls0 ws0\"> </span>481<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4121 wde hda\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>727<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4121 wdd hda\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>293<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4121 wdc hda\"><div class=\"t m2 x19e hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">120<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4121 w128 hda\"><div class=\"t m2 x209 hcc y1da9 ff1c1 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">854</span> </div></td><td></td><td class=\"c x476 y4121 wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">251<span class=\"ls0 ws0\"> </span>475<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4122 w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4122 wdd hdb\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">374</span> <span class=\"lsab wscb\">48<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x484 y4122 wde hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>277<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4122 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span>427<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x476 y4122 wde hdb\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">503</span> <span class=\"lsab wscb\">19<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x45e y4123 w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4123 wdd hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">77<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4123 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>235<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4123 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">318<span class=\"ls0 ws0\"> </span>872<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4123 wdc hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">370<span class=\"ls0 ws0\"> </span>765<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4123 w128 hdb\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span>245<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4123 wde hdb\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">009</span> <span class=\"lsab wscb\">72<span class=\"_ _5\"></span>5</span> </div></td></tr><tr><td class=\"c x45e y4124 w16f hde\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4124 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>316<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y4124 wde hde\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>316<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4125 w16f hda\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4125 wdd hda\"><div class=\"t m2 x2d7 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4125 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">601<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4125 wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff1c1 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">350</span> </div></td><td class=\"c x473 y4125 wdc hda\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>085<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4125 w128 hda\"><div class=\"t m2 x209 hcc y1da9 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">418</span> </div></td><td></td><td class=\"c x476 y4125 wde hda\"><div class=\"t m2 x19b hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>492<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4126 w16f hdd\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Sum<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4126 wdd hdd\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">716</span> <span class=\"lsab wscb\">93<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x484 y4126 wde hdd\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">212<span class=\"ls0 ws0\"> </span>840<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4126 wdd hdd\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">438<span class=\"ls0 ws0\"> </span>942<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4126 wdc hdd\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">402<span class=\"ls0 ws0\"> </span>970<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4126 w128 hdd\"><div class=\"t m2 x19b hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">96<span class=\"ls0 ws0\"> </span>517<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4126 wde hdd\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">868</span> <span class=\"lsab wscb\">20<span class=\"_ _5\"></span>2</span> </div></td></tr><tr><td class=\"c x45e y4127 w16f h16d\"><div class=\"t m2 x19f hd1 y1dc8 ff1c2 fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e derivater<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4128 w16f hdb\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater br<span class=\"_ _5\"></span>utto oppgj<span class=\"_ _5\"></span>\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4129 w16f hdb\"><div class=\"t m2 x163 hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">Innstr<span class=\"_ _5\"></span>\u00f8mmer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y4129 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">474<span class=\"ls0 ws0\"> </span>123<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y4129 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">469<span class=\"ls0 ws0\"> </span>730<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y4129 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">288<span class=\"ls0 ws0\"> </span>203<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y4129 wdc hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">594<span class=\"ls0 ws0\"> </span>832<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y4129 w128 hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">182<span class=\"ls0 ws0\"> </span>337<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y4129 wde hdb\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">009</span> <span class=\"lsab wscb\">22<span class=\"_ _5\"></span>5</span> </div></td></tr><tr><td class=\"c x45e y412a w16f hda\"><div class=\"t m2 x163 hcc y1db0 ff1c1 fs53 fc21 sc0 lsd0 ws128\">Uts<span class=\"_ _1\"></span>tr\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y412a wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">471<span class=\"ls0 ws0\"> </span>794<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y412a wde hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">461<span class=\"ls0 ws0\"> </span>773<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y412a wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">284<span class=\"ls0 ws0\"> </span>919<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y412a wdc hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">598<span class=\"ls0 ws0\"> </span>597<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x474 y412a w128 hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">190<span class=\"ls0 ws0\"> </span>795<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x476 y412a wde hda\"><div class=\"t m2 x242 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">007</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x45e y412b w16f hde\"><div class=\"t m2 x19f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater net<span class=\"_ _5\"></span>to oppgj<span class=\"_ _5\"></span>\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y412b wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">80<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x484 y412b wde hde\"><div class=\"t m2 x19e hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">707<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x472 y412b wdd hde\"><div class=\"t m2 x20f hcc y1da9 ff1c1 fs53 fc21 sc0 lsab wscb\">(175)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x473 y412b wdc hde\"><div class=\"t m2 x209 hcc y1da9 ff1c1 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">118</span> </div></td><td class=\"c x474 y412b w128 hde\"><div class=\"t m2 x329 hcc y1da9 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">772</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x476 y412b wde hde\"><div class=\"t m2 x1b9 hcc y1da9 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(41)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y412c w16f hd9\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y412c wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">329</span> </div></td><td class=\"c x484 y412c wde hd9\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">957</span> </div></td><td class=\"c x472 y412c wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">284</span> </div></td><td class=\"c x473 y412c wdc hd9\"><div class=\"t m2 x329 hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">765</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x474 y412c w128 hd9\"><div class=\"t m2 x329 hcc y1db0 ff1c1 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">458</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x476 y412c wde hd9\"><div class=\"t m2 x209 hcc y1db0 ff1c1 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">347</span> </div></td></tr><tr><td class=\"c x45e y412d w16f hda\"><div class=\"t m2 x19f hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wsd0\">Kredittram<span class=\"_ _5\"></span>me<span class=\"_ _5\"></span>r, l\u00e5netil<span class=\"_ _5\"></span>sagn og remb<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x483 y412d wdd hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">896<span class=\"ls0 ws0\"> </span>099<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x476 y412d wde hda\"><div class=\"t m2 x1bc hcc y1db0 ff1c1 fs53 fc21 sc0 lsab wscb\">896<span class=\"ls0 ws0\"> </span>099<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-389": {
   "value": "<div class=\"c w73 h147 gs132\"><div class=\"t m2 x20e h12e y277c ff1c9 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2762 ff1c9 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2763 ff1ca fs55 fc21 sc0 lsaf wsf6\">Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av </div><div class=\"t m2 x20e hcf y2764 ff1ca fs55 fc21 sc0 lsaf wsf6\">etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y277d ff1ca fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y277e ff1ca fs55 fc21 sc0 lsaf wsf6\">Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer </div><div class=\"t m2 x20e hcf y20c7 ff1ca fs55 fc21 sc0 lsaf wsf6\">ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x20e he2 y277f ff1ca fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2780 ff1ca fs55 fc21 sc0 lsaf wsf6\">Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span></div><div class=\"t m2 x20e hcf y2781 ff1ca fs55 fc21 sc0 lsaf wsf6\">virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de </div><div class=\"t m2 x20e hcf y20cb ff1ca fs55 fc21 sc0 lsaf wsf6\">p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span></div><div class=\"t m2 x20e hcf y276a ff1ca fs55 fc21 sc0 lsaf wsf6\">engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><span class=\"ls0 ws112\"> </span></div><div class=\"t m2 x20e hcf y276b ff1ca fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y276c ff1ca fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"c w111 h147 gs135\"><div class=\"t m2 x248 hcf y20c1 ff1cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2762 ff1cd fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2763 ff1cc fs55 fc21 sc0 lsaf wscf\">Kredittform<span class=\"_ _5\"></span>idlingsinn<span class=\"wsf6\">tekter omfatt<span class=\"_ _5\"></span>er syndikeringsinnt<span class=\"_ _5\"></span>ekter i form av gebyrer og provi<span class=\"wsd2\">sjoner fra t<span class=\"_ _5\"></span>ransak</span>sjoner hvor DNB arrangerer l\u00e5nene uten </span></div><div class=\"t m2 x248 hcf y2764 ff1cc fs55 fc21 sc0 lsaf wsf6\">selv \u00e5 beholde noen del av l\u00e5net eller deltar i l\u00e5nesyndikat<span class=\"_ _5\"></span>et og mottar en kompensasjon utover den effektive renten som tilfaller \u00f8vrige del<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2765 ff1cc fs55 fc21 sc0 lsaf wsf6\">takere. Gebyrer som ikke inng\u00e5r i effektiv rent<span class=\"_ _5\"></span>eberegning samt provisjoner, inntektsf\u00f8res over tid etter hvert som tj<span class=\"_ _5\"></span>enesten leveres eller p\u00e5 det </div><div class=\"t m2 x248 hcf y2766 ff1cc fs55 fc21 sc0 lsaf wsf6\">tidspunkt<span class=\"_ _5\"></span>et n\u00e5r oppdraget er fullf\u00f8rt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2767 ff1cc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2768 ff1cc fs55 fc21 sc0 lsaf wsf6\">Variable suksess<span class=\"_ _5\"></span>honorarer resultatf\u00f8res kun i den grad det er sv\u00e6rt sannsynlig at en betydelig reversering av kumulative i<span class=\"_ _5\"></span>nntekter ikke finner </div><div class=\"t m2 x248 hcf y2769 ff1cc fs55 fc21 sc0 lsaf wscf\">sted.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y20ca ff1cc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y20cb ff1cc fs55 fc21 sc0 lsaf wsf6\">Honorarer knyttet<span class=\"_ _5\"></span> til kredittformidling, eiendoms<span class=\"_ _5\"></span>megling og corporate financ<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>tjenester inklusive emisjonst<span class=\"_ _5\"></span>jenester, resultatf\u00f8res n\u00e5r </div><div class=\"t m2 x248 hcf y276a ff1cc fs55 fc21 sc0 lsaf wsd2\">transaksj<span class=\"_ _5\"></span>onene er fullf\u00f8<span class=\"_ _5\"></span>rt<span class=\"_ _1c5\"> </span>.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y276b ff1cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y276c ff1cc fs55 fc21 sc0 ls0 ws0\"> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-15": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-404": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span></div>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-427": {
   "value": "Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-439": {
   "value": "Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-445": {
   "value": "Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-454": {
   "value": "Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-457": {
   "value": "Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-462": {
   "value": "Note K18 Ne<span class=\"_ _1\"></span>tto renteinntekter<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Renteinntekter i<span class=\"_ _5\"></span>nntektsf\u00f8res ved bruk av effektiv rentemetode. Dette inneb\u00e6rer l\u00f8pende i<span class=\"_ _5\"></span>nntektsf\u00f8ring av renter med tillegg av amortisering av etablerings<span class=\"_ _5\"></span>gebyrer og eventuelt andre gebyrer som er \u00e5 anse som en integrert del av den effektive renten. <span class=\"ls0 ws0\"> </span>Den effektive rent<span class=\"_ _5\"></span>en fastsettes ved diskontering av kontraktsfest<span class=\"_ _5\"></span>ede kontantstr\u00f8mmer innenfor forventet l\u00f8petid. Kontant<span class=\"lscc ws124\">s<span class=\"_ _5\"></span>tr<span class=\"_ _5\"></span>\u00f8m</span>mene inkluderer ogs\u00e5 etableri<span class=\"_ _5\"></span>ngsgebyrer og direkte transak<span class=\"wscf\">sjons<span class=\"wsd2\">kost<span class=\"_ _5\"></span>nader som ikk<span class=\"_ _5\"></span>e betales <span class=\"_ _5\"></span>direkte av kunden.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></span>Inntektsf<span class=\"_ _5\"></span>\u00f8ring av renter etter effektiv rentemetode benyttes b\u00e5de for balansepost<span class=\"_ _5\"></span>er som m\u00e5les til amortisert kost og balansep<span class=\"wsd2\">oster som m\u00e5les t<span class=\"_ _5\"></span>il </span>virkelig verdi over andre innt<span class=\"_ _5\"></span>ekter og kostnader. For instrumenter m\u00e5lt til<span class=\"_ _5\"></span> virkelig verdi over resultatet, innregnes renter etter hvert<span class=\"_ _5\"></span> som de p\u00e5l\u00f8per i henhold til kontraktsv<span class=\"_ _5\"></span>ilk\u00e5rene. Etableringsgeby<span class=\"_ _5\"></span>rer innregnes umiddelbart og amortiseres ikke. Renteinntekt<span class=\"_ _5\"></span>er p\u00e5 ned<span class=\"wscf\">skrevne </span>engasjement<span class=\"_ _5\"></span>er (gruppe 3) beregnes som effektiv rente av netto nedskrevet verdi.<span class=\"ls0 ws112\"> </span><table class=\"s w32d h4e4\" id=\"_08f42c6a-3678-4266-9bb4-af9d43118aa3\"><tr><td></td><td></td><td class=\"c x464 y412e w147 hd7\"><div class=\"t m2 xbb hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x485 y412e w148 hd7\"><div class=\"t m2 x91 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y412f wdd h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y412f wdc h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x485 y412f w171 h165\"><div class=\"t m2 xd9 hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y412f wdf h165\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x464 y4130 wdd hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4130 wdc hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4130 wdd hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x470 y4130 wde hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4130 wdf hd7\"><div class=\"t m2 x28b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4130 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff1ca fs53 fc21 sc0 lsa7 wsfc\">M\u00e5lt til <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x464 y4131 wdd hd7\"><div class=\"t m2 x247 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x486 y4131 wdc hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4131 wdd hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x485 y4131 w171 hd7\"><div class=\"t m2 x19b hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">over <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x40a y4131 wdf hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">over to<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4131 wde hd7\"><div class=\"t m2 x242 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">amortis<span class=\"_ _5\"></span>ert <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y4132 w170 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1cb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4132 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48a y4133 w32e h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x489 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48c y4133 w32f h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x48b h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x48d y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4132 w171 hd7\"><div class=\"t m2 x266 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48f y4133 w330 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x48e h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x491 y4133 w331 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x490 h121 y3e5e ff1ca fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x492 y4132 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y2786 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter av utl\u00e5<span class=\"_ _5\"></span>n til og fordri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4135 w170 h15d\"><div class=\"t m2 x19f hcc y1dae ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">kreditti<span class=\"_ _5\"></span>nstit<span class=\"_ _5\"></span>usjone<span class=\"_ _5\"></span>r</span><span class=\"ws0\"> </span></div></td><td class=\"c x464 y4135 wdd h15d\"><div class=\"t m2 x2d7 hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>412<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x488 y4135 wde h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4135 wdd h15d\"><div class=\"t m2 x19b hcc y1dae ff1ca fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span>288<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4136 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av utl\u00e5<span class=\"_ _5\"></span>n til k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4136 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">940</span> </div></td><td></td><td class=\"c x487 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">128<span class=\"ls0 ws0\"> </span>589<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4136 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">504</span> </div></td><td></td><td class=\"c x488 y4136 wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">127<span class=\"ls0 ws0\"> </span>599<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4136 wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">129<span class=\"ls0 ws0\"> </span>103<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4137 w170 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>av serti<span class=\"_ _5\"></span>fikat<span class=\"_ _5\"></span>er og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4137 wdd hde\"><div class=\"t m2 x209 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x486 y4137 wdc hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4137 wdd hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>415<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4137 w171 hde\"><div class=\"t m2 x44 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">421</span> </div></td><td class=\"c x40a y4137 wdf hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x492 y4137 wdd hde\"><div class=\"t m2 x19b hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>842<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4138 w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Etableri<span class=\"_ _5\"></span>ngsp<span class=\"_ _5\"></span>rovisjon<span class=\"_ _5\"></span>er m.v<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4138 wdd hda\"><div class=\"t m2 x246 hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">1 </div></td><td></td><td class=\"c x487 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">459<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4138 w171 hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 ls0 ws0\">2 </div></td><td></td><td class=\"c x488 y4138 wde hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">411<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4138 wdd hda\"><div class=\"t m2 x19e hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscb\">414<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4139 w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4139 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">439</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">334</span> </div></td><td class=\"c x48d y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">895</span> </div></td><td class=\"c x485 y4139 w171 hdb\"><div class=\"t m2 x1e5 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">778</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y4139 wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td><td class=\"c x492 y4139 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">908</span> </div></td></tr><tr><td class=\"c x400 y413a w170 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>teinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413a wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">272</span> </div></td><td class=\"c x486 y413a wdc hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span>890<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">176<span class=\"ls0 ws0\"> </span>771<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y413a w171 hd9\"><div class=\"t m2 x44 hdc y1db0 ff1c9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">149</span> </div></td><td class=\"c x40a y413a wdf hd9\"><div class=\"t m2 x19b hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y413a wde hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>983<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y413a wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff1c9 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span>554<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y413b w170 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d til k<span class=\"_ _5\"></span>redittin<span class=\"_ _5\"></span>stitu<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x487 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">844</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413b wde hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413b wdd hd9\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">300</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413c w170 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ca fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5 inns<span class=\"_ _5\"></span>kudd f<span class=\"_ _5\"></span>ra kun<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">868</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">688</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(53<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">556</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413c w171 hda\"><div class=\"t m2 x1e5 hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">165</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x488 y413c wde hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(59<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">077</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413c wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">242</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413d w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413d wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">(872)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(34<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">138</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(35<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">009</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413d w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413d wde hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">383</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413d wdd hdb\"><div class=\"t m2 x1bc hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(44<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y413e w170 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 lsab wsd0\">Renter p\u00e5 ans<span class=\"_ _5\"></span>varlig l\u00e5<span class=\"_ _5\"></span>nekapi<span class=\"_ _5\"></span>tal<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y413e wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(29)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">504</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">532</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y413e w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(42)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y413e wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">186</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413e wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">228</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40d y4134 w73 h147\"><div class=\"t m2 x1b8 hcc y278c ff1ca fs53 fc21 sc0 lsab wscd\">Bidrag ti<span class=\"_ _5\"></span>l innsk<span class=\"_ _5\"></span>uddsg<span class=\"_ _5\"></span>aranti<span class=\"_ _5\"></span><span class=\"lsb2 wsf1\">- </span><span class=\"wscb\">og</span><span class=\"wscb\"> <span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y413f w170 h184\"><div class=\"t m2 x19f hcc y1db0 ff1ca fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa9 wsca\">kri<span class=\"_ _1\"></span>setil<span class=\"_ _1\"></span>taksf<span class=\"_ _1\"></span>ondene<span class=\"ls0 ws0\"> </span></span></div></td><td></td><td></td><td class=\"c x487 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">361</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x488 y413f wde h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x492 y413f wdd h184\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">371</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y4140 w319 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1ca fs53 fc21 sc0 lsab wscb\">Annet</div><div class=\"t m2 x46a h121 y3ebb ff1ca fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x464 y4141 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">906<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x487 y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">643</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x48d y4141 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff1ca fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">737</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x485 y4141 w171 hdb\"><div class=\"t m2 x44 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">872</span> </div></td><td></td><td class=\"c x488 y4141 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1ca fs53 fc21 sc0 lsab wscb\">337<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4141 wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff1ca fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">209</span> </div></td></tr><tr><td class=\"c x400 y4142 w170 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscd\">Sum ren<span class=\"_ _5\"></span>tekost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4142 wdd hd9\"><div class=\"t m2 x329 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">862</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x487 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(110<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">178</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x48d y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(112<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">040</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x485 y4142 w171 hd9\"><div class=\"t m2 x4f hdc y1da9 ff1c9 fs53 fc21 sc0 lsab wscb\">(384)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x488 y4142 wde hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(128<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">979</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td><td class=\"c x492 y4142 wdd hd9\"><div class=\"t m2 x1e5 hdc y1da9 ff1c9 fs53 fc21 sc0 lsb2 wsf1\">(129<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">363</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span></div></td></tr><tr><td class=\"c x400 y4143 w170 hd9\"><div class=\"t m2 x19f hdc y200f ff1c9 fs53 fc21 sc0 lsab wscd\">Netto re<span class=\"_ _5\"></span>nteinn<span class=\"_ _5\"></span>tekt<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x464 y4143 wdd hd9\"><div class=\"t m2 x209 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">410</span> </div></td><td class=\"c x486 y4143 wdc hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>609<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x487 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>712<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48d y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>731<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x485 y4143 w171 hd9\"><div class=\"t m2 x44 hdc y200f ff1c9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">765</span> </div></td><td class=\"c x40a y4143 wdf hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>421<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x488 y4143 wde hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x492 y4143 wdd hd9\"><div class=\"t m2 x19b hdc y200f ff1c9 fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4144 w332 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> 2 53<span class=\"_ _5\"></span>0 milli<span class=\"_ _5\"></span>oner kro<span class=\"_ _5\"></span>ner (</span><span class=\"wscd\">s<span class=\"_ _5\"></span>ammenl<span class=\"_ _5\"></span>iknet m<span class=\"_ _5\"></span>ed </span>3 <span class=\"wscd\">66<span class=\"_ _5\"></span>3 mill<span class=\"_ _5\"></span>ioner i <span class=\"_ _5\"></span>2024</span><span class=\"wscd\">) i<span class=\"_ _5\"></span> rente <span class=\"_ _5\"></span>p\u00e5 de<span class=\"_ _5\"></span>rivater <span class=\"_ _5\"></span>som i r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet e<span class=\"_ _5\"></span>r pres<span class=\"_ _5\"></span>entert<span class=\"_ _5\"></span> som and<span class=\"_ _5\"></span>re<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x414 y4145 w333 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsa9 wsca\">rent<span class=\"_ _1\"></span>einn<span class=\"_ _1\"></span>tekter<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td class=\"c x414 y3ea2 w334 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">2 <span class=\"wscd\">833 mi<span class=\"_ _5\"></span>llioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er (samm<span class=\"_ _5\"></span>enlik<span class=\"_ _5\"></span>net m<span class=\"_ _5\"></span>ed 3<span class=\"ls0 ws0\"> </span>137 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner i 2<span class=\"_ _5\"></span>024). Ink<span class=\"_ _5\"></span>lud<span class=\"_ _5\"></span>erer o<span class=\"_ _5\"></span>gs\u00e5 sik<span class=\"_ _5\"></span>rede po<span class=\"_ _5\"></span>ster.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td class=\"c x421 y4146 w335 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Innt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra fin<span class=\"_ _5\"></span>ansiel<span class=\"_ _5\"></span>le leiea<span class=\"_ _5\"></span>vtal<span class=\"_ _5\"></span>er utgj<span class=\"_ _5\"></span>orde 3<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>699 mi<span class=\"_ _5\"></span>llioner k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> (samm<span class=\"_ _5\"></span>enlikn<span class=\"_ _5\"></span>et med<span class=\"_ _5\"></span> <span class=\"lsd1 ws129\">3 </span>868 m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er i 20<span class=\"_ _5\"></span>24),<span class=\"ls0 ws0\"> </span>og i<span class=\"_ _5\"></span>nnte<span class=\"_ _5\"></span>kter fr<span class=\"_ _5\"></span>a ope<span class=\"_ _5\"></span>rasjonell<span class=\"_ _5\"></span>e l</span>ei<span class=\"_ _5\"></span>eavtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>utgj<span class=\"_ _5\"></span>orde<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x421 y3e64 w336 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1cb fs53 fc21 sc0 lsab wscd\">Annet<span class=\"_ _5\"></span> inkl<span class=\"_ _5\"></span>udere<span class=\"_ _5\"></span>r renteju<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger som<span class=\"_ _5\"></span> f\u00f8lge<span class=\"_ _5\"></span> av re<span class=\"_ _5\"></span>nteswa<span class=\"_ _5\"></span>pper. <span class=\"_ _5\"></span>Derivat<span class=\"_ _5\"></span>er er m<span class=\"_ _5\"></span>\u00e5lt til<span class=\"_ _5\"></span> virkeli<span class=\"_ _5\"></span>g ve<span class=\"_ _5\"></span>rdi ove<span class=\"_ _5\"></span>r resul<span class=\"_ _5\"></span>tatet.</div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-16": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Kredittform<span class=\"_ _5\"></span>idlingsinn<span class=\"wsf6\">tekter omfatt<span class=\"_ _5\"></span>er syndikeringsinnt<span class=\"_ _5\"></span>ekter i form av gebyrer og provi<span class=\"wsd2\">sjoner fra t<span class=\"_ _5\"></span>ransak</span>sjoner hvor DNB arrangerer l\u00e5nene uten </span>selv \u00e5 beholde noen del av l\u00e5net eller deltar i l\u00e5nesyndikat<span class=\"_ _5\"></span>et og mottar en kompensasjon utover den effektive renten som tilfaller \u00f8vrige del<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>takere. Gebyrer som ikke inng\u00e5r i effektiv rent<span class=\"_ _5\"></span>eberegning samt provisjoner, inntektsf\u00f8res over tid etter hvert som tj<span class=\"_ _5\"></span>enesten leveres eller p\u00e5 det tidspunkt<span class=\"_ _5\"></span>et n\u00e5r oppdraget er fullf\u00f8rt.<span class=\"ls0 ws0\"> </span>Variable suksess<span class=\"_ _5\"></span>honorarer resultatf\u00f8res kun i den grad det er sv\u00e6rt sannsynlig at en betydelig reversering av kumulative i<span class=\"_ _5\"></span>nntekter ikke finner sted.<span class=\"ls0 ws0\"> </span>Honorarer knyttet<span class=\"_ _5\"></span> til kredittformidling, eiendoms<span class=\"_ _5\"></span>megling og corporate financ<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>tjenester inklusive emisjonst<span class=\"_ _5\"></span>jenester, resultatf\u00f8res n\u00e5r transaksj<span class=\"_ _5\"></span>onene er fullf\u00f8<span class=\"_ _5\"></span>rt<span class=\"_ _1c5\"> </span>.<span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-405": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K19 Ne<span class=\"_ _1\"></span>tto pro<span class=\"_ _1\"></span>visjonsinntekter<span class=\"_ _1c5\"> </span></div>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Kredittform<span class=\"_ _5\"></span>idlingsinn<span class=\"wsf6\">tekter omfatt<span class=\"_ _5\"></span>er syndikeringsinnt<span class=\"_ _5\"></span>ekter i form av gebyrer og provi<span class=\"wsd2\">sjoner fra t<span class=\"_ _5\"></span>ransak</span>sjoner hvor DNB arrangerer l\u00e5nene uten </span>selv \u00e5 beholde noen del av l\u00e5net eller deltar i l\u00e5nesyndikat<span class=\"_ _5\"></span>et og mottar en kompensasjon utover den effektive renten som tilfaller \u00f8vrige del<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>takere. Gebyrer som ikke inng\u00e5r i effektiv rent<span class=\"_ _5\"></span>eberegning samt provisjoner, inntektsf\u00f8res over tid etter hvert som tj<span class=\"_ _5\"></span>enesten leveres eller p\u00e5 det tidspunkt<span class=\"_ _5\"></span>et n\u00e5r oppdraget er fullf\u00f8rt.<span class=\"ls0 ws0\"> </span>Variable suksess<span class=\"_ _5\"></span>honorarer resultatf\u00f8res kun i den grad det er sv\u00e6rt sannsynlig at en betydelig reversering av kumulative i<span class=\"_ _5\"></span>nntekter ikke finner sted.<span class=\"ls0 ws0\"> </span>Honorarer knyttet<span class=\"_ _5\"></span> til kredittformidling, eiendoms<span class=\"_ _5\"></span>megling og corporate financ<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>tjenester inklusive emisjonst<span class=\"_ _5\"></span>jenester, resultatf\u00f8res n\u00e5r transaksj<span class=\"_ _5\"></span>onene er fullf\u00f8<span class=\"_ _5\"></span>rt<span class=\"_ _1c5\"> </span>.<span class=\"ls0 ws0\"> </span><table class=\"s w337 h4e6\" id=\"_98234f18-3e61-448f-8235-08f8f84c2906\"><tr><td class=\"c x45e y4147 w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1ce fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4147 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4147 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4148 w98 h11f\"><div class=\"t m2 x19f hcc y1dae ff1cc fs53 fc21 sc0 lsab wscd\">Betalin<span class=\"_ _5\"></span>gsform<span class=\"_ _5\"></span>idling <span class=\"_ _5\"></span>og inte<span class=\"_ _5\"></span>rbank<span class=\"_ _5\"></span>provisj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4148 w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff1cc fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">984</span> </div></td><td class=\"c x463 y4148 w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff1cc fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">877</span> </div></td></tr><tr><td class=\"c x45e y4149 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>provisj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4149 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">209</span> </div></td><td class=\"c x463 y4149 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">137</span> </div></td></tr><tr><td class=\"c x45e y414a w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff1cc fs53 fc21 sc0 lsab wscb\">Fondsf<span class=\"_ _5\"></span>orvaltni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y414a w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff1cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">035</span> </div></td><td class=\"c x463 y414a w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff1cc fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">949</span> </div></td></tr><tr><td class=\"c x45e y414b w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirtj<span class=\"_ _5\"></span>enester<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y414b w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">819<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y414b w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">752<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y414c w98 hda\"><div class=\"t m2 x19f hcc y1dae ff1cc fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>piroms<span class=\"_ _5\"></span>etning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y414c w6e hda\"><div class=\"t m2 x248 hcc y1dae ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">473</span> </div></td><td class=\"c x463 y414c w6e hda\"><div class=\"t m2 x0 hcc y1dae ff1cc fs53 fc21 sc0 lsab wscb\">739<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y414d w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscb\">Emisj<span class=\"_ _5\"></span>onsinntek<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y414d w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1cc fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">734</span> </div></td><td class=\"c x463 y414d w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1cc fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">196</span> </div></td></tr><tr><td class=\"c x45e y414e w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff1cc fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>ormidl<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y414e w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1cc fs53 fc21 sc0 lsab wscb\">627<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y414e w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1cc fs53 fc21 sc0 lsab wscb\">497<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y414f w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscd\">Salg av<span class=\"_ _5\"></span> forsik<span class=\"_ _5\"></span>ringspr<span class=\"_ _5\"></span>odukt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y414f w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">738</span> </div></td><td class=\"c x463 y414f w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">518</span> </div></td></tr><tr><td class=\"c x45e y4150 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">Eiendom<span class=\"_ _5\"></span>somset<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4150 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">169</span> </div></td><td class=\"c x463 y4150 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">056</span> </div></td></tr><tr><td class=\"c x45e y4151 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>rovisj<span class=\"_ _5\"></span>onsinn<span class=\"_ _5\"></span>tekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4151 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">250</span> </div></td><td class=\"c x463 y4151 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">578</span> </div></td></tr><tr><td class=\"c x45e y4152 w98 hdb\"><div class=\"t m2 x19f hdc y1db0 ff1cd fs53 fc21 sc0 lsab wscd\">Sum pr<span class=\"_ _5\"></span>ovisj<span class=\"_ _5\"></span>onsinntek<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4152 w6e hdb\"><div class=\"t m2 x1ba hdc y1db0 ff1cd fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>038<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4152 w6e hdb\"><div class=\"t m2 x1ba hdc y1db0 ff1cd fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>298<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4153 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscd\">Betalin<span class=\"_ _5\"></span>gsform<span class=\"_ _5\"></span>idling <span class=\"_ _5\"></span>og inte<span class=\"_ _5\"></span>rbank<span class=\"_ _5\"></span>provisj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4153 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">647</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y4153 w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">466</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4154 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscb\">Garanti<span class=\"_ _5\"></span>provisj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4154 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4154 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(38)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4155 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">Fondsf<span class=\"_ _5\"></span>orvaltni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4155 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">768</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y4155 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">(446)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4156 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirtj<span class=\"_ _5\"></span>enester<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4156 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">(459)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4156 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">(410)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4157 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>piroms<span class=\"_ _5\"></span>etning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4157 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">(157)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4157 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">(123)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4158 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscb\">Emisj<span class=\"_ _5\"></span>onskostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4158 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscb\">(277)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4158 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1cc fs53 fc21 sc0 lsab wscb\">(226)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4159 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscb\">Kredittf<span class=\"_ _5\"></span>ormidl<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4159 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4159 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y415a w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscd\">Salg av<span class=\"_ _5\"></span> forsik<span class=\"_ _5\"></span>ringspr<span class=\"_ _5\"></span>odukt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y415a w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(93)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y415a w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(98)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y415b w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1cc fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>rovisj<span class=\"_ _5\"></span>onskos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y415b w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">184</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y415b w6e hda\"><div class=\"t m2 x19e hcc y1db0 ff1cc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">021</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y415c w98 hde\"><div class=\"t m2 x19f hdc y1da9 ff1cd fs53 fc21 sc0 lsb3 wsf1\">Sum pr<span class=\"_ _5\"></span>ovi<span class=\"_ _5\"></span>sjon<span class=\"_ _5\"></span>skos<span class=\"_ _5\"></span>tnad<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y415c w6e hde\"><div class=\"t m2 x19e hdc y1da9 ff1cd fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">640</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y415c w6e hde\"><div class=\"t m2 x19e hdc y1da9 ff1cd fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">832</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y415d w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1cd fs53 fc21 sc0 lsab wsd0\">Netto pro<span class=\"_ _5\"></span>visjonsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y415d w6e hd9\"><div class=\"t m2 x1ba hdc y1db0 ff1cd fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>398<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y415d w6e hd9\"><div class=\"t m2 x1ba hdc y1db0 ff1cd fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>466<span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-406": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K20 Ne<span class=\"_ _1\"></span>tto gevins<span class=\"_ _1\"></span>ter p\u00e5 finansielle instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w338 h4e7\" id=\"_baef91d8-5080-4b76-9a5d-06e3a2cd23f8\"><tr><td class=\"c x400 y415e w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1d8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y415e w6f hd7\"><div class=\"t m2 x204 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y415e w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y415f w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Valuta o<span class=\"_ _5\"></span>g finans<span class=\"_ _5\"></span>ielle <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y415f w6f hd9\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">785</span> </div></td><td class=\"c x494 y415f w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">950</span> </div></td></tr><tr><td class=\"c x400 y4160 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4160 w6f hda\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">268<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4160 w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">217<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4161 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x493 y4161 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">657<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4161 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">417<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4162 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Andre fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4162 w6f hdb\"><div class=\"t m2 x1b6 hcc y1dae ff1d7 fs53 fc21 sc0 ls0 ws0\">3 </div></td><td></td></tr><tr><td class=\"c x400 y4163 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4163 w6f hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4163 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4164 w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle ins<span class=\"_ _5\"></span>trumen<span class=\"_ _5\"></span>ter, obli<span class=\"_ _5\"></span>gatori<span class=\"_ _5\"></span>sk til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4164 w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">734</span> </div></td><td class=\"c x494 y4164 w6e hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">628</span> </div></td></tr><tr><td class=\"c x40f y4165 w339 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"_ _1\"></span>virkelig verdi</div><div class=\"t m2 x495 h121 y3ebb ff1d7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4166 w6f hdd\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">701<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4166 w6e hdd\"><div class=\"t m2 x249 hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4167 w33a h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x496 h121 y3e5e ff1d7 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4168 w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">605<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4168 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">(140)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4169 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4169 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(263)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4169 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416a w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle ins<span class=\"_ _5\"></span>trumen<span class=\"_ _5\"></span>ter, be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416a w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">043</span> </div></td><td class=\"c x494 y416a w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(154)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416b w71 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater, sik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416b w6f hdd\"><div class=\"t m2 x19e hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y416b w6e hdd\"><div class=\"t m2 x248 hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">074</span> </div></td></tr><tr><td class=\"c x400 y416c w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r til vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span>over t<span class=\"_ _5\"></span>otalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span>, sik<span class=\"_ _5\"></span>ret<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416c w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff1d7 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x494 y416c w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">829<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416d w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, sik<span class=\"_ _5\"></span>ret<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416d w6f hde\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">504<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y416d w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">342</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y416e w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> sikr<span class=\"_ _5\"></span>ede pos<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416e w6f hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(483)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y416e w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(438)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y416f w33b h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>ealisert<span class=\"_ _5\"></span>e gevi<span class=\"_ _5\"></span>nster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansielle <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er til<span class=\"_ _5\"></span> virkel<span class=\"_ _5\"></span>ig ver<span class=\"_ _5\"></span>di over<span class=\"_ _5\"></span> totalr<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x497 h121 y3ebb ff1d7 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4170 w6f hdd\"><div class=\"t m2 x1b6 hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x494 y4170 w6e hdd\"><div class=\"t m2 xf9 hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4171 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Mottatt<span class=\"_ _5\"></span> utbytt<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4171 w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">130<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4171 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4172 w71 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1d6 fs53 fc21 sc0 lsab wsd0\">Netto gevi<span class=\"_ _5\"></span>nster p\u00e5 fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e instr<span class=\"_ _5\"></span>umenter<span class=\"_ _5\"></span> til virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4172 w6f hd9\"><div class=\"t m2 x248 hdc y1da9 ff1d6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">431</span> </div></td><td class=\"c x494 y4172 w6e hd9\"><div class=\"t m2 x248 hdc y1da9 ff1d6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">225</span> </div></td></tr><tr><td class=\"c x3f6 y4173 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4173 w33c h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Endri<span class=\"_ _5\"></span>ngen i <span class=\"_ _5\"></span>virk<span class=\"_ _5\"></span>elig ver<span class=\"_ _5\"></span>di kny<span class=\"_ _5\"></span>ttet til k<span class=\"_ _5\"></span>red<span class=\"_ _5\"></span>ittrisik<span class=\"_ _5\"></span>o utgjo<span class=\"_ _5\"></span>rde e<span class=\"_ _5\"></span>n gevins<span class=\"_ _5\"></span>t p\u00e5</span> <span class=\"lsab wscd\">2<span class=\"_ _5\"></span>4 milli<span class=\"_ _5\"></span>oner kr<span class=\"_ _5\"></span>oner i l<span class=\"_ _5\"></span>\u00f8pet <span class=\"_ _5\"></span>av \u00e5re<span class=\"_ _5\"></span>t og et t<span class=\"_ _5\"></span>ap p\u00e5 <span class=\"_ _5\"></span>49 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kumul<span class=\"_ _5\"></span>ativt. K<span class=\"_ _5\"></span>redit<span class=\"_ _5\"></span>trisik<span class=\"_ _5\"></span>o<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x414 y4174 w33d h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 lsab wscd\">hensynt<span class=\"_ _5\"></span>att ved<span class=\"_ _5\"></span> m\u00e5lin<span class=\"_ _5\"></span>g av vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span>er bas<span class=\"_ _5\"></span>ert p\u00e5<span class=\"_ _5\"></span> normali<span class=\"_ _5\"></span>serte<span class=\"_ _5\"></span> tap og <span class=\"_ _5\"></span>endrin<span class=\"_ _5\"></span>g i norm<span class=\"_ _5\"></span>alisert<span class=\"_ _5\"></span>e tap i<span class=\"_ _5\"></span> den a<span class=\"_ _5\"></span>ktuell<span class=\"_ _5\"></span>e portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"lsa9 wsca\">n.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea2 w33e h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Endri<span class=\"_ _5\"></span>ngen i <span class=\"_ _5\"></span>virk<span class=\"_ _5\"></span>elig ver<span class=\"_ _5\"></span>di kny<span class=\"_ _5\"></span>ttet til <span class=\"_ _5\"></span>endr<span class=\"_ _5\"></span>inger i k<span class=\"_ _5\"></span>reditts<span class=\"_ _5\"></span>pread<span class=\"_ _5\"></span>er ut<span class=\"_ _5\"></span>gjorde <span class=\"_ _5\"></span>en gevi<span class=\"_ _5\"></span>nst</span> <span class=\"lsab wscd\">p\u00e5 <span class=\"_ _5\"></span>58 mill<span class=\"_ _5\"></span>ioner<span class=\"_ _5\"></span> kroner i<span class=\"_ _5\"></span> l\u00f8pet<span class=\"_ _5\"></span> av \u00e5re<span class=\"_ _5\"></span>t og en<span class=\"_ _5\"></span> gevinst<span class=\"_ _5\"></span> p\u00e5 2<span class=\"_ _5\"></span>5 mill<span class=\"_ _5\"></span>ioner k<span class=\"_ _5\"></span>umula<span class=\"_ _5\"></span>tivt.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w33f h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 lsab wscd\">Rekl<span class=\"_ _5\"></span>assifis<span class=\"_ _5\"></span>ert fra <span class=\"_ _5\"></span>total<span class=\"_ _5\"></span>result<span class=\"_ _5\"></span>atet.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-446": {
   "value": "Note K20 Ne<span class=\"_ _1\"></span>tto gevins<span class=\"_ _1\"></span>ter p\u00e5 finansielle instrumenter til virk<span class=\"_ _1\"></span>elig ver<span class=\"_ _1\"></span>di<span class=\"_ _1c5\"> </span><table class=\"s w338 h4e7\" id=\"_baef91d8-5080-4b76-9a5d-06e3a2cd23f8\"><tr><td class=\"c x400 y415e w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1d8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y415e w6f hd7\"><div class=\"t m2 x204 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y415e w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y415f w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Valuta o<span class=\"_ _5\"></span>g finans<span class=\"_ _5\"></span>ielle <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y415f w6f hd9\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">785</span> </div></td><td class=\"c x494 y415f w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">950</span> </div></td></tr><tr><td class=\"c x400 y4160 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4160 w6f hda\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">268<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4160 w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">217<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4161 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x493 y4161 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">657<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4161 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">417<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4162 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Andre fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4162 w6f hdb\"><div class=\"t m2 x1b6 hcc y1dae ff1d7 fs53 fc21 sc0 ls0 ws0\">3 </div></td><td></td></tr><tr><td class=\"c x400 y4163 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4163 w6f hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4163 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">44<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4164 w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle ins<span class=\"_ _5\"></span>trumen<span class=\"_ _5\"></span>ter, obli<span class=\"_ _5\"></span>gatori<span class=\"_ _5\"></span>sk til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4164 w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">734</span> </div></td><td class=\"c x494 y4164 w6e hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">628</span> </div></td></tr><tr><td class=\"c x40f y4165 w339 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"_ _1\"></span>virkelig verdi</div><div class=\"t m2 x495 h121 y3ebb ff1d7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4166 w6f hdd\"><div class=\"t m2 x0 hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wscb\">701<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4166 w6e hdd\"><div class=\"t m2 x249 hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4167 w33a h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x496 h121 y3e5e ff1d7 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4168 w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">605<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4168 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">(140)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4169 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4169 w6f hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(263)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4169 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416a w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansi<span class=\"_ _5\"></span>elle ins<span class=\"_ _5\"></span>trumen<span class=\"_ _5\"></span>ter, be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416a w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff1d7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">043</span> </div></td><td class=\"c x494 y416a w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(154)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416b w71 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1d7 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater, sik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416b w6f hdd\"><div class=\"t m2 x19e hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">762</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y416b w6e hdd\"><div class=\"t m2 x248 hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">074</span> </div></td></tr><tr><td class=\"c x400 y416c w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r til vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi <span class=\"_ _5\"></span>over t<span class=\"_ _5\"></span>otalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span>, sik<span class=\"_ _5\"></span>ret<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416c w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff1d7 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x494 y416c w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">829<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y416d w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, sik<span class=\"_ _5\"></span>ret<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416d w6f hde\"><div class=\"t m2 x0 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">504<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y416d w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">342</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y416e w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinster<span class=\"_ _5\"></span> sikr<span class=\"_ _5\"></span>ede pos<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y416e w6f hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(483)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y416e w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff1d7 fs53 fc21 sc0 lsab wscb\">(438)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y416f w33b h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1d7 fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>ealisert<span class=\"_ _5\"></span>e gevi<span class=\"_ _5\"></span>nster<span class=\"_ _5\"></span> p\u00e5 fin<span class=\"_ _5\"></span>ansielle <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er til<span class=\"_ _5\"></span> virkel<span class=\"_ _5\"></span>ig ver<span class=\"_ _5\"></span>di over<span class=\"_ _5\"></span> totalr<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span>et</div><div class=\"t m2 x497 h121 y3ebb ff1d7 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x493 y4170 w6f hdd\"><div class=\"t m2 x1b6 hcc y1db0 ff1d7 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x494 y4170 w6e hdd\"><div class=\"t m2 xf9 hcc y1db0 ff1d7 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4171 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscd\">Mottatt<span class=\"_ _5\"></span> utbytt<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4171 w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">130<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4171 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff1d7 fs53 fc21 sc0 lsab wscb\">193<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4172 w71 hd9\"><div class=\"t m2 x19f hdc y1da9 ff1d6 fs53 fc21 sc0 lsab wsd0\">Netto gevi<span class=\"_ _5\"></span>nster p\u00e5 fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e instr<span class=\"_ _5\"></span>umenter<span class=\"_ _5\"></span> til virkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4172 w6f hd9\"><div class=\"t m2 x248 hdc y1da9 ff1d6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">431</span> </div></td><td class=\"c x494 y4172 w6e hd9\"><div class=\"t m2 x248 hdc y1da9 ff1d6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">225</span> </div></td></tr><tr><td class=\"c x3f6 y4173 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4173 w33c h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Endri<span class=\"_ _5\"></span>ngen i <span class=\"_ _5\"></span>virk<span class=\"_ _5\"></span>elig ver<span class=\"_ _5\"></span>di kny<span class=\"_ _5\"></span>ttet til k<span class=\"_ _5\"></span>red<span class=\"_ _5\"></span>ittrisik<span class=\"_ _5\"></span>o utgjo<span class=\"_ _5\"></span>rde e<span class=\"_ _5\"></span>n gevins<span class=\"_ _5\"></span>t p\u00e5</span> <span class=\"lsab wscd\">2<span class=\"_ _5\"></span>4 milli<span class=\"_ _5\"></span>oner kr<span class=\"_ _5\"></span>oner i l<span class=\"_ _5\"></span>\u00f8pet <span class=\"_ _5\"></span>av \u00e5re<span class=\"_ _5\"></span>t og et t<span class=\"_ _5\"></span>ap p\u00e5 <span class=\"_ _5\"></span>49 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kumul<span class=\"_ _5\"></span>ativt. K<span class=\"_ _5\"></span>redit<span class=\"_ _5\"></span>trisik<span class=\"_ _5\"></span>o<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td class=\"c x414 y4174 w33d h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 lsab wscd\">hensynt<span class=\"_ _5\"></span>att ved<span class=\"_ _5\"></span> m\u00e5lin<span class=\"_ _5\"></span>g av vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span>er bas<span class=\"_ _5\"></span>ert p\u00e5<span class=\"_ _5\"></span> normali<span class=\"_ _5\"></span>serte<span class=\"_ _5\"></span> tap og <span class=\"_ _5\"></span>endrin<span class=\"_ _5\"></span>g i norm<span class=\"_ _5\"></span>alisert<span class=\"_ _5\"></span>e tap i<span class=\"_ _5\"></span> den a<span class=\"_ _5\"></span>ktuell<span class=\"_ _5\"></span>e portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"lsa9 wsca\">n.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3ea2 w33e h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Endri<span class=\"_ _5\"></span>ngen i <span class=\"_ _5\"></span>virk<span class=\"_ _5\"></span>elig ver<span class=\"_ _5\"></span>di kny<span class=\"_ _5\"></span>ttet til <span class=\"_ _5\"></span>endr<span class=\"_ _5\"></span>inger i k<span class=\"_ _5\"></span>reditts<span class=\"_ _5\"></span>pread<span class=\"_ _5\"></span>er ut<span class=\"_ _5\"></span>gjorde <span class=\"_ _5\"></span>en gevi<span class=\"_ _5\"></span>nst</span> <span class=\"lsab wscd\">p\u00e5 <span class=\"_ _5\"></span>58 mill<span class=\"_ _5\"></span>ioner<span class=\"_ _5\"></span> kroner i<span class=\"_ _5\"></span> l\u00f8pet<span class=\"_ _5\"></span> av \u00e5re<span class=\"_ _5\"></span>t og en<span class=\"_ _5\"></span> gevinst<span class=\"_ _5\"></span> p\u00e5 2<span class=\"_ _5\"></span>5 mill<span class=\"_ _5\"></span>ioner k<span class=\"_ _5\"></span>umula<span class=\"_ _5\"></span>tivt.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w33f h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1d8 fs53 fc21 sc0 lsab wscd\">Rekl<span class=\"_ _5\"></span>assifis<span class=\"_ _5\"></span>ert fra <span class=\"_ _5\"></span>total<span class=\"_ _5\"></span>result<span class=\"_ _5\"></span>atet.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table>Tabellen nedenfor viser den virk<span class=\"_ _5\"></span>elige verdien av finansielle instrumenter til amortis<span class=\"_ _5\"></span>ert kost. Finansielle instrumenter som h<span class=\"wsd2\">ol<span class=\"_ _5\"></span>des til amortisert </span>kost, der den amortiserte kosten er et rimelig ansl<span class=\"_ _5\"></span>ag av den virkelige verdien, er ikke tatt med.<span class=\"ls0 ws0\"> </span><table class=\"s w37e h4fb\" id=\"_1823f3c6-3dd7-4f8f-9440-134a350cefb6\"><tr><td></td><td class=\"c x4d6 y4257 wdd h14b\"><div class=\"t m2 xda hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4d6 y4258 w1ae hd7\"><div class=\"t m2 x188 hcc y1da9 ff237 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d7 y4257 wde h14b\"><div class=\"t m2 x4f hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsc9\">Virkelig <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y4257 wdc h14b\"><div class=\"t m2 xda hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y4258 w1ae hd7\"><div class=\"t m2 x188 hcc y1da9 ff237 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x47d y4257 w128 h14b\"><div class=\"t m2 x4f hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsc9\">Virkelig <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4259 w1ad hd7\"><div class=\"t m2 x19f hd8 y1da9 ff238 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y4259 wdd hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d8 y4259 wde hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y4259 wdf hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d7 y4259 wde hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47b y4259 wdc hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d9 y4259 wdd hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47c y4259 wde hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff237 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47d y4259 w128 hd7\"><div class=\"t m2 x20f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y425a w1ad h11e\"><div class=\"t m2 x19f hd1 y1dab ff236 fs55 fc21 sc0 lsaf wscf\">Eiendeler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y425b w1ad hde\"><div class=\"t m2 x19f hcc y1da9 ff237 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425b wdd hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x4d8 y425b wde hde\"><div class=\"t m2 x267 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">914</span> <span class=\"lsab wscb\">338</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y425b wdf hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">448</span> <span class=\"lsab wscb\">46<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x4d7 y425b wde hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">362</span> <span class=\"lsab wscb\">80<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x47b y425b wdc hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x4d9 y425b wdd hde\"><div class=\"t m2 x267 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">881</span> <span class=\"lsab wscb\">860</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47c y425b wde hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">321</span> <span class=\"lsab wscb\">89<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x47d y425b w128 hde\"><div class=\"t m2 x210 hcc y1da9 ff237 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">203</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x3db y425c w1ad h1e7\"><div class=\"t m2 x19f hd1 y1dab ff236 fs55 fc21 sc0 lsbc ws103\">Gjeld<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y425d w1ad hde\"><div class=\"t m2 x19f hcc y1dc1 ff237 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425d wdd hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">781</span> <span class=\"lsab wscb\">897</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d8 y425d wde hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">775</span> <span class=\"lsab wscb\">186</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y425d wdf hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">992</span> </div></td><td class=\"c x4d7 y425d wde hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">782</span> <span class=\"lsab wscb\">178</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47b y425d wdc hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">851</span> <span class=\"lsab wscb\">025</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d9 y425d wdd hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">848</span> <span class=\"lsab wscb\">895</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47c y425d wde hde\"><div class=\"t m2 x247 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">708</span> </div></td><td class=\"c x47d y425d w128 hde\"><div class=\"t m2 x267 hcc y1dc1 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">849</span> <span class=\"lsab wscb\">603</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y425e w1ad hdb\"><div class=\"t m2 x19f hcc y1db0 ff237 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425e wdd hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">110</span> <span class=\"lsab wscb\">707</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d8 y425e wde hdb\" colspan=\"2\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">999</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d7 y425e wde hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">109</span> <span class=\"lsab wscb\">999</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47b y425e wdc hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">708</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d9 y425e wdd hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">335</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x47d y425e w128 hdb\"><div class=\"t m2 x267 hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">335</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y425f w1ad hda\"><div class=\"t m2 x19f hcc y1db0 ff237 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d6 y425f wdd hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">903</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d8 y425f wde hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">364</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x437 y425f wdf hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">217</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d7 y425f wde hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">582</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47b y425f wdc hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">35</span> <span class=\"lsab wscb\">169</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4d9 y425f wdd hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">541</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47c y425f wde hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">21</span> <span class=\"lsab wscb\">212</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x47d y425f w128 hda\"><div class=\"t m2 x4f hcc y1db0 ff237 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">753</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table>Se note K29 Finansielle instrumenter til virk<span class=\"_ _5\"></span>elig verdi for en generell definisjon av niv\u00e5ene i virkelig verdihierarki<span class=\"_ _5\"></span>et. <span class=\"ls0 ws0\"> </span>Utl\u00e5n til k<span class=\"_ _1\"></span>under (niv\u00e5 2 og 3)<span class=\"ls0 ws0\"> </span>Utl\u00e5n til kunder i niv\u00e5 2 best\u00e5r i hovedsak av personmarkedsl\u00e5n med flytende rente som er m\u00e5lt til amortisert kost. P\u00e5 grunn <span class=\"lsbd ws117\">av<span class=\"_ _5\"></span> de<span class=\"_ _5\"></span>n sv\u00e6<span class=\"_ _5\"></span>r<span class=\"_ _5\"></span>t k<span class=\"_ _5\"></span>ort<span class=\"_ _5\"></span>e </span>rente<span class=\"wsf6\">bindings<span class=\"_ _5\"></span>tiden er amortisert kost vurdert \u00e5 v\u00e6re et godt estimat p\u00e5 virkelig verdi. Alle andre utl\u00e5n som er<span class=\"ls0 ws0\"> </span>m\u00e5lt til amortisert kost er </span>kl<span class=\"_ _5\"></span>ass<span class=\"_ _5\"></span>ifis<span class=\"_ _5\"></span>ert<span class=\"_ _5\"></span> i niv<span class=\"_ _5\"></span>\u00e5 3.<span class=\"ls0 ws0\"> </span>Vurderingen av l\u00e5n i niv\u00e5 3 har tatt utgangspunkt i gjennoms<span class=\"_ _5\"></span>nittsmarginene i desember, og disse er vurdert opp mot beste anslag p\u00e5 hva margin<span class=\"wsf6\">krav<span class=\"_ _5\"></span>et ville v\u00e6rt ved utgangen av 2025 dersom l\u00e5nene hadde v\u00e6rt gitt p\u00e5 det tidspunktet. Det er beregnet differens<span class=\"wsd2\">iert<span class=\"_ _5\"></span>e marginkrav for </span></span>hver utl\u00e5nsport<span class=\"_ _5\"></span>ef\u00f8lje.<span class=\"ls0 ws0\"> </span>For marginl\u00e5nene kalk<span class=\"_ _5\"></span>uleres et marginkrav, og forskjellen mellom marginkravet og avtalt margin neddisk<span class=\"_ _5\"></span>onteres over gjennomsnittlig f<span class=\"_ _5\"></span>orv<span class=\"wscf\">entet </span>tid til<span class=\"_ _5\"></span> reprising.<span class=\"_ _1c5\"> </span>Verdipap<span class=\"_ _5\"></span>irgjeld, et<span class=\"_ _5\"></span>terstil<span class=\"_ _5\"></span>te senio<span class=\"_ _5\"></span>roblig<span class=\"_ _5\"></span>asjoner o<span class=\"_ _5\"></span>g a<span class=\"_ _5\"></span>nsvarlig l\u00e5n<span class=\"_ _5\"></span>ekapit<span class=\"_ _5\"></span>al (niv\u00e5 <span class=\"_ _5\"></span>2 og 3)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Verdivurderingen i<span class=\"_ _5\"></span> niv\u00e5 2 baseres p\u00e5 observerbar markedsinformasjon i form av rentekurver og kredittmarginer der det<span class=\"_ _5\"></span> er tilgj<span class=\"wsd2\">engelig, mens<span class=\"_ _5\"></span> </span>verdsettelsen i niv<span class=\"_ _5\"></span>\u00e5 3 er basert p\u00e5 <span class=\"_ _1\"></span>modeller.<span class=\"_ _5\"></span> Postene best\u00e5r i hovedsak av innl\u00e5n i valuta<span class=\"ls0 ws0\"> </span>og verdipapirgjeld i norsk<span class=\"_ _5\"></span>e kroner med flytende rente<span class=\"lsbc ws103\">. </span><span class=\"lsbc ws103\"><span class=\"ls0 ws0\"> </span></span>Note K28 Virk<span class=\"_ _2\"></span>elig verdi a<span class=\"_ _1\"></span>v finansielle instrumenter til amortisert k<span class=\"_ _1\"></span>ost<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Fastsettelse <span class=\"_ _5\"></span>av virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi er den pris som <span class=\"_ _1\"></span>vil<span class=\"_ _5\"></span>le blitt oppn\u00e5dd ved salg av en eiendel eller betalt for \u00e5 overf\u00f8re en forpliktels<span class=\"_ _5\"></span>e i en velordnet transaksjon mellom m<span class=\"_ _5\"></span>arkedsdeltakere p\u00e5 m<span class=\"_ _5\"></span>\u00e5letidspunktet. F<span class=\"_ _5\"></span>inan<span class=\"wsf6\">sielle eiendel<span class=\"_ _5\"></span>er og forpliktelser i aktive markeder verdsett<span class=\"_ _5\"></span>es til den prisen som er innenfor </span>kj\u00f8p<span class=\"_ _1\"></span>skur<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-<span class=\"lsaf wscf\">/salgskurs<span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">marginen, og som er mest representativ for virkelig verdi p\u00e5 m\u00e5letidspunktet<span class=\"_ _5\"></span>. I de fleste tilfeller utgj\u00f8r kj\u00f8ps<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>algskurser </span></span></span>for disse instrument<span class=\"_ _5\"></span>ene den mest <span class=\"_ _1\"></span>represent<span class=\"_ _5\"></span>ative prisen for henholdsvis ei<span class=\"_ _5\"></span><span class=\"wsd2\">endeler og for<span class=\"lsbe ws10b\">p<span class=\"_ _5\"></span>lik<span class=\"_ _5\"></span>t</span><span class=\"wscf\">elser. <span class=\"ls0 ws0\"> </span></span></span>Direkte observ<span class=\"_ _5\"></span>erbare priser i markedet brukes i s\u00e5 stor utstrekning som mulig til \u00e5 fastsette virkelig verdi. Verdsettels<span class=\"_ _5\"></span>ene for de ulike typene finansi<span class=\"_ _5\"></span>elle instrumenter er basert p\u00e5 anerkjente metoder og modeller. Prisene og inputparamet<span class=\"_ _5\"></span>erne som benyttes, kontrolleres og vurderes basert p\u00e5 etablerte rutiner og kont<span class=\"_ _5\"></span>rollprosedyrer.<span class=\"ls0 ws0\"> </span>Kontrollmil<span class=\"_ _5\"></span>j\u00f8et knyttet til virkelig verdim\u00e5li<span class=\"_ _5\"></span>ng av finansielle instrumenter er en integrert del av selskapets regnsk<span class=\"_ _5\"></span>aps<span class=\"lsc1 wsce\">rap</span><span class=\"wscf\">por</span>tering.<span class=\"_ _5\"></span> Det utf\u00f8res en rekke kontroller p\u00e5 dagli<span class=\"_ _5\"></span>g basis, herunder kontroll av dag \u00e9n gevinst eller tap p\u00e5 handlede posisjoner samt kontroll av input<span class=\"_ _5\"></span>parameter som er sentrale i verdsettelsen.<span class=\"_ _5\"></span> Ved m\u00e5neds og k<span class=\"_ _1\"></span>vart<span class=\"_ _5\"></span>alsslutt blir det utf\u00f8rt utvidede kont<span class=\"_ _5\"></span>roller for \u00e5 sikre at verdsettelsene er i tr\u00e5d med prinsippene for m\u00e5ling av virkelig verdi i<span class=\"_ _5\"></span>nklusive endringsanalyser. Det gis spesiell oppmerk<span class=\"_ _5\"></span>somhet til verdsettelser i niv\u00e5 3 i verdsettelses<span class=\"_ _5\"></span>hierarkiet der effektene kan v\u00e6re vesentlige el<span class=\"_ _5\"></span>ler s\u00e6rlig utfordrende. <span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som omsettes i et aktivt marked <span class=\"ls0 ws0\"> </span>For instrument<span class=\"_ _5\"></span>er som handles i et aktivt marked, benyttes den noterte prisen innhentet fra enten en b\u00f8rs, en megler eller et <span class=\"lsbe ws10b\">pris<span class=\"_ _5\"></span></span><span class=\"wscf\">settingsbyr\u00e5.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>Markedet er aktivt dersom det er mulig \u00e5 framskaffe eksterne observerbare pris<span class=\"_ _5\"></span>er, kurser eller renter og disse prisene repre<span class=\"wscf\">sen<span class=\"wsd2\">terer f<span class=\"_ _5\"></span>aktiske <span class=\"_ _5\"></span>og </span></span>hyppige markedstrans<span class=\"_ _5\"></span>aksjoner.<span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som ikke omsettes i et aktivt marked<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter som ikke omsettes i aktive markeder, verdsettes bas<span class=\"_ _5\"></span>ert p\u00e5 ulike verdsettelsesteknikk<span class=\"_ _5\"></span>er og deles inn i to <span class=\"_ _1\"></span>kat<span class=\"_ _5\"></span>egorier:<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">nylig observ<span class=\"_ _5\"></span>erte transaksjoner i det aktuelle instrumentet mellom inf<span class=\"_ _5\"></span>ormerte, villige og uavhengige parter</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter handlet i et aktivt marked som substansielt er likt det instrumentet som verdsettes</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">andre verdsettels<span class=\"_ _5\"></span>esteknikker hvor de vesentligste parametrene er basert<span class=\"_ _5\"></span> p\u00e5 observerbare markedsdata</span> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 annet enn observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">estimert<span class=\"_ _5\"></span>e kontantstr\u00f8mmer</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">vurdering av eiendeler og gj<span class=\"_ _5\"></span>eld i selskaper</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">modeller hv<span class=\"_ _5\"></span>or vesentlige parameter ikke er basert p\u00e5 observerbare markedsdata </span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">eventuell<span class=\"_ _5\"></span>e bransjestandarder</span> </span>I verdsettelsen av OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater er det en justering av virkelig verdi for motpartens kredittris<span class=\"_ _5\"></span>iko (CVA) og for konsernets egen kredittrisiko (DVA). I tillegg er det en justering for den forventede finans<span class=\"_ _5\"></span>ieringskostnaden (FVA). Justeringer er foretatt<span class=\"_ _5\"></span> basert p\u00e5 nettoeksponeringen mot hver motpart for CVA og DVA, samt mot finansieringsgrupper for FVA. <span class=\"ls0 ws0\"> </span>Konsernet estim<span class=\"_ _5\"></span>erer CVA som en funksjon av en simulert forventet positiv eksponering, sannsynli<span class=\"_ _5\"></span>gheten for motpartens mislighold (probabili<span class=\"_ _5\"></span>ty of default, PD) og tapsgrad gitt mislighol<span class=\"_ _5\"></span>d (loss given default, LGD). Intern rating er kombinert med historiske spreader fra credit default<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>swapper (CDS), samt gjel<span class=\"_ _5\"></span>dende CDS<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">indekspriser for <span class=\"_ _5\"></span>\u00e5 estimere mot<span class=\"_ _5\"></span></span>partens CDS<span class=\"ls0 ws0\">-</span>spread. Dett<span class=\"_ _5\"></span>e betyr at <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet utnytter sine egne kredittmodel<span class=\"_ _5\"></span>ler og deres range<span class=\"ls0 ws0\">r</span>ingsevne, men kalibrerer mot prisniv\u00e5er for til<span class=\"lsc5 ws130\">sv<span class=\"_ _5\"></span>ar</span><span class=\"wsd2\">ende kredit<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">r</span></span>isiko i markedet. For kunder klassifisert i gruppe 3 p\u00e5 grunn av forventet kredittap, er CVA beregnet som om derivatene var gjenstand for nedskriv<span class=\"_ _5\"></span>ning som f\u00f8lge av kredittap. DVA<span class=\"ls0 ws0\"> </span>er basert p\u00e5 samme tiln\u00e6rming som CVA, der en vurdering av DNBs kredittspread<span class=\"ls0 ws0\"> </span>er brukt.<span class=\"ls0 ws0\"> </span>FVA gjenspeiler n\u00e5v<span class=\"_ _5\"></span>erdien av forventet framtidig finansi<span class=\"_ _5\"></span>eringskostnad knyttet til eksponeri<span class=\"_ _5\"></span>ngen for usikrede derivater. Den beregnes ved \u00e5 an<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>vende en finansieri<span class=\"_ _5\"></span>ngsmargin over den forventede eksponeringen. Det beregnes ikke finansierings<span class=\"_ _5\"></span>fordel for de posisjoner det er beregnet DVA for. <span class=\"ls0 ws0\"> </span>For finansiell<span class=\"_ _5\"></span>e instrumenter som m\u00e5les ved bruk av en verdsettelsesteknikk, kan en gevinst eller et tap fra tid til annen oppst\u00e5 n\u00e5r den estimerte virkelige verdien er f<span class=\"_ _5\"></span>orskjellig fra transaksjons<span class=\"_ _5\"></span>prisen. N\u00e5r m\u00e5lingen er basert p\u00e5 ikke<span class=\"ls0 ws0\">-</span>observerbare input<span class=\"wscf\">para</span>meter (niv\u00e5 3), er gevinst<span class=\"_ _5\"></span>en eller tapet utsatt og derfor ikke innregnet p\u00e5 dag \u00e9n. Endringer i virkelig verdi p\u00e5 et senere tids<span class=\"_ _5\"></span>punkt er kun innregnet i den grad dette skyldes forhold som markedsakt\u00f8rer vil<span class=\"_ _5\"></span>le tatt i betraktning.<span class=\"_ _1c5\"> </span>Note K29 Finansielle ins<span class=\"_ _1\"></span>trumenter til virk<span class=\"_ _1\"></span>elig verdi<span class=\"_ _1c5\"> </span><table class=\"s w37f h4fc\" id=\"_5c546759-aac1-4aed-92c5-6df619ba6ccd\"><tr><td class=\"c x400 y4260 w152 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff244 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4260 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 1 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4260 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4260 w6f hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4260 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff243 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4261 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4262 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y4262 w6f h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4262 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4263 w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4263 w6e h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">636</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4c5 y4263 w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">327</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4263 w6f h154\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x494 y4263 w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">515</span> <span class=\"lsab wscb\">716</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4264 w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td></td><td class=\"c x4c4 y4264 w6e h154\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">101</span> </div></td><td class=\"c x4c5 y4264 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">767</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4264 w6f h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4264 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">37</span> <span class=\"lsab wscb\">051</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4265 w152 h135\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4265 w6e h135\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">239</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4265 w6e h135\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">239</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4266 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4266 w6e h1eb\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">602</span> </div></td><td class=\"c x4c5 y4266 w6e h1eb\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">123</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4266 w6f h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">114</span> </div></td><td class=\"c x494 y4266 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">101</span> <span class=\"lsab wscb\">839</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4267 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4268 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4268 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4268 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4269 w152 h154\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4269 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">267</span> </div></td><td></td><td class=\"c x494 y4269 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">267</span> </div></td></tr><tr><td class=\"c x400 y426a w152 h135\"><div class=\"t m2 x19f hcc y2401 ff243 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426a w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">769</span> </div></td><td></td><td class=\"c x494 y426a w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">769</span> </div></td></tr><tr><td class=\"c x400 y426b w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426b w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">123</span> </div></td><td></td><td class=\"c x494 y426b w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">123</span> </div></td></tr><tr><td class=\"c x400 y426c w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, kun<span class=\"_ _5\"></span>der b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426c w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">788</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y426c w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">788</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y426d w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y426d w6e h135\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x4c5 y426d w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">765</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y426d w6f h135\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">826</span> </div></td><td class=\"c x494 y426d w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">102</span> <span class=\"lsab wscb\">035</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40f y426e w380 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff243 fs53 fc21 sc0 lsab wscd\">Annen fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4da h121 y3ebb ff243 fs58 fc21 sc0 ls0 ws0\">1</div></td><td></td><td class=\"c x4c4 y426f w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x4c5 y426f w6e h154\"><div class=\"t m2 x134 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td><td class=\"c x494 y426f w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">076</span> </div></td></tr><tr><td class=\"c x400 y4270 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4271 w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y4271 w6f h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4271 w6e h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4272 w152 h154\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4272 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x4c5 y4272 w6e h154\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">550</span> <span class=\"lsab wscb\">280</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4272 w6f h154\"><div class=\"t m2 x1b5 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x494 y4272 w6e h154\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">558</span> <span class=\"lsab wscb\">309</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4273 w152 h135\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td></td><td class=\"c x4c4 y4273 w6e h135\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">369</span> </div></td><td class=\"c x4c5 y4273 w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">818</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4273 w6f h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4273 w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">107</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4274 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4274 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">196</span> <span class=\"lsab wscb\">419</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4274 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">196</span> <span class=\"lsab wscb\">419</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4275 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4275 w6e h135\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x4c5 y4275 w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">085</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4275 w6f h135\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">434</span> </div></td><td class=\"c x494 y4275 w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">141</span> <span class=\"lsab wscb\">144</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4276 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4277 w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4277 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4277 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4278 w152 h135\"><div class=\"t m2 x19f hcc y2401 ff243 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4278 w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">740</span> </div></td><td></td><td class=\"c x494 y4278 w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">740</span> </div></td></tr><tr><td class=\"c x400 y4279 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4279 w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">776</span> </div></td><td></td><td class=\"c x494 y4279 w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">776</span> </div></td></tr><tr><td class=\"c x400 y427a w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y427a w6e h154\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">100</span> </div></td><td></td><td class=\"c x494 y427a w6e h154\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">100</span> </div></td></tr><tr><td class=\"c x400 y427b w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, kun<span class=\"_ _5\"></span>der b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y427b w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">202</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y427b w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">202</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y427c w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y427c w6e h154\"><div class=\"t m2 x1b5 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">885</span> </div></td><td class=\"c x4c5 y427c w6e h154\"><div class=\"t m2 x20f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">114</span> <span class=\"lsab wscb\">054</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y427c w6f h154\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">093</span> </div></td><td class=\"c x494 y427c w6e h154\"><div class=\"t m2 x20f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">032</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40f y427d w380 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff243 fs53 fc21 sc0 lsab wscd\">Annen fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4da h121 y3ebb ff243 fs58 fc21 sc0 ls0 ws0\">1</div></td><td></td><td class=\"c x4c4 y427e w6e h135\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x4c5 y427e w6e h135\"><div class=\"t m2 x134 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td></td><td class=\"c x494 y427e w6e h135\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">759</span> </div></td></tr><tr><td class=\"c x3f6 y429d w381 h4fd\"><div class=\"t m2 x3f4 hd8 y427f ff244 fs53 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 he2 y4280 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12e y4281 ff242 fs5a fc21 sc0 lsc0 ws109\">Niv\u00e5ene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4282 ff243 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter innplasseres i ulik<span class=\"_ _5\"></span>e niv\u00e5er basert p\u00e5 graden av observerbarhet i markedsdata for den enkelte type instrument. Over<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4283 ff243 fs55 fc21 sc0 lsaf wsf6\">f\u00f8ringer mellom niv<span class=\"_ _5\"></span>\u00e5ene i virkelig verdi hierarkiet anses \u00e5 ha skjedd ved utgangen av hvert kvartal. For finansiell<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> <span class=\"lsc5 ws130\">instru</span></span>m<span class=\"_ _5\"></span>enter i niv\u00e5 2 kan </div><div class=\"t m2 x3f4 hcf y4284 ff243 fs55 fc21 sc0 lsaf wsf6\">graden av observerbarhet i mark<span class=\"_ _5\"></span>edsdata variere avhengig av hvorvidt det har v\u00e6rt omsetning for det aktuell<span class=\"_ _5\"></span>e instrumentet. Det vil derfor v\u00e6re </div><div class=\"t m2 x3f4 hcf y4285 ff243 fs55 fc21 sc0 lsaf wsf6\">naturlig at noen instrum<span class=\"_ _5\"></span>enter flyttes mellom niv\u00e5 2 og 3. Dette gjelder i hovedsak se<span class=\"wsd2\">rtifikater og s<span class=\"_ _5\"></span>tatsobligasjoner.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y4286 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y4287 ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 1:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 note<span class=\"_ _5\"></span>rte pris<span class=\"_ _5\"></span>er i akti<span class=\"_ _5\"></span>vt marke<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4288 ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 1 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som verdsettes ved bruk av noterte priser i aktive markeder for identiske eiendel<span class=\"_ _5\"></span>er eller for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4289 ff243 fs55 fc21 sc0 lsaf wsf6\">plikt<span class=\"_ _5\"></span>elser. I kategorien inng\u00e5r blant annet b\u00f8rsnoterte aksjer og fondsandeler, samt sertifik<span class=\"_ _5\"></span>ater og statsobligasjoner som omsettes i aktive </div><div class=\"t m2 x3f4 hcf y428a ff243 fs55 fc21 sc0 lsaf wscf\">markeder.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y428b ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y428c ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 2:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 obse<span class=\"_ _5\"></span>rverbar<span class=\"_ _5\"></span>e marke<span class=\"_ _5\"></span>dsdata<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y428d ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 2 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som verdsettes ved bruk av informasjon som ikke er noterte priser, men hvor priser er direkt<span class=\"_ _5\"></span>e eller </div><div class=\"t m2 x3f4 hcf y428e ff243 fs55 fc21 sc0 lsaf wsf6\">indirekt<span class=\"_ _5\"></span>e observerbare for eiendelene eller forplikt<span class=\"_ _5\"></span>elsene, inkludert noterte priser i ikke aktive markeder for i<span class=\"_ _5\"></span>dentiske eiendeler eller forpliktel<span class=\"_ _5\"></span>ser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y428f ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4290 ff243 fs55 fc21 sc0 lsaf wsf6\">I kategorien inng\u00e5r bl<span class=\"_ _5\"></span>ant annet interbankderivater som renteswapper, v<span class=\"_ _5\"></span>alutaswapper og terminkontrakter med prisnoteri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"wsd2\">Reuters eller </span></div><div class=\"t m2 x3f4 hcf y4291 ff243 fs55 fc21 sc0 lsaf wsf6\">Bloomberg, basisswapper mel<span class=\"_ _5\"></span>lom valutaslagene NOK, EUR, USD og GBP og rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og valutaderivat<span class=\"_ _5\"></span>er mot kunder <span class=\"_ _5\"></span>med uvesentlig k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y4292 ff243 fs55 fc21 sc0 lsaf wsf6\">margin. B\u00f8rsnotert<span class=\"_ _5\"></span>e opsjoner innplasseres i niv\u00e5 2 dersom det er mulig \u00e5 avlese eller inter<span class=\"ls0 ws0\">-</span>/ekstrapolere im<span class=\"_ _5\"></span>plisitt volatilitet med utgangs<span class=\"_ _5\"></span>punkt i </div><div class=\"t m2 x3f4 hcf y4293 ff243 fs55 fc21 sc0 lsaf wsf6\">observerbare pris<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y4294 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y4295 ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 3:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 anne<span class=\"_ _5\"></span>t enn obse<span class=\"_ _5\"></span>rverbar<span class=\"_ _5\"></span>e marke<span class=\"_ _5\"></span>dsdat<span class=\"_ _5\"></span>a<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4296 ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 3 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som ikke kan verdsettes basert p\u00e5 direkte eller indirekte observ<span class=\"_ _5\"></span>erbare priser.<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">For s<span class=\"_ _5\"></span>like instrument<span class=\"_ _5\"></span>er </span></div><div class=\"t m2 x3f4 hcf y4297 ff243 fs55 fc21 sc0 lsaf wsf6\">benyttes blant annet vurdering av eiendeler og gjeld i selskaper,<span class=\"_ _5\"></span> estimerte kontantstr\u00f8mmer og andre verdse<span class=\"wsd2\">ttelsesmodell<span class=\"_ _5\"></span>er der ves<span class=\"_ _5\"></span>entlige </span></div><div class=\"t m2 x3f4 hcf y4298 ff243 fs55 fc21 sc0 lsaf wscf\">para<span class=\"wsf6\">metere bygger p\u00e5 ikke<span class=\"ls0 ws0\">-</span>obs<span class=\"_ _5\"></span>erverbar input. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y4299 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y429a ff243 fs55 fc21 sc0 lsaf wsf6\">I kategorien inng\u00e5r bl<span class=\"_ _5\"></span>ant annet utl\u00e5n til kunder og instrumenter hvor kredittmarginer ut<span class=\"_ _5\"></span>gj\u00f8r en vesentlig del av justeringen til markedsverdi.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y429b ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y429c ff243 fs55 fc21 sc0 lsaf wsf6\">Gevinst eller t<span class=\"_ _5\"></span>ap som oppst\u00e5r n\u00e5r estimert virkelig verdi er forskjellig fra trans<span class=\"_ _5\"></span>aksjonsprisen (dag<span class=\"ls0 ws0\">-</span>en gevinst/ tap) har ikke hatt vesentlig effekt<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41de ff243 fs55 fc21 sc0 lsaf wsf6\">i regnskapet for hverken 20<span class=\"ls0 ws0\">2</span>5 eller 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">4.</span><span class=\"wscf\"> </span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 hcf y41df ff243 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></td><td class=\"c x410 y3e64 w382 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff244 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscb\">Short<span class=\"_ _5\"></span></span>-<span class=\"lsab wscd\">posisj<span class=\"_ _5\"></span>oner k<span class=\"_ _5\"></span>nyttet<span class=\"_ _5\"></span> til tra<span class=\"_ _5\"></span>dingvi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet</span><span class=\"lsab wscd\">.</span> </div></td><td></td><td></td><td></td><td></td></tr></table>Instrumen<span class=\"_ _5\"></span>tene i d<span class=\"_ _5\"></span>e ulike <span class=\"_ _5\"></span>niv\u00e5ene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Utl\u00e5<span class=\"_ _5\"></span>n til kunder (niv<span class=\"_ _5\"></span>\u00e5 3)<span class=\"ls0 ws0\"> </span>Utl\u00e5nene best\u00e5r i hoveds<span class=\"_ _5\"></span>ak av fastrenteutl\u00e5n i norske kroner. Verdien av fastrenteutl\u00e5nene f<span class=\"_ _5\"></span>astsettes ved at avtalte kontantstr\u00f8mmer ned<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>diskonteres over l\u00f8pet<span class=\"_ _5\"></span>iden med en diskonteringsfaktor som er justert for marginkrav<span class=\"_ _5\"></span>. Diskonteringsfaktoren som benytt<span class=\"_ _5\"></span>es tar utgangspunkt i en swaprente med en l\u00f8petid som tilsvarer gjennom<span class=\"_ _5\"></span>snittlig gjenv\u00e6rende bindingst<span class=\"_ _5\"></span>id p\u00e5 de aktuelle fastrenteutl\u00e5nene. F<span class=\"_ _5\"></span>orutsetninger for beregning av marginkravet er basert p\u00e5 en vurdering av markedsforholdene p\u00e5 bal<span class=\"_ _5\"></span>ansedagen og p\u00e5 en vurdering av hva en ekstern investor ville lagt til grunn ved investering i tilsvarende port<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span>Sertif<span class=\"_ _5\"></span>ikater og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner (niv\u00e5 2 og 3)<span class=\"ls0 ws0\"> </span>Verdivurderingen i<span class=\"_ _5\"></span> niv\u00e5 2 baseres i hovedsak p\u00e5 observerbar markedsinformasjon i form av rentekurver, valutakurs<span class=\"_ _5\"></span>er og kreditt<span class=\"wsd2\">marginer til<span class=\"_ _5\"></span> den </span>enkelte kreditt<span class=\"_ _5\"></span> og obligasjonens eller sertifikatets karakteris<span class=\"_ _5\"></span>tika. For papirer vurdert under niv\u00e5 3 baseres verdsettelsen p\u00e5 indik<span class=\"_ _5\"></span>ative priser fra tredje<span class=\"wsf6\">part ell<span class=\"_ _5\"></span>er sammenliknbare papirer. Investeringene i niv\u00e5 3 best\u00e5r i hovedsak av selskapsobligasjoner med begrens<span class=\"_ _5\"></span>et likviditet<span class=\"ls0 ws0\">. </span></span>Aksjer<span class=\"_ _1\"></span> inkl<span class=\"_ _1\"></span>usiv<span class=\"_ _1\"></span>e andel<span class=\"_ _1\"></span>er i fo<span class=\"_ _1\"></span>nd (<span class=\"_ _1\"></span>niv\u00e5 <span class=\"_ _1\"></span>2 og 3)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Aksjer i niv\u00e5 2 omfatter aksjefond hvor de underli<span class=\"_ _5\"></span>ggende investeringene er noterte aksjer, samt et mindre volum av andre fond<span class=\"wscf\">sandeler.<span class=\"_ _5\"></span> </span>Investeri<span class=\"_ _5\"></span>ngene i niv\u00e5 3 best\u00e5r av Private Equity<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">fond, eiendomsfond,<span class=\"_ _5\"></span> KS<span class=\"ls0 ws0\">-</span></span>andeler, ikke b\u00f8rsnot<span class=\"_ _5\"></span>erte hedgefond og ikke b\u00f8rsn<span class=\"wsd2\">oterte aksjer. Felles </span>for disse invest<span class=\"_ _5\"></span>eringene er at det er etterslep i tilgangen p\u00e5 informasjon fra enhetene. I tider med uro i finansmarkedene, v<span class=\"wsd2\">il <span class=\"_ _5\"></span>det kunne v\u00e6<span class=\"_ _5\"></span>re </span>betydeli<span class=\"_ _5\"></span>g usikkerhet knyttet til verdsettelsen av disse invest<span class=\"_ _5\"></span>eringene.<span class=\"ls0 ws0\"> </span>Ved f<span class=\"_ _5\"></span>astsettelse av vi<span class=\"_ _5\"></span>rkelig verdi for <span class=\"_ _5\"></span>Private Equi<span class=\"_ _5\"></span>ty<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">investeringer, PE, benytt<span class=\"_ _5\"></span>es en bransjestandard utarbeidet av European Private Equity &amp; </span>Venture Capit<span class=\"_ _5\"></span>al Association, EVCA. Metoden vurderes \u00e5 representere beste grunnlag for beste estim<span class=\"_ _5\"></span>at for virkelig verdi for investeringer i lite likvide egenkapit<span class=\"_ _5\"></span>alinstrumenter. Rapportering f<span class=\"_ _5\"></span>ra forvalterne om verdien av PE<span class=\"ls0 ws0\">-</span>fond p\u00e5 balansedagen mottas etter at konsernet har avlagt regn<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>skap. Verdivurderi<span class=\"_ _5\"></span>ngene i konsernregnskapet er derfor basert p\u00e5 verdsett<span class=\"_ _5\"></span>elser for tidligere perioder, justert for ti<span class=\"_ _5\"></span>dsetterslep i rapporteringen p\u00e5 om lag tre m\u00e5neder. Tidsettersl<span class=\"_ _5\"></span>epet fastsettes med utgangspunkt i utvikl<span class=\"_ _5\"></span>ingen i en vektet indeks best\u00e5ende av en parameter for aksje<span class=\"wscf\">markedet </span>representert ved MSCI World som referans<span class=\"_ _5\"></span>eindeks, og et parameter for forventet langsiktig avkastning p\u00e5 PE<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finan<span class=\"_ _1\"></span>siell<span class=\"_ _1\"></span>e eiend<span class=\"_ _1\"></span>eler, kun<span class=\"_ _1\"></span>der b<span class=\"_ _1\"></span>\u00e6rer risi<span class=\"_ _1\"></span>koen (n<span class=\"_ _1\"></span>iv\u00e5 2)<span class=\"ls0 ws0\"> </span>Posten gjelder unit link<span class=\"_ _5\"></span>ed produkter i DNB Livsforsikring. Verdiutvikl<span class=\"_ _5\"></span>ingen p\u00e5 de underliggende fondene er tilgjengeli<span class=\"_ _5\"></span>g p\u00e5 daglig basis.<span class=\"ls0 ws0\"> </span>Finan<span class=\"_ _1\"></span>siell<span class=\"_ _1\"></span>e deri<span class=\"_ _1\"></span>vater <span class=\"_ _1\"></span>(niv\u00e5 <span class=\"_ _1\"></span>2 og<span class=\"_ _1\"></span> 3)<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le derivater i niv\u00e5 2 omfatter i hovedsak valutaterminer og rente<span class=\"ls0 ws0\">- </span>og valutaswapper. V<span class=\"_ _5\"></span>erdsettelsen er basert p\u00e5 swapkurver, og kreditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>marginer utgj\u00f8<span class=\"_ _5\"></span>r en mindre del a<span class=\"_ _1\"></span>v verdien. I ti<span class=\"_ _5\"></span>llegg omfatter posten derivater knyttet til r\u00e5varer og FRAer. Disse er verds<span class=\"_ _5\"></span>att med utgangspunkt i observerbare pris<span class=\"_ _5\"></span>er i markedet. Derivater klassifisert i niv\u00e5 2 omfatter ogs\u00e5 aksjederiv<span class=\"_ _5\"></span>ater knyttet til DNB Carnegies market<span class=\"ls0 ws0\">-</span>making aktiv<span class=\"_ _5\"></span>iteter. Hoved<span class=\"wsf6\">delen av disse derivat<span class=\"_ _5\"></span>ene er kn<span class=\"_ _1\"></span>yt<span class=\"_ _5\"></span>tet opp mot de mest omsatte aksjene p\u00e5<span class=\"ls0 ws0\"> </span>Oslo B\u00f8rs, og verdsettelsen baseres p\u00e5 kursutvikli<span class=\"_ _5\"></span>ngen p\u00e5 den </span>aktuell<span class=\"_ _5\"></span>e/underliggende aksjen og observerbar eller beregnet volatil<span class=\"_ _5\"></span>itet. Finansielle derivater i niv\u00e5 3 best\u00e5r i det vesentli<span class=\"_ _5\"></span><span class=\"wsd2\">gste av val<span class=\"_ _5\"></span>utaopsjoner, </span>renteopsjoner i<span class=\"_ _5\"></span> norske kroner samt indeksderivater. Verdset<span class=\"_ _5\"></span>telsen er basert p\u00e5 indikative priser fra tredjepart.<span class=\"ls0 ws0\"> </span>Innsk<span class=\"_ _5\"></span>udd fra<span class=\"_ _5\"></span> kunder<span class=\"_ _5\"></span> (niv\u00e5<span class=\"_ _5\"></span> 2)<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>en av innskudd som vurderes til virkelig verdi omfatter i hovedsak innskudd med fast rente. Verdsettels<span class=\"_ _5\"></span>en er i hovedsak basert p\u00e5 m\u00e5ling mot en swapkurve, og effekten av endringer i kredittm<span class=\"_ _5\"></span>arginer i m\u00e5lingen er liten.<span class=\"ls0 ws0\"> </span>Verdi<span class=\"_ _5\"></span>papirgjel<span class=\"_ _5\"></span>d <span class=\"wsfd\">og etterst<span class=\"_ _5\"></span>ilte seni<span class=\"_ _5\"></span>orobligas<span class=\"_ _5\"></span>joner <span class=\"lsb8 ws10a\">(niv\u00e5 2)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span>Verdivurderingen bas<span class=\"_ _5\"></span>eres i hovedsak p\u00e5 observerbar markedsinformas<span class=\"_ _5\"></span>jon i form av rentekurver og kredittmarginer. Post<span class=\"_ _5\"></span>en best\u00e5r<span class=\"ls0 ws0\"> </span>i hovedsak av innl\u00e5n i norske kroner.<span class=\"ls0 ws0\"> </span>Ansva<span class=\"_ _1\"></span>rlig l<span class=\"_ _1\"></span>\u00e5nekap<span class=\"_ _1\"></span>ital<span class=\"_ _1\"></span> (niv\u00e5<span class=\"_ _1\"></span> 2)<span class=\"ls0 ws0\"> </span>Ansvarlige i<span class=\"_ _5\"></span>nnl\u00e5n som m\u00e5les til virkelig verdi best\u00e5r av innl\u00e5n i norske kroner, og verdsettelsen baseres p\u00e5 observerbare rentekurv<span class=\"_ _5\"></span>er og kredittmargi<span class=\"_ _5\"></span>ner.<table class=\"s w383 h4fe\" id=\"_d8f2fc09-57a6-48c0-90a1-f1b28150867a\"><tr><td class=\"c x3db y429e w152 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff24d fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x437 y429f w1b6 hd7\"><div class=\"t m2 x46 hcc y1db0 ff24e fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4db y429f w1b7 hd7\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x438 y42a0 w6e h13b\"><div class=\"t m2 x329 hcc y1db0 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y42a1 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a1 w6e hd7\"><div class=\"t m2 x227 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">og<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42a1 w6f hd7\"><div class=\"t m2 x329 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Finansi<span class=\"_ _5\"></span>elle<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4db y42a1 w1b7 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Finansi<span class=\"_ _5\"></span>elle<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a2 w152 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a2 w6f hd7\"><div class=\"t m2 x1ba hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a2 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42a2 w6e hd7\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td class=\"c x3dd y42a2 w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4db y42a2 w1b7 hd7\"><div class=\"t m2 x4f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a3 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 1. ja<span class=\"_ _5\"></span>nuar 2<span class=\"_ _5\"></span>023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a3 w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">42</span> <span class=\"lsab wscb\">099</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42a3 w6e hd9\"><div class=\"t m2 x1b5 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">385</span> </div></td><td class=\"c x436 y42a3 w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">015</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42a3 w6f hd9\"><div class=\"t m2 x2d7 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4dc y42a3 w1b9 hd9\"><div class=\"t m2 x20f hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">345</span> </div></td></tr><tr><td class=\"c x3db y42a4 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>esultatf<span class=\"_ _5\"></span>\u00f8rte <span class=\"_ _5\"></span>gevinste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a4 w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a4 w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x436 y42a4 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">535</span> </div></td><td class=\"c x3dd y42a4 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">214</span> </div></td><td class=\"c x4dc y42a4 w1b9 hde\"><div class=\"t m2 x20e hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a5 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span>/kj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a5 w6f hda\"><div class=\"t m2 x19e hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">890</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42a5 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">847</span> </div></td><td class=\"c x436 y42a5 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">960</span> </div></td><td class=\"c x3dd y42a5 w6f hda\"><div class=\"t m2 x2d7 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4dc y42a5 w1b9 hda\"><div class=\"t m2 x20f hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">664</span> </div></td></tr><tr><td class=\"c x3db y42a6 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Avhendi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a6 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">(501)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42a6 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">589</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42a7 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a7 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">491</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x438 y42a7 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42a7 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">284</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4dc y42a7 w1b9 hdb\"><div class=\"t m2 x1ab hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">883</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y42a8 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>rt fra ni<span class=\"_ _5\"></span>v\u00e5 1 el<span class=\"_ _5\"></span>ler 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a8 w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">29</span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42a9 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsa7 wsd1\">Overf\u00f8rt til niv\u00e5 1 eller 2<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a9 w6e hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscb\">(257)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42aa w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42aa w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x436 y42aa w6e hdb\"><div class=\"t m2 x134 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td></td><td></td></tr><tr><td class=\"c x3db y42ab w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ab w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42ab w6e hd9\"><div class=\"t m2 x1b5 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x436 y42ab w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42ab w6f hd9\"><div class=\"t m2 x2d7 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">434</span> </div></td><td class=\"c x4dc y42ab w1b9 hd9\"><div class=\"t m2 x20f hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3db y42ac w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>esultatf<span class=\"_ _5\"></span>\u00f8rte <span class=\"_ _5\"></span>gevinste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ac w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x438 y42ac w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x436 y42ac w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">(519)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42ac w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">390</span> </div></td><td class=\"c x4dc y42ac w1b9 hde\"><div class=\"t m2 x248 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">53</span> </div></td></tr><tr><td class=\"c x3db y42ad w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscd\">Oppkj\u00f8p<span class=\"_ _5\"></span> av Ca<span class=\"_ _5\"></span>rnegie<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y42ad w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">234</span> </div></td><td class=\"c x3dd y42ad w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">63</span> </div></td><td></td></tr><tr><td class=\"c x3db y42ae w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span>/kj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ae w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">227</span> </div></td><td class=\"c x438 y42ae w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">876</span> </div></td><td class=\"c x436 y42ae w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">222</span> </div></td><td class=\"c x3dd y42ae w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">841</span> </div></td><td class=\"c x4dc y42ae w1b9 hdb\"><div class=\"t m2 x1ba hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">878</span> </div></td></tr><tr><td class=\"c x3db y42af w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">Avhendi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42af w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">(710)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42af w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3dd y42af w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">(426)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y42b0 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42b0 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">156</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x438 y42b0 w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42b0 w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">168</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4dc y42b0 w1b9 hde\"><div class=\"t m2 x1ab hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">224</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y42b1 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>rt fra ni<span class=\"_ _5\"></span>v\u00e5 1 el<span class=\"_ _5\"></span>ler 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b1 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">170</span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42b2 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsd1\">Overf\u00f8rt til niv\u00e5 1 eller 2<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b2 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">096</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x436 y42b2 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42b3 w152 h11a\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b3 w6e h11a\"><div class=\"t m2 x249 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42b3 w6e h11a\"><div class=\"t m2 x1e3 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td class=\"c x3dd y42b3 w6f h11a\"><div class=\"t m2 x249 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dc y42b3 w1b9 h11a\"><div class=\"t m2 x248 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">25</span> </div></td></tr><tr><td class=\"c x3db y42b4 w152 hd9\"><div class=\"t m2 x19f hdc y1da9 ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42b4 w6f hd9\"><div class=\"t m2 x19e hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42b4 w6e hd9\"><div class=\"t m2 x1b5 hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x436 y42b4 w6e hd9\"><div class=\"t m2 x19e hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42b4 w6f hd9\"><div class=\"t m2 x2d7 hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">114</span> </div></td><td class=\"c x4dc y42b4 w1b9 hd9\"><div class=\"t m2 x20f hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">826</span> </div></td></tr></table><table class=\"s w384 h4ff\" id=\"_aa37b9c7-c3aa-451f-ba99-36245f76c16c\"><tr><td class=\"c x3db y42b5 w1ba h136\"><div class=\"t m2 x19f hd1 y200d ff24d fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av virkelig verdi, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4dd y42b6 w10f hd7\"><div class=\"t m2 x9f hcc y2c9a ff24e fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y42b6 w10f hd7\"><div class=\"t m2 x9f hcc y2c9a ff24e fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x4de y42b7 w6e h13b\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y42b7 w6f h13b\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4dd y42b8 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42b8 w6e hd7\"><div class=\"t m2 x227 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">og <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x436 y42b8 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42b8 w6f hd7\"><div class=\"t m2 x227 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">og <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y42b9 w1bb hd7\"><div class=\"t m2 x19f hd8 y1da9 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42b9 w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42b9 w6e hd7\"><div class=\"t m2 x1bc hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4df y42b9 w6f hd7\"><div class=\"t m2 x2d7 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td class=\"c x436 y42b9 w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42b9 w6f hd7\"><div class=\"t m2 x1bc hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42b9 w6e hd7\"><div class=\"t m2 x2d7 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td></tr><tr><td class=\"c x3db y42ba w1bb hd9\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsd1\">Nominell verdi/kostpris<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">47</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4de y42ba w6e hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">726</span> </div></td><td class=\"c x4df y42ba w6f hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">55</span> <span class=\"lsab wscb\">108</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42ba w6f hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">528</span> </div></td><td class=\"c x3de y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">846</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y42bb w1bb hdb\"><div class=\"t m2 x19f hcc y200f ff24e fs53 fc21 sc0 lsa7 wsd1\">Virkelig verdi justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bb w6e hdb\"><div class=\"t m2 x19e hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">068</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4de y42bb w6e hdb\"><div class=\"t m2 x1e3 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x4df y42bb w6f hdb\"><div class=\"t m2 x2d7 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">540</span> </div></td><td class=\"c x436 y42bb w6e hdb\"><div class=\"t m2 x19e hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">772</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3dd y42bb w6f hdb\"><div class=\"t m2 xf9 hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42bb w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">074</span> </div></td></tr><tr><td class=\"c x3db y42bc w1bb hda\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wsd0\">P\u00e5l\u00f8pte re<span class=\"_ _5\"></span>nter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">87</span> </div></td><td class=\"c x4de y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td></td><td class=\"c x436 y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">95</span> </div></td><td class=\"c x3dd y42bc w6f hda\"><div class=\"t m2 x134 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td></tr><tr><td class=\"c x3db y42bd w1bb hd9\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4de y42bd w6e hd9\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4df y42bd w6f hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">432</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42bd w6f hd9\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x3de y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table><table class=\"s w326 h500\" id=\"_fd024ea7-42b8-4cb6-845d-7853122ec7e9\"><tr><td class=\"c x3db y42be w1bb h136\"><div class=\"t m2 x19f hd1 y2036 ff24d fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av aksjer, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x436 y42bf w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4dd y42c0 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Eiendom<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x4de y42c0 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Hedge<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> <span class=\"_ _5\"></span> </span></div></td><td class=\"c x4df y42c0 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Unotert<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42c0 w6e hd7\"><div class=\"t m2 x44 hcc y1da9 ff24e fs53 fc21 sc0 lsa8 ws6b\">Equity (<span class=\"_ _1\"></span>PE) <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42c1 w1bb hd7\"><div class=\"t m2 x19f hd8 y1da9 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c1 w6e hd7\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">fond <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42c1 w6e hd7\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">fond <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4df y42c1 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">aksjer  </div></td><td class=\"c x436 y42c1 w6e hd7\"><div class=\"t m2 x20a hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">investeri<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42c1 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Annet <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42c1 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42c2 w1bb hdd\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi per<span class=\"_ _5\"></span> 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c2 w6e hdd\"><div class=\"t m2 x134 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x4de y42c2 w6e hdd\"><div class=\"t m2 x1b5 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x4df y42c2 w6f hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x436 y42c2 w6e hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">973</span> </div></td><td class=\"c x3dd y42c2 w6f hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">634</span> </div></td><td class=\"c x3de y42c2 w6e hdd\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y42c3 w1bb hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi per<span class=\"_ _5\"></span> 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c3 w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x4de y42c3 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">702</span> </div></td><td class=\"c x4df y42c3 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">291</span> </div></td><td class=\"c x436 y42c3 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">366</span> </div></td><td class=\"c x3dd y42c3 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">558</span> </div></td><td class=\"c x3de y42c3 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table>Sensitvi<span class=\"_ _5\"></span>tetsanalyse, niv\u00e5 3<span class=\"ls0 ws0\"> </span>En \u00f8kning i diskonterings<span class=\"_ _5\"></span>renten p\u00e5 fastrenteutl\u00e5n med 10 basispunkter vil redusere vi<span class=\"_ _5\"></span>rkelig verdi av utl\u00e5n til kunder med 100<span class=\"ls0 ws0\"> </span>millioner kroner per 31. desember 2025 (136 millioner per 31. desember 2024).<span class=\"_ _5\"></span> Effektene p\u00e5 andre instrumenter i niv\u00e5 3 er ikke ve<span class=\"_ _1\"></span>s<span class=\"_ _5\"></span><span class=\"wscf\">entlige. <span class=\"ls0 ws0\"> </span></span>Aksjer klassif<span class=\"_ _5\"></span>isert i niv\u00e5 3 omfatter til sammen 11 731 millioner kroner i Private Equity<span class=\"ls0 ws0\">-</span>investeringer, eiendoms<span class=\"_ _5\"></span>fond, hedgefond og unoterte aksjer i DNB Livsforsik<span class=\"_ _5\"></span>ring per 31. desember 2025. Verdsettelsene er i all hovedsak basert p\u00e5 rapportering fra f<span class=\"_ _5\"></span>orvaltere av fondene, som benytter kontantst<span class=\"_ _5\"></span>r\u00f8mbaserte modeller eller multi<span class=\"_ _5\"></span>pler ved fastsettelse av virkelig verdi. Konsernet har ikke ful<span class=\"_ _5\"></span>l tilgang til<span class=\"ls0 ws0\"> </span>inform<span class=\"_ _5\"></span>asjon om alle elementene i disse verdsett<span class=\"_ _5\"></span>elsene og har derfor ikke grunnlag for \u00e5 fastsette alternative forutsetninger.<span class=\"_ _5\"></span> Effekten p\u00e5 konsernets result<span class=\"_ _5\"></span>at av alternativ<span class=\"_ _5\"></span>e verdier vil imidlertid v\u00e6re begrenset da investeri<span class=\"_ _5\"></span>ngene eies av DNB Livsforsikring i kollektivportef\u00f8<span class=\"_ _5\"></span>ljen<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-407": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs13a\">Note K21 L\u00f8nn og andr<span class=\"_ _1\"></span>e personalkos<span class=\"_ _1\"></span>tnader<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w340 h4e8\" id=\"_46fcb9bc-5056-4888-9a39-4131e23a30b7\"><tr><td class=\"c x400 y4175 w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1db fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4175 w6f hd7\"><div class=\"t m2 x204 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4175 w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4176 w341 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1da fs53 fc21 sc0 lsab wscb\">L\u00f8nnsk<span class=\"_ _5\"></span>ostnad<span class=\"_ _5\"></span>er</div><div class=\"t m2 x498 h121 y3ebb ff1da fs58 fc21 sc0 ls0 ws0\">*<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x493 y4177 w6f hd9\"><div class=\"t m2 x247 hcc y1dc1 ff1da fs53 fc21 sc0 lsb2 wsf1\">(14<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">466</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y4177 w6e hd9\"><div class=\"t m2 x247 hcc y1dc1 ff1da fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">364</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y4178 w71 hdb\"><div class=\"t m2 x19f hcc y2369 ff1da fs53 fc21 sc0 lsab wscb\">Arbeidsgi<span class=\"_ _5\"></span>ver<span class=\"_ _5\"></span>avgift<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4178 w6f hdb\"><div class=\"t m2 x19e hcc y2369 ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">650</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y4178 w6e hdb\"><div class=\"t m2 x19e hcc y2369 ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">434</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y4179 w71 hda\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">Pensjo<span class=\"_ _5\"></span>nskostn<span class=\"_ _5\"></span>ader <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4179 w6f hda\"><div class=\"t m2 x19e hcc y1dae ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">425</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y4179 w6e hda\"><div class=\"t m2 x19e hcc y1dae ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">097</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y417a w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">Omstill<span class=\"_ _5\"></span>ingskos<span class=\"_ _5\"></span>tnader<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y417a w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">(156)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y417a w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">(440)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y417b w71 hde\"><div class=\"t m2 x19f hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>erson<span class=\"_ _5\"></span>alkostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y417b w6f hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">(725)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y417b w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">(626)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y417c w71 hd9\"><div class=\"t m2 x19f hdc y2369 ff1d9 fs53 fc21 sc0 lsb3 wsf3\">Sum l\u00f8n<span class=\"_ _5\"></span>n og andr<span class=\"_ _5\"></span>e pers<span class=\"_ _5\"></span>onal<span class=\"_ _5\"></span>kost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y417c w6f hd9\"><div class=\"t m2 x247 hdc y2369 ff1d9 fs53 fc21 sc0 lsb2 wsf1\">(20<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">422</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y417c w6e hd9\"><div class=\"t m2 x247 hdc y2369 ff1d9 fs53 fc21 sc0 lsb2 wsf1\">(17<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">961</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y417d w91 hda\"><div class=\"t m2 x19f hd8 y1dc1 ff1db fs53 fc21 sc0 lsb6 wsf8\">*)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x499 y417d w9b hda\"><div class=\"t m2 x19f hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf1\">Herav:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x49a y417d w9c hda\"><div class=\"t m2 x19f hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf2\">Ordin\u00e6<span class=\"_ _5\"></span>r l\u00f8n<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y417d w6f hda\"><div class=\"t m2 x247 hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">617</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y417d w6e hda\"><div class=\"t m2 x247 hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">388</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td></td><td class=\"c x49a y417e w9c hdb\"><div class=\"t m2 x19f hd8 y1dae ff1db fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>basert l<span class=\"_ _5\"></span>\u00f8nn<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y417e w6f hdb\"><div class=\"t m2 x19e hd8 y1dae ff1db fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">846</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y417e w6e hdb\"><div class=\"t m2 x19e hd8 y1dae ff1db fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">807</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y417f w71 h136\"><div class=\"t m2 x19f hd1 y200d ff1d9 fs55 fc21 sc0 lsaf wsf6\">Antall ansatte/<span class=\"_ _5\"></span>\u00e5rsverk<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4180 w6f hd7\"><div class=\"t m2 x204 hcc y20f0 ff1da fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4180 w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1da fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4181 w71 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscd\">Antall <span class=\"_ _5\"></span>ansatt<span class=\"_ _5\"></span>e per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4181 w6f hdd\"><div class=\"t m2 x1ba hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>203<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4181 w6e hdd\"><div class=\"t m2 x1ba hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>960<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4182 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 ls0 ws0\">- <span class=\"lsab wscd\">herav a<span class=\"_ _5\"></span>ntall <span class=\"_ _5\"></span>ansatt<span class=\"_ _5\"></span>e i utla<span class=\"_ _5\"></span>ndet</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x493 y4182 w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff1da fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">302</span> </div></td><td class=\"c x494 y4182 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff1da fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">607</span> </div></td></tr><tr><td class=\"c x400 y4183 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig ant<span class=\"_ _5\"></span>all ansa<span class=\"_ _5\"></span>tte<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4183 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>109<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4183 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>005<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4184 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1da fs53 fc21 sc0 lsab wsd0\">Antall \u00e5rsv<span class=\"_ _5\"></span>erk per 31. des<span class=\"_ _5\"></span>embe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4184 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>829<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4184 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>603<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4185 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1da fs53 fc21 sc0 ls0 ws0\">- <span class=\"lsab wscd\">herav a<span class=\"_ _5\"></span>ntall <span class=\"_ _5\"></span>\u00e5rsverk<span class=\"_ _5\"></span> i utla<span class=\"_ _5\"></span>ndet</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x493 y4185 w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff1da fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">280</span> </div></td><td class=\"c x494 y4185 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1da fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">593</span> </div></td></tr><tr><td class=\"c x400 y4186 w71 hde\"><div class=\"t m2 x19f hcc y2401 ff1da fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig ant<span class=\"_ _5\"></span>all \u00e5rsv<span class=\"_ _5\"></span>erk<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4186 w6f hde\"><div class=\"t m2 x1ba hcc y2401 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>756<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4186 w6e hde\"><div class=\"t m2 x1ba hcc y2401 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>641<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs141\">Note K24 P<span class=\"_ _1\"></span>ensjoner<span class=\"_ _1c5\"> </span></div>Beskriv<span class=\"_ _5\"></span>else av p<span class=\"_ _5\"></span>ensjonso<span class=\"_ _5\"></span>rdning<span class=\"_ _5\"></span>ene <span class=\"ls0 ws0\"> </span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet har innsk<span class=\"_ _5\"></span>uddspensjon for alle medarbeidere i Norge, med unnt<span class=\"_ _5\"></span>ak av de om<span class=\"_ _1\"></span> lag 170 ansatte fra tidligere P<span class=\"_ _5\"></span>ostbanken so<span class=\"lscd ws12a\">m er </span></span></span>dekket gjennom en lukket, kollekt<span class=\"_ _5\"></span>iv pensjonsavtale i Statens Pensjonskass<span class=\"_ _5\"></span>e.<span class=\"ls0 ws0\"> </span>Innskuddssats<span class=\"_ _5\"></span>ene er:<span class=\"ls0 ws0\"> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">L\u00f8nn t<span class=\"_ _5\"></span>ilsvarende 0 til 7,1 ganger G: 7 prosent</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">L\u00f8nn t<span class=\"_ _5\"></span>ilsvarende 7,1 til 12 ganger G: 15 prosent</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Kons<span class=\"_ _5\"></span>ernet har ikke innskuddspensjonsordning f<span class=\"_ _5\"></span>or l\u00f8nn over 12G (utover lukket ordning for ansatte fra f\u00f8r 2008).</span> </span>Ansatte som var omfattet av de tidligere ytels<span class=\"_ _5\"></span>esbaserte pensjonsordningene (avv<span class=\"_ _5\"></span>iklet i perioden 2015 til 2017) har i tillegg <span class=\"wsd2\">en kompensasjons<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>ordning som er utformet som en supplerende innsk<span class=\"_ _5\"></span>uddsbasert driftspensjons<span class=\"_ _5\"></span>ordning.<span class=\"ls0 ws0\"> </span>Spareplanen i kompens<span class=\"_ _5\"></span>asjonsordningen har etter forutsetni<span class=\"_ _5\"></span>nger som ble besluttet p\u00e5 omdanningstidspunktene, som m\u00e5l \u00e5 gi den e<span class=\"wscf\">nkelte </span>ansatte ved fylte 67 \u00e5r en samlet pensjonskapit<span class=\"_ _5\"></span>al tilsvarende det den ansatte ville hatt dersom ytelsespensjons<span class=\"_ _5\"></span>avtalene hadd<span class=\"wsd2\">e blitt v<span class=\"_ _5\"></span>ideref\u00f8rt. </span>B\u00e5de opptjening og avkastni<span class=\"_ _5\"></span>ng finansieres over driften.<span class=\"ls0 ws0\"> </span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet har uf<span class=\"_ _5\"></span>\u00f8repensjon for alle medarbeidere i Norge. Uf\u00f8repensjonsordni<span class=\"_ _5\"></span>ngen er:</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">3 pros<span class=\"_ _5\"></span>ent av pensjonsgrunnlaget opp til 12G</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">25 pros<span class=\"_ _5\"></span>ent av G, maksimalt 6 prosent av pensjonsgrunnlaget, opp til 12G</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">66 pros<span class=\"_ _5\"></span>ent av pensjonsgrunnlaget i intervallet 6</span>-<span class=\"lsaf wscf\">12G</span> </span>Konsernets norsk<span class=\"_ _5\"></span>e selskaper er med i Fellesordningen for avtalefestet pens<span class=\"_ _5\"></span>jon, AFP. Det er i tillegg avtale om AFP etter regl<span class=\"wsd2\">er for statl<span class=\"_ _5\"></span>ig sektor </span>for ans<span class=\"_ _5\"></span>atte med medlemsk<span class=\"_ _5\"></span>ap i Statens<span class=\"_ _5\"></span> Pensjonskasse.<span class=\"ls0 ws0\"> </span>Den private AFP<span class=\"ls0 ws0\">-</span>ordningen vil bl<span class=\"_ _5\"></span>i finansiert gjennom en \u00e5rlig premie som fastsettes som en prosent av l\u00f8nn mellom 1 og 7,1G<span class=\"_ _1c5\"> </span>.<div class=\"c w73 h1db gs145\"><div class=\"t m2 x20e hcf y28e6 ff1fa fs55 fc21 sc0 lsaf wsf6\">Pensjonsk<span class=\"_ _5\"></span>ostnader og <span class=\"ls0 ws0\">-</span>forpliktelser inkluderer arbeids<span class=\"_ _5\"></span>giveravgift og finansskatt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y28e7 ff1fa fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y28e8 ff1fa fs55 fc21 sc0 lsaf wsf6\">Datterselskaper og fil<span class=\"_ _5\"></span>ialer utenfor Norge har egne ordninger for sine ansatte, som i hovedsak er innskuddsbasert<span class=\"_ _5\"></span>e pensjonsord<span class=\"wscf\">ninger.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y28e9 ff1fa fs55 fc21 sc0 lsaf wsf6\">Pensjonsk<span class=\"_ _5\"></span>ostnaden for ansatte utenfor Norge utgjorde 433 milli<span class=\"_ _5\"></span>oner kroner.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y28a5 ff1fa fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y28ea ff1fa fs55 fc21 sc0 lsaf wsf6\">\u00d8konomiske foruts<span class=\"_ _5\"></span>etninger som er benyttet ved beregning av pensjonskostnader og <span class=\"ls0 ws0\">-</span>forplikt<span class=\"_ _5\"></span>elser er gjort i samsvar med veiledningen fra Norsk </div><div class=\"t m2 x20e hcf y28eb ff1fa fs55 fc21 sc0 lsaf wsf6\">regnskapsstift<span class=\"_ _5\"></span>else per 31. desember 2025. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y28ec ff1fa fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs146\"><table class=\"s w348 h4eb\" id=\"_5a1e1c19-1a23-486b-8e42-93e40d60da1d\"><tr><td class=\"c x400 y419b we4 h139\"><div class=\"t m2 x19f hd1 y28ee ff1f9 fs55 fc21 sc0 lsaf wscf\">Pensjonskostnad<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y419c we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1fb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419c wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419c w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y419d we4 h1dc\"><div class=\"t m2 x19f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscd\">N\u00e5verdi <span class=\"_ _5\"></span>av \u00e5re<span class=\"_ _5\"></span>ts pensj<span class=\"_ _5\"></span>onsop<span class=\"_ _5\"></span>ptjeni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419d wde h1dc\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(773)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419d w128 h1dc\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(657)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y419e we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wsd0\">Rentekos<span class=\"_ _5\"></span>tnad p\u00e5 pe<span class=\"_ _5\"></span>nsjonsf<span class=\"_ _5\"></span>orplik<span class=\"_ _5\"></span>telsen<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419e wde hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(109)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419e w128 hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(111)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y419f we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wsd0\">Beregn<span class=\"_ _5\"></span>et avkastni<span class=\"_ _5\"></span>ng p\u00e5 pens<span class=\"_ _5\"></span>jonsm<span class=\"_ _5\"></span>idlene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419f wde hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419f w128 hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a0 we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">Admini<span class=\"_ _5\"></span>strasjo<span class=\"_ _5\"></span>nskostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a0 wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a0 w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a1 we4 hd9\"><div class=\"t m2 x19f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscd\">Sum ytel<span class=\"_ _5\"></span>sesb<span class=\"_ _5\"></span>aserte or<span class=\"_ _5\"></span>dning<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a1 wde hd9\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(823)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a1 w128 hd9\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(712)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a2 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Avtalef<span class=\"_ _5\"></span>estet p<span class=\"_ _5\"></span>ensjon<span class=\"_ _5\"></span>, ny or<span class=\"_ _5\"></span>dning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a2 wde hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(176)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a2 w128 hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(175)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a3 we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsa7 wsc9\">Risikopremie<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a3 wde hde\"><div class=\"t m2 x1b9 hcc y1da9 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(80)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a3 w128 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(77)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a4 we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>dsbase<span class=\"_ _5\"></span>rte o<span class=\"_ _5\"></span>rdning<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a4 wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">347</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x469 y41a4 w128 hdb\"><div class=\"t m2 x329 hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">132</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y41a5 we4 hd9\"><div class=\"t m2 x19f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsk<span class=\"_ _5\"></span>ost<span class=\"_ _5\"></span>nader<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a5 wde hd9\"><div class=\"t m2 x329 hcc y2369 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">425</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x469 y41a5 w128 hd9\"><div class=\"t m2 x329 hcc y2369 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">097</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y41a6 we4 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff1f9 fs55 fc21 sc0 lsaf wscf\">Pensjonsforpli<span class=\"_ _5\"></span>ktelser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y41a7 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1fb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a7 w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a8 we4 h1dc\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Inng\u00e5end<span class=\"_ _5\"></span>e bala<span class=\"_ _5\"></span>nse <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a8 wde h1dc\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">062</span> </div></td><td class=\"c x469 y41a8 w128 h1dc\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">446</span> </div></td></tr><tr><td class=\"c x400 y41a9 we4 h11d\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a9 wde h11d\"><div class=\"t m2 x2d7 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41aa we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wsd0\">\u00c5rets opptj<span class=\"_ _5\"></span>enin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41aa wde hde\"><div class=\"t m2 x19e hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">773<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41aa w128 hde\"><div class=\"t m2 x19e hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">657<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ab we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wsd0\">\u00c5rets rente<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ab wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41ab w128 hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ac we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsaa ws0\">Aktuarielt <span class=\"_ _5\"></span>tap, nett<span class=\"_ _5\"></span>o<span class=\"ls0\"> </span></div></td><td class=\"c x468 y41ac wde hda\"><div class=\"t m2 x1b9 hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41ac w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ad we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring av<span class=\"_ _5\"></span> britisk <span class=\"_ _5\"></span>pensj<span class=\"_ _5\"></span>onsordni<span class=\"_ _5\"></span>ng\u00b9<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ad wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(382)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41ae we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscd\">Utbetali<span class=\"_ _5\"></span>ng til <span class=\"_ _5\"></span>pensjo<span class=\"_ _5\"></span>niste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ae wde hde\"><div class=\"t m2 x20f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41ae w128 hde\"><div class=\"t m2 x20f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">(303)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41af we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urseff<span class=\"_ _5\"></span>ekter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41af wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(105)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41af w128 hdb\"><div class=\"t m2 x246 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">6 </div></td></tr><tr><td class=\"c x400 y41b0 we4 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wsd0\">Utg\u00e5en<span class=\"_ _5\"></span>de balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b0 wde hdd\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">053</span> </div></td><td class=\"c x469 y41b0 w128 hdd\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">062</span> </div></td></tr><tr><td class=\"c x400 y41b1 we4 h139\"><div class=\"t m2 x19f hd1 y2193 ff1f9 fs55 fc21 sc0 lsaf wscf\">Pensjonsmidler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y41b2 we4 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1fb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b2 wde hd7\"><div class=\"t m2 x20f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b2 w128 hd7\"><div class=\"t m2 x20f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b3 we4 h1dc\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscd\">Inng\u00e5end<span class=\"_ _5\"></span>e bala<span class=\"_ _5\"></span>nse<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b3 wde h1dc\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">468</span> </div></td><td class=\"c x469 y41b3 w128 h1dc\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">102</span> </div></td></tr><tr><td class=\"c x400 y41b4 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Beregn<span class=\"_ _5\"></span>et avkas<span class=\"_ _5\"></span>tning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b4 wde hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b4 w128 hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b5 we4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscd\">Aktuari<span class=\"_ _5\"></span>ell gevi<span class=\"_ _5\"></span>nst/<span class=\"_ _5\"></span>(tap), ne<span class=\"_ _5\"></span>tto<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b5 wde hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b5 w128 hde\"><div class=\"t m2 x19e hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b6 we4 hdb\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring av<span class=\"_ _5\"></span> britisk <span class=\"_ _5\"></span>pensj<span class=\"_ _5\"></span>onsordni<span class=\"_ _5\"></span>ng\u00b9<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b6 wde hdb\"><div class=\"t m2 x20f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">(382)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41b7 we4 hdb\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscd\">Innbet<span class=\"_ _5\"></span>aling p<span class=\"_ _5\"></span>remier<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b7 wde hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b7 w128 hdb\"><div class=\"t m2 x19e hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">121<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b8 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Utbetali<span class=\"_ _5\"></span>ng pens<span class=\"_ _5\"></span>joner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b8 wde hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(144)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b8 w128 hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(112)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b9 we4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscb\">Admini<span class=\"_ _5\"></span>strasjo<span class=\"_ _5\"></span>nskostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b9 wde hde\"><div class=\"t m2 x20e hcc y1dc1 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b9 w128 hde\"><div class=\"t m2 x20e hcc y1dc1 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ba we4 hdb\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urseff<span class=\"_ _5\"></span>ekter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ba wde hdb\"><div class=\"t m2 x1b9 hcc y1dae ff1fa fs53 fc21 sc0 lsb2 wsf1\">(97)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41bb we4 hd9\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wsd0\">Utg\u00e5en<span class=\"_ _5\"></span>de balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41bb wde hd9\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">996</span> </div></td><td class=\"c x469 y41bb w128 hd9\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">468</span> </div></td></tr><tr><td class=\"c x400 y41bc we4 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsf<span class=\"_ _5\"></span>orpli<span class=\"_ _5\"></span>ktelser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41bc wde hdd\"><div class=\"t m2 x209 hcc y1dc1 ff1fa fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">057</span> </div></td><td class=\"c x469 y41bc w128 hdd\"><div class=\"t m2 x209 hcc y1dc1 ff1fa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">594</span> </div></td></tr></table></div><div class=\"c w73 h1db gs145\"><div class=\"t m2 x20e h12e y2911 ff1f9 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd8 y2912 ff1fb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">I 20<span class=\"_ _5\"></span>22 ble <span class=\"_ _5\"></span>den yt<span class=\"_ _5\"></span>elsesba<span class=\"_ _5\"></span>serte <span class=\"_ _5\"></span>pensjo<span class=\"_ _5\"></span>nsord<span class=\"_ _5\"></span>ninge<span class=\"_ _5\"></span>n i DNBs <span class=\"_ _5\"></span>Lond<span class=\"_ _5\"></span>on</span>-<span class=\"lsab wscd\">filial <span class=\"_ _5\"></span>gjenst<span class=\"_ _5\"></span>and for <span class=\"_ _5\"></span>en avt<span class=\"_ _5\"></span>ale om<span class=\"_ _5\"></span> dekni<span class=\"_ _5\"></span>ngskj<span class=\"_ _5\"></span>\u00f8p med <span class=\"_ _5\"></span>en ekst<span class=\"_ _5\"></span>ern p<span class=\"_ _5\"></span>art, med i<span class=\"_ _5\"></span>ntens<span class=\"_ _5\"></span>jon om <span class=\"_ _5\"></span>\u00e5 </span></div><div class=\"t m2 x134 hd8 y2913 ff1fb fs53 fc21 sc0 lsab wscd\">overf\u00f8re <span class=\"_ _5\"></span>hele o<span class=\"_ _5\"></span>rdnin<span class=\"_ _5\"></span>gen til<span class=\"_ _5\"></span> denne <span class=\"_ _5\"></span>parte<span class=\"_ _5\"></span>n. I fjer<span class=\"_ _5\"></span>de kva<span class=\"_ _5\"></span>rtal 20<span class=\"_ _5\"></span>25 ble <span class=\"_ _5\"></span>de re<span class=\"_ _5\"></span>sterend<span class=\"_ _5\"></span>e pensj<span class=\"_ _5\"></span>onsmi<span class=\"_ _5\"></span>dlene<span class=\"_ _5\"></span> og forpl<span class=\"_ _5\"></span>iktels<span class=\"_ _5\"></span>ene ov<span class=\"_ _5\"></span>erf\u00f8rt. D<span class=\"_ _5\"></span>ette er <span class=\"_ _5\"></span>prese<span class=\"_ _5\"></span>ntert <span class=\"_ _5\"></span>som \"Ov<span class=\"_ _5\"></span>erf\u00f8r<span class=\"_ _5\"></span>ing </div><div class=\"t m2 x134 hd8 y2914 ff1fb fs53 fc21 sc0 lsab wscd\">av britis<span class=\"_ _5\"></span>k pens<span class=\"_ _5\"></span>jonso<span class=\"_ _5\"></span>rdnin<span class=\"_ _5\"></span>g\". Ordni<span class=\"_ _5\"></span>ngen <span class=\"_ _5\"></span>hadde i<span class=\"_ _5\"></span>ngen <span class=\"_ _5\"></span>effekt<span class=\"_ _5\"></span>er p\u00e5 res<span class=\"_ _5\"></span>ultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet fo<span class=\"_ _5\"></span>r 202<span class=\"_ _5\"></span>5.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h12e y2915 ff1f9 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2916 ff1fa fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2917 ff1f9 fs5a fc21 sc0 lsc0 ws108\">Sensitivit<span class=\"_ _5\"></span>etsan<span class=\"_ _5\"></span>alyse pens<span class=\"_ _5\"></span>jonsbereg<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2918 ff1fa fs55 fc21 sc0 lsaf wsf6\">F\u00f8lgende estimater er basert<span class=\"_ _5\"></span> p\u00e5 fakta og omstendigheter per 31. desember 2025, forutsatt at alle andre parametre er konstante<span class=\"lsbf wsff\">. Fakt<span class=\"_ _1\"></span>iske </span></div><div class=\"t m2 x20e hcf y2919 ff1fa fs55 fc21 sc0 lsaf wsf6\">resultat<span class=\"_ _5\"></span>er kan i vesentlig grad avvike fra disse estimatene.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y291a ff1fa fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"c w181 hd7 gs147\"><div class=\"t m2 x1b5 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">\u00c5rlig l<span class=\"_ _5\"></span>\u00f8nnsvek<span class=\"_ _5\"></span>st/<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w165 hd7 gs148\"><div class=\"t m2 xf9 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">\u00c5rlig r<span class=\"_ _5\"></span>eguleri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6d hd7 gs149\"><div class=\"t m2 x1a5 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">Diskon<span class=\"_ _5\"></span>terings<span class=\"_ _5\"></span>rente <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w181 hd7 gs14a\"><div class=\"t m2 x1df hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">grunnbel<span class=\"_ _5\"></span>\u00f8p</span> </div></div><div class=\"c w165 hd7 gs14b\"><div class=\"t m2 x199 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">av pensj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w166 hd7 gs14c\"><div class=\"t m2 xf0 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">Leveald<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></div><div class=\"c w180 hd7 gs14d\"><div class=\"t m2 x19f hd8 y1db0 ff1fb fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> prose<span class=\"_ _5\"></span>ntpoe<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w15a hd7 gs14e\"><div class=\"t m2 x19b hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">+1%<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wde hd7 gs14f\"><div class=\"t m2 x1b9 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">1%</span> </div></div><div class=\"c wdd hd7 gs150\"><div class=\"t m2 x247 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">+1%<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hd7 gs151\"><div class=\"t m2 x1b9 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">1%</span> </div></div><div class=\"c wdc hd7 gs152\"><div class=\"t m2 x247 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">+1%<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hd7 gs153\"><div class=\"t m2 x1b9 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">1%</span> </div></div><div class=\"c wde hd7 gs154\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">+1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w128 hd7 gs155\"><div class=\"t m2 x247 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wsd0\">1 \u00e5r</span> </div></div><div class=\"c w180 hd9 gs156\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscd\">Prosentvi<span class=\"_ _5\"></span>s en<span class=\"_ _5\"></span>dring i<span class=\"_ _5\"></span> pensjo<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w180 hdb gs157\"><div class=\"t m2 x163 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Pensjo<span class=\"_ _5\"></span>nsforpl<span class=\"_ _5\"></span>iktels<span class=\"_ _5\"></span>e (PBO)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w15a hdb gs158\"><div class=\"t m2 x4f hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-8-<span class=\"lsab wscb\">12</span> </div></div><div class=\"c wde hdb gs159\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\">-</span>18<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hdb gs15a\"><div class=\"t m2 x20e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">0,8<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hdb gs15b\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">0.8</span> </div></div><div class=\"c wdc hdb gs15c\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\">-</span>14<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hdb gs15d\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-8-<span class=\"lsab wscb\">12</span> </div></div><div class=\"c wde hdb gs15e\"><div class=\"t m2 x1ba hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">4-7 </div></div><div class=\"c w128 hdb gs15f\"><div class=\"t m2 x1b9 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">-4-7 </div></div><div class=\"c w180 hdb gs160\"><div class=\"t m2 x163 hcc y200f ff1fa fs53 fc21 sc0 lsab wscd\">Periode<span class=\"_ _5\"></span>ns nett<span class=\"_ _5\"></span>o pensj<span class=\"_ _5\"></span>onsk<span class=\"_ _5\"></span>ostnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w15a hdb gs161\"><div class=\"t m2 x209 hcc y200f ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">13</span> </div></div><div class=\"c wde hdb gs162\"><div class=\"t m2 x2d7 hcc y200f ff1fa fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hdb gs163\"><div class=\"t m2 x246 hcc y200f ff1fa fs53 fc21 sc0 ls0 ws0\">2 </div></div><div class=\"c wdd hdb gs164\"><div class=\"t m2 x248 hcc y200f ff1fa fs53 fc21 sc0 ls0 ws0\">-2 </div></div><div class=\"c wdc hdb gs165\"><div class=\"t m2 x247 hcc y200f ff1fa fs53 fc21 sc0 lsab wscb\">13,1<span class=\"ls0 ws0\"> </span></div></div><div class=\"c wdd hdb gs166\"><div class=\"t m2 x1ba hcc y200f ff1fa fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">11</span> </div></div><div class=\"c wde hdb gs167\"><div class=\"t m2 x20e hcc y200f ff1fa fs53 fc21 sc0 lsab wscb\">3,9<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w128 hdb gs168\"><div class=\"t m2 x248 hcc y200f ff1fa fs53 fc21 sc0 ls0 ws0\">-4 </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-428": {
   "value": "Note K21 L\u00f8nn og andr<span class=\"_ _1\"></span>e personalkos<span class=\"_ _1\"></span>tnader<span class=\"_ _1c5\"> </span><table class=\"s w340 h4e8\" id=\"_46fcb9bc-5056-4888-9a39-4131e23a30b7\"><tr><td class=\"c x400 y4175 w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1db fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4175 w6f hd7\"><div class=\"t m2 x204 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4175 w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y4176 w341 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1da fs53 fc21 sc0 lsab wscb\">L\u00f8nnsk<span class=\"_ _5\"></span>ostnad<span class=\"_ _5\"></span>er</div><div class=\"t m2 x498 h121 y3ebb ff1da fs58 fc21 sc0 ls0 ws0\">*<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x493 y4177 w6f hd9\"><div class=\"t m2 x247 hcc y1dc1 ff1da fs53 fc21 sc0 lsb2 wsf1\">(14<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">466</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y4177 w6e hd9\"><div class=\"t m2 x247 hcc y1dc1 ff1da fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">364</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y4178 w71 hdb\"><div class=\"t m2 x19f hcc y2369 ff1da fs53 fc21 sc0 lsab wscb\">Arbeidsgi<span class=\"_ _5\"></span>ver<span class=\"_ _5\"></span>avgift<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4178 w6f hdb\"><div class=\"t m2 x19e hcc y2369 ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">650</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y4178 w6e hdb\"><div class=\"t m2 x19e hcc y2369 ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">434</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y4179 w71 hda\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">Pensjo<span class=\"_ _5\"></span>nskostn<span class=\"_ _5\"></span>ader <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4179 w6f hda\"><div class=\"t m2 x19e hcc y1dae ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">425</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y4179 w6e hda\"><div class=\"t m2 x19e hcc y1dae ff1da fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">097</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y417a w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">Omstill<span class=\"_ _5\"></span>ingskos<span class=\"_ _5\"></span>tnader<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y417a w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">(156)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y417a w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">(440)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y417b w71 hde\"><div class=\"t m2 x19f hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>erson<span class=\"_ _5\"></span>alkostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y417b w6f hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">(725)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y417b w6e hde\"><div class=\"t m2 x1b8 hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">(626)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y417c w71 hd9\"><div class=\"t m2 x19f hdc y2369 ff1d9 fs53 fc21 sc0 lsb3 wsf3\">Sum l\u00f8n<span class=\"_ _5\"></span>n og andr<span class=\"_ _5\"></span>e pers<span class=\"_ _5\"></span>onal<span class=\"_ _5\"></span>kost<span class=\"_ _5\"></span>nader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y417c w6f hd9\"><div class=\"t m2 x247 hdc y2369 ff1d9 fs53 fc21 sc0 lsb2 wsf1\">(20<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">422</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y417c w6e hd9\"><div class=\"t m2 x247 hdc y2369 ff1d9 fs53 fc21 sc0 lsb2 wsf1\">(17<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">961</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y417d w91 hda\"><div class=\"t m2 x19f hd8 y1dc1 ff1db fs53 fc21 sc0 lsb6 wsf8\">*)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x499 y417d w9b hda\"><div class=\"t m2 x19f hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf1\">Herav:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x49a y417d w9c hda\"><div class=\"t m2 x19f hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf2\">Ordin\u00e6<span class=\"_ _5\"></span>r l\u00f8n<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y417d w6f hda\"><div class=\"t m2 x247 hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">617</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y417d w6e hda\"><div class=\"t m2 x247 hd8 y1dc1 ff1db fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">388</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td></td><td class=\"c x49a y417e w9c hdb\"><div class=\"t m2 x19f hd8 y1dae ff1db fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>basert l<span class=\"_ _5\"></span>\u00f8nn<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y417e w6f hdb\"><div class=\"t m2 x19e hd8 y1dae ff1db fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">846</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y417e w6e hdb\"><div class=\"t m2 x19e hd8 y1dae ff1db fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">807</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y417f w71 h136\"><div class=\"t m2 x19f hd1 y200d ff1d9 fs55 fc21 sc0 lsaf wsf6\">Antall ansatte/<span class=\"_ _5\"></span>\u00e5rsverk<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4180 w6f hd7\"><div class=\"t m2 x204 hcc y20f0 ff1da fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4180 w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1da fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4181 w71 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscd\">Antall <span class=\"_ _5\"></span>ansatt<span class=\"_ _5\"></span>e per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4181 w6f hdd\"><div class=\"t m2 x1ba hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>203<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4181 w6e hdd\"><div class=\"t m2 x1ba hcc y1dc1 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>960<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4182 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 ls0 ws0\">- <span class=\"lsab wscd\">herav a<span class=\"_ _5\"></span>ntall <span class=\"_ _5\"></span>ansatt<span class=\"_ _5\"></span>e i utla<span class=\"_ _5\"></span>ndet</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x493 y4182 w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff1da fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">302</span> </div></td><td class=\"c x494 y4182 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff1da fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">607</span> </div></td></tr><tr><td class=\"c x400 y4183 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff1da fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig ant<span class=\"_ _5\"></span>all ansa<span class=\"_ _5\"></span>tte<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4183 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>109<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4183 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff1da fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>005<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4184 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1da fs53 fc21 sc0 lsab wsd0\">Antall \u00e5rsv<span class=\"_ _5\"></span>erk per 31. des<span class=\"_ _5\"></span>embe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4184 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>829<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4184 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>603<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4185 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1da fs53 fc21 sc0 ls0 ws0\">- <span class=\"lsab wscd\">herav a<span class=\"_ _5\"></span>ntall <span class=\"_ _5\"></span>\u00e5rsverk<span class=\"_ _5\"></span> i utla<span class=\"_ _5\"></span>ndet</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x493 y4185 w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff1da fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">280</span> </div></td><td class=\"c x494 y4185 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1da fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">593</span> </div></td></tr><tr><td class=\"c x400 y4186 w71 hde\"><div class=\"t m2 x19f hcc y2401 ff1da fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig ant<span class=\"_ _5\"></span>all \u00e5rsv<span class=\"_ _5\"></span>erk<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x493 y4186 w6f hde\"><div class=\"t m2 x1ba hcc y2401 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>756<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4186 w6e hde\"><div class=\"t m2 x1ba hcc y2401 ff1da fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>641<span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-429": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K22 Andr<span class=\"_ _1\"></span>e kos<span class=\"_ _1\"></span>tnader<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w342 h4e9\" id=\"_92beef4d-8095-40b8-a892-520a9bd6b5fb\"><tr><td class=\"c x425 y4187 w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1e6 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4187 w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1e4 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4187 w6e hd7\"><div class=\"t m2 x204 hcc y1dae ff1e4 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4188 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">Honora<span class=\"_ _5\"></span>rer <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4188 w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(832)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4188 w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(695)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4189 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff1e4 fs53 fc21 sc0 lsaa wscd\">IT<span class=\"ls0 ws0\">-<span class=\"lsab wscb\">kostna<span class=\"_ _5\"></span>der</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\"> <span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x44e y4189 w6e hda\"><div class=\"t m2 x19e hcc y1da9 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">614</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y4189 w6e hda\"><div class=\"t m2 x19e hcc y1da9 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">772</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x425 y418a w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1e4 fs53 fc21 sc0 lsab wscd\">Porto o<span class=\"_ _5\"></span>g telekom<span class=\"_ _5\"></span>muni<span class=\"_ _5\"></span>kasj<span class=\"_ _5\"></span>on<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y418a w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1e4 fs53 fc21 sc0 lsab wscb\">(131)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y418a w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1e4 fs53 fc21 sc0 lsab wscb\">(108)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y418b w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff1e4 fs53 fc21 sc0 ls0 ws0\">Rekvisita </div></td><td></td><td class=\"c x44e y418b w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y418b w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(23)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y418c w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscd\">Markeds<span class=\"_ _5\"></span>f\u00f8ring o<span class=\"_ _5\"></span>g inf<span class=\"_ _5\"></span>ormasj<span class=\"_ _5\"></span>on<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y418c w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(999)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y418c w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(913)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y418d w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">Reisek<span class=\"_ _5\"></span>ostnad<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y418d w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(297)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y418d w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(251)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y418e w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1e4 fs53 fc21 sc0 lsab wscb\">Oppl\u00e6<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y418e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(82)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y418e w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(89)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y418f w343 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1e4 fs53 fc21 sc0 lsab wscd\">Driftsk<span class=\"_ _5\"></span>ostnad<span class=\"_ _5\"></span>er eie<span class=\"_ _5\"></span>ndomm<span class=\"_ _5\"></span>er og lo<span class=\"_ _5\"></span>kaler</div><div class=\"t m2 x49b h121 y3ebb ff1e4 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x44e y4190 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1e4 fs53 fc21 sc0 lsab wscb\">(480)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4190 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff1e4 fs53 fc21 sc0 lsab wscb\">(400)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4191 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscd\">Driftsk<span class=\"_ _5\"></span>ostnad<span class=\"_ _5\"></span>er mask<span class=\"_ _5\"></span>iner,<span class=\"_ _5\"></span> transpo<span class=\"_ _5\"></span>rtmidl<span class=\"_ _5\"></span>er og i<span class=\"_ _5\"></span>nventa<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4191 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4191 w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff1e4 fs53 fc21 sc0 lsb2 wsf1\">(27)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4192 w344 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff1e4 fs53 fc21 sc0 lsab wscd\">\u00d8vrige d<span class=\"_ _5\"></span>riftsk<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der</div><div class=\"t m2 x49c h121 y3ebb ff1e4 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x44e y4193 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(806)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4193 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1e4 fs53 fc21 sc0 lsab wscb\">(614)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4194 w98 hdd\"><div class=\"t m2 x19f hdc y1db0 ff1e5 fs53 fc21 sc0 lsb3 wsf1\">Sum a<span class=\"_ _5\"></span>ndre<span class=\"_ _5\"></span> kos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4194 w6e hdd\"><div class=\"t m2 x247 hdc y1db0 ff1e5 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">302</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y4194 w6e hdd\"><div class=\"t m2 x19e hdc y1db0 ff1e5 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">893</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1e6 fs53 fc21 sc0 ls0 ws0\">1</div></td><td class=\"c x410 y3eae w345 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1e6 fs53 fc21 sc0 lsab wscd\">Kost<span class=\"_ _5\"></span>nader f<span class=\"_ _5\"></span>or leid<span class=\"_ _5\"></span>e lok<span class=\"_ _5\"></span>aler ut<span class=\"_ _5\"></span>gjorde 8<span class=\"_ _5\"></span>89 m<span class=\"_ _5\"></span>illioner<span class=\"_ _5\"></span> kron<span class=\"_ _5\"></span>er i 2025 <span class=\"_ _5\"></span>og 84<span class=\"_ _5\"></span>9 mill<span class=\"_ _5\"></span>ioner i<span class=\"_ _5\"></span> 2024.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1e6 fs53 fc21 sc0 ls0 ws0\">2</div></td><td class=\"c x410 y3e64 w346 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff1e6 fs53 fc21 sc0 lsab wscd\">Kost<span class=\"_ _5\"></span>nader k<span class=\"_ _5\"></span>nyttet t<span class=\"_ _5\"></span>il kj\u00f8<span class=\"_ _5\"></span>p av kl<span class=\"_ _5\"></span>imakv<span class=\"_ _5\"></span>oter ut<span class=\"_ _5\"></span>gjorde<span class=\"_ _5\"></span> 4 milli<span class=\"_ _5\"></span>oner kr<span class=\"_ _5\"></span>oner i <span class=\"_ _5\"></span>2025 <span class=\"_ _5\"></span>og 3 m<span class=\"_ _5\"></span>illioner<span class=\"_ _5\"></span> i 202<span class=\"_ _5\"></span>4.</div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-447": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs13f\">Note K23 A<span class=\"_ _2\"></span>vskrivninger og nedskrivninger varige og immaterielle eiendeler<span class=\"_ _1c5\"> </span></div><div class=\"gs10f\"><table class=\"s w347 h4ea\" id=\"_8e7c5c4c-5c33-411a-8327-5e96d2e7be9d\"><tr><td class=\"c x45e y4195 w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1f0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4195 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4195 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4196 w98 hd9\"><div class=\"t m2 x19f hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscd\">Avskrivni<span class=\"_ _5\"></span>nger m<span class=\"_ _5\"></span>askin<span class=\"_ _5\"></span>er, inv<span class=\"_ _5\"></span>entar <span class=\"_ _5\"></span>og tra<span class=\"_ _5\"></span>nsportm<span class=\"_ _5\"></span>idler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4196 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff1ee fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">352</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y4196 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff1ee fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">490</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4197 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ee fs53 fc21 sc0 lsab wsd0\">Avskrivni<span class=\"_ _5\"></span>nger av bru<span class=\"_ _5\"></span>ksretts<span class=\"_ _5\"></span>eie<span class=\"_ _5\"></span>ndeler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4197 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(653)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4197 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(588)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4198 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscd\">\u00d8vrige a<span class=\"_ _5\"></span>vskri<span class=\"_ _5\"></span>vninge<span class=\"_ _5\"></span>r materi<span class=\"_ _5\"></span>elle o<span class=\"_ _5\"></span>g imm<span class=\"_ _5\"></span>aterielle<span class=\"_ _5\"></span> eiend<span class=\"_ _5\"></span>eler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4198 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(724)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4198 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(541)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4199 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscd\">Nedskri<span class=\"_ _5\"></span>vning<span class=\"_ _5\"></span>er vari<span class=\"_ _5\"></span>ge og im<span class=\"_ _5\"></span>materi<span class=\"_ _5\"></span>elle <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4199 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1ee fs53 fc21 sc0 lsb2 wsf1\">(23)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4199 w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y419a w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1ef fs53 fc21 sc0 lsab wsd0\">Sum avskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger og nedskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger varige og im<span class=\"_ _5\"></span>mater<span class=\"_ _5\"></span>ielle eie<span class=\"_ _5\"></span>ndeler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y419a w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1ef fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">751</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y419a w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1ef fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">594</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table></div><div class=\"c w111 h1c5 gs143\"><div class=\"t m2 x248 hcf y284b ff1ee fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y284c ff1ee fs55 fc21 sc0 lsaf wsf6\">Se note K37 Immateriell<span class=\"_ _5\"></span>e eiendeler og note K38 <span class=\"_ _1\"></span>Varige drift<span class=\"_ _5\"></span>smidler.<span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-463": {
   "value": "Note K23 A<span class=\"_ _2\"></span>vskrivninger og nedskrivninger varige og immaterielle eiendeler<span class=\"_ _1c5\"> </span><table class=\"s w347 h4ea\" id=\"_8e7c5c4c-5c33-411a-8327-5e96d2e7be9d\"><tr><td class=\"c x45e y4195 w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1f0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4195 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4195 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4196 w98 hd9\"><div class=\"t m2 x19f hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscd\">Avskrivni<span class=\"_ _5\"></span>nger m<span class=\"_ _5\"></span>askin<span class=\"_ _5\"></span>er, inv<span class=\"_ _5\"></span>entar <span class=\"_ _5\"></span>og tra<span class=\"_ _5\"></span>nsportm<span class=\"_ _5\"></span>idler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4196 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff1ee fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">352</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y4196 w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff1ee fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">490</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4197 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1ee fs53 fc21 sc0 lsab wsd0\">Avskrivni<span class=\"_ _5\"></span>nger av bru<span class=\"_ _5\"></span>ksretts<span class=\"_ _5\"></span>eie<span class=\"_ _5\"></span>ndeler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4197 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(653)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4197 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(588)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4198 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscd\">\u00d8vrige a<span class=\"_ _5\"></span>vskri<span class=\"_ _5\"></span>vninge<span class=\"_ _5\"></span>r materi<span class=\"_ _5\"></span>elle o<span class=\"_ _5\"></span>g imm<span class=\"_ _5\"></span>aterielle<span class=\"_ _5\"></span> eiend<span class=\"_ _5\"></span>eler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4198 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(724)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4198 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff1ee fs53 fc21 sc0 lsab wscb\">(541)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4199 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscd\">Nedskri<span class=\"_ _5\"></span>vning<span class=\"_ _5\"></span>er vari<span class=\"_ _5\"></span>ge og im<span class=\"_ _5\"></span>materi<span class=\"_ _5\"></span>elle <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4199 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff1ee fs53 fc21 sc0 lsb2 wsf1\">(23)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4199 w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff1ee fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y419a w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1ef fs53 fc21 sc0 lsab wsd0\">Sum avskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger og nedskri<span class=\"_ _5\"></span>vnin<span class=\"_ _5\"></span>ger varige og im<span class=\"_ _5\"></span>mater<span class=\"_ _5\"></span>ielle eie<span class=\"_ _5\"></span>ndeler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y419a w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1ef fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">751</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y419a w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1ef fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">594</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table>Se note K37 Immateriell<span class=\"_ _5\"></span>e eiendeler og note K38 <span class=\"_ _1\"></span>Varige drift<span class=\"_ _5\"></span>smidler.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-430": {
   "value": "Note K24 P<span class=\"_ _1\"></span>ensjoner<span class=\"_ _1c5\"> </span>Beskriv<span class=\"_ _5\"></span>else av p<span class=\"_ _5\"></span>ensjonso<span class=\"_ _5\"></span>rdning<span class=\"_ _5\"></span>ene <span class=\"ls0 ws0\"> </span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet har innsk<span class=\"_ _5\"></span>uddspensjon for alle medarbeidere i Norge, med unnt<span class=\"_ _5\"></span>ak av de om<span class=\"_ _1\"></span> lag 170 ansatte fra tidligere P<span class=\"_ _5\"></span>ostbanken so<span class=\"lscd ws12a\">m er </span></span></span>dekket gjennom en lukket, kollekt<span class=\"_ _5\"></span>iv pensjonsavtale i Statens Pensjonskass<span class=\"_ _5\"></span>e.<span class=\"ls0 ws0\"> </span>Innskuddssats<span class=\"_ _5\"></span>ene er:<span class=\"ls0 ws0\"> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">L\u00f8nn t<span class=\"_ _5\"></span>ilsvarende 0 til 7,1 ganger G: 7 prosent</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">L\u00f8nn t<span class=\"_ _5\"></span>ilsvarende 7,1 til 12 ganger G: 15 prosent</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">Kons<span class=\"_ _5\"></span>ernet har ikke innskuddspensjonsordning f<span class=\"_ _5\"></span>or l\u00f8nn over 12G (utover lukket ordning for ansatte fra f\u00f8r 2008).</span> </span>Ansatte som var omfattet av de tidligere ytels<span class=\"_ _5\"></span>esbaserte pensjonsordningene (avv<span class=\"_ _5\"></span>iklet i perioden 2015 til 2017) har i tillegg <span class=\"wsd2\">en kompensasjons<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>ordning som er utformet som en supplerende innsk<span class=\"_ _5\"></span>uddsbasert driftspensjons<span class=\"_ _5\"></span>ordning.<span class=\"ls0 ws0\"> </span>Spareplanen i kompens<span class=\"_ _5\"></span>asjonsordningen har etter forutsetni<span class=\"_ _5\"></span>nger som ble besluttet p\u00e5 omdanningstidspunktene, som m\u00e5l \u00e5 gi den e<span class=\"wscf\">nkelte </span>ansatte ved fylte 67 \u00e5r en samlet pensjonskapit<span class=\"_ _5\"></span>al tilsvarende det den ansatte ville hatt dersom ytelsespensjons<span class=\"_ _5\"></span>avtalene hadd<span class=\"wsd2\">e blitt v<span class=\"_ _5\"></span>ideref\u00f8rt. </span>B\u00e5de opptjening og avkastni<span class=\"_ _5\"></span>ng finansieres over driften.<span class=\"ls0 ws0\"> </span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet har uf<span class=\"_ _5\"></span>\u00f8repensjon for alle medarbeidere i Norge. Uf\u00f8repensjonsordni<span class=\"_ _5\"></span>ngen er:</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">3 pros<span class=\"_ _5\"></span>ent av pensjonsgrunnlaget opp til 12G</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">25 pros<span class=\"_ _5\"></span>ent av G, maksimalt 6 prosent av pensjonsgrunnlaget, opp til 12G</span> </span><span class=\"ff1f2\"> <span class=\"_ _108\"> </span><span class=\"lsaf wsf6\">66 pros<span class=\"_ _5\"></span>ent av pensjonsgrunnlaget i intervallet 6</span>-<span class=\"lsaf wscf\">12G</span> </span>Konsernets norsk<span class=\"_ _5\"></span>e selskaper er med i Fellesordningen for avtalefestet pens<span class=\"_ _5\"></span>jon, AFP. Det er i tillegg avtale om AFP etter regl<span class=\"wsd2\">er for statl<span class=\"_ _5\"></span>ig sektor </span>for ans<span class=\"_ _5\"></span>atte med medlemsk<span class=\"_ _5\"></span>ap i Statens<span class=\"_ _5\"></span> Pensjonskasse.<span class=\"ls0 ws0\"> </span>Den private AFP<span class=\"ls0 ws0\">-</span>ordningen vil bl<span class=\"_ _5\"></span>i finansiert gjennom en \u00e5rlig premie som fastsettes som en prosent av l\u00f8nn mellom 1 og 7,1G<span class=\"_ _1c5\"> </span>Pensjonsk<span class=\"_ _5\"></span>ostnader og <span class=\"ls0 ws0\">-</span>forpliktelser inkluderer arbeids<span class=\"_ _5\"></span>giveravgift og finansskatt.<span class=\"ls0 ws0\"> </span>Datterselskaper og fil<span class=\"_ _5\"></span>ialer utenfor Norge har egne ordninger for sine ansatte, som i hovedsak er innskuddsbasert<span class=\"_ _5\"></span>e pensjonsord<span class=\"wscf\">ninger.<span class=\"ls0 ws0\"> </span></span>Pensjonsk<span class=\"_ _5\"></span>ostnaden for ansatte utenfor Norge utgjorde 433 milli<span class=\"_ _5\"></span>oner kroner.<span class=\"ls0 ws0\"> </span>\u00d8konomiske foruts<span class=\"_ _5\"></span>etninger som er benyttet ved beregning av pensjonskostnader og <span class=\"ls0 ws0\">-</span>forplikt<span class=\"_ _5\"></span>elser er gjort i samsvar med veiledningen fra Norsk regnskapsstift<span class=\"_ _5\"></span>else per 31. desember 2025. <span class=\"ls0 ws0\"> </span><table class=\"s w348 h4eb\" id=\"_5a1e1c19-1a23-486b-8e42-93e40d60da1d\"><tr><td class=\"c x400 y419b we4 h139\"><div class=\"t m2 x19f hd1 y28ee ff1f9 fs55 fc21 sc0 lsaf wscf\">Pensjonskostnad<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y419c we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1fb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419c wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419c w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y419d we4 h1dc\"><div class=\"t m2 x19f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscd\">N\u00e5verdi <span class=\"_ _5\"></span>av \u00e5re<span class=\"_ _5\"></span>ts pensj<span class=\"_ _5\"></span>onsop<span class=\"_ _5\"></span>ptjeni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419d wde h1dc\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(773)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419d w128 h1dc\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(657)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y419e we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wsd0\">Rentekos<span class=\"_ _5\"></span>tnad p\u00e5 pe<span class=\"_ _5\"></span>nsjonsf<span class=\"_ _5\"></span>orplik<span class=\"_ _5\"></span>telsen<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419e wde hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(109)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419e w128 hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(111)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y419f we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wsd0\">Beregn<span class=\"_ _5\"></span>et avkastni<span class=\"_ _5\"></span>ng p\u00e5 pens<span class=\"_ _5\"></span>jonsm<span class=\"_ _5\"></span>idlene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y419f wde hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y419f w128 hde\"><div class=\"t m2 x2d7 hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a0 we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">Admini<span class=\"_ _5\"></span>strasjo<span class=\"_ _5\"></span>nskostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a0 wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a0 w128 hdb\"><div class=\"t m2 x20e hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a1 we4 hd9\"><div class=\"t m2 x19f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscd\">Sum ytel<span class=\"_ _5\"></span>sesb<span class=\"_ _5\"></span>aserte or<span class=\"_ _5\"></span>dning<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a1 wde hd9\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(823)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a1 w128 hd9\"><div class=\"t m2 x20f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscb\">(712)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a2 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Avtalef<span class=\"_ _5\"></span>estet p<span class=\"_ _5\"></span>ensjon<span class=\"_ _5\"></span>, ny or<span class=\"_ _5\"></span>dning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a2 wde hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(176)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a2 w128 hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(175)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a3 we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsa7 wsc9\">Risikopremie<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a3 wde hde\"><div class=\"t m2 x1b9 hcc y1da9 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(80)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a3 w128 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(77)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a4 we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>dsbase<span class=\"_ _5\"></span>rte o<span class=\"_ _5\"></span>rdning<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a4 wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">347</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x469 y41a4 w128 hdb\"><div class=\"t m2 x329 hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">132</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y41a5 we4 hd9\"><div class=\"t m2 x19f hcc y2369 ff1fa fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsk<span class=\"_ _5\"></span>ost<span class=\"_ _5\"></span>nader<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a5 wde hd9\"><div class=\"t m2 x329 hcc y2369 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">425</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x469 y41a5 w128 hd9\"><div class=\"t m2 x329 hcc y2369 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">097</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x400 y41a6 we4 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff1f9 fs55 fc21 sc0 lsaf wscf\">Pensjonsforpli<span class=\"_ _5\"></span>ktelser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y41a7 we4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff1fb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41a7 w128 hd7\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41a8 we4 h1dc\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Inng\u00e5end<span class=\"_ _5\"></span>e bala<span class=\"_ _5\"></span>nse <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a8 wde h1dc\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">062</span> </div></td><td class=\"c x469 y41a8 w128 h1dc\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">446</span> </div></td></tr><tr><td class=\"c x400 y41a9 we4 h11d\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41a9 wde h11d\"><div class=\"t m2 x2d7 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41aa we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wsd0\">\u00c5rets opptj<span class=\"_ _5\"></span>enin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41aa wde hde\"><div class=\"t m2 x19e hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">773<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41aa w128 hde\"><div class=\"t m2 x19e hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">657<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ab we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wsd0\">\u00c5rets rente<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ab wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41ab w128 hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ac we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsaa ws0\">Aktuarielt <span class=\"_ _5\"></span>tap, nett<span class=\"_ _5\"></span>o<span class=\"ls0\"> </span></div></td><td class=\"c x468 y41ac wde hda\"><div class=\"t m2 x1b9 hcc y1db0 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41ac w128 hda\"><div class=\"t m2 x19e hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ad we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring av<span class=\"_ _5\"></span> britisk <span class=\"_ _5\"></span>pensj<span class=\"_ _5\"></span>onsordni<span class=\"_ _5\"></span>ng\u00b9<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ad wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(382)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41ae we4 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscd\">Utbetali<span class=\"_ _5\"></span>ng til <span class=\"_ _5\"></span>pensjo<span class=\"_ _5\"></span>niste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ae wde hde\"><div class=\"t m2 x20f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41ae w128 hde\"><div class=\"t m2 x20f hcc y1da9 ff1fa fs53 fc21 sc0 lsab wscb\">(303)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41af we4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urseff<span class=\"_ _5\"></span>ekter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41af wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(105)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41af w128 hdb\"><div class=\"t m2 x246 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">6 </div></td></tr><tr><td class=\"c x400 y41b0 we4 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wsd0\">Utg\u00e5en<span class=\"_ _5\"></span>de balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b0 wde hdd\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">053</span> </div></td><td class=\"c x469 y41b0 w128 hdd\"><div class=\"t m2 x209 hcc y1db0 ff1fa fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">062</span> </div></td></tr><tr><td class=\"c x400 y41b1 we4 h139\"><div class=\"t m2 x19f hd1 y2193 ff1f9 fs55 fc21 sc0 lsaf wscf\">Pensjonsmidler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y41b2 we4 hd7\"><div class=\"t m2 x19f hd8 y1dae ff1fb fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b2 wde hd7\"><div class=\"t m2 x20f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b2 w128 hd7\"><div class=\"t m2 x20f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b3 we4 h1dc\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscd\">Inng\u00e5end<span class=\"_ _5\"></span>e bala<span class=\"_ _5\"></span>nse<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b3 wde h1dc\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">468</span> </div></td><td class=\"c x469 y41b3 w128 h1dc\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">102</span> </div></td></tr><tr><td class=\"c x400 y41b4 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Beregn<span class=\"_ _5\"></span>et avkas<span class=\"_ _5\"></span>tning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b4 wde hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b4 w128 hda\"><div class=\"t m2 x2d7 hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b5 we4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscd\">Aktuari<span class=\"_ _5\"></span>ell gevi<span class=\"_ _5\"></span>nst/<span class=\"_ _5\"></span>(tap), ne<span class=\"_ _5\"></span>tto<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b5 wde hde\"><div class=\"t m2 x2d7 hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b5 w128 hde\"><div class=\"t m2 x19e hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b6 we4 hdb\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring av<span class=\"_ _5\"></span> britisk <span class=\"_ _5\"></span>pensj<span class=\"_ _5\"></span>onsordni<span class=\"_ _5\"></span>ng\u00b9<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b6 wde hdb\"><div class=\"t m2 x20f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">(382)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41b7 we4 hdb\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscd\">Innbet<span class=\"_ _5\"></span>aling p<span class=\"_ _5\"></span>remier<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b7 wde hdb\"><div class=\"t m2 x2d7 hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">64<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b7 w128 hdb\"><div class=\"t m2 x19e hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">121<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b8 we4 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscd\">Utbetali<span class=\"_ _5\"></span>ng pens<span class=\"_ _5\"></span>joner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b8 wde hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(144)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b8 w128 hda\"><div class=\"t m2 x20f hcc y1db0 ff1fa fs53 fc21 sc0 lsab wscb\">(112)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41b9 we4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscb\">Admini<span class=\"_ _5\"></span>strasjo<span class=\"_ _5\"></span>nskostn<span class=\"_ _5\"></span>ader<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41b9 wde hde\"><div class=\"t m2 x20e hcc y1dc1 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x469 y41b9 w128 hde\"><div class=\"t m2 x20e hcc y1dc1 ff1fa fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y41ba we4 hdb\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urseff<span class=\"_ _5\"></span>ekter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41ba wde hdb\"><div class=\"t m2 x1b9 hcc y1dae ff1fa fs53 fc21 sc0 lsb2 wsf1\">(97)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x400 y41bb we4 hd9\"><div class=\"t m2 x19f hcc y1dae ff1fa fs53 fc21 sc0 lsab wsd0\">Utg\u00e5en<span class=\"_ _5\"></span>de balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41bb wde hd9\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">996</span> </div></td><td class=\"c x469 y41bb w128 hd9\"><div class=\"t m2 x209 hcc y1dae ff1fa fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">468</span> </div></td></tr><tr><td class=\"c x400 y41bc we4 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff1fa fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsf<span class=\"_ _5\"></span>orpli<span class=\"_ _5\"></span>ktelser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x468 y41bc wde hdd\"><div class=\"t m2 x209 hcc y1dc1 ff1fa fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">057</span> </div></td><td class=\"c x469 y41bc w128 hdd\"><div class=\"t m2 x209 hcc y1dc1 ff1fa fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">594</span> </div></td></tr></table>1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">I 20<span class=\"_ _5\"></span>22 ble <span class=\"_ _5\"></span>den yt<span class=\"_ _5\"></span>elsesba<span class=\"_ _5\"></span>serte <span class=\"_ _5\"></span>pensjo<span class=\"_ _5\"></span>nsord<span class=\"_ _5\"></span>ninge<span class=\"_ _5\"></span>n i DNBs <span class=\"_ _5\"></span>Lond<span class=\"_ _5\"></span>on</span>-<span class=\"lsab wscd\">filial <span class=\"_ _5\"></span>gjenst<span class=\"_ _5\"></span>and for <span class=\"_ _5\"></span>en avt<span class=\"_ _5\"></span>ale om<span class=\"_ _5\"></span> dekni<span class=\"_ _5\"></span>ngskj<span class=\"_ _5\"></span>\u00f8p med <span class=\"_ _5\"></span>en ekst<span class=\"_ _5\"></span>ern p<span class=\"_ _5\"></span>art, med i<span class=\"_ _5\"></span>ntens<span class=\"_ _5\"></span>jon om <span class=\"_ _5\"></span>\u00e5 </span>overf\u00f8re <span class=\"_ _5\"></span>hele o<span class=\"_ _5\"></span>rdnin<span class=\"_ _5\"></span>gen til<span class=\"_ _5\"></span> denne <span class=\"_ _5\"></span>parte<span class=\"_ _5\"></span>n. I fjer<span class=\"_ _5\"></span>de kva<span class=\"_ _5\"></span>rtal 20<span class=\"_ _5\"></span>25 ble <span class=\"_ _5\"></span>de re<span class=\"_ _5\"></span>sterend<span class=\"_ _5\"></span>e pensj<span class=\"_ _5\"></span>onsmi<span class=\"_ _5\"></span>dlene<span class=\"_ _5\"></span> og forpl<span class=\"_ _5\"></span>iktels<span class=\"_ _5\"></span>ene ov<span class=\"_ _5\"></span>erf\u00f8rt. D<span class=\"_ _5\"></span>ette er <span class=\"_ _5\"></span>prese<span class=\"_ _5\"></span>ntert <span class=\"_ _5\"></span>som \"Ov<span class=\"_ _5\"></span>erf\u00f8r<span class=\"_ _5\"></span>ing av britis<span class=\"_ _5\"></span>k pens<span class=\"_ _5\"></span>jonso<span class=\"_ _5\"></span>rdnin<span class=\"_ _5\"></span>g\". Ordni<span class=\"_ _5\"></span>ngen <span class=\"_ _5\"></span>hadde i<span class=\"_ _5\"></span>ngen <span class=\"_ _5\"></span>effekt<span class=\"_ _5\"></span>er p\u00e5 res<span class=\"_ _5\"></span>ultat<span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apet fo<span class=\"_ _5\"></span>r 202<span class=\"_ _5\"></span>5.<span class=\"ls0 ws0\"> </span>Sensitivit<span class=\"_ _5\"></span>etsan<span class=\"_ _5\"></span>alyse pens<span class=\"_ _5\"></span>jonsbereg<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>F\u00f8lgende estimater er basert<span class=\"_ _5\"></span> p\u00e5 fakta og omstendigheter per 31. desember 2025, forutsatt at alle andre parametre er konstante<span class=\"lsbf wsff\">. Fakt<span class=\"_ _1\"></span>iske </span>resultat<span class=\"_ _5\"></span>er kan i vesentlig grad avvike fra disse estimatene.<span class=\"ls0 ws0\"> </span>\u00c5rlig l<span class=\"_ _5\"></span>\u00f8nnsvek<span class=\"_ _5\"></span>st/<span class=\"ls0 ws0\"> </span>\u00c5rlig r<span class=\"_ _5\"></span>eguleri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>Diskon<span class=\"_ _5\"></span>terings<span class=\"_ _5\"></span>rente <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span> <span class=\"lsab wscb\">grunnbel<span class=\"_ _5\"></span>\u00f8p</span> av pensj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Leveald<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span>Endring i<span class=\"_ _5\"></span> prose<span class=\"_ _5\"></span>ntpoe<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>+1%<span class=\"ls0 ws0\"> </span>-<span class=\"lsab wscb\">1%</span> +1%<span class=\"ls0 ws0\"> </span>-<span class=\"lsab wscb\">1%</span> +1%<span class=\"ls0 ws0\"> </span>-<span class=\"lsab wscb\">1%</span> +1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>-<span class=\"lsab wsd0\">1 \u00e5r</span> Prosentvi<span class=\"_ _5\"></span>s en<span class=\"_ _5\"></span>dring i<span class=\"_ _5\"></span> pensjo<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span>Pensjo<span class=\"_ _5\"></span>nsforpl<span class=\"_ _5\"></span>iktels<span class=\"_ _5\"></span>e (PBO)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>-8-<span class=\"lsab wscb\">12</span> 10<span class=\"ls0 ws0\">-</span>18<span class=\"ls0 ws0\"> </span>0,8<span class=\"ls0 ws0\"> </span>-<span class=\"lsab wscb\">0.8</span> 10<span class=\"ls0 ws0\">-</span>14<span class=\"ls0 ws0\"> </span>-8-<span class=\"lsab wscb\">12</span> 4-7 -4-7 Periode<span class=\"_ _5\"></span>ns nett<span class=\"_ _5\"></span>o pensj<span class=\"_ _5\"></span>onsk<span class=\"_ _5\"></span>ostnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>-<span class=\"lsab wscb\">13</span> 16<span class=\"ls0 ws0\"> </span>2 -2 13,1<span class=\"ls0 ws0\"> </span>-<span class=\"lsab wscb\">11</span> 3,9<span class=\"ls0 ws0\"> </span>-4",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-17": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktssk<span class=\"_ _5\"></span>att <span class=\"ls0 ws0\"> </span>\u00c5rets skattekostnad omfatt<span class=\"_ _5\"></span>er betalbar skatt for inntekts\u00e5ret<span class=\"_ _5\"></span>, eventuell betalbar skatt for tidligere \u00e5r samt endring i utsatt<span class=\"ls0 ws0\"> </span>sk<span class=\"_ _5\"></span>att p\u00e5 midlertidige forskjell<span class=\"_ _5\"></span>er. Midlertidige forskjell<span class=\"_ _5\"></span>er er forskjeller mellom balansef\u00f8rt verdi av en eiendel<span class=\"_ _5\"></span> eller en forpliktelse og eiendelens eller forpliktels<span class=\"_ _5\"></span>ens skattemessi<span class=\"_ _5\"></span>ge verdi. <span class=\"ls0 ws0\"> </span>De vesentligst<span class=\"_ _5\"></span>e midlertidige forskjellene er knyttet til verdiendri<span class=\"_ _5\"></span>nger p\u00e5 finansielle ei<span class=\"_ _5\"></span>endeler og gjeld, verdiendringer p\u00e5 investeringsei<span class=\"_ _5\"></span>endom, pensjoner, avskriv<span class=\"_ _5\"></span>ninger p\u00e5 driftsmidler og eiendommer og nedskrivning p\u00e5 goodwill<span class=\"_ _5\"></span>. Utsatt skatt p\u00e5 investeringsei<span class=\"_ _5\"></span>endommer er basert p\u00e5 en forventni<span class=\"_ _5\"></span>ng om at eiendomsverdier vil gjenvinnes ved salg av eiendommen. Utsatt skatt fastsettes ved bruk av skattesats<span class=\"_ _5\"></span>er og skatteregler som gjelder p\u00e5 balansedagen, ell<span class=\"_ _5\"></span>er som med overveiende sannsynlighet ventes vedtatt, <span class=\"_ _5\"></span>og som antas \u00e5 <span class=\"_ _1\"></span>v\u00e6re gjeldende n\u00e5r den utsatt<span class=\"_ _5\"></span>e skattefordelen real<span class=\"_ _5\"></span>iseres eller n\u00e5r den utsatte skatten skal gj\u00f8res opp.<span class=\"ls0 ws0\"> </span>Konsernet innregner skattef<span class=\"_ _5\"></span>orpliktelser knytt<span class=\"_ _5\"></span>et til framtidige avgj\u00f8relser i skattesaker basert<span class=\"_ _5\"></span> p\u00e5 estimater for endret inntektsskatt. Ved vurdering av innregning av usikre skattef<span class=\"_ _5\"></span>orpliktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig.<span class=\"ls0 ws0\"> </span>Utsatt skattefordel<span class=\"_ _5\"></span> blir balansef\u00f8rt i den utstrekning det er sannsynlig at den vil kunne utnyttes mot framtidig sk<span class=\"_ _5\"></span>attepliktig inntekt. Utsatt skatt<span class=\"_ _5\"></span> og utsatt skattef<span class=\"_ _5\"></span>ordel i samme skattekonsern blir presentert netto i balansen.<span class=\"ls0 ws0\"> </span>Betalbar og utsatt skatt knyttet t<span class=\"_ _5\"></span>il \u00f8vrige resultatelementer blir pres<span class=\"_ _5\"></span>entert netto sammen med tilh\u00f8rende inntekt eller kostn<span class=\"wsd2\">ad i t<span class=\"_ _5\"></span>otal<span class=\"lsbd ws104\">r<span class=\"_ _5\"></span>es<span class=\"_ _5\"></span>ul<span class=\"_ _5\"></span>tate<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-408": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K25 Sk<span class=\"_ _1\"></span>att<span class=\"_ _1c5\"> </span></div><div class=\"c w111 h1db gs16a\"><div class=\"t m2 x248 hcf y28a2 ff1fc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y28a3 ff1fd fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 h12c y28a4 ff1fd fs59 fc21 sc0 lscb ws122\">Innte<span class=\"_ _5\"></span>ktssk<span class=\"_ _5\"></span>att <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y28a5 ff1fc fs55 fc21 sc0 lsaf wsf6\">\u00c5rets skattekostnad omfatt<span class=\"_ _5\"></span>er betalbar skatt for inntekts\u00e5ret<span class=\"_ _5\"></span>, eventuell betalbar skatt for tidligere \u00e5r samt endring i utsatt<span class=\"ls0 ws0\"> </span>sk<span class=\"_ _5\"></span>att p\u00e5 midlertidige </div><div class=\"t m2 x248 hcf y28a6 ff1fc fs55 fc21 sc0 lsaf wsf6\">forskjell<span class=\"_ _5\"></span>er. Midlertidige forskjell<span class=\"_ _5\"></span>er er forskjeller mellom balansef\u00f8rt verdi av en eiendel<span class=\"_ _5\"></span> eller en forpliktelse og eiendelens eller forpliktels<span class=\"_ _5\"></span>ens </div><div class=\"t m2 x248 hcf y28a7 ff1fc fs55 fc21 sc0 lsaf wsd2\">skattemessi<span class=\"_ _5\"></span>ge verdi. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y28a8 ff1fc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y28a9 ff1fc fs55 fc21 sc0 lsaf wsf6\">De vesentligst<span class=\"_ _5\"></span>e midlertidige forskjellene er knyttet til verdiendri<span class=\"_ _5\"></span>nger p\u00e5 finansielle ei<span class=\"_ _5\"></span>endeler og gjeld, verdiendringer p\u00e5 investeringsei<span class=\"_ _5\"></span>endom, </div><div class=\"t m2 x248 hcf y28aa ff1fc fs55 fc21 sc0 lsaf wsf6\">pensjoner, avskriv<span class=\"_ _5\"></span>ninger p\u00e5 driftsmidler og eiendommer og nedskrivning p\u00e5 goodwill<span class=\"_ _5\"></span>. Utsatt skatt p\u00e5 investeringsei<span class=\"_ _5\"></span>endommer er basert p\u00e5 en </div><div class=\"t m2 x248 hcf y28ab ff1fc fs55 fc21 sc0 lsaf wsf6\">forventni<span class=\"_ _5\"></span>ng om at eiendomsverdier vil gjenvinnes ved salg av eiendommen. Utsatt skatt fastsettes ved bruk av skattesats<span class=\"_ _5\"></span>er og skatteregler som </div><div class=\"t m2 x248 hcf y28ac ff1fc fs55 fc21 sc0 lsaf wsf6\">gjelder p\u00e5 balansedagen, ell<span class=\"_ _5\"></span>er som med overveiende sannsynlighet ventes vedtatt, <span class=\"_ _5\"></span>og som antas \u00e5 <span class=\"_ _1\"></span>v\u00e6re gjeldende n\u00e5r den utsatt<span class=\"_ _5\"></span>e </div><div class=\"t m2 x248 hcf y28ad ff1fc fs55 fc21 sc0 lsaf wsf6\">skattefordelen real<span class=\"_ _5\"></span>iseres eller n\u00e5r den utsatte skatten skal gj\u00f8res opp.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y28ae ff1fc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y28af ff1fc fs55 fc21 sc0 lsaf wsf6\">Konsernet innregner skattef<span class=\"_ _5\"></span>orpliktelser knytt<span class=\"_ _5\"></span>et til framtidige avgj\u00f8relser i skattesaker basert<span class=\"_ _5\"></span> p\u00e5 estimater for endret inntektsskatt. Ved vurdering </div><div class=\"t m2 x248 hcf y28b0 ff1fc fs55 fc21 sc0 lsaf wsf6\">av innregning av usikre skattef<span class=\"_ _5\"></span>orpliktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y28b1 ff1fc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y28b2 ff1fc fs55 fc21 sc0 lsaf wsf6\">Utsatt skattefordel<span class=\"_ _5\"></span> blir balansef\u00f8rt i den utstrekning det er sannsynlig at den vil kunne utnyttes mot framtidig sk<span class=\"_ _5\"></span>attepliktig inntekt. Utsatt skatt<span class=\"_ _5\"></span> og </div><div class=\"t m2 x248 hcf y28b3 ff1fc fs55 fc21 sc0 lsaf wsf6\">utsatt skattef<span class=\"_ _5\"></span>ordel i samme skattekonsern blir presentert netto i balansen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y28b4 ff1fc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y28b5 ff1fc fs55 fc21 sc0 lsaf wsf6\">Betalbar og utsatt skatt knyttet t<span class=\"_ _5\"></span>il \u00f8vrige resultatelementer blir pres<span class=\"_ _5\"></span>entert netto sammen med tilh\u00f8rende inntekt eller kostn<span class=\"wsd2\">ad i t<span class=\"_ _5\"></span>otal<span class=\"lsbd ws104\">r<span class=\"_ _5\"></span>es<span class=\"_ _5\"></span>ul<span class=\"_ _5\"></span>tate<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></span><span class=\"wsd2\"><span class=\"lsbd ws104\"><span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x248 hcf y28b6 ff1fc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y28b7 ff1fc fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs16b\"><table class=\"s w321 h4ec\" id=\"_00c50330-4e69-4bca-97e1-8d4a112be8e9\"><tr><td class=\"c x45e y41bd w98 h136\"><div class=\"t m2 x19f hd1 y25f1 ff1fd fs55 fc21 sc0 lsaf wsf6\">Skattekostnad p\u00e5 driftsresu<span class=\"_ _5\"></span>ltat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41be w98 hd7\"><div class=\"t m2 x19f hd8 y20f0 ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41be w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1fc fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41be w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1fc fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41bf w98 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wsd0\">Betalbar s<span class=\"_ _5\"></span>katt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41bf w6e hdd\"><div class=\"t m2 x247 hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">813</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41bf w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">378</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y41c0 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Endring <span class=\"_ _5\"></span>utsatt s<span class=\"_ _5\"></span>katt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">919</span> </div></td><td class=\"c x463 y41c0 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">696</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y40d3 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Sum skat<span class=\"_ _5\"></span>teko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y40d3 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y40d3 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table></div><div class=\"gs16c\"><table class=\"s w349 h4ed\" id=\"_83c88f43-6875-490b-aa38-c067d949cfad\"><tr><td class=\"c x45e y41c1 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff1fd fs55 fc21 sc0 lsaf wsf6\">Avstemming av skattekostnad mot driftsresul<span class=\"_ _5\"></span>tat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41c2 w98 hd7\"><div class=\"t m2 x19f hd8 y200f ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41c3 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsaa ws0\">Driftsres<span class=\"_ _5\"></span>ultat f\u00f8r sk<span class=\"_ _5\"></span>att<span class=\"ls0\"> </span></div></td><td class=\"c x45f y41c3 w6e hdd\"><div class=\"t m2 x1ba hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>398<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41c3 w6e hdd\"><div class=\"t m2 x1ba hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41c4 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Forventet<span class=\"_ _5\"></span> ska<span class=\"_ _5\"></span>ttekost<span class=\"_ _5\"></span>nad et<span class=\"_ _5\"></span>ter nom<span class=\"_ _5\"></span>inell <span class=\"_ _5\"></span>skattesat<span class=\"_ _5\"></span>s 22 p<span class=\"_ _5\"></span>rosen<span class=\"_ _5\"></span>t <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c4 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">748</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41c4 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">073</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3f6 y41c5 w34a h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsskatt i<span class=\"_ _5\"></span> Nor<span class=\"_ _5\"></span>ge</div><div class=\"t m2 x49d h121 y3e5e ff1fc fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y41c6 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">013</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41c6 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(829)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41c7 w98 hdb\"><div class=\"t m2 x19f hcc y200f ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av fors<span class=\"_ _5\"></span>kjellig <span class=\"_ _5\"></span>skattes<span class=\"_ _5\"></span>ats i <span class=\"_ _5\"></span>andre l<span class=\"_ _5\"></span>and <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c7 w6e hdb\"><div class=\"t m2 x227 hcc y200f ff1fc fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41c7 w6e hdb\"><div class=\"t m2 x249 hcc y200f ff1fc fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y41c8 w34b h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av gjeld<span class=\"_ _5\"></span>srente<span class=\"_ _5\"></span>fordeli<span class=\"_ _5\"></span>ng m<span class=\"_ _5\"></span>ot ut<span class=\"_ _5\"></span>enlands<span class=\"_ _5\"></span>ke fili<span class=\"_ _5\"></span>aler</div><div class=\"t m2 x49e h121 y3e5e ff1fc fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y41c9 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">264</span> </div></td><td class=\"c x463 y41c9 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">690</span> </div></td></tr><tr><td class=\"c x3f6 y41ca w34c h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av skatt<span class=\"_ _5\"></span>efrie a<span class=\"_ _5\"></span>ksjei<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er</div><div class=\"t m2 x49f h121 y3ebb ff1fc fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y3fcc w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">462<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fcc w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(344)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cb w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av andre<span class=\"_ _5\"></span> skatt<span class=\"_ _5\"></span>efrie i<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er og ikk<span class=\"_ _5\"></span>e fra<span class=\"_ _5\"></span>drags<span class=\"_ _5\"></span>beretti<span class=\"_ _5\"></span>gede k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cb w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(545)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cb w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">684<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cc w98 hdb\"><div class=\"t m2 x19f hcc y200f ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av endri<span class=\"_ _5\"></span>ng i <span class=\"_ _5\"></span>utsatt sk<span class=\"_ _5\"></span>attefo<span class=\"_ _5\"></span>rdel som<span class=\"_ _5\"></span> ikk<span class=\"_ _5\"></span>e er bala<span class=\"_ _5\"></span>nsef\u00f8<span class=\"_ _5\"></span>rt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cc w6e hdb\"><div class=\"t m2 x0 hcc y200f ff1fc fs53 fc21 sc0 lsab wscb\">142<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cc w6e hdb\"><div class=\"t m2 xf9 hcc y200f ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cd w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Skatt v<span class=\"_ _5\"></span>edr\u00f8re<span class=\"_ _5\"></span>nde tidli<span class=\"_ _5\"></span>gere <span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cd w6e hda\"><div class=\"t m2 x0 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">506<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cd w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(173)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fd0 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Skatte<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>d p\u00e5 dr<span class=\"_ _5\"></span>iftsre<span class=\"_ _5\"></span>sultat f<span class=\"_ _5\"></span>\u00f8r skat<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fd0 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y3fd0 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y41ce w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsaa ws11e\">Effektiv skattes<span class=\"_ _5\"></span>ats<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41ce w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">19 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41ce w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">17 %<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gs16d\"><table class=\"s w34d h4ee\" id=\"_8be43206-ad9f-4731-9c8b-217d86c77074\"><tr><td class=\"c x425 y41cf w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff1fd fs55 fc21 sc0 lsaf wsf6\">Inntektskatt p\u00e5 \u00f8vrige r<span class=\"_ _5\"></span>esultatelementer i totalresultat<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y41d0 w98 hd7\"><div class=\"t m2 x19f hd8 y200f ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y41d1 w98 h11f\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>elemen<span class=\"_ _5\"></span>ter som<span class=\"_ _5\"></span> ikk<span class=\"_ _5\"></span>e vil bl<span class=\"_ _5\"></span>i rekla<span class=\"_ _5\"></span>ssifise<span class=\"_ _5\"></span>rt til <span class=\"_ _5\"></span>resulta<span class=\"_ _5\"></span>tregns<span class=\"_ _5\"></span>kapet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d1 w6e h11f\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(153)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d1 w6e h11f\"><div class=\"t m2 x249 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y41d2 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av net<span class=\"_ _5\"></span>toinvest<span class=\"_ _5\"></span>ering i<span class=\"_ _5\"></span> utenl<span class=\"_ _5\"></span>ands<span class=\"_ _5\"></span>k enhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d2 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(618)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d2 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1fc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td><td></td></tr><tr><td class=\"c x425 y41d3 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Sum inn<span class=\"_ _5\"></span>tekts<span class=\"_ _5\"></span>skatt p<span class=\"_ _5\"></span>\u00e5 \u00f8vri<span class=\"_ _5\"></span>ge resu<span class=\"_ _5\"></span>ltatelem<span class=\"_ _5\"></span>enter<span class=\"_ _5\"></span> i to<span class=\"_ _5\"></span>talres<span class=\"_ _5\"></span>ultat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d3 w6e hd9\"><div class=\"t m2 x1b8 hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscb\">(772)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d3 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff1fd fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">336</span> </div></td><td></td></tr><tr><td class=\"c x3f6 y41d4 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y41d4 w34e h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">Fina<span class=\"_ _5\"></span>nsskatt<span class=\"_ _5\"></span> er en<span class=\"_ _5\"></span> tille<span class=\"_ _5\"></span>ggsskatt<span class=\"_ _5\"></span> som <span class=\"_ _5\"></span>p\u00e5legge<span class=\"_ _5\"></span>s norsk<span class=\"_ _5\"></span>e sels<span class=\"_ _5\"></span>kaper i<span class=\"_ _5\"></span>nnen fi<span class=\"_ _5\"></span>nans<span class=\"_ _5\"></span>sekt<span class=\"_ _5\"></span>oren. Sk<span class=\"_ _5\"></span>atten <span class=\"_ _5\"></span>er en <span class=\"_ _5\"></span>forh\u00f8yet<span class=\"_ _5\"></span> inntek<span class=\"_ _5\"></span>tsb<span class=\"_ _5\"></span>eskatni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>av fi<span class=\"_ _5\"></span>nansf<span class=\"_ _5\"></span>oretak m<span class=\"_ _5\"></span>ed 3 p<span class=\"_ _5\"></span>rosen<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x42c y41d5 w34f h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">poeng<span class=\"lsd2 ws12b\">.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y41d6 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y41d6 w350 h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">I 20<span class=\"_ _5\"></span>2<span class=\"lsb2 wsf1\">5 </span>medf<span class=\"_ _5\"></span>\u00f8rte gj<span class=\"_ _5\"></span>eldsre<span class=\"_ _5\"></span>ntefor<span class=\"_ _5\"></span>deling<span class=\"_ _5\"></span>en et r<span class=\"_ _5\"></span>entefr<span class=\"_ _5\"></span>adrag i<span class=\"_ _5\"></span> Norg<span class=\"_ _5\"></span>e som re<span class=\"_ _5\"></span>duser<span class=\"_ _5\"></span>te skatte<span class=\"_ _5\"></span>kost<span class=\"_ _5\"></span>naden i k<span class=\"_ _5\"></span>ons<span class=\"_ _5\"></span>ernet m<span class=\"_ _5\"></span>ed 2 264<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>milli<span class=\"_ _5\"></span>oner krone<span class=\"_ _5\"></span>r, mot<span class=\"_ _5\"></span> <span class=\"wsd0\">3 690<span class=\"ls0 ws0\"> <span class=\"lsa7 wsd1\">millioner i<span class=\"_ _1c5\"> </span></span></span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y41e0 w351 h4ef\"><div class=\"t m2 x3f4 hd8 y41d7 ff1fe fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hd1 y41d8 ff1fd fs55 fc21 sc0 lsaf wsf6\">Endring i skatteregler med virkning fra 2026  <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41d9 ff1fc fs55 fc21 sc0 lsaf wsf6\">Skatteloven \u00a7 6<span class=\"ls0 ws0\">-</span>91 er endret ved at det innf\u00f8res direkte tilordning av gjeldsrent<span class=\"_ _5\"></span>efradrag for finansforet<span class=\"_ _5\"></span>ak med utenlandsvirksomhet n\u00e5r </div><div class=\"t m2 x3f4 hcf y41da ff1fc fs55 fc21 sc0 lsaf wsf6\">skatteavt<span class=\"_ _5\"></span>alen med landet det gjelder anvender unntaksmetoden. Virkeomr\u00e5det er begrens<span class=\"_ _5\"></span>et til finansforetak som ikke lengr<span class=\"wsd2\">e sk<span class=\"_ _5\"></span>al bruke </span></div><div class=\"t m2 x3f4 hcf y41db ff1fc fs55 fc21 sc0 lsaf wsf6\">sjablongregelen f<span class=\"_ _5\"></span>or gjeldsrentefradrag uten direkt<span class=\"_ _5\"></span>e tilordning etter den aktuelle skatteavt<span class=\"_ _5\"></span>alens regler, der rentefradraget fordel<span class=\"_ _5\"></span>es etter hvor </div><div class=\"t m2 x3f4 hcf y41dc ff1fc fs55 fc21 sc0 lsaf wsf6\">gjeldsrent<span class=\"_ _5\"></span>ene er p\u00e5dratt og ikke etter eiendelenes fordeling ved utgangen av \u00e5ret. For DNB betyr de<span class=\"wsd2\">tte at s<span class=\"_ _5\"></span>katteeffekten <span class=\"_ _5\"></span>av </span></div><div class=\"t m2 x3f4 hcf y41dd ff1fc fs55 fc21 sc0 lsaf wsf6\">gjeldsrent<span class=\"_ _5\"></span>efordelingen vist i tabellen over, jfr. fotnot<span class=\"_ _5\"></span>e 2, vil utg\u00e5 fra og med 2026. Det er for<span class=\"_ _1\"></span>vent<span class=\"_ _5\"></span>et at konsernets effekti<span class=\"wsd2\">ve sk<span class=\"_ _5\"></span>attesats fra <span class=\"_ _5\"></span>og med </span></div><div class=\"t m2 x3f4 hcf y41de ff1fc fs55 fc21 sc0 lsaf wsf6\">2026 vil \u00f8ke tilsvarende.    <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41df ff1fc fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></td><td class=\"c x421 y4174 w352 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">I Nor<span class=\"_ _5\"></span>ge er<span class=\"_ _5\"></span> et selsk<span class=\"_ _5\"></span>aps i<span class=\"_ _5\"></span>nntek<span class=\"_ _5\"></span>ter fra ak<span class=\"_ _5\"></span>sj<span class=\"_ _5\"></span>einveste<span class=\"_ _5\"></span>ringer<span class=\"_ _5\"></span> normal<span class=\"_ _5\"></span>t un<span class=\"_ _5\"></span>ntatt sk<span class=\"_ _5\"></span>attepli<span class=\"_ _5\"></span>kt. Som<span class=\"_ _5\"></span> hove<span class=\"_ _5\"></span>dregel<span class=\"_ _5\"></span> gjeld<span class=\"_ _5\"></span>er dett<span class=\"_ _5\"></span>e inves<span class=\"_ _5\"></span>terin<span class=\"_ _5\"></span>ger i s<span class=\"_ _5\"></span>elska<span class=\"_ _5\"></span>per hj<span class=\"_ _5\"></span>emmeh\u00f8<span class=\"_ _5\"></span>rende i<span class=\"_ _1c5\"> </span></div></td><td class=\"c x42c y3ead w353 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\">4</span><span class=\"ls0 ws0\"><span class=\"lsaa wscd\">. </span></span></div></td><td class=\"c x4a0 y3ead w354 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">Red<span class=\"_ _5\"></span>uksjo<span class=\"_ _5\"></span>nen<span class=\"ls0 ws0\"> </span><span class=\"wscd\">i f<span class=\"_ _5\"></span>radrage<span class=\"_ _5\"></span>t i 202<span class=\"_ _5\"></span></span>5 <span class=\"wsd0\">f\u00f8lge<span class=\"_ _5\"></span>r av <span class=\"wscd\">noe lav<span class=\"_ _5\"></span>ere<span class=\"ls0 ws0\"> <span class=\"lsa7 wsd1\">aktivitet i USA</span> </span>i f<span class=\"_ _5\"></span>jerde k<span class=\"_ _5\"></span>vartal<span class=\"_ _5\"></span><span class=\"lsaa ws11e\">.<span class=\"_ _1c5\"> </span></span></span></span></div></td></tr><tr><td></td><td class=\"c x42c y3eae w355 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">EU/E\u00d8S<span class=\"_ _5\"></span>. Skattef<span class=\"_ _5\"></span>ritak<span class=\"_ _5\"></span>et gjel<span class=\"_ _5\"></span>der b<span class=\"_ _5\"></span>\u00e5de ut<span class=\"_ _5\"></span>bytte o<span class=\"_ _5\"></span>g gevins<span class=\"_ _5\"></span>ter (t<span class=\"_ _5\"></span>ap) ve<span class=\"_ _5\"></span>d reali<span class=\"_ _5\"></span>sasj<span class=\"_ _5\"></span>on. 3 p<span class=\"_ _5\"></span>rosent av<span class=\"_ _5\"></span> utby<span class=\"_ _5\"></span>tte fra sli<span class=\"_ _5\"></span>ke sk<span class=\"_ _5\"></span>attefrit<span class=\"_ _5\"></span>atte i<span class=\"_ _5\"></span>nvest<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er inn<span class=\"_ _5\"></span>g\u00e5r dog li<span class=\"_ _5\"></span>kevel<span class=\"_ _5\"></span> i<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x3f6 y41e2 w356 h4f0\"><div class=\"t m2 x43a hd8 y41e1 ff1fe fs53 fc21 sc0 lsab wscd\">skattepli<span class=\"_ _5\"></span>ktig in<span class=\"_ _5\"></span>ntekt<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3fb6 ff1fc fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table></div><div class=\"gs170\"><table class=\"s w359 h4f2\" id=\"_c3728e63-fee8-4d49-9c7c-78b85fee70ec\"><tr><td class=\"c x3db y41f5 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff204 fs55 fc21 sc0 lsc1 ws116\">Utsatt skattefordel<span class=\"_ _5\"></span>/(utsatt skatt)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y41f6 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f6 w183 hd7\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41f6 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41f7 w13c h119\"><div class=\"t m2 x19f hdc y1db0 ff204 fs53 fc21 sc0 lsa9 ws87\">\u00c5ret<span class=\"_ _1\"></span>s bev<span class=\"_ _1\"></span>egelser<span class=\"_ _1\"></span> i utsa<span class=\"_ _1\"></span>tt skat<span class=\"_ _1\"></span>teford<span class=\"_ _1\"></span>el/(<span class=\"_ _1\"></span>utsatt<span class=\"_ _1\"></span> skatt<span class=\"_ _1\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y41f8 w13c hda\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel/<span class=\"_ _5\"></span>(utsatt<span class=\"_ _5\"></span> skatt)<span class=\"_ _5\"></span> per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f8 w183 hda\"><div class=\"t m2 x1ab hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y41f8 w6e hda\"><div class=\"t m2 x19e hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">334</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y41f9 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Endring f<span class=\"_ _5\"></span>\u00f8rt m<span class=\"_ _5\"></span>ot ordi<span class=\"_ _5\"></span>n\u00e6rt r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f9 w183 hdb\"><div class=\"t m2 x247 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">921</span> </div></td><td class=\"c x3de y41f9 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y41fa w13c hde\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Endring f<span class=\"_ _5\"></span>\u00f8rt m<span class=\"_ _5\"></span>ot \u00f8vri<span class=\"_ _5\"></span>ge resul<span class=\"_ _5\"></span>tatel<span class=\"_ _5\"></span>emen<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fa w183 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">(153)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fa w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fb w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Omregni<span class=\"_ _5\"></span>ngsdif<span class=\"_ _5\"></span>feran<span class=\"_ _5\"></span>ser p\u00e5 ut<span class=\"_ _5\"></span>satt<span class=\"_ _5\"></span> skatt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fb w183 hdb\"><div class=\"t m2 x20e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fb w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fc w13c hda\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fc w183 hda\"><div class=\"t m2 x1b9 hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">(299)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fc w6e hda\"><div class=\"t m2 x249 hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fd w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Endring s<span class=\"_ _5\"></span>om f<span class=\"_ _5\"></span>\u00f8lge av <span class=\"_ _5\"></span>konse<span class=\"_ _5\"></span>rnbidr<span class=\"_ _5\"></span>ag<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fd w183 hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fd w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fe w13c h135\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel/<span class=\"_ _5\"></span>(utsatt<span class=\"_ _5\"></span> skatt)<span class=\"_ _5\"></span> per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fe w183 h135\"><div class=\"t m2 x1ab hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">757</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y41fe w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table></div><div class=\"gs171\"><table class=\"s w35a h4f3\" id=\"_01730ad8-303c-4776-8479-f82e4d365a12\"><tr><td class=\"c x3f6 y41ff w35b h4f4\"><div class=\"t m2 x3f4 hd1 y3f04 ff204 fs55 fc21 sc0 lsaf wsf6\">Utsatt skattefordel og u<span class=\"_ _5\"></span>tsatt skatt i balansen vedr\u00f8rer f\u00f8lgende<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4200 w35c h4f4\"><div class=\"t m2 x3f4 hd1 y3f04 ff204 fs55 fc21 sc0 lsbc ws0\">midler<span class=\"_ _1\"></span>tidige<span class=\"_ _1\"></span> fors<span class=\"_ _1\"></span>kjelle<span class=\"_ _1\"></span>r</div></td><td></td><td class=\"c x438 y4201 w161 h1de\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">             <span class=\"lsab wscd\">U<span class=\"_ _5\"></span>tsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4201 w184 h1de\"><div class=\"t m2 x20f hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">         <span class=\"lsaa ws11e\">Uts<span class=\"_ _5\"></span>att skatt</span><span class=\"ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4202 w13c h11f\"><div class=\"t m2 x19f hd8 y1dae ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4202 w183 h11f\"><div class=\"t m2 x4f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4203 w13c h154\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>og imm<span class=\"_ _5\"></span>ateriell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4203 w6e h154\"><div class=\"t m2 x249 hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4203 w6e h154\"><div class=\"t m2 x1b8 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">(179)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4203 w183 h154\"><div class=\"t m2 x247 hcc y1dc1 ff205 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">982</span> </div></td><td class=\"c x3de y4203 w6e h154\"><div class=\"t m2 x248 hcc y1dc1 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">540</span> </div></td></tr><tr><td class=\"c x3db y4204 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4204 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4204 w183 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">(418)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4204 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">545</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4205 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a8 y4205 w183 hdb\"><div class=\"t m2 x247 hcc y1dae ff205 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">427</span> </div></td><td class=\"c x3de y4205 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff205 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">747</span> </div></td></tr><tr><td class=\"c x3db y4206 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4206 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4206 w183 hde\"><div class=\"t m2 x20e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(83)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4206 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">419</span> </div></td></tr><tr><td class=\"c x3db y4207 w13c hda\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsf<span class=\"_ _5\"></span>orpli<span class=\"_ _5\"></span>ktelser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4207 w6e hda\"><div class=\"t m2 x227 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4207 w6e hda\"><div class=\"t m2 x227 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4207 w183 hda\"><div class=\"t m2 x1ab hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">551</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4207 w6e hda\"><div class=\"t m2 x19e hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">353</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4208 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser (I<span class=\"_ _5\"></span>FRS 17<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a8 y4208 w183 hdb\"><div class=\"t m2 x1ab hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">453</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4208 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">209</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4209 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Netto a<span class=\"_ _5\"></span>ndre sk<span class=\"_ _5\"></span>atter<span class=\"_ _5\"></span>eduse<span class=\"_ _5\"></span>rende midl<span class=\"_ _5\"></span>erti<span class=\"_ _5\"></span>dige fo<span class=\"_ _5\"></span>rskjell<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">188<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">649<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4209 w183 hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y420a w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wsd0\">Framf\u00f8r<span class=\"_ _5\"></span>bart unders<span class=\"_ _5\"></span>kudd/<span class=\"_ _5\"></span>ubenyt<span class=\"_ _5\"></span>tet kred<span class=\"_ _5\"></span>itfra<span class=\"_ _5\"></span>drag<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y420a w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y420a w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y420a w183 hde\"><div class=\"t m2 x1ab hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">325</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y420a w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">375</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y420b w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff204 fs53 fc21 sc0 lsb2 wsf2\">Sum uts<span class=\"_ _5\"></span>att s<span class=\"_ _5\"></span>katte<span class=\"_ _5\"></span>fordel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y420b w6e hdd\"><div class=\"t m2 x0 hdc y1da9 ff204 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y420b w6e hdd\"><div class=\"t m2 x0 hdc y1da9 ff204 fs53 fc21 sc0 lsab wscb\">687<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y420b w183 hdd\"><div class=\"t m2 x247 hdc y1da9 ff204 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">006</span> </div></td><td class=\"c x3de y420b w6e hdd\"><div class=\"t m2 x248 hdc y1da9 ff204 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">823</span> </div></td></tr></table></div><div class=\"c w73 h182 gs172\"><div class=\"t m2 x20e hcf y298a ff205 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y298b ff205 fs55 fc21 sc0 lsaf wsf6\">En betydelig del av finansi<span class=\"_ _5\"></span>elle instrumenter blir i finansregnskapet m\u00e5lt til<span class=\"_ _5\"></span> markedsverdi, mens i skatteregnskapet behandles<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>de etter realisa<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y298c ff205 fs55 fc21 sc0 lsaf wscf\">sjons<span class=\"wsf6\">pri<span class=\"_ _5\"></span>nsippet. Det kan gi store forskjeller mellom regnskapsmessig resul<span class=\"_ _5\"></span>tat og beregnet skattemessig resultat<span class=\"ls0 ws0\"> </span>f<span class=\"_ _5\"></span>or det enkelte regnskaps\u00e5r, </span></div><div class=\"t m2 x20e hcf y298d ff205 fs55 fc21 sc0 lsaf wsd2\">spesielt i<span class=\"_ _5\"></span> \u00e5r med s<span class=\"_ _5\"></span>tore bevegels<span class=\"_ _5\"></span>er i rente<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og kursniv\u00e5er. Forsk<span class=\"_ _5\"></span>jellene utliknes over tid.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y298e ff205 fs56 fc21 sc0 ls0 ws0\">  </div><div class=\"t m2 x20e hcf y298f ff205 fs55 fc21 sc0 lsaf wsf6\">Store endringer i valutak<span class=\"_ _5\"></span>ursniv\u00e5er i 202<span class=\"ls0 ws0\">5 </span>og 202<span class=\"ls0 ws0\">4 </span>har medf\u00f8rt at konsernet har f\u00e5tt betydelige endringer i verdien av urealiserte mer<span class=\"ls0 ws0\">-<span class=\"lsbd ws104\">/<span class=\"_ _5\"></span>mi<span class=\"_ _5\"></span>ndr<span class=\"_ _5\"></span>e</span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2990 ff205 fs55 fc21 sc0 lsaf wsf6\">verdier p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter som brukes i forbindelse med styring av konsernets v<span class=\"_ _5\"></span>aluta<span class=\"ls0 ws0\">- </span>og renterisiko. Finansiell<span class=\"_ _5\"></span>e instrumenter behandles </div><div class=\"t m2 x20e hcf y2991 ff205 fs55 fc21 sc0 lsaf wsf6\">etter realisasjo<span class=\"wscf\">ns<span class=\"_ _5\"></span></span>prinsippet, mens fordringer og gjeld i v<span class=\"_ _5\"></span>aluta behandles etter dagskursprinsippet.<span class=\"_ _5\"></span> Disse forskjellene forventes revers<span class=\"_ _5\"></span>ert i l\u00f8<span class=\"wscf\">pet </span></div><div class=\"t m2 x20e hcf y2992 ff205 fs55 fc21 sc0 lsaf wsd2\">av kort<span class=\"_ _5\"></span> tid. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2993 ff205 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs173\"><table class=\"s w357 h4f1\" id=\"_edc1689a-d516-4fb0-8af2-0e34187182fd\"><tr><td class=\"c x3fc y41e3 w149 h139\"><div class=\"t m2 x19f hd1 y2193 ff204 fs55 fc21 sc0 lsaf wsf6\">Oversikt over skatteford<span class=\"_ _5\"></span>eler fra underskudd og kreditfradrag til framf\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4a1 y41e4 w10f hd7\"><div class=\"t m2 x9f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a2 y41e4 w185 hd7\"><div class=\"t m2 x1df hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4a1 y41e5 w6f h13b\"><div class=\"t m2 x20f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Samlede <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e5 w6e h13b\"><div class=\"t m2 x20c hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Herav <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e5 w6e h13b\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e5 w183 h13b\"><div class=\"t m2 x4f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Samlede <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e5 w6e h13b\"><div class=\"t m2 x20c hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Herav <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e5 w6e h13b\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a1 y41e6 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">framf\u00f8rb<span class=\"_ _5\"></span>are <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e6 w6e hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">grunnl<span class=\"_ _5\"></span>ag for <span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a4 y41e6 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">utsatt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e6 w183 hd7\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">framf\u00f8rb<span class=\"_ _5\"></span>are <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e6 w6e hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">grunnl<span class=\"_ _5\"></span>ag for <span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a6 y41e6 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">utsatt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41e7 w10c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41e7 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">unders<span class=\"_ _5\"></span>kudd <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e7 w6e hd7\"><div class=\"t m2 x242 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8ring<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e7 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">skattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span></span> </div></td><td class=\"c x4a2 y41e7 w183 hd7\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">unders<span class=\"_ _5\"></span>kudd <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e7 w6e hd7\"><div class=\"t m2 x242 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8ring<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e7 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">skattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3fc y41e8 w10c h13b\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Undersk<span class=\"_ _5\"></span>udd til<span class=\"_ _5\"></span> framf<span class=\"_ _5\"></span>\u00f8ring:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y41e9 w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Norge<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41e9 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">928<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e9 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">896<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e9 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">219<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e9 w183 hdb\"><div class=\"t m2 x209 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>161<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e9 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>034<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e9 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">252</span> </div></td></tr><tr><td class=\"c x3fc y41ea w10c hde\"><div class=\"t m2 x163 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">Singapo<span class=\"_ _5\"></span>re<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ea w6f hde\"><div class=\"t m2 x0 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">259<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ea w6e hde\"><div class=\"t m2 x1b6 hcc y2401 ff205 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x4a2 y41ea w183 hde\"><div class=\"t m2 x204 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41eb w10c hda\"><div class=\"t m2 x163 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">Danmar<span class=\"_ _5\"></span>k<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41eb w6f hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41eb w6e hda\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41eb w183 hda\"><div class=\"t m2 x2d7 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41ec w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Sverig<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ec w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ec w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ec w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x4a2 y41ec w183 hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">172<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41ed w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsa7 wsc9\">USA<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ed w6f hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ed w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ed w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y41ee w73 h182\"><div class=\"t m2 x1b5 hcc y299f ff205 fs53 fc21 sc0 lsab wsd0\">Sum framf<span class=\"_ _5\"></span>\u00f8rbare und<span class=\"_ _5\"></span>ersku<span class=\"_ _5\"></span>dd og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y41ef w10c h1df\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a1 y41ef w6f h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x4a3 y41ef w6e h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">382</span> </div></td><td class=\"c x4a4 y41ef w6e h1df\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">335<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41ef w183 h1df\"><div class=\"t m2 x209 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>272<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41ef w6e h1df\"><div class=\"t m2 x1ba hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41ef w6e h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">455</span> </div></td></tr><tr><td class=\"c x3f6 y41f0 w358 h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff205 fs53 fc21 sc0 lsab wscd\">Kredits<span class=\"_ _5\"></span>katt til f<span class=\"_ _5\"></span>ramf<span class=\"_ _5\"></span>\u00f8ring</div><div class=\"t m2 x4a7 h121 y3e5e ff205 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f1 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">030</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f1 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">123</span> </div></td></tr><tr><td class=\"c x3fc y41f2 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff204 fs53 fc21 sc0 lsb3 wsf1\">Sum u<span class=\"_ _5\"></span>tsatt<span class=\"_ _5\"></span> skat<span class=\"_ _5\"></span>tefor<span class=\"_ _5\"></span>del<span class=\"_ _5\"></span> fra <span class=\"_ _5\"></span>under<span class=\"_ _5\"></span>sku<span class=\"_ _5\"></span>dd o<span class=\"_ _5\"></span>g kredi<span class=\"_ _5\"></span>tfra<span class=\"_ _5\"></span>dra<span class=\"_ _5\"></span>g til fr<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>f\u00f8ri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f2 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff204 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">365</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f2 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff204 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">577</span> </div></td></tr><tr><td class=\"c x3fc y41f3 w13c hda\"><div class=\"t m2 x19f hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscd\">Herav p<span class=\"_ _5\"></span>resent<span class=\"_ _5\"></span>ert unde<span class=\"_ _5\"></span>r nett<span class=\"_ _5\"></span>o utsa<span class=\"_ _5\"></span>tt ska<span class=\"_ _5\"></span>tteford<span class=\"_ _5\"></span>el<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f3 w6e hda\"><div class=\"t m2 x227 hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a6 y41f3 w6e hda\"><div class=\"t m2 x0 hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41f4 w13c hdb\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsab wscd\">Herav p<span class=\"_ _5\"></span>resent<span class=\"_ _5\"></span>ert unde<span class=\"_ _5\"></span>r nett<span class=\"_ _5\"></span>o utsa<span class=\"_ _5\"></span>tt ska<span class=\"_ _5\"></span>tt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f4 w6e hdb\"><div class=\"t m2 x248 hd8 y1db0 ff206 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">325</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f4 w6e hdb\"><div class=\"t m2 x248 hd8 y1db0 ff206 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">375</span> </div></td></tr></table></div><div class=\"c w73 h182 gs172\"><div class=\"t m2 x20e he2 y29a8 ff205 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd8 y29a9 ff206 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"_ _1b4\"> </span><span class=\"lsab wsd0\">Al<span class=\"_ _5\"></span>l kreditska<span class=\"_ _5\"></span>tt til framf\u00f8ri<span class=\"_ _5\"></span>ng vedr<span class=\"_ _5\"></span>\u00f8rer norsk<span class=\"_ _5\"></span>e skattes<span class=\"_ _5\"></span>ubjekt<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></span><span class=\"lsab wsd0\">.<span class=\"_ _1c5\"> </span></span> </div><div class=\"t m2 x20e he3 y29aa ff205 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span><span class=\"fs57\"> </span></div></div>Usikre s<span class=\"_ _5\"></span>katteforp<span class=\"_ _5\"></span>liktelse<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>Varsel<span class=\"_ _1\"></span> om en<span class=\"_ _1\"></span>drin<span class=\"_ _1\"></span>g av s<span class=\"_ _1\"></span>kattef<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>ttelsen<span class=\"_ _1\"></span> for D<span class=\"_ _1\"></span>NB Ban<span class=\"_ _1\"></span>k ASA<span class=\"_ _1\"></span> for 20<span class=\"_ _1\"></span>18<span class=\"ls0 ws0\">\u2013<span class=\"lscb ws122\">202</span>3  </span>DNB Bank ASA mottok i 2023 varsel fra de norske skattemyndighetene om endring av skattefastset<span class=\"_ _5\"></span>ting av utbytte mottatt i 2019 og 2020 fra datterselskapet<span class=\"_ _5\"></span> i USA. Skattemyndighetene varslet ogs\u00e5 at betalinger fra dattersels<span class=\"_ _5\"></span>kapet, som gjelder selskapets andel <span class=\"wsd2\">av skattebet<span class=\"_ _5\"></span>alinger i </span>sambeskatning i USA i perioden 2018<span class=\"ls0 ws0\">\u2013</span>2022, skulle anses som skattepliktig ut<span class=\"_ _5\"></span>bytte. Varselet innebar en samlet skatteeksponering f<span class=\"_ _5\"></span>or DNB p\u00e5 om lag 1,8 milliarder kroner. DNB var uenig i skattemyndighet<span class=\"_ _5\"></span>enes varsel i sin helhet, og det har ikke v\u00e6rt regnskapsf\u00f8rt noen avsetninger. <span class=\"ls0 ws0\"> </span>I august 2025 besluttet skattemy<span class=\"_ _5\"></span>ndighetene \u00e5 ikke g\u00e5 videre med vurderingen av USA som lavskatteland, og utbytte mottatt i 2019 og 2020 omfattes dermed av fritaksmet<span class=\"_ _5\"></span>oden. I vedtak mottatt i januar 2026 fastholder skattemyndighetene si<span class=\"_ _5\"></span>tt syn om at skattebetalingene skal klassifiseres<span class=\"_ _5\"></span> som utbytt<span class=\"_ _5\"></span>e med 3 <span class=\"_ _5\"></span>prosent skatt. <span class=\"wsf6\">V<span class=\"_ _5\"></span>edtaket gjelder perioden 2018<span class=\"ls0 ws0\">-</span><span class=\"wscf\">2023. </span>Saml<span class=\"_ _5\"></span>et skatteeksponeringen etter dette er redusert til om </span>lag 14 <span class=\"_ _5\"></span>millioner kroner.<span class=\"_ _5\"></span>  <span class=\"ls0 ws0\"> </span>Vedtak<span class=\"_ _5\"></span> om endring av<span class=\"_ _5\"></span> skattefastse<span class=\"_ _5\"></span>ttelsen f<span class=\"_ _5\"></span>or DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng for 2018<span class=\"ls0 ws0\"> </span>Det ble for inntekts\u00e5ret 2018 innf\u00f8rt nye skatteregl<span class=\"_ _5\"></span>er for livsforsikrings<span class=\"ls0 ws0\">- </span>og pensjonsf<span class=\"_ _5\"></span>oretak, med tilh\u00f8rende overgangsregler.<span class=\"_ _5\"></span> Ved utarbeidelse av regnskapet og skattemeldingen f<span class=\"_ _5\"></span>or DNB Livsforsikring i 2018 var det uklart hvordan overgangsregl<span class=\"_ _5\"></span>ene skulle t<span class=\"wscf\">olkes, herunder </span>virkni<span class=\"_ _5\"></span>ngstidspunktet for reglene, og DNB Livsforsikri<span class=\"_ _5\"></span>ng var ikke enig i Skattemyndighetenes tolkning av lovens opprinnelige ordly<span class=\"_ _5\"></span>d. I skattemeldi<span class=\"_ _5\"></span>ngen for 2018 krevde DNB Livsforsikring et st\u00f8rre skattemessig fradrag for overgangseff<span class=\"_ _5\"></span>ektene enn den regnskapsf\u00f8rte skatte<span class=\"_ _1\"></span>effe<span class=\"_ _1\"></span>kten.<span class=\"ls0 ws0\"> </span>I januar 2022 mottok DNB Livsforsikring et vedtak om endring av skattef<span class=\"_ _5\"></span>astsettelsen for 2018. DNB Livsforsikring <span class=\"wscf\">har klage<span class=\"ls0 ws0\">t<span class=\"_ _5\"></span> </span></span><span class=\"lsbd\">p\u00e5 <span class=\"_ _5\"></span>ve<span class=\"_ _5\"></span>dta<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il<span class=\"_ _5\"></span> </span>Skatteklagenem<span class=\"_ _5\"></span>nda. Det er flere punkter som er oppe til vurdering, og det er knyttet usikkerhet til utfallet av disse, hvor det b\u00e5de kan bli lavere og h\u00f8yere skattefradrag enn det som er lagt til grunn i konsernregnskapet<span class=\"_ _5\"></span>. Dersom selskapet<span class=\"ls0 ws0\"> </span>ikke vinner fram<span class=\"_ _5\"></span> p\u00e5 noen av punktene, vil dette gi en ytterligere \u00f8kt skatt<span class=\"_ _5\"></span>ekostnad p\u00e5 460 millioner kroner knyttet til overgangseff<span class=\"_ _5\"></span><span class=\"wsd2\">ekten i <span class=\"_ _5\"></span>2018.<span class=\"ls0 ws0\"> </span></span>Avvik<span class=\"_ _5\"></span>ling av datte<span class=\"_ _5\"></span>rselska<span class=\"_ _5\"></span>p i Singapore<span class=\"ls0 ws0\"> </span>I desember 2024 mottok DNB Bank ASA et brev fra skattemyndighetene med varsel om mulig endring av skattefastsetti<span class=\"_ _5\"></span>ngen for 202<span class=\"ls0 ws0\">2 <span class=\"lsbc ws10c\">kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> </span></span>skattemessi<span class=\"_ _5\"></span>g behandling av gevinsten ved avvikling av datterselskap i Singapore i 2022. I brevet varslet sk<span class=\"_ _5\"></span>attemyndighetene at de legge<span class=\"ls0 ws0\">r <span class=\"lsbe ws10b\">ti<span class=\"_ _5\"></span>l </span></span>grunn at Singapore skal anses som et lavskattel<span class=\"_ _5\"></span>and for datterselskapet<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">sl<span class=\"_ _5\"></span>ik at frit<span class=\"_ _5\"></span>aksmetoden ikke k<span class=\"_ _5\"></span>ommer til <span class=\"_ _5\"></span>anvendelse.<span class=\"ls0 ws0\"> </span></span>I andre kvartal 2025 mottok DNB et utkast til vedtak i saken, hvor skattemy<span class=\"_ _5\"></span>ndighetene opprettholder at gevins<span class=\"wscf\">ten<span class=\"ls0 ws0\"> </span></span>v<span class=\"_ _5\"></span>ed avviklingen av datterselskapet er skattepliktig for DNB Bank ASA. Skattemyndighetens<span class=\"_ _5\"></span> standpunkt er s\u00e6rlig basert p\u00e5 myndighetenes vurdering av at datterselskapet<span class=\"_ _5\"></span> ville kvalifisert for en skattei<span class=\"_ _5\"></span>nsentivordning i Singapore som ville ha gitt selskapet en<span class=\"ls0 ws0\"> </span>eff<span class=\"_ _5\"></span>ektiv beskatning p\u00e5 under to tredjedeler av norsk effektiv beskatning. <span class=\"ls0 ws0\"> </span>DNB Bank ASA er uenig i skattemyndighetenes vurderinger og standpunk<span class=\"_ _5\"></span>t i saken. DNB Bank ASA vurderer det slik at skatteinsent<span class=\"wscf\">ivordningen </span>ikke kan legges til grunn ved lavskattel<span class=\"_ _5\"></span>andvurderingen, og at Singapore dermed ikke skal anses som et lavskattel<span class=\"_ _5\"></span>and for<span class=\"ls0 ws0\"> </span>datterselskapet. DNB Bank ASA mener derfor at fritaksmetoden kommer t<span class=\"_ _5\"></span>il anvendelse slik at gevinsten ikke er skatteplikti<span class=\"_ _5\"></span>g.<span class=\"ls0 ws0\"> </span>Saken resulterte i en<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">sa<span class=\"_ _5\"></span>ml<span class=\"_ _5\"></span>et<span class=\"_ _5\"></span> </span></span>skatteeks<span class=\"_ _5\"></span>ponering for DNB <span class=\"_ _5\"></span>p\u00e5 om lag 1,<span class=\"_ _5\"></span>36 milliarder k<span class=\"_ _5\"></span>roner<span class=\"wsf6\">, og det ble i 2023<span class=\"ls0 ws0\"> </span>regnskapsf\u00f8rt en avsetning et<span class=\"_ _5\"></span>ter beste estimat i saken. <span class=\"ls0 ws0\"> </span></span>Varsel<span class=\"_ _1\"></span> om en<span class=\"_ _1\"></span>drin<span class=\"_ _1\"></span>g av s<span class=\"_ _1\"></span>kattef<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>ttelsen<span class=\"_ _1\"></span> for D<span class=\"_ _1\"></span>NB Ban<span class=\"_ _1\"></span>k ASA<span class=\"_ _1\"></span> for 20<span class=\"_ _1\"></span>19<span class=\"ls0 ws0\">-</span><span class=\"ws125\">2023<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span>DNB Bank ASA mottok i tredje kvartal 2024 et varsel fra norske skattemyndighet<span class=\"_ _5\"></span>er om endring av skattefastsettelsen som f\u00f8lge av endret prising av konserni<span class=\"_ _5\"></span>nterne transaksjoner med datterselskaper i utlandet. Varsel<span class=\"_ _5\"></span>et gjelder inntekts\u00e5rene 2019<span class=\"ls0 ws0\">\u2013</span>2023. Sum varslet endringsbel\u00f8p for inntekts\u00e5rene 2019<span class=\"ls0 ws0\">\u2013</span>2021 inneb\u00e6rer en sk<span class=\"_ _5\"></span>atteeksponering p\u00e5 om lag 1,3 milliarder kroner, mens endringen for \u00e5rene 2022 og 2023 ikke er tallfest<span class=\"_ _5\"></span>et. DNB er uenig i skattemyndighetenes tiln\u00e6rming og vurderinger. Det er DNBs oppfatning at<span class=\"ls0 ws0\"> </span>banken har en sterk sak, og det er ikke regnskapsf\u00f8<span class=\"_ _5\"></span>rt noen avsetninger. <span class=\"ls0 ws0\"> </span>Pilar 2 innt<span class=\"_ _5\"></span>ektss<span class=\"_ _5\"></span>katt<span class=\"ls0 ws0\"> </span>Norge, og andre jurisdiksj<span class=\"_ _5\"></span>oner der konsernet opererer, har implementert et minimumssk<span class=\"_ _5\"></span>atteregime for multinasjonal<span class=\"_ _5\"></span>e selskaper,<span class=\"ls0 ws0\"> </span>pilar 2<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>modellregler,<span class=\"_ _5\"></span> effektiv fra 1. januar 2024. Basert p\u00e5 disse modellreglene er konsernet p\u00e5lagt \u00e5 beregne en effektiv skattes<span class=\"_ _5\"></span><span class=\"lsbd ws117\">at<span class=\"_ _5\"></span>s (s<span class=\"_ _5\"></span>om<span class=\"_ _5\"></span> def<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>pilar 2<span class=\"ls0 ws0\">-</span>modellreglene) f<span class=\"_ _5\"></span>or hver jurisdiksjon der det opererer, samt \u00e5 betale en suppleringssk<span class=\"_ _5\"></span>att som utgj\u00f8r differansen mellom den be<span class=\"wscf\">regnede </span>effektive skatt<span class=\"_ _5\"></span>esatsen for hver jurisdiksjon og en 15 prosent minimums<span class=\"ls0 ws0\">-<span class=\"lsbf ws107\">ska<span class=\"_ _1\"></span>ttesat<span class=\"_ _1\"></span>s.<span class=\"ls0 ws0\"> </span></span></span>Konsernet har anvendt det obligatoris<span class=\"_ _5\"></span>ke unntaket for \u00e5 innregne og opplyse om utsatt skattefordel og forpliktelse relatert<span class=\"_ _5\"></span> til implementeringen av pilar 2<span class=\"ls0 ws0\">-</span><span class=\"wscf\">modellregler.<span class=\"ls0 ws0\"> </span></span>Vurderingen av kons<span class=\"_ _5\"></span>ernets potensielle eksponering mot pilar 2<span class=\"ls0 ws0\">-</span>innt<span class=\"_ _5\"></span>ektsskatt er basert p\u00e5 de siste skatterapporteringene og land<span class=\"ls0 ws0\">-</span><span class=\"wscf\">for<span class=\"ls0 ws0\">-</span>land </span>rapportering for de relev<span class=\"_ _5\"></span>ante enhetene i konsernet. Basert p\u00e5 vurderingene, er konsernets effektive skattesats over 15 pros<span class=\"_ _5\"></span>ent i nesten alle jurisdiks<span class=\"_ _5\"></span>joner hvor det opererer, og det er vurdert at konsernet ikke vil bli underlagt pilar 2<span class=\"ls0 ws0\">-</span>suppleringssk<span class=\"_ _5\"></span>att i disse jurisdiksjonene. I noen f\u00e5 jurisdiks<span class=\"_ _5\"></span>joner er det en risiko for at den effektive skattesatsen etter pilar 2<span class=\"ls0 ws0\">-</span><span class=\"wscf\">modell</span>reglene vil<span class=\"_ _5\"></span> v\u00e6re under 15 prosent. DNB<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">konsernet forventer </span>ingen vesentli<span class=\"_ _5\"></span>ge eksponeringer mot pilar 2<span class=\"ls0 ws0\">-</span>inntektsskattereglene i<span class=\"_ _5\"></span> disse jurisdiksjonene, og det er ikke avsatt for suppleringsskat<span class=\"_ _5\"></span>t i regnskapet for 2025.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-431": {
   "value": "Note K25 Sk<span class=\"_ _1\"></span>att<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktssk<span class=\"_ _5\"></span>att <span class=\"ls0 ws0\"> </span>\u00c5rets skattekostnad omfatt<span class=\"_ _5\"></span>er betalbar skatt for inntekts\u00e5ret<span class=\"_ _5\"></span>, eventuell betalbar skatt for tidligere \u00e5r samt endring i utsatt<span class=\"ls0 ws0\"> </span>sk<span class=\"_ _5\"></span>att p\u00e5 midlertidige forskjell<span class=\"_ _5\"></span>er. Midlertidige forskjell<span class=\"_ _5\"></span>er er forskjeller mellom balansef\u00f8rt verdi av en eiendel<span class=\"_ _5\"></span> eller en forpliktelse og eiendelens eller forpliktels<span class=\"_ _5\"></span>ens skattemessi<span class=\"_ _5\"></span>ge verdi. <span class=\"ls0 ws0\"> </span>De vesentligst<span class=\"_ _5\"></span>e midlertidige forskjellene er knyttet til verdiendri<span class=\"_ _5\"></span>nger p\u00e5 finansielle ei<span class=\"_ _5\"></span>endeler og gjeld, verdiendringer p\u00e5 investeringsei<span class=\"_ _5\"></span>endom, pensjoner, avskriv<span class=\"_ _5\"></span>ninger p\u00e5 driftsmidler og eiendommer og nedskrivning p\u00e5 goodwill<span class=\"_ _5\"></span>. Utsatt skatt p\u00e5 investeringsei<span class=\"_ _5\"></span>endommer er basert p\u00e5 en forventni<span class=\"_ _5\"></span>ng om at eiendomsverdier vil gjenvinnes ved salg av eiendommen. Utsatt skatt fastsettes ved bruk av skattesats<span class=\"_ _5\"></span>er og skatteregler som gjelder p\u00e5 balansedagen, ell<span class=\"_ _5\"></span>er som med overveiende sannsynlighet ventes vedtatt, <span class=\"_ _5\"></span>og som antas \u00e5 <span class=\"_ _1\"></span>v\u00e6re gjeldende n\u00e5r den utsatt<span class=\"_ _5\"></span>e skattefordelen real<span class=\"_ _5\"></span>iseres eller n\u00e5r den utsatte skatten skal gj\u00f8res opp.<span class=\"ls0 ws0\"> </span>Konsernet innregner skattef<span class=\"_ _5\"></span>orpliktelser knytt<span class=\"_ _5\"></span>et til framtidige avgj\u00f8relser i skattesaker basert<span class=\"_ _5\"></span> p\u00e5 estimater for endret inntektsskatt. Ved vurdering av innregning av usikre skattef<span class=\"_ _5\"></span>orpliktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig.<span class=\"ls0 ws0\"> </span>Utsatt skattefordel<span class=\"_ _5\"></span> blir balansef\u00f8rt i den utstrekning det er sannsynlig at den vil kunne utnyttes mot framtidig sk<span class=\"_ _5\"></span>attepliktig inntekt. Utsatt skatt<span class=\"_ _5\"></span> og utsatt skattef<span class=\"_ _5\"></span>ordel i samme skattekonsern blir presentert netto i balansen.<span class=\"ls0 ws0\"> </span>Betalbar og utsatt skatt knyttet t<span class=\"_ _5\"></span>il \u00f8vrige resultatelementer blir pres<span class=\"_ _5\"></span>entert netto sammen med tilh\u00f8rende inntekt eller kostn<span class=\"wsd2\">ad i t<span class=\"_ _5\"></span>otal<span class=\"lsbd ws104\">r<span class=\"_ _5\"></span>es<span class=\"_ _5\"></span>ul<span class=\"_ _5\"></span>tate<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></span><table class=\"s w321 h4ec\" id=\"_00c50330-4e69-4bca-97e1-8d4a112be8e9\"><tr><td class=\"c x45e y41bd w98 h136\"><div class=\"t m2 x19f hd1 y25f1 ff1fd fs55 fc21 sc0 lsaf wsf6\">Skattekostnad p\u00e5 driftsresu<span class=\"_ _5\"></span>ltat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41be w98 hd7\"><div class=\"t m2 x19f hd8 y20f0 ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41be w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1fc fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41be w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1fc fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41bf w98 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wsd0\">Betalbar s<span class=\"_ _5\"></span>katt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41bf w6e hdd\"><div class=\"t m2 x247 hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">813</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41bf w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">378</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y41c0 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Endring <span class=\"_ _5\"></span>utsatt s<span class=\"_ _5\"></span>katt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">919</span> </div></td><td class=\"c x463 y41c0 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">696</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y40d3 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Sum skat<span class=\"_ _5\"></span>teko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y40d3 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y40d3 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w349 h4ed\" id=\"_83c88f43-6875-490b-aa38-c067d949cfad\"><tr><td class=\"c x45e y41c1 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff1fd fs55 fc21 sc0 lsaf wsf6\">Avstemming av skattekostnad mot driftsresul<span class=\"_ _5\"></span>tat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41c2 w98 hd7\"><div class=\"t m2 x19f hd8 y200f ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41c3 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsaa ws0\">Driftsres<span class=\"_ _5\"></span>ultat f\u00f8r sk<span class=\"_ _5\"></span>att<span class=\"ls0\"> </span></div></td><td class=\"c x45f y41c3 w6e hdd\"><div class=\"t m2 x1ba hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>398<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41c3 w6e hdd\"><div class=\"t m2 x1ba hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41c4 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Forventet<span class=\"_ _5\"></span> ska<span class=\"_ _5\"></span>ttekost<span class=\"_ _5\"></span>nad et<span class=\"_ _5\"></span>ter nom<span class=\"_ _5\"></span>inell <span class=\"_ _5\"></span>skattesat<span class=\"_ _5\"></span>s 22 p<span class=\"_ _5\"></span>rosen<span class=\"_ _5\"></span>t <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c4 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">748</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41c4 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">073</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3f6 y41c5 w34a h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsskatt i<span class=\"_ _5\"></span> Nor<span class=\"_ _5\"></span>ge</div><div class=\"t m2 x49d h121 y3e5e ff1fc fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y41c6 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">013</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41c6 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(829)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41c7 w98 hdb\"><div class=\"t m2 x19f hcc y200f ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av fors<span class=\"_ _5\"></span>kjellig <span class=\"_ _5\"></span>skattes<span class=\"_ _5\"></span>ats i <span class=\"_ _5\"></span>andre l<span class=\"_ _5\"></span>and <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c7 w6e hdb\"><div class=\"t m2 x227 hcc y200f ff1fc fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41c7 w6e hdb\"><div class=\"t m2 x249 hcc y200f ff1fc fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y41c8 w34b h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av gjeld<span class=\"_ _5\"></span>srente<span class=\"_ _5\"></span>fordeli<span class=\"_ _5\"></span>ng m<span class=\"_ _5\"></span>ot ut<span class=\"_ _5\"></span>enlands<span class=\"_ _5\"></span>ke fili<span class=\"_ _5\"></span>aler</div><div class=\"t m2 x49e h121 y3e5e ff1fc fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y41c9 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">264</span> </div></td><td class=\"c x463 y41c9 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">690</span> </div></td></tr><tr><td class=\"c x3f6 y41ca w34c h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av skatt<span class=\"_ _5\"></span>efrie a<span class=\"_ _5\"></span>ksjei<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er</div><div class=\"t m2 x49f h121 y3ebb ff1fc fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y3fcc w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">462<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fcc w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(344)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cb w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av andre<span class=\"_ _5\"></span> skatt<span class=\"_ _5\"></span>efrie i<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er og ikk<span class=\"_ _5\"></span>e fra<span class=\"_ _5\"></span>drags<span class=\"_ _5\"></span>beretti<span class=\"_ _5\"></span>gede k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cb w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(545)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cb w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">684<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cc w98 hdb\"><div class=\"t m2 x19f hcc y200f ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av endri<span class=\"_ _5\"></span>ng i <span class=\"_ _5\"></span>utsatt sk<span class=\"_ _5\"></span>attefo<span class=\"_ _5\"></span>rdel som<span class=\"_ _5\"></span> ikk<span class=\"_ _5\"></span>e er bala<span class=\"_ _5\"></span>nsef\u00f8<span class=\"_ _5\"></span>rt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cc w6e hdb\"><div class=\"t m2 x0 hcc y200f ff1fc fs53 fc21 sc0 lsab wscb\">142<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cc w6e hdb\"><div class=\"t m2 xf9 hcc y200f ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cd w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Skatt v<span class=\"_ _5\"></span>edr\u00f8re<span class=\"_ _5\"></span>nde tidli<span class=\"_ _5\"></span>gere <span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cd w6e hda\"><div class=\"t m2 x0 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">506<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cd w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(173)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fd0 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Skatte<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>d p\u00e5 dr<span class=\"_ _5\"></span>iftsre<span class=\"_ _5\"></span>sultat f<span class=\"_ _5\"></span>\u00f8r skat<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fd0 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y3fd0 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y41ce w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsaa ws11e\">Effektiv skattes<span class=\"_ _5\"></span>ats<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41ce w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">19 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41ce w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">17 %<span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w34d h4ee\" id=\"_8be43206-ad9f-4731-9c8b-217d86c77074\"><tr><td class=\"c x425 y41cf w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff1fd fs55 fc21 sc0 lsaf wsf6\">Inntektskatt p\u00e5 \u00f8vrige r<span class=\"_ _5\"></span>esultatelementer i totalresultat<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y41d0 w98 hd7\"><div class=\"t m2 x19f hd8 y200f ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y41d1 w98 h11f\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>elemen<span class=\"_ _5\"></span>ter som<span class=\"_ _5\"></span> ikk<span class=\"_ _5\"></span>e vil bl<span class=\"_ _5\"></span>i rekla<span class=\"_ _5\"></span>ssifise<span class=\"_ _5\"></span>rt til <span class=\"_ _5\"></span>resulta<span class=\"_ _5\"></span>tregns<span class=\"_ _5\"></span>kapet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d1 w6e h11f\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(153)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d1 w6e h11f\"><div class=\"t m2 x249 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y41d2 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av net<span class=\"_ _5\"></span>toinvest<span class=\"_ _5\"></span>ering i<span class=\"_ _5\"></span> utenl<span class=\"_ _5\"></span>ands<span class=\"_ _5\"></span>k enhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d2 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(618)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d2 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1fc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td><td></td></tr><tr><td class=\"c x425 y41d3 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Sum inn<span class=\"_ _5\"></span>tekts<span class=\"_ _5\"></span>skatt p<span class=\"_ _5\"></span>\u00e5 \u00f8vri<span class=\"_ _5\"></span>ge resu<span class=\"_ _5\"></span>ltatelem<span class=\"_ _5\"></span>enter<span class=\"_ _5\"></span> i to<span class=\"_ _5\"></span>talres<span class=\"_ _5\"></span>ultat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d3 w6e hd9\"><div class=\"t m2 x1b8 hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscb\">(772)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d3 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff1fd fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">336</span> </div></td><td></td></tr><tr><td class=\"c x3f6 y41d4 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y41d4 w34e h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">Fina<span class=\"_ _5\"></span>nsskatt<span class=\"_ _5\"></span> er en<span class=\"_ _5\"></span> tille<span class=\"_ _5\"></span>ggsskatt<span class=\"_ _5\"></span> som <span class=\"_ _5\"></span>p\u00e5legge<span class=\"_ _5\"></span>s norsk<span class=\"_ _5\"></span>e sels<span class=\"_ _5\"></span>kaper i<span class=\"_ _5\"></span>nnen fi<span class=\"_ _5\"></span>nans<span class=\"_ _5\"></span>sekt<span class=\"_ _5\"></span>oren. Sk<span class=\"_ _5\"></span>atten <span class=\"_ _5\"></span>er en <span class=\"_ _5\"></span>forh\u00f8yet<span class=\"_ _5\"></span> inntek<span class=\"_ _5\"></span>tsb<span class=\"_ _5\"></span>eskatni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>av fi<span class=\"_ _5\"></span>nansf<span class=\"_ _5\"></span>oretak m<span class=\"_ _5\"></span>ed 3 p<span class=\"_ _5\"></span>rosen<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x42c y41d5 w34f h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">poeng<span class=\"lsd2 ws12b\">.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y41d6 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y41d6 w350 h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">I 20<span class=\"_ _5\"></span>2<span class=\"lsb2 wsf1\">5 </span>medf<span class=\"_ _5\"></span>\u00f8rte gj<span class=\"_ _5\"></span>eldsre<span class=\"_ _5\"></span>ntefor<span class=\"_ _5\"></span>deling<span class=\"_ _5\"></span>en et r<span class=\"_ _5\"></span>entefr<span class=\"_ _5\"></span>adrag i<span class=\"_ _5\"></span> Norg<span class=\"_ _5\"></span>e som re<span class=\"_ _5\"></span>duser<span class=\"_ _5\"></span>te skatte<span class=\"_ _5\"></span>kost<span class=\"_ _5\"></span>naden i k<span class=\"_ _5\"></span>ons<span class=\"_ _5\"></span>ernet m<span class=\"_ _5\"></span>ed 2 264<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>milli<span class=\"_ _5\"></span>oner krone<span class=\"_ _5\"></span>r, mot<span class=\"_ _5\"></span> <span class=\"wsd0\">3 690<span class=\"ls0 ws0\"> <span class=\"lsa7 wsd1\">millioner i<span class=\"_ _1c5\"> </span></span></span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y41e0 w351 h4ef\"><div class=\"t m2 x3f4 hd8 y41d7 ff1fe fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hd1 y41d8 ff1fd fs55 fc21 sc0 lsaf wsf6\">Endring i skatteregler med virkning fra 2026  <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41d9 ff1fc fs55 fc21 sc0 lsaf wsf6\">Skatteloven \u00a7 6<span class=\"ls0 ws0\">-</span>91 er endret ved at det innf\u00f8res direkte tilordning av gjeldsrent<span class=\"_ _5\"></span>efradrag for finansforet<span class=\"_ _5\"></span>ak med utenlandsvirksomhet n\u00e5r </div><div class=\"t m2 x3f4 hcf y41da ff1fc fs55 fc21 sc0 lsaf wsf6\">skatteavt<span class=\"_ _5\"></span>alen med landet det gjelder anvender unntaksmetoden. Virkeomr\u00e5det er begrens<span class=\"_ _5\"></span>et til finansforetak som ikke lengr<span class=\"wsd2\">e sk<span class=\"_ _5\"></span>al bruke </span></div><div class=\"t m2 x3f4 hcf y41db ff1fc fs55 fc21 sc0 lsaf wsf6\">sjablongregelen f<span class=\"_ _5\"></span>or gjeldsrentefradrag uten direkt<span class=\"_ _5\"></span>e tilordning etter den aktuelle skatteavt<span class=\"_ _5\"></span>alens regler, der rentefradraget fordel<span class=\"_ _5\"></span>es etter hvor </div><div class=\"t m2 x3f4 hcf y41dc ff1fc fs55 fc21 sc0 lsaf wsf6\">gjeldsrent<span class=\"_ _5\"></span>ene er p\u00e5dratt og ikke etter eiendelenes fordeling ved utgangen av \u00e5ret. For DNB betyr de<span class=\"wsd2\">tte at s<span class=\"_ _5\"></span>katteeffekten <span class=\"_ _5\"></span>av </span></div><div class=\"t m2 x3f4 hcf y41dd ff1fc fs55 fc21 sc0 lsaf wsf6\">gjeldsrent<span class=\"_ _5\"></span>efordelingen vist i tabellen over, jfr. fotnot<span class=\"_ _5\"></span>e 2, vil utg\u00e5 fra og med 2026. Det er for<span class=\"_ _1\"></span>vent<span class=\"_ _5\"></span>et at konsernets effekti<span class=\"wsd2\">ve sk<span class=\"_ _5\"></span>attesats fra <span class=\"_ _5\"></span>og med </span></div><div class=\"t m2 x3f4 hcf y41de ff1fc fs55 fc21 sc0 lsaf wsf6\">2026 vil \u00f8ke tilsvarende.    <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41df ff1fc fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></td><td class=\"c x421 y4174 w352 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">I Nor<span class=\"_ _5\"></span>ge er<span class=\"_ _5\"></span> et selsk<span class=\"_ _5\"></span>aps i<span class=\"_ _5\"></span>nntek<span class=\"_ _5\"></span>ter fra ak<span class=\"_ _5\"></span>sj<span class=\"_ _5\"></span>einveste<span class=\"_ _5\"></span>ringer<span class=\"_ _5\"></span> normal<span class=\"_ _5\"></span>t un<span class=\"_ _5\"></span>ntatt sk<span class=\"_ _5\"></span>attepli<span class=\"_ _5\"></span>kt. Som<span class=\"_ _5\"></span> hove<span class=\"_ _5\"></span>dregel<span class=\"_ _5\"></span> gjeld<span class=\"_ _5\"></span>er dett<span class=\"_ _5\"></span>e inves<span class=\"_ _5\"></span>terin<span class=\"_ _5\"></span>ger i s<span class=\"_ _5\"></span>elska<span class=\"_ _5\"></span>per hj<span class=\"_ _5\"></span>emmeh\u00f8<span class=\"_ _5\"></span>rende i<span class=\"_ _1c5\"> </span></div></td><td class=\"c x42c y3ead w353 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\">4</span><span class=\"ls0 ws0\"><span class=\"lsaa wscd\">. </span></span></div></td><td class=\"c x4a0 y3ead w354 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">Red<span class=\"_ _5\"></span>uksjo<span class=\"_ _5\"></span>nen<span class=\"ls0 ws0\"> </span><span class=\"wscd\">i f<span class=\"_ _5\"></span>radrage<span class=\"_ _5\"></span>t i 202<span class=\"_ _5\"></span></span>5 <span class=\"wsd0\">f\u00f8lge<span class=\"_ _5\"></span>r av <span class=\"wscd\">noe lav<span class=\"_ _5\"></span>ere<span class=\"ls0 ws0\"> <span class=\"lsa7 wsd1\">aktivitet i USA</span> </span>i f<span class=\"_ _5\"></span>jerde k<span class=\"_ _5\"></span>vartal<span class=\"_ _5\"></span><span class=\"lsaa ws11e\">.<span class=\"_ _1c5\"> </span></span></span></span></div></td></tr><tr><td></td><td class=\"c x42c y3eae w355 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">EU/E\u00d8S<span class=\"_ _5\"></span>. Skattef<span class=\"_ _5\"></span>ritak<span class=\"_ _5\"></span>et gjel<span class=\"_ _5\"></span>der b<span class=\"_ _5\"></span>\u00e5de ut<span class=\"_ _5\"></span>bytte o<span class=\"_ _5\"></span>g gevins<span class=\"_ _5\"></span>ter (t<span class=\"_ _5\"></span>ap) ve<span class=\"_ _5\"></span>d reali<span class=\"_ _5\"></span>sasj<span class=\"_ _5\"></span>on. 3 p<span class=\"_ _5\"></span>rosent av<span class=\"_ _5\"></span> utby<span class=\"_ _5\"></span>tte fra sli<span class=\"_ _5\"></span>ke sk<span class=\"_ _5\"></span>attefrit<span class=\"_ _5\"></span>atte i<span class=\"_ _5\"></span>nvest<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er inn<span class=\"_ _5\"></span>g\u00e5r dog li<span class=\"_ _5\"></span>kevel<span class=\"_ _5\"></span> i<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x3f6 y41e2 w356 h4f0\"><div class=\"t m2 x43a hd8 y41e1 ff1fe fs53 fc21 sc0 lsab wscd\">skattepli<span class=\"_ _5\"></span>ktig in<span class=\"_ _5\"></span>ntekt<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3fb6 ff1fc fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w359 h4f2\" id=\"_c3728e63-fee8-4d49-9c7c-78b85fee70ec\"><tr><td class=\"c x3db y41f5 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff204 fs55 fc21 sc0 lsc1 ws116\">Utsatt skattefordel<span class=\"_ _5\"></span>/(utsatt skatt)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y41f6 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f6 w183 hd7\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41f6 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41f7 w13c h119\"><div class=\"t m2 x19f hdc y1db0 ff204 fs53 fc21 sc0 lsa9 ws87\">\u00c5ret<span class=\"_ _1\"></span>s bev<span class=\"_ _1\"></span>egelser<span class=\"_ _1\"></span> i utsa<span class=\"_ _1\"></span>tt skat<span class=\"_ _1\"></span>teford<span class=\"_ _1\"></span>el/(<span class=\"_ _1\"></span>utsatt<span class=\"_ _1\"></span> skatt<span class=\"_ _1\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y41f8 w13c hda\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel/<span class=\"_ _5\"></span>(utsatt<span class=\"_ _5\"></span> skatt)<span class=\"_ _5\"></span> per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f8 w183 hda\"><div class=\"t m2 x1ab hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y41f8 w6e hda\"><div class=\"t m2 x19e hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">334</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y41f9 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Endring f<span class=\"_ _5\"></span>\u00f8rt m<span class=\"_ _5\"></span>ot ordi<span class=\"_ _5\"></span>n\u00e6rt r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f9 w183 hdb\"><div class=\"t m2 x247 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">921</span> </div></td><td class=\"c x3de y41f9 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y41fa w13c hde\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Endring f<span class=\"_ _5\"></span>\u00f8rt m<span class=\"_ _5\"></span>ot \u00f8vri<span class=\"_ _5\"></span>ge resul<span class=\"_ _5\"></span>tatel<span class=\"_ _5\"></span>emen<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fa w183 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">(153)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fa w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fb w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Omregni<span class=\"_ _5\"></span>ngsdif<span class=\"_ _5\"></span>feran<span class=\"_ _5\"></span>ser p\u00e5 ut<span class=\"_ _5\"></span>satt<span class=\"_ _5\"></span> skatt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fb w183 hdb\"><div class=\"t m2 x20e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fb w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fc w13c hda\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fc w183 hda\"><div class=\"t m2 x1b9 hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">(299)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fc w6e hda\"><div class=\"t m2 x249 hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fd w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Endring s<span class=\"_ _5\"></span>om f<span class=\"_ _5\"></span>\u00f8lge av <span class=\"_ _5\"></span>konse<span class=\"_ _5\"></span>rnbidr<span class=\"_ _5\"></span>ag<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fd w183 hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fd w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fe w13c h135\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel/<span class=\"_ _5\"></span>(utsatt<span class=\"_ _5\"></span> skatt)<span class=\"_ _5\"></span> per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fe w183 h135\"><div class=\"t m2 x1ab hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">757</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y41fe w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w35a h4f3\" id=\"_01730ad8-303c-4776-8479-f82e4d365a12\"><tr><td class=\"c x3f6 y41ff w35b h4f4\"><div class=\"t m2 x3f4 hd1 y3f04 ff204 fs55 fc21 sc0 lsaf wsf6\">Utsatt skattefordel og u<span class=\"_ _5\"></span>tsatt skatt i balansen vedr\u00f8rer f\u00f8lgende<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4200 w35c h4f4\"><div class=\"t m2 x3f4 hd1 y3f04 ff204 fs55 fc21 sc0 lsbc ws0\">midler<span class=\"_ _1\"></span>tidige<span class=\"_ _1\"></span> fors<span class=\"_ _1\"></span>kjelle<span class=\"_ _1\"></span>r</div></td><td></td><td class=\"c x438 y4201 w161 h1de\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">             <span class=\"lsab wscd\">U<span class=\"_ _5\"></span>tsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4201 w184 h1de\"><div class=\"t m2 x20f hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">         <span class=\"lsaa ws11e\">Uts<span class=\"_ _5\"></span>att skatt</span><span class=\"ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4202 w13c h11f\"><div class=\"t m2 x19f hd8 y1dae ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4202 w183 h11f\"><div class=\"t m2 x4f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4203 w13c h154\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>og imm<span class=\"_ _5\"></span>ateriell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4203 w6e h154\"><div class=\"t m2 x249 hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4203 w6e h154\"><div class=\"t m2 x1b8 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">(179)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4203 w183 h154\"><div class=\"t m2 x247 hcc y1dc1 ff205 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">982</span> </div></td><td class=\"c x3de y4203 w6e h154\"><div class=\"t m2 x248 hcc y1dc1 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">540</span> </div></td></tr><tr><td class=\"c x3db y4204 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4204 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4204 w183 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">(418)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4204 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">545</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4205 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a8 y4205 w183 hdb\"><div class=\"t m2 x247 hcc y1dae ff205 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">427</span> </div></td><td class=\"c x3de y4205 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff205 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">747</span> </div></td></tr><tr><td class=\"c x3db y4206 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4206 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4206 w183 hde\"><div class=\"t m2 x20e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(83)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4206 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">419</span> </div></td></tr><tr><td class=\"c x3db y4207 w13c hda\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsf<span class=\"_ _5\"></span>orpli<span class=\"_ _5\"></span>ktelser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4207 w6e hda\"><div class=\"t m2 x227 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4207 w6e hda\"><div class=\"t m2 x227 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4207 w183 hda\"><div class=\"t m2 x1ab hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">551</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4207 w6e hda\"><div class=\"t m2 x19e hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">353</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4208 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser (I<span class=\"_ _5\"></span>FRS 17<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a8 y4208 w183 hdb\"><div class=\"t m2 x1ab hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">453</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4208 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">209</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4209 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Netto a<span class=\"_ _5\"></span>ndre sk<span class=\"_ _5\"></span>atter<span class=\"_ _5\"></span>eduse<span class=\"_ _5\"></span>rende midl<span class=\"_ _5\"></span>erti<span class=\"_ _5\"></span>dige fo<span class=\"_ _5\"></span>rskjell<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">188<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">649<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4209 w183 hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y420a w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wsd0\">Framf\u00f8r<span class=\"_ _5\"></span>bart unders<span class=\"_ _5\"></span>kudd/<span class=\"_ _5\"></span>ubenyt<span class=\"_ _5\"></span>tet kred<span class=\"_ _5\"></span>itfra<span class=\"_ _5\"></span>drag<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y420a w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y420a w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y420a w183 hde\"><div class=\"t m2 x1ab hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">325</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y420a w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">375</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y420b w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff204 fs53 fc21 sc0 lsb2 wsf2\">Sum uts<span class=\"_ _5\"></span>att s<span class=\"_ _5\"></span>katte<span class=\"_ _5\"></span>fordel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y420b w6e hdd\"><div class=\"t m2 x0 hdc y1da9 ff204 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y420b w6e hdd\"><div class=\"t m2 x0 hdc y1da9 ff204 fs53 fc21 sc0 lsab wscb\">687<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y420b w183 hdd\"><div class=\"t m2 x247 hdc y1da9 ff204 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">006</span> </div></td><td class=\"c x3de y420b w6e hdd\"><div class=\"t m2 x248 hdc y1da9 ff204 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">823</span> </div></td></tr></table>En betydelig del av finansi<span class=\"_ _5\"></span>elle instrumenter blir i finansregnskapet m\u00e5lt til<span class=\"_ _5\"></span> markedsverdi, mens i skatteregnskapet behandles<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>de etter realisa<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>sjons<span class=\"wsf6\">pri<span class=\"_ _5\"></span>nsippet. Det kan gi store forskjeller mellom regnskapsmessig resul<span class=\"_ _5\"></span>tat og beregnet skattemessig resultat<span class=\"ls0 ws0\"> </span>f<span class=\"_ _5\"></span>or det enkelte regnskaps\u00e5r, </span>spesielt i<span class=\"_ _5\"></span> \u00e5r med s<span class=\"_ _5\"></span>tore bevegels<span class=\"_ _5\"></span>er i rente<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og kursniv\u00e5er. Forsk<span class=\"_ _5\"></span>jellene utliknes over tid.<span class=\"ls0 ws0\"> </span></span>Store endringer i valutak<span class=\"_ _5\"></span>ursniv\u00e5er i 202<span class=\"ls0 ws0\">5 </span>og 202<span class=\"ls0 ws0\">4 </span>har medf\u00f8rt at konsernet har f\u00e5tt betydelige endringer i verdien av urealiserte mer<span class=\"ls0 ws0\">-<span class=\"lsbd ws104\">/<span class=\"_ _5\"></span>mi<span class=\"_ _5\"></span>ndr<span class=\"_ _5\"></span>e</span>-<span class=\"_ _1c5\"> </span></span>verdier p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter som brukes i forbindelse med styring av konsernets v<span class=\"_ _5\"></span>aluta<span class=\"ls0 ws0\">- </span>og renterisiko. Finansiell<span class=\"_ _5\"></span>e instrumenter behandles etter realisasjo<span class=\"wscf\">ns<span class=\"_ _5\"></span></span>prinsippet, mens fordringer og gjeld i v<span class=\"_ _5\"></span>aluta behandles etter dagskursprinsippet.<span class=\"_ _5\"></span> Disse forskjellene forventes revers<span class=\"_ _5\"></span>ert i l\u00f8<span class=\"wscf\">pet </span>av kort<span class=\"_ _5\"></span> tid. <span class=\"ls0 ws0\"> </span><table class=\"s w357 h4f1\" id=\"_edc1689a-d516-4fb0-8af2-0e34187182fd\"><tr><td class=\"c x3fc y41e3 w149 h139\"><div class=\"t m2 x19f hd1 y2193 ff204 fs55 fc21 sc0 lsaf wsf6\">Oversikt over skatteford<span class=\"_ _5\"></span>eler fra underskudd og kreditfradrag til framf\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4a1 y41e4 w10f hd7\"><div class=\"t m2 x9f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a2 y41e4 w185 hd7\"><div class=\"t m2 x1df hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4a1 y41e5 w6f h13b\"><div class=\"t m2 x20f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Samlede <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e5 w6e h13b\"><div class=\"t m2 x20c hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Herav <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e5 w6e h13b\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e5 w183 h13b\"><div class=\"t m2 x4f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Samlede <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e5 w6e h13b\"><div class=\"t m2 x20c hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Herav <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e5 w6e h13b\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a1 y41e6 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">framf\u00f8rb<span class=\"_ _5\"></span>are <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e6 w6e hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">grunnl<span class=\"_ _5\"></span>ag for <span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a4 y41e6 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">utsatt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e6 w183 hd7\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">framf\u00f8rb<span class=\"_ _5\"></span>are <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e6 w6e hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">grunnl<span class=\"_ _5\"></span>ag for <span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a6 y41e6 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">utsatt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41e7 w10c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41e7 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">unders<span class=\"_ _5\"></span>kudd <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e7 w6e hd7\"><div class=\"t m2 x242 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8ring<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e7 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">skattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span></span> </div></td><td class=\"c x4a2 y41e7 w183 hd7\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">unders<span class=\"_ _5\"></span>kudd <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e7 w6e hd7\"><div class=\"t m2 x242 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8ring<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e7 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">skattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3fc y41e8 w10c h13b\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Undersk<span class=\"_ _5\"></span>udd til<span class=\"_ _5\"></span> framf<span class=\"_ _5\"></span>\u00f8ring:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y41e9 w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Norge<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41e9 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">928<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e9 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">896<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e9 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">219<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e9 w183 hdb\"><div class=\"t m2 x209 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>161<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e9 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>034<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e9 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">252</span> </div></td></tr><tr><td class=\"c x3fc y41ea w10c hde\"><div class=\"t m2 x163 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">Singapo<span class=\"_ _5\"></span>re<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ea w6f hde\"><div class=\"t m2 x0 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">259<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ea w6e hde\"><div class=\"t m2 x1b6 hcc y2401 ff205 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x4a2 y41ea w183 hde\"><div class=\"t m2 x204 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41eb w10c hda\"><div class=\"t m2 x163 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">Danmar<span class=\"_ _5\"></span>k<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41eb w6f hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41eb w6e hda\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41eb w183 hda\"><div class=\"t m2 x2d7 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41ec w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Sverig<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ec w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ec w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ec w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x4a2 y41ec w183 hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">172<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41ed w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsa7 wsc9\">USA<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ed w6f hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ed w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ed w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y41ee w73 h182\"><div class=\"t m2 x1b5 hcc y299f ff205 fs53 fc21 sc0 lsab wsd0\">Sum framf<span class=\"_ _5\"></span>\u00f8rbare und<span class=\"_ _5\"></span>ersku<span class=\"_ _5\"></span>dd og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y41ef w10c h1df\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a1 y41ef w6f h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x4a3 y41ef w6e h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">382</span> </div></td><td class=\"c x4a4 y41ef w6e h1df\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">335<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41ef w183 h1df\"><div class=\"t m2 x209 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>272<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41ef w6e h1df\"><div class=\"t m2 x1ba hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41ef w6e h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">455</span> </div></td></tr><tr><td class=\"c x3f6 y41f0 w358 h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff205 fs53 fc21 sc0 lsab wscd\">Kredits<span class=\"_ _5\"></span>katt til f<span class=\"_ _5\"></span>ramf<span class=\"_ _5\"></span>\u00f8ring</div><div class=\"t m2 x4a7 h121 y3e5e ff205 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f1 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">030</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f1 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">123</span> </div></td></tr><tr><td class=\"c x3fc y41f2 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff204 fs53 fc21 sc0 lsb3 wsf1\">Sum u<span class=\"_ _5\"></span>tsatt<span class=\"_ _5\"></span> skat<span class=\"_ _5\"></span>tefor<span class=\"_ _5\"></span>del<span class=\"_ _5\"></span> fra <span class=\"_ _5\"></span>under<span class=\"_ _5\"></span>sku<span class=\"_ _5\"></span>dd o<span class=\"_ _5\"></span>g kredi<span class=\"_ _5\"></span>tfra<span class=\"_ _5\"></span>dra<span class=\"_ _5\"></span>g til fr<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>f\u00f8ri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f2 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff204 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">365</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f2 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff204 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">577</span> </div></td></tr><tr><td class=\"c x3fc y41f3 w13c hda\"><div class=\"t m2 x19f hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscd\">Herav p<span class=\"_ _5\"></span>resent<span class=\"_ _5\"></span>ert unde<span class=\"_ _5\"></span>r nett<span class=\"_ _5\"></span>o utsa<span class=\"_ _5\"></span>tt ska<span class=\"_ _5\"></span>tteford<span class=\"_ _5\"></span>el<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f3 w6e hda\"><div class=\"t m2 x227 hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a6 y41f3 w6e hda\"><div class=\"t m2 x0 hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41f4 w13c hdb\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsab wscd\">Herav p<span class=\"_ _5\"></span>resent<span class=\"_ _5\"></span>ert unde<span class=\"_ _5\"></span>r nett<span class=\"_ _5\"></span>o utsa<span class=\"_ _5\"></span>tt ska<span class=\"_ _5\"></span>tt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f4 w6e hdb\"><div class=\"t m2 x248 hd8 y1db0 ff206 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">325</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f4 w6e hdb\"><div class=\"t m2 x248 hd8 y1db0 ff206 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">375</span> </div></td></tr></table>1 <span class=\"_ _1b4\"> </span><span class=\"lsab wsd0\">Al<span class=\"_ _5\"></span>l kreditska<span class=\"_ _5\"></span>tt til framf\u00f8ri<span class=\"_ _5\"></span>ng vedr<span class=\"_ _5\"></span>\u00f8rer norsk<span class=\"_ _5\"></span>e skattes<span class=\"_ _5\"></span>ubjekt<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></span><span class=\"lsab wsd0\">.<span class=\"_ _1c5\"> </span></span>Usikre s<span class=\"_ _5\"></span>katteforp<span class=\"_ _5\"></span>liktelse<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>Varsel<span class=\"_ _1\"></span> om en<span class=\"_ _1\"></span>drin<span class=\"_ _1\"></span>g av s<span class=\"_ _1\"></span>kattef<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>ttelsen<span class=\"_ _1\"></span> for D<span class=\"_ _1\"></span>NB Ban<span class=\"_ _1\"></span>k ASA<span class=\"_ _1\"></span> for 20<span class=\"_ _1\"></span>18<span class=\"ls0 ws0\">\u2013<span class=\"lscb ws122\">202</span>3  </span>DNB Bank ASA mottok i 2023 varsel fra de norske skattemyndighetene om endring av skattefastset<span class=\"_ _5\"></span>ting av utbytte mottatt i 2019 og 2020 fra datterselskapet<span class=\"_ _5\"></span> i USA. Skattemyndighetene varslet ogs\u00e5 at betalinger fra dattersels<span class=\"_ _5\"></span>kapet, som gjelder selskapets andel <span class=\"wsd2\">av skattebet<span class=\"_ _5\"></span>alinger i </span>sambeskatning i USA i perioden 2018<span class=\"ls0 ws0\">\u2013</span>2022, skulle anses som skattepliktig ut<span class=\"_ _5\"></span>bytte. Varselet innebar en samlet skatteeksponering f<span class=\"_ _5\"></span>or DNB p\u00e5 om lag 1,8 milliarder kroner. DNB var uenig i skattemyndighet<span class=\"_ _5\"></span>enes varsel i sin helhet, og det har ikke v\u00e6rt regnskapsf\u00f8rt noen avsetninger. <span class=\"ls0 ws0\"> </span>I august 2025 besluttet skattemy<span class=\"_ _5\"></span>ndighetene \u00e5 ikke g\u00e5 videre med vurderingen av USA som lavskatteland, og utbytte mottatt i 2019 og 2020 omfattes dermed av fritaksmet<span class=\"_ _5\"></span>oden. I vedtak mottatt i januar 2026 fastholder skattemyndighetene si<span class=\"_ _5\"></span>tt syn om at skattebetalingene skal klassifiseres<span class=\"_ _5\"></span> som utbytt<span class=\"_ _5\"></span>e med 3 <span class=\"_ _5\"></span>prosent skatt. <span class=\"wsf6\">V<span class=\"_ _5\"></span>edtaket gjelder perioden 2018<span class=\"ls0 ws0\">-</span><span class=\"wscf\">2023. </span>Saml<span class=\"_ _5\"></span>et skatteeksponeringen etter dette er redusert til om </span>lag 14 <span class=\"_ _5\"></span>millioner kroner.<span class=\"_ _5\"></span>  <span class=\"ls0 ws0\"> </span>Vedtak<span class=\"_ _5\"></span> om endring av<span class=\"_ _5\"></span> skattefastse<span class=\"_ _5\"></span>ttelsen f<span class=\"_ _5\"></span>or DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng for 2018<span class=\"ls0 ws0\"> </span>Det ble for inntekts\u00e5ret 2018 innf\u00f8rt nye skatteregl<span class=\"_ _5\"></span>er for livsforsikrings<span class=\"ls0 ws0\">- </span>og pensjonsf<span class=\"_ _5\"></span>oretak, med tilh\u00f8rende overgangsregler.<span class=\"_ _5\"></span> Ved utarbeidelse av regnskapet og skattemeldingen f<span class=\"_ _5\"></span>or DNB Livsforsikring i 2018 var det uklart hvordan overgangsregl<span class=\"_ _5\"></span>ene skulle t<span class=\"wscf\">olkes, herunder </span>virkni<span class=\"_ _5\"></span>ngstidspunktet for reglene, og DNB Livsforsikri<span class=\"_ _5\"></span>ng var ikke enig i Skattemyndighetenes tolkning av lovens opprinnelige ordly<span class=\"_ _5\"></span>d. I skattemeldi<span class=\"_ _5\"></span>ngen for 2018 krevde DNB Livsforsikring et st\u00f8rre skattemessig fradrag for overgangseff<span class=\"_ _5\"></span>ektene enn den regnskapsf\u00f8rte skatte<span class=\"_ _1\"></span>effe<span class=\"_ _1\"></span>kten.<span class=\"ls0 ws0\"> </span>I januar 2022 mottok DNB Livsforsikring et vedtak om endring av skattef<span class=\"_ _5\"></span>astsettelsen for 2018. DNB Livsforsikring <span class=\"wscf\">har klage<span class=\"ls0 ws0\">t<span class=\"_ _5\"></span> </span></span><span class=\"lsbd\">p\u00e5 <span class=\"_ _5\"></span>ve<span class=\"_ _5\"></span>dta<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il<span class=\"_ _5\"></span> </span>Skatteklagenem<span class=\"_ _5\"></span>nda. Det er flere punkter som er oppe til vurdering, og det er knyttet usikkerhet til utfallet av disse, hvor det b\u00e5de kan bli lavere og h\u00f8yere skattefradrag enn det som er lagt til grunn i konsernregnskapet<span class=\"_ _5\"></span>. Dersom selskapet<span class=\"ls0 ws0\"> </span>ikke vinner fram<span class=\"_ _5\"></span> p\u00e5 noen av punktene, vil dette gi en ytterligere \u00f8kt skatt<span class=\"_ _5\"></span>ekostnad p\u00e5 460 millioner kroner knyttet til overgangseff<span class=\"_ _5\"></span><span class=\"wsd2\">ekten i <span class=\"_ _5\"></span>2018.<span class=\"ls0 ws0\"> </span></span>Avvik<span class=\"_ _5\"></span>ling av datte<span class=\"_ _5\"></span>rselska<span class=\"_ _5\"></span>p i Singapore<span class=\"ls0 ws0\"> </span>I desember 2024 mottok DNB Bank ASA et brev fra skattemyndighetene med varsel om mulig endring av skattefastsetti<span class=\"_ _5\"></span>ngen for 202<span class=\"ls0 ws0\">2 <span class=\"lsbc ws10c\">kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> </span></span>skattemessi<span class=\"_ _5\"></span>g behandling av gevinsten ved avvikling av datterselskap i Singapore i 2022. I brevet varslet sk<span class=\"_ _5\"></span>attemyndighetene at de legge<span class=\"ls0 ws0\">r <span class=\"lsbe ws10b\">ti<span class=\"_ _5\"></span>l </span></span>grunn at Singapore skal anses som et lavskattel<span class=\"_ _5\"></span>and for datterselskapet<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">sl<span class=\"_ _5\"></span>ik at frit<span class=\"_ _5\"></span>aksmetoden ikke k<span class=\"_ _5\"></span>ommer til <span class=\"_ _5\"></span>anvendelse.<span class=\"ls0 ws0\"> </span></span>I andre kvartal 2025 mottok DNB et utkast til vedtak i saken, hvor skattemy<span class=\"_ _5\"></span>ndighetene opprettholder at gevins<span class=\"wscf\">ten<span class=\"ls0 ws0\"> </span></span>v<span class=\"_ _5\"></span>ed avviklingen av datterselskapet er skattepliktig for DNB Bank ASA. Skattemyndighetens<span class=\"_ _5\"></span> standpunkt er s\u00e6rlig basert p\u00e5 myndighetenes vurdering av at datterselskapet<span class=\"_ _5\"></span> ville kvalifisert for en skattei<span class=\"_ _5\"></span>nsentivordning i Singapore som ville ha gitt selskapet en<span class=\"ls0 ws0\"> </span>eff<span class=\"_ _5\"></span>ektiv beskatning p\u00e5 under to tredjedeler av norsk effektiv beskatning. <span class=\"ls0 ws0\"> </span>DNB Bank ASA er uenig i skattemyndighetenes vurderinger og standpunk<span class=\"_ _5\"></span>t i saken. DNB Bank ASA vurderer det slik at skatteinsent<span class=\"wscf\">ivordningen </span>ikke kan legges til grunn ved lavskattel<span class=\"_ _5\"></span>andvurderingen, og at Singapore dermed ikke skal anses som et lavskattel<span class=\"_ _5\"></span>and for<span class=\"ls0 ws0\"> </span>datterselskapet. DNB Bank ASA mener derfor at fritaksmetoden kommer t<span class=\"_ _5\"></span>il anvendelse slik at gevinsten ikke er skatteplikti<span class=\"_ _5\"></span>g.<span class=\"ls0 ws0\"> </span>Saken resulterte i en<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">sa<span class=\"_ _5\"></span>ml<span class=\"_ _5\"></span>et<span class=\"_ _5\"></span> </span></span>skatteeks<span class=\"_ _5\"></span>ponering for DNB <span class=\"_ _5\"></span>p\u00e5 om lag 1,<span class=\"_ _5\"></span>36 milliarder k<span class=\"_ _5\"></span>roner<span class=\"wsf6\">, og det ble i 2023<span class=\"ls0 ws0\"> </span>regnskapsf\u00f8rt en avsetning et<span class=\"_ _5\"></span>ter beste estimat i saken. <span class=\"ls0 ws0\"> </span></span>Varsel<span class=\"_ _1\"></span> om en<span class=\"_ _1\"></span>drin<span class=\"_ _1\"></span>g av s<span class=\"_ _1\"></span>kattef<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>ttelsen<span class=\"_ _1\"></span> for D<span class=\"_ _1\"></span>NB Ban<span class=\"_ _1\"></span>k ASA<span class=\"_ _1\"></span> for 20<span class=\"_ _1\"></span>19<span class=\"ls0 ws0\">-</span><span class=\"ws125\">2023<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span>DNB Bank ASA mottok i tredje kvartal 2024 et varsel fra norske skattemyndighet<span class=\"_ _5\"></span>er om endring av skattefastsettelsen som f\u00f8lge av endret prising av konserni<span class=\"_ _5\"></span>nterne transaksjoner med datterselskaper i utlandet. Varsel<span class=\"_ _5\"></span>et gjelder inntekts\u00e5rene 2019<span class=\"ls0 ws0\">\u2013</span>2023. Sum varslet endringsbel\u00f8p for inntekts\u00e5rene 2019<span class=\"ls0 ws0\">\u2013</span>2021 inneb\u00e6rer en sk<span class=\"_ _5\"></span>atteeksponering p\u00e5 om lag 1,3 milliarder kroner, mens endringen for \u00e5rene 2022 og 2023 ikke er tallfest<span class=\"_ _5\"></span>et. DNB er uenig i skattemyndighetenes tiln\u00e6rming og vurderinger. Det er DNBs oppfatning at<span class=\"ls0 ws0\"> </span>banken har en sterk sak, og det er ikke regnskapsf\u00f8<span class=\"_ _5\"></span>rt noen avsetninger. <span class=\"ls0 ws0\"> </span>Pilar 2 innt<span class=\"_ _5\"></span>ektss<span class=\"_ _5\"></span>katt<span class=\"ls0 ws0\"> </span>Norge, og andre jurisdiksj<span class=\"_ _5\"></span>oner der konsernet opererer, har implementert et minimumssk<span class=\"_ _5\"></span>atteregime for multinasjonal<span class=\"_ _5\"></span>e selskaper,<span class=\"ls0 ws0\"> </span>pilar 2<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>modellregler,<span class=\"_ _5\"></span> effektiv fra 1. januar 2024. Basert p\u00e5 disse modellreglene er konsernet p\u00e5lagt \u00e5 beregne en effektiv skattes<span class=\"_ _5\"></span><span class=\"lsbd ws117\">at<span class=\"_ _5\"></span>s (s<span class=\"_ _5\"></span>om<span class=\"_ _5\"></span> def<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>pilar 2<span class=\"ls0 ws0\">-</span>modellreglene) f<span class=\"_ _5\"></span>or hver jurisdiksjon der det opererer, samt \u00e5 betale en suppleringssk<span class=\"_ _5\"></span>att som utgj\u00f8r differansen mellom den be<span class=\"wscf\">regnede </span>effektive skatt<span class=\"_ _5\"></span>esatsen for hver jurisdiksjon og en 15 prosent minimums<span class=\"ls0 ws0\">-<span class=\"lsbf ws107\">ska<span class=\"_ _1\"></span>ttesat<span class=\"_ _1\"></span>s.<span class=\"ls0 ws0\"> </span></span></span>Konsernet har anvendt det obligatoris<span class=\"_ _5\"></span>ke unntaket for \u00e5 innregne og opplyse om utsatt skattefordel og forpliktelse relatert<span class=\"_ _5\"></span> til implementeringen av pilar 2<span class=\"ls0 ws0\">-</span><span class=\"wscf\">modellregler.<span class=\"ls0 ws0\"> </span></span>Vurderingen av kons<span class=\"_ _5\"></span>ernets potensielle eksponering mot pilar 2<span class=\"ls0 ws0\">-</span>innt<span class=\"_ _5\"></span>ektsskatt er basert p\u00e5 de siste skatterapporteringene og land<span class=\"ls0 ws0\">-</span><span class=\"wscf\">for<span class=\"ls0 ws0\">-</span>land </span>rapportering for de relev<span class=\"_ _5\"></span>ante enhetene i konsernet. Basert p\u00e5 vurderingene, er konsernets effektive skattesats over 15 pros<span class=\"_ _5\"></span>ent i nesten alle jurisdiks<span class=\"_ _5\"></span>joner hvor det opererer, og det er vurdert at konsernet ikke vil bli underlagt pilar 2<span class=\"ls0 ws0\">-</span>suppleringssk<span class=\"_ _5\"></span>att i disse jurisdiksjonene. I noen f\u00e5 jurisdiks<span class=\"_ _5\"></span>joner er det en risiko for at den effektive skattesatsen etter pilar 2<span class=\"ls0 ws0\">-</span><span class=\"wscf\">modell</span>reglene vil<span class=\"_ _5\"></span> v\u00e6re under 15 prosent. DNB<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">konsernet forventer </span>ingen vesentli<span class=\"_ _5\"></span>ge eksponeringer mot pilar 2<span class=\"ls0 ws0\">-</span>inntektsskattereglene i<span class=\"_ _5\"></span> disse jurisdiksjonene, og det er ikke avsatt for suppleringsskat<span class=\"_ _5\"></span>t i regnskapet for 2025.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-440": {
   "value": "Note K25 Sk<span class=\"_ _1\"></span>att<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innte<span class=\"_ _5\"></span>ktssk<span class=\"_ _5\"></span>att <span class=\"ls0 ws0\"> </span>\u00c5rets skattekostnad omfatt<span class=\"_ _5\"></span>er betalbar skatt for inntekts\u00e5ret<span class=\"_ _5\"></span>, eventuell betalbar skatt for tidligere \u00e5r samt endring i utsatt<span class=\"ls0 ws0\"> </span>sk<span class=\"_ _5\"></span>att p\u00e5 midlertidige forskjell<span class=\"_ _5\"></span>er. Midlertidige forskjell<span class=\"_ _5\"></span>er er forskjeller mellom balansef\u00f8rt verdi av en eiendel<span class=\"_ _5\"></span> eller en forpliktelse og eiendelens eller forpliktels<span class=\"_ _5\"></span>ens skattemessi<span class=\"_ _5\"></span>ge verdi. <span class=\"ls0 ws0\"> </span>De vesentligst<span class=\"_ _5\"></span>e midlertidige forskjellene er knyttet til verdiendri<span class=\"_ _5\"></span>nger p\u00e5 finansielle ei<span class=\"_ _5\"></span>endeler og gjeld, verdiendringer p\u00e5 investeringsei<span class=\"_ _5\"></span>endom, pensjoner, avskriv<span class=\"_ _5\"></span>ninger p\u00e5 driftsmidler og eiendommer og nedskrivning p\u00e5 goodwill<span class=\"_ _5\"></span>. Utsatt skatt p\u00e5 investeringsei<span class=\"_ _5\"></span>endommer er basert p\u00e5 en forventni<span class=\"_ _5\"></span>ng om at eiendomsverdier vil gjenvinnes ved salg av eiendommen. Utsatt skatt fastsettes ved bruk av skattesats<span class=\"_ _5\"></span>er og skatteregler som gjelder p\u00e5 balansedagen, ell<span class=\"_ _5\"></span>er som med overveiende sannsynlighet ventes vedtatt, <span class=\"_ _5\"></span>og som antas \u00e5 <span class=\"_ _1\"></span>v\u00e6re gjeldende n\u00e5r den utsatt<span class=\"_ _5\"></span>e skattefordelen real<span class=\"_ _5\"></span>iseres eller n\u00e5r den utsatte skatten skal gj\u00f8res opp.<span class=\"ls0 ws0\"> </span>Konsernet innregner skattef<span class=\"_ _5\"></span>orpliktelser knytt<span class=\"_ _5\"></span>et til framtidige avgj\u00f8relser i skattesaker basert<span class=\"_ _5\"></span> p\u00e5 estimater for endret inntektsskatt. Ved vurdering av innregning av usikre skattef<span class=\"_ _5\"></span>orpliktelser gj\u00f8res en vurdering av hvorvidt forpl<span class=\"_ _5\"></span>iktelsen er sannsynlig.<span class=\"ls0 ws0\"> </span>Utsatt skattefordel<span class=\"_ _5\"></span> blir balansef\u00f8rt i den utstrekning det er sannsynlig at den vil kunne utnyttes mot framtidig sk<span class=\"_ _5\"></span>attepliktig inntekt. Utsatt skatt<span class=\"_ _5\"></span> og utsatt skattef<span class=\"_ _5\"></span>ordel i samme skattekonsern blir presentert netto i balansen.<span class=\"ls0 ws0\"> </span>Betalbar og utsatt skatt knyttet t<span class=\"_ _5\"></span>il \u00f8vrige resultatelementer blir pres<span class=\"_ _5\"></span>entert netto sammen med tilh\u00f8rende inntekt eller kostn<span class=\"wsd2\">ad i t<span class=\"_ _5\"></span>otal<span class=\"lsbd ws104\">r<span class=\"_ _5\"></span>es<span class=\"_ _5\"></span>ul<span class=\"_ _5\"></span>tate<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></span></span><table class=\"s w321 h4ec\" id=\"_00c50330-4e69-4bca-97e1-8d4a112be8e9\"><tr><td class=\"c x45e y41bd w98 h136\"><div class=\"t m2 x19f hd1 y25f1 ff1fd fs55 fc21 sc0 lsaf wsf6\">Skattekostnad p\u00e5 driftsresu<span class=\"_ _5\"></span>ltat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41be w98 hd7\"><div class=\"t m2 x19f hd8 y20f0 ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41be w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1fc fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41be w6e hd7\"><div class=\"t m2 x204 hcc y20f0 ff1fc fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41bf w98 hdd\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wsd0\">Betalbar s<span class=\"_ _5\"></span>katt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41bf w6e hdd\"><div class=\"t m2 x247 hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">813</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41bf w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">378</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y41c0 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Endring <span class=\"_ _5\"></span>utsatt s<span class=\"_ _5\"></span>katt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">919</span> </div></td><td class=\"c x463 y41c0 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">696</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y40d3 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Sum skat<span class=\"_ _5\"></span>teko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y40d3 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y40d3 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w349 h4ed\" id=\"_83c88f43-6875-490b-aa38-c067d949cfad\"><tr><td class=\"c x45e y41c1 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff1fd fs55 fc21 sc0 lsaf wsf6\">Avstemming av skattekostnad mot driftsresul<span class=\"_ _5\"></span>tat f\u00f8r skatt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41c2 w98 hd7\"><div class=\"t m2 x19f hd8 y200f ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y41c3 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsaa ws0\">Driftsres<span class=\"_ _5\"></span>ultat f\u00f8r sk<span class=\"_ _5\"></span>att<span class=\"ls0\"> </span></div></td><td class=\"c x45f y41c3 w6e hdd\"><div class=\"t m2 x1ba hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>398<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41c3 w6e hdd\"><div class=\"t m2 x1ba hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41c4 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Forventet<span class=\"_ _5\"></span> ska<span class=\"_ _5\"></span>ttekost<span class=\"_ _5\"></span>nad et<span class=\"_ _5\"></span>ter nom<span class=\"_ _5\"></span>inell <span class=\"_ _5\"></span>skattesat<span class=\"_ _5\"></span>s 22 p<span class=\"_ _5\"></span>rosen<span class=\"_ _5\"></span>t <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c4 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">748</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41c4 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(12<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">073</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3f6 y41c5 w34a h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsskatt i<span class=\"_ _5\"></span> Nor<span class=\"_ _5\"></span>ge</div><div class=\"t m2 x49d h121 y3e5e ff1fc fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y41c6 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">013</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y41c6 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(829)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41c7 w98 hdb\"><div class=\"t m2 x19f hcc y200f ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av fors<span class=\"_ _5\"></span>kjellig <span class=\"_ _5\"></span>skattes<span class=\"_ _5\"></span>ats i <span class=\"_ _5\"></span>andre l<span class=\"_ _5\"></span>and <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41c7 w6e hdb\"><div class=\"t m2 x227 hcc y200f ff1fc fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41c7 w6e hdb\"><div class=\"t m2 x249 hcc y200f ff1fc fs53 fc21 sc0 lsb2 wsf1\">(28)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y41c8 w34b h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av gjeld<span class=\"_ _5\"></span>srente<span class=\"_ _5\"></span>fordeli<span class=\"_ _5\"></span>ng m<span class=\"_ _5\"></span>ot ut<span class=\"_ _5\"></span>enlands<span class=\"_ _5\"></span>ke fili<span class=\"_ _5\"></span>aler</div><div class=\"t m2 x49e h121 y3e5e ff1fc fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y41c9 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">264</span> </div></td><td class=\"c x463 y41c9 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff1fc fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">690</span> </div></td></tr><tr><td class=\"c x3f6 y41ca w34c h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av skatt<span class=\"_ _5\"></span>efrie a<span class=\"_ _5\"></span>ksjei<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er</div><div class=\"t m2 x49f h121 y3ebb ff1fc fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x45f y3fcc w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">462<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y3fcc w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(344)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cb w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av andre<span class=\"_ _5\"></span> skatt<span class=\"_ _5\"></span>efrie i<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er og ikk<span class=\"_ _5\"></span>e fra<span class=\"_ _5\"></span>drags<span class=\"_ _5\"></span>beretti<span class=\"_ _5\"></span>gede k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cb w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(545)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cb w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">684<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cc w98 hdb\"><div class=\"t m2 x19f hcc y200f ff1fc fs53 fc21 sc0 lsab wscd\">Skatteef<span class=\"_ _5\"></span>fekt <span class=\"_ _5\"></span>av endri<span class=\"_ _5\"></span>ng i <span class=\"_ _5\"></span>utsatt sk<span class=\"_ _5\"></span>attefo<span class=\"_ _5\"></span>rdel som<span class=\"_ _5\"></span> ikk<span class=\"_ _5\"></span>e er bala<span class=\"_ _5\"></span>nsef\u00f8<span class=\"_ _5\"></span>rt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cc w6e hdb\"><div class=\"t m2 x0 hcc y200f ff1fc fs53 fc21 sc0 lsab wscb\">142<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cc w6e hdb\"><div class=\"t m2 xf9 hcc y200f ff1fc fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y41cd w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Skatt v<span class=\"_ _5\"></span>edr\u00f8re<span class=\"_ _5\"></span>nde tidli<span class=\"_ _5\"></span>gere <span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41cd w6e hda\"><div class=\"t m2 x0 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">506<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41cd w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(173)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y3fd0 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Skatte<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>d p\u00e5 dr<span class=\"_ _5\"></span>iftsre<span class=\"_ _5\"></span>sultat f<span class=\"_ _5\"></span>\u00f8r skat<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y3fd0 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x463 y3fd0 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff1fd fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y41ce w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsaa ws11e\">Effektiv skattes<span class=\"_ _5\"></span>ats<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y41ce w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">19 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y41ce w6e hd9\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">17 %<span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w34d h4ee\" id=\"_8be43206-ad9f-4731-9c8b-217d86c77074\"><tr><td class=\"c x425 y41cf w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff1fd fs55 fc21 sc0 lsaf wsf6\">Inntektskatt p\u00e5 \u00f8vrige r<span class=\"_ _5\"></span>esultatelementer i totalresultat<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y41d0 w98 hd7\"><div class=\"t m2 x19f hd8 y200f ff1fe fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y41d1 w98 h11f\"><div class=\"t m2 x19f hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>elemen<span class=\"_ _5\"></span>ter som<span class=\"_ _5\"></span> ikk<span class=\"_ _5\"></span>e vil bl<span class=\"_ _5\"></span>i rekla<span class=\"_ _5\"></span>ssifise<span class=\"_ _5\"></span>rt til <span class=\"_ _5\"></span>resulta<span class=\"_ _5\"></span>tregns<span class=\"_ _5\"></span>kapet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d1 w6e h11f\"><div class=\"t m2 x1b8 hcc y1db0 ff1fc fs53 fc21 sc0 lsab wscb\">(153)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d1 w6e h11f\"><div class=\"t m2 x249 hcc y1db0 ff1fc fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y41d2 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscd\">Sikring<span class=\"_ _5\"></span> av net<span class=\"_ _5\"></span>toinvest<span class=\"_ _5\"></span>ering i<span class=\"_ _5\"></span> utenl<span class=\"_ _5\"></span>ands<span class=\"_ _5\"></span>k enhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d2 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff1fc fs53 fc21 sc0 lsab wscb\">(618)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d2 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff1fc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td><td></td></tr><tr><td class=\"c x425 y41d3 w98 hd9\"><div class=\"t m2 x19f hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscd\">Sum inn<span class=\"_ _5\"></span>tekts<span class=\"_ _5\"></span>skatt p<span class=\"_ _5\"></span>\u00e5 \u00f8vri<span class=\"_ _5\"></span>ge resu<span class=\"_ _5\"></span>ltatelem<span class=\"_ _5\"></span>enter<span class=\"_ _5\"></span> i to<span class=\"_ _5\"></span>talres<span class=\"_ _5\"></span>ultat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y41d3 w6e hd9\"><div class=\"t m2 x1b8 hdc y1db0 ff1fd fs53 fc21 sc0 lsab wscb\">(772)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y41d3 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff1fd fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">336</span> </div></td><td></td></tr><tr><td class=\"c x3f6 y41d4 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y41d4 w34e h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">Fina<span class=\"_ _5\"></span>nsskatt<span class=\"_ _5\"></span> er en<span class=\"_ _5\"></span> tille<span class=\"_ _5\"></span>ggsskatt<span class=\"_ _5\"></span> som <span class=\"_ _5\"></span>p\u00e5legge<span class=\"_ _5\"></span>s norsk<span class=\"_ _5\"></span>e sels<span class=\"_ _5\"></span>kaper i<span class=\"_ _5\"></span>nnen fi<span class=\"_ _5\"></span>nans<span class=\"_ _5\"></span>sekt<span class=\"_ _5\"></span>oren. Sk<span class=\"_ _5\"></span>atten <span class=\"_ _5\"></span>er en <span class=\"_ _5\"></span>forh\u00f8yet<span class=\"_ _5\"></span> inntek<span class=\"_ _5\"></span>tsb<span class=\"_ _5\"></span>eskatni<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span>av fi<span class=\"_ _5\"></span>nansf<span class=\"_ _5\"></span>oretak m<span class=\"_ _5\"></span>ed 3 p<span class=\"_ _5\"></span>rosen<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x42c y41d5 w34f h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">poeng<span class=\"lsd2 ws12b\">.<span class=\"_ _1c5\"> </span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y41d6 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y41d6 w350 h4b2\" colspan=\"2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">I 20<span class=\"_ _5\"></span>2<span class=\"lsb2 wsf1\">5 </span>medf<span class=\"_ _5\"></span>\u00f8rte gj<span class=\"_ _5\"></span>eldsre<span class=\"_ _5\"></span>ntefor<span class=\"_ _5\"></span>deling<span class=\"_ _5\"></span>en et r<span class=\"_ _5\"></span>entefr<span class=\"_ _5\"></span>adrag i<span class=\"_ _5\"></span> Norg<span class=\"_ _5\"></span>e som re<span class=\"_ _5\"></span>duser<span class=\"_ _5\"></span>te skatte<span class=\"_ _5\"></span>kost<span class=\"_ _5\"></span>naden i k<span class=\"_ _5\"></span>ons<span class=\"_ _5\"></span>ernet m<span class=\"_ _5\"></span>ed 2 264<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>milli<span class=\"_ _5\"></span>oner krone<span class=\"_ _5\"></span>r, mot<span class=\"_ _5\"></span> <span class=\"wsd0\">3 690<span class=\"ls0 ws0\"> <span class=\"lsa7 wsd1\">millioner i<span class=\"_ _1c5\"> </span></span></span></span></div></td><td></td></tr><tr><td class=\"c x3f6 y41e0 w351 h4ef\"><div class=\"t m2 x3f4 hd8 y41d7 ff1fe fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hd1 y41d8 ff1fd fs55 fc21 sc0 lsaf wsf6\">Endring i skatteregler med virkning fra 2026  <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41d9 ff1fc fs55 fc21 sc0 lsaf wsf6\">Skatteloven \u00a7 6<span class=\"ls0 ws0\">-</span>91 er endret ved at det innf\u00f8res direkte tilordning av gjeldsrent<span class=\"_ _5\"></span>efradrag for finansforet<span class=\"_ _5\"></span>ak med utenlandsvirksomhet n\u00e5r </div><div class=\"t m2 x3f4 hcf y41da ff1fc fs55 fc21 sc0 lsaf wsf6\">skatteavt<span class=\"_ _5\"></span>alen med landet det gjelder anvender unntaksmetoden. Virkeomr\u00e5det er begrens<span class=\"_ _5\"></span>et til finansforetak som ikke lengr<span class=\"wsd2\">e sk<span class=\"_ _5\"></span>al bruke </span></div><div class=\"t m2 x3f4 hcf y41db ff1fc fs55 fc21 sc0 lsaf wsf6\">sjablongregelen f<span class=\"_ _5\"></span>or gjeldsrentefradrag uten direkt<span class=\"_ _5\"></span>e tilordning etter den aktuelle skatteavt<span class=\"_ _5\"></span>alens regler, der rentefradraget fordel<span class=\"_ _5\"></span>es etter hvor </div><div class=\"t m2 x3f4 hcf y41dc ff1fc fs55 fc21 sc0 lsaf wsf6\">gjeldsrent<span class=\"_ _5\"></span>ene er p\u00e5dratt og ikke etter eiendelenes fordeling ved utgangen av \u00e5ret. For DNB betyr de<span class=\"wsd2\">tte at s<span class=\"_ _5\"></span>katteeffekten <span class=\"_ _5\"></span>av </span></div><div class=\"t m2 x3f4 hcf y41dd ff1fc fs55 fc21 sc0 lsaf wsf6\">gjeldsrent<span class=\"_ _5\"></span>efordelingen vist i tabellen over, jfr. fotnot<span class=\"_ _5\"></span>e 2, vil utg\u00e5 fra og med 2026. Det er for<span class=\"_ _1\"></span>vent<span class=\"_ _5\"></span>et at konsernets effekti<span class=\"wsd2\">ve sk<span class=\"_ _5\"></span>attesats fra <span class=\"_ _5\"></span>og med </span></div><div class=\"t m2 x3f4 hcf y41de ff1fc fs55 fc21 sc0 lsaf wsf6\">2026 vil \u00f8ke tilsvarende.    <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41df ff1fc fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></td><td class=\"c x421 y4174 w352 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">I Nor<span class=\"_ _5\"></span>ge er<span class=\"_ _5\"></span> et selsk<span class=\"_ _5\"></span>aps i<span class=\"_ _5\"></span>nntek<span class=\"_ _5\"></span>ter fra ak<span class=\"_ _5\"></span>sj<span class=\"_ _5\"></span>einveste<span class=\"_ _5\"></span>ringer<span class=\"_ _5\"></span> normal<span class=\"_ _5\"></span>t un<span class=\"_ _5\"></span>ntatt sk<span class=\"_ _5\"></span>attepli<span class=\"_ _5\"></span>kt. Som<span class=\"_ _5\"></span> hove<span class=\"_ _5\"></span>dregel<span class=\"_ _5\"></span> gjeld<span class=\"_ _5\"></span>er dett<span class=\"_ _5\"></span>e inves<span class=\"_ _5\"></span>terin<span class=\"_ _5\"></span>ger i s<span class=\"_ _5\"></span>elska<span class=\"_ _5\"></span>per hj<span class=\"_ _5\"></span>emmeh\u00f8<span class=\"_ _5\"></span>rende i<span class=\"_ _1c5\"> </span></div></td><td class=\"c x42c y3ead w353 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\">4</span><span class=\"ls0 ws0\"><span class=\"lsaa wscd\">. </span></span></div></td><td class=\"c x4a0 y3ead w354 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscb\">Red<span class=\"_ _5\"></span>uksjo<span class=\"_ _5\"></span>nen<span class=\"ls0 ws0\"> </span><span class=\"wscd\">i f<span class=\"_ _5\"></span>radrage<span class=\"_ _5\"></span>t i 202<span class=\"_ _5\"></span></span>5 <span class=\"wsd0\">f\u00f8lge<span class=\"_ _5\"></span>r av <span class=\"wscd\">noe lav<span class=\"_ _5\"></span>ere<span class=\"ls0 ws0\"> <span class=\"lsa7 wsd1\">aktivitet i USA</span> </span>i f<span class=\"_ _5\"></span>jerde k<span class=\"_ _5\"></span>vartal<span class=\"_ _5\"></span><span class=\"lsaa ws11e\">.<span class=\"_ _1c5\"> </span></span></span></span></div></td></tr><tr><td></td><td class=\"c x42c y3eae w355 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff1fe fs53 fc21 sc0 lsab wscd\">EU/E\u00d8S<span class=\"_ _5\"></span>. Skattef<span class=\"_ _5\"></span>ritak<span class=\"_ _5\"></span>et gjel<span class=\"_ _5\"></span>der b<span class=\"_ _5\"></span>\u00e5de ut<span class=\"_ _5\"></span>bytte o<span class=\"_ _5\"></span>g gevins<span class=\"_ _5\"></span>ter (t<span class=\"_ _5\"></span>ap) ve<span class=\"_ _5\"></span>d reali<span class=\"_ _5\"></span>sasj<span class=\"_ _5\"></span>on. 3 p<span class=\"_ _5\"></span>rosent av<span class=\"_ _5\"></span> utby<span class=\"_ _5\"></span>tte fra sli<span class=\"_ _5\"></span>ke sk<span class=\"_ _5\"></span>attefrit<span class=\"_ _5\"></span>atte i<span class=\"_ _5\"></span>nvest<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er inn<span class=\"_ _5\"></span>g\u00e5r dog li<span class=\"_ _5\"></span>kevel<span class=\"_ _5\"></span> i<span class=\"_ _1c5\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x3f6 y41e2 w356 h4f0\"><div class=\"t m2 x43a hd8 y41e1 ff1fe fs53 fc21 sc0 lsab wscd\">skattepli<span class=\"_ _5\"></span>ktig in<span class=\"_ _5\"></span>ntekt<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y3fb6 ff1fc fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr></table><table class=\"s w359 h4f2\" id=\"_c3728e63-fee8-4d49-9c7c-78b85fee70ec\"><tr><td class=\"c x3db y41f5 w13c h139\"><div class=\"t m2 x19f hd1 y2193 ff204 fs55 fc21 sc0 lsc1 ws116\">Utsatt skattefordel<span class=\"_ _5\"></span>/(utsatt skatt)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y41f6 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f6 w183 hd7\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41f6 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41f7 w13c h119\"><div class=\"t m2 x19f hdc y1db0 ff204 fs53 fc21 sc0 lsa9 ws87\">\u00c5ret<span class=\"_ _1\"></span>s bev<span class=\"_ _1\"></span>egelser<span class=\"_ _1\"></span> i utsa<span class=\"_ _1\"></span>tt skat<span class=\"_ _1\"></span>teford<span class=\"_ _1\"></span>el/(<span class=\"_ _1\"></span>utsatt<span class=\"_ _1\"></span> skatt<span class=\"_ _1\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y41f8 w13c hda\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel/<span class=\"_ _5\"></span>(utsatt<span class=\"_ _5\"></span> skatt)<span class=\"_ _5\"></span> per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f8 w183 hda\"><div class=\"t m2 x1ab hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y41f8 w6e hda\"><div class=\"t m2 x19e hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">334</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y41f9 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Endring f<span class=\"_ _5\"></span>\u00f8rt m<span class=\"_ _5\"></span>ot ordi<span class=\"_ _5\"></span>n\u00e6rt r<span class=\"_ _5\"></span>esultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41f9 w183 hdb\"><div class=\"t m2 x247 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">921</span> </div></td><td class=\"c x3de y41f9 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y41fa w13c hde\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Endring f<span class=\"_ _5\"></span>\u00f8rt m<span class=\"_ _5\"></span>ot \u00f8vri<span class=\"_ _5\"></span>ge resul<span class=\"_ _5\"></span>tatel<span class=\"_ _5\"></span>emen<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fa w183 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">(153)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fa w6e hde\"><div class=\"t m2 x249 hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(86)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fb w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Omregni<span class=\"_ _5\"></span>ngsdif<span class=\"_ _5\"></span>feran<span class=\"_ _5\"></span>ser p\u00e5 ut<span class=\"_ _5\"></span>satt<span class=\"_ _5\"></span> skatt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fb w183 hdb\"><div class=\"t m2 x20e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(88)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fb w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fc w13c hda\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fc w183 hda\"><div class=\"t m2 x1b9 hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">(299)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fc w6e hda\"><div class=\"t m2 x249 hcc y1dae ff205 fs53 fc21 sc0 lsb2 wsf1\">(40)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fd w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Endring s<span class=\"_ _5\"></span>om f<span class=\"_ _5\"></span>\u00f8lge av <span class=\"_ _5\"></span>konse<span class=\"_ _5\"></span>rnbidr<span class=\"_ _5\"></span>ag<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fd w183 hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41fd w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(13)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y41fe w13c h135\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wscd\">Utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel/<span class=\"_ _5\"></span>(utsatt<span class=\"_ _5\"></span> skatt)<span class=\"_ _5\"></span> per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y41fe w183 h135\"><div class=\"t m2 x1ab hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">757</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y41fe w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">136</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr></table><table class=\"s w35a h4f3\" id=\"_01730ad8-303c-4776-8479-f82e4d365a12\"><tr><td class=\"c x3f6 y41ff w35b h4f4\"><div class=\"t m2 x3f4 hd1 y3f04 ff204 fs55 fc21 sc0 lsaf wsf6\">Utsatt skattefordel og u<span class=\"_ _5\"></span>tsatt skatt i balansen vedr\u00f8rer f\u00f8lgende<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4200 w35c h4f4\"><div class=\"t m2 x3f4 hd1 y3f04 ff204 fs55 fc21 sc0 lsbc ws0\">midler<span class=\"_ _1\"></span>tidige<span class=\"_ _1\"></span> fors<span class=\"_ _1\"></span>kjelle<span class=\"_ _1\"></span>r</div></td><td></td><td class=\"c x438 y4201 w161 h1de\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">             <span class=\"lsab wscd\">U<span class=\"_ _5\"></span>tsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4201 w184 h1de\"><div class=\"t m2 x20f hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">         <span class=\"lsaa ws11e\">Uts<span class=\"_ _5\"></span>att skatt</span><span class=\"ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4202 w13c h11f\"><div class=\"t m2 x19f hd8 y1dae ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4202 w183 h11f\"><div class=\"t m2 x4f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4202 w6e h11f\"><div class=\"t m2 x20f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4203 w13c h154\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>og imm<span class=\"_ _5\"></span>ateriell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4203 w6e h154\"><div class=\"t m2 x249 hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(10)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4203 w6e h154\"><div class=\"t m2 x1b8 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">(179)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4203 w183 h154\"><div class=\"t m2 x247 hcc y1dc1 ff205 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">982</span> </div></td><td class=\"c x3de y4203 w6e h154\"><div class=\"t m2 x248 hcc y1dc1 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">540</span> </div></td></tr><tr><td class=\"c x3db y4204 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4204 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4204 w183 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">(418)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4204 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">545</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4205 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff205 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a8 y4205 w183 hdb\"><div class=\"t m2 x247 hcc y1dae ff205 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">427</span> </div></td><td class=\"c x3de y4205 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff205 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">747</span> </div></td></tr><tr><td class=\"c x3db y4206 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4206 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y4206 w183 hde\"><div class=\"t m2 x20e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(83)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4206 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">419</span> </div></td></tr><tr><td class=\"c x3db y4207 w13c hda\"><div class=\"t m2 x19f hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscd\">Netto p<span class=\"_ _5\"></span>ensjonsf<span class=\"_ _5\"></span>orpli<span class=\"_ _5\"></span>ktelser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4207 w6e hda\"><div class=\"t m2 x227 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4207 w6e hda\"><div class=\"t m2 x227 hcc y1dc1 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4207 w183 hda\"><div class=\"t m2 x1ab hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">551</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4207 w6e hda\"><div class=\"t m2 x19e hcc y1dc1 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">353</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4208 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser (I<span class=\"_ _5\"></span>FRS 17<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a8 y4208 w183 hdb\"><div class=\"t m2 x1ab hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">453</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y4208 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">209</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y4209 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Netto a<span class=\"_ _5\"></span>ndre sk<span class=\"_ _5\"></span>atter<span class=\"_ _5\"></span>eduse<span class=\"_ _5\"></span>rende midl<span class=\"_ _5\"></span>erti<span class=\"_ _5\"></span>dige fo<span class=\"_ _5\"></span>rskjell<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">188<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">649<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y4209 w183 hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4209 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">599<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y420a w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff205 fs53 fc21 sc0 lsab wsd0\">Framf\u00f8r<span class=\"_ _5\"></span>bart unders<span class=\"_ _5\"></span>kudd/<span class=\"_ _5\"></span>ubenyt<span class=\"_ _5\"></span>tet kred<span class=\"_ _5\"></span>itfra<span class=\"_ _5\"></span>drag<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y420a w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y420a w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y420a w183 hde\"><div class=\"t m2 x1ab hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">325</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3de y420a w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff205 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">375</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y420b w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff204 fs53 fc21 sc0 lsb2 wsf2\">Sum uts<span class=\"_ _5\"></span>att s<span class=\"_ _5\"></span>katte<span class=\"_ _5\"></span>fordel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y420b w6e hdd\"><div class=\"t m2 x0 hdc y1da9 ff204 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y420b w6e hdd\"><div class=\"t m2 x0 hdc y1da9 ff204 fs53 fc21 sc0 lsab wscb\">687<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y420b w183 hdd\"><div class=\"t m2 x247 hdc y1da9 ff204 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">006</span> </div></td><td class=\"c x3de y420b w6e hdd\"><div class=\"t m2 x248 hdc y1da9 ff204 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">823</span> </div></td></tr></table>En betydelig del av finansi<span class=\"_ _5\"></span>elle instrumenter blir i finansregnskapet m\u00e5lt til<span class=\"_ _5\"></span> markedsverdi, mens i skatteregnskapet behandles<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>de etter realisa<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>sjons<span class=\"wsf6\">pri<span class=\"_ _5\"></span>nsippet. Det kan gi store forskjeller mellom regnskapsmessig resul<span class=\"_ _5\"></span>tat og beregnet skattemessig resultat<span class=\"ls0 ws0\"> </span>f<span class=\"_ _5\"></span>or det enkelte regnskaps\u00e5r, </span>spesielt i<span class=\"_ _5\"></span> \u00e5r med s<span class=\"_ _5\"></span>tore bevegels<span class=\"_ _5\"></span>er i rente<span class=\"ls0 ws0\">- </span><span class=\"wsf6\">og kursniv\u00e5er. Forsk<span class=\"_ _5\"></span>jellene utliknes over tid.<span class=\"ls0 ws0\"> </span></span>Store endringer i valutak<span class=\"_ _5\"></span>ursniv\u00e5er i 202<span class=\"ls0 ws0\">5 </span>og 202<span class=\"ls0 ws0\">4 </span>har medf\u00f8rt at konsernet har f\u00e5tt betydelige endringer i verdien av urealiserte mer<span class=\"ls0 ws0\">-<span class=\"lsbd ws104\">/<span class=\"_ _5\"></span>mi<span class=\"_ _5\"></span>ndr<span class=\"_ _5\"></span>e</span>-<span class=\"_ _1c5\"> </span></span>verdier p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter som brukes i forbindelse med styring av konsernets v<span class=\"_ _5\"></span>aluta<span class=\"ls0 ws0\">- </span>og renterisiko. Finansiell<span class=\"_ _5\"></span>e instrumenter behandles etter realisasjo<span class=\"wscf\">ns<span class=\"_ _5\"></span></span>prinsippet, mens fordringer og gjeld i v<span class=\"_ _5\"></span>aluta behandles etter dagskursprinsippet.<span class=\"_ _5\"></span> Disse forskjellene forventes revers<span class=\"_ _5\"></span>ert i l\u00f8<span class=\"wscf\">pet </span>av kort<span class=\"_ _5\"></span> tid. <span class=\"ls0 ws0\"> </span><table class=\"s w357 h4f1\" id=\"_edc1689a-d516-4fb0-8af2-0e34187182fd\"><tr><td class=\"c x3fc y41e3 w149 h139\"><div class=\"t m2 x19f hd1 y2193 ff204 fs55 fc21 sc0 lsaf wsf6\">Oversikt over skatteford<span class=\"_ _5\"></span>eler fra underskudd og kreditfradrag til framf\u00f8ring<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4a1 y41e4 w10f hd7\"><div class=\"t m2 x9f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a2 y41e4 w185 hd7\"><div class=\"t m2 x1df hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4a1 y41e5 w6f h13b\"><div class=\"t m2 x20f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Samlede <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e5 w6e h13b\"><div class=\"t m2 x20c hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Herav <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e5 w6e h13b\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e5 w183 h13b\"><div class=\"t m2 x4f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Samlede <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e5 w6e h13b\"><div class=\"t m2 x20c hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Herav <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e5 w6e h13b\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a1 y41e6 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">framf\u00f8rb<span class=\"_ _5\"></span>are <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e6 w6e hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">grunnl<span class=\"_ _5\"></span>ag for <span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a4 y41e6 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">utsatt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e6 w183 hd7\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">framf\u00f8rb<span class=\"_ _5\"></span>are <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e6 w6e hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">grunnl<span class=\"_ _5\"></span>ag for <span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a6 y41e6 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">utsatt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41e7 w10c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41e7 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">unders<span class=\"_ _5\"></span>kudd <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e7 w6e hd7\"><div class=\"t m2 x242 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8ring<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e7 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">skattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span></span> </div></td><td class=\"c x4a2 y41e7 w183 hd7\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">unders<span class=\"_ _5\"></span>kudd <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e7 w6e hd7\"><div class=\"t m2 x242 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span>f\u00f8ring<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e7 w6e hd7\"><div class=\"t m2 x267 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">skattef<span class=\"_ _5\"></span>ordel <span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3fc y41e8 w10c h13b\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 lsab wscd\">Undersk<span class=\"_ _5\"></span>udd til<span class=\"_ _5\"></span> framf<span class=\"_ _5\"></span>\u00f8ring:<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y41e9 w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Norge<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41e9 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">928<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41e9 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">896<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41e9 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">219<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41e9 w183 hdb\"><div class=\"t m2 x209 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>161<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41e9 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>034<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41e9 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">252</span> </div></td></tr><tr><td class=\"c x3fc y41ea w10c hde\"><div class=\"t m2 x163 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">Singapo<span class=\"_ _5\"></span>re<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ea w6f hde\"><div class=\"t m2 x0 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">259<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ea w6e hde\"><div class=\"t m2 x1b6 hcc y2401 ff205 fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x4a2 y41ea w183 hde\"><div class=\"t m2 x204 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41ea w6e hde\"><div class=\"t m2 x227 hcc y2401 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41eb w10c hda\"><div class=\"t m2 x163 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">Danmar<span class=\"_ _5\"></span>k<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41eb w6f hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">302<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41eb w6e hda\"><div class=\"t m2 x227 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41eb w183 hda\"><div class=\"t m2 x2d7 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">858<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41eb w6e hda\"><div class=\"t m2 x0 hcc y1da9 ff205 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41ec w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsb2 wsf1\">Sverig<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ec w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ec w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ec w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x4a2 y41ec w183 hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">172<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41ed w10c hdb\"><div class=\"t m2 x163 hcc y1db0 ff205 fs53 fc21 sc0 lsa7 wsc9\">USA<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y41ed w6f hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y41ed w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a4 y41ed w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x482 y41ee w73 h182\"><div class=\"t m2 x1b5 hcc y299f ff205 fs53 fc21 sc0 lsab wsd0\">Sum framf<span class=\"_ _5\"></span>\u00f8rbare und<span class=\"_ _5\"></span>ersku<span class=\"_ _5\"></span>dd og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y41ef w10c h1df\"><div class=\"t m2 x19f hcc y1db0 ff205 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">utsatt s<span class=\"_ _5\"></span>kattef<span class=\"_ _5\"></span>ordel<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x4a1 y41ef w6f h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x4a3 y41ef w6e h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">382</span> </div></td><td class=\"c x4a4 y41ef w6e h1df\"><div class=\"t m2 x0 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">335<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a2 y41ef w183 h1df\"><div class=\"t m2 x209 hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">14<span class=\"ls0 ws0\"> </span>272<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41ef w6e h1df\"><div class=\"t m2 x1ba hcc y1db0 ff205 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41ef w6e h1df\"><div class=\"t m2 x248 hcc y1db0 ff205 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">455</span> </div></td></tr><tr><td class=\"c x3f6 y41f0 w358 h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff205 fs53 fc21 sc0 lsab wscd\">Kredits<span class=\"_ _5\"></span>katt til f<span class=\"_ _5\"></span>ramf<span class=\"_ _5\"></span>\u00f8ring</div><div class=\"t m2 x4a7 h121 y3e5e ff205 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f1 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">030</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f1 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff205 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">123</span> </div></td></tr><tr><td class=\"c x3fc y41f2 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff204 fs53 fc21 sc0 lsb3 wsf1\">Sum u<span class=\"_ _5\"></span>tsatt<span class=\"_ _5\"></span> skat<span class=\"_ _5\"></span>tefor<span class=\"_ _5\"></span>del<span class=\"_ _5\"></span> fra <span class=\"_ _5\"></span>under<span class=\"_ _5\"></span>sku<span class=\"_ _5\"></span>dd o<span class=\"_ _5\"></span>g kredi<span class=\"_ _5\"></span>tfra<span class=\"_ _5\"></span>dra<span class=\"_ _5\"></span>g til fr<span class=\"_ _5\"></span>am<span class=\"_ _5\"></span>f\u00f8ri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f2 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff204 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">365</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f2 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff204 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">577</span> </div></td></tr><tr><td class=\"c x3fc y41f3 w13c hda\"><div class=\"t m2 x19f hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscd\">Herav p<span class=\"_ _5\"></span>resent<span class=\"_ _5\"></span>ert unde<span class=\"_ _5\"></span>r nett<span class=\"_ _5\"></span>o utsa<span class=\"_ _5\"></span>tt ska<span class=\"_ _5\"></span>tteford<span class=\"_ _5\"></span>el<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f3 w6e hda\"><div class=\"t m2 x227 hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a6 y41f3 w6e hda\"><div class=\"t m2 x0 hd8 y1da9 ff206 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y41f4 w13c hdb\"><div class=\"t m2 x19f hd8 y1db0 ff206 fs53 fc21 sc0 lsab wscd\">Herav p<span class=\"_ _5\"></span>resent<span class=\"_ _5\"></span>ert unde<span class=\"_ _5\"></span>r nett<span class=\"_ _5\"></span>o utsa<span class=\"_ _5\"></span>tt ska<span class=\"_ _5\"></span>tt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a4 y41f4 w6e hdb\"><div class=\"t m2 x248 hd8 y1db0 ff206 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">325</span> </div></td><td></td><td></td><td class=\"c x4a6 y41f4 w6e hdb\"><div class=\"t m2 x248 hd8 y1db0 ff206 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">375</span> </div></td></tr></table>1 <span class=\"_ _1b4\"> </span><span class=\"lsab wsd0\">Al<span class=\"_ _5\"></span>l kreditska<span class=\"_ _5\"></span>tt til framf\u00f8ri<span class=\"_ _5\"></span>ng vedr<span class=\"_ _5\"></span>\u00f8rer norsk<span class=\"_ _5\"></span>e skattes<span class=\"_ _5\"></span>ubjekt<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></span>Usikre s<span class=\"_ _5\"></span>katteforp<span class=\"_ _5\"></span>liktelse<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>Varsel<span class=\"_ _1\"></span> om en<span class=\"_ _1\"></span>drin<span class=\"_ _1\"></span>g av s<span class=\"_ _1\"></span>kattef<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>ttelsen<span class=\"_ _1\"></span> for D<span class=\"_ _1\"></span>NB Ban<span class=\"_ _1\"></span>k ASA<span class=\"_ _1\"></span> for 20<span class=\"_ _1\"></span>18<span class=\"ls0 ws0\">\u2013<span class=\"lscb ws122\">202</span>3  </span>DNB Bank ASA mottok i 2023 varsel fra de norske skattemyndighetene om endring av skattefastset<span class=\"_ _5\"></span>ting av utbytte mottatt i 2019 og 2020 fra datterselskapet<span class=\"_ _5\"></span> i USA. Skattemyndighetene varslet ogs\u00e5 at betalinger fra dattersels<span class=\"_ _5\"></span>kapet, som gjelder selskapets andel <span class=\"wsd2\">av skattebet<span class=\"_ _5\"></span>alinger i </span>sambeskatning i USA i perioden 2018<span class=\"ls0 ws0\">\u2013</span>2022, skulle anses som skattepliktig ut<span class=\"_ _5\"></span>bytte. Varselet innebar en samlet skatteeksponering f<span class=\"_ _5\"></span>or DNB p\u00e5 om lag 1,8 milliarder kroner. DNB var uenig i skattemyndighet<span class=\"_ _5\"></span>enes varsel i sin helhet, og det har ikke v\u00e6rt regnskapsf\u00f8rt noen avsetninger. <span class=\"ls0 ws0\"> </span>I august 2025 besluttet skattemy<span class=\"_ _5\"></span>ndighetene \u00e5 ikke g\u00e5 videre med vurderingen av USA som lavskatteland, og utbytte mottatt i 2019 og 2020 omfattes dermed av fritaksmet<span class=\"_ _5\"></span>oden. I vedtak mottatt i januar 2026 fastholder skattemyndighetene si<span class=\"_ _5\"></span>tt syn om at skattebetalingene skal klassifiseres<span class=\"_ _5\"></span> som utbytt<span class=\"_ _5\"></span>e med 3 <span class=\"_ _5\"></span>prosent skatt. <span class=\"wsf6\">V<span class=\"_ _5\"></span>edtaket gjelder perioden 2018<span class=\"ls0 ws0\">-</span><span class=\"wscf\">2023. </span>Saml<span class=\"_ _5\"></span>et skatteeksponeringen etter dette er redusert til om </span>lag 14 <span class=\"_ _5\"></span>millioner kroner.<span class=\"_ _5\"></span>  <span class=\"ls0 ws0\"> </span>Vedtak<span class=\"_ _5\"></span> om endring av<span class=\"_ _5\"></span> skattefastse<span class=\"_ _5\"></span>ttelsen f<span class=\"_ _5\"></span>or DNB Livsf<span class=\"_ _5\"></span>orsikri<span class=\"_ _5\"></span>ng for 2018<span class=\"ls0 ws0\"> </span>Det ble for inntekts\u00e5ret 2018 innf\u00f8rt nye skatteregl<span class=\"_ _5\"></span>er for livsforsikrings<span class=\"ls0 ws0\">- </span>og pensjonsf<span class=\"_ _5\"></span>oretak, med tilh\u00f8rende overgangsregler.<span class=\"_ _5\"></span> Ved utarbeidelse av regnskapet og skattemeldingen f<span class=\"_ _5\"></span>or DNB Livsforsikring i 2018 var det uklart hvordan overgangsregl<span class=\"_ _5\"></span>ene skulle t<span class=\"wscf\">olkes, herunder </span>virkni<span class=\"_ _5\"></span>ngstidspunktet for reglene, og DNB Livsforsikri<span class=\"_ _5\"></span>ng var ikke enig i Skattemyndighetenes tolkning av lovens opprinnelige ordly<span class=\"_ _5\"></span>d. I skattemeldi<span class=\"_ _5\"></span>ngen for 2018 krevde DNB Livsforsikring et st\u00f8rre skattemessig fradrag for overgangseff<span class=\"_ _5\"></span>ektene enn den regnskapsf\u00f8rte skatte<span class=\"_ _1\"></span>effe<span class=\"_ _1\"></span>kten.<span class=\"ls0 ws0\"> </span>I januar 2022 mottok DNB Livsforsikring et vedtak om endring av skattef<span class=\"_ _5\"></span>astsettelsen for 2018. DNB Livsforsikring <span class=\"wscf\">har klage<span class=\"ls0 ws0\">t<span class=\"_ _5\"></span> </span></span><span class=\"lsbd\">p\u00e5 <span class=\"_ _5\"></span>ve<span class=\"_ _5\"></span>dta<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il<span class=\"_ _5\"></span> </span>Skatteklagenem<span class=\"_ _5\"></span>nda. Det er flere punkter som er oppe til vurdering, og det er knyttet usikkerhet til utfallet av disse, hvor det b\u00e5de kan bli lavere og h\u00f8yere skattefradrag enn det som er lagt til grunn i konsernregnskapet<span class=\"_ _5\"></span>. Dersom selskapet<span class=\"ls0 ws0\"> </span>ikke vinner fram<span class=\"_ _5\"></span> p\u00e5 noen av punktene, vil dette gi en ytterligere \u00f8kt skatt<span class=\"_ _5\"></span>ekostnad p\u00e5 460 millioner kroner knyttet til overgangseff<span class=\"_ _5\"></span><span class=\"wsd2\">ekten i <span class=\"_ _5\"></span>2018.<span class=\"ls0 ws0\"> </span></span>Avvik<span class=\"_ _5\"></span>ling av datte<span class=\"_ _5\"></span>rselska<span class=\"_ _5\"></span>p i Singapore<span class=\"ls0 ws0\"> </span>I desember 2024 mottok DNB Bank ASA et brev fra skattemyndighetene med varsel om mulig endring av skattefastsetti<span class=\"_ _5\"></span>ngen for 202<span class=\"ls0 ws0\">2 <span class=\"lsbc ws10c\">kn<span class=\"_ _1\"></span>yttet til<span class=\"_ _1\"></span> </span></span>skattemessi<span class=\"_ _5\"></span>g behandling av gevinsten ved avvikling av datterselskap i Singapore i 2022. I brevet varslet sk<span class=\"_ _5\"></span>attemyndighetene at de legge<span class=\"ls0 ws0\">r <span class=\"lsbe ws10b\">ti<span class=\"_ _5\"></span>l </span></span>grunn at Singapore skal anses som et lavskattel<span class=\"_ _5\"></span>and for datterselskapet<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">sl<span class=\"_ _5\"></span>ik at frit<span class=\"_ _5\"></span>aksmetoden ikke k<span class=\"_ _5\"></span>ommer til <span class=\"_ _5\"></span>anvendelse.<span class=\"ls0 ws0\"> </span></span>I andre kvartal 2025 mottok DNB et utkast til vedtak i saken, hvor skattemy<span class=\"_ _5\"></span>ndighetene opprettholder at gevins<span class=\"wscf\">ten<span class=\"ls0 ws0\"> </span></span>v<span class=\"_ _5\"></span>ed avviklingen av datterselskapet er skattepliktig for DNB Bank ASA. Skattemyndighetens<span class=\"_ _5\"></span> standpunkt er s\u00e6rlig basert p\u00e5 myndighetenes vurdering av at datterselskapet<span class=\"_ _5\"></span> ville kvalifisert for en skattei<span class=\"_ _5\"></span>nsentivordning i Singapore som ville ha gitt selskapet en<span class=\"ls0 ws0\"> </span>eff<span class=\"_ _5\"></span>ektiv beskatning p\u00e5 under to tredjedeler av norsk effektiv beskatning. <span class=\"ls0 ws0\"> </span>DNB Bank ASA er uenig i skattemyndighetenes vurderinger og standpunk<span class=\"_ _5\"></span>t i saken. DNB Bank ASA vurderer det slik at skatteinsent<span class=\"wscf\">ivordningen </span>ikke kan legges til grunn ved lavskattel<span class=\"_ _5\"></span>andvurderingen, og at Singapore dermed ikke skal anses som et lavskattel<span class=\"_ _5\"></span>and for<span class=\"ls0 ws0\"> </span>datterselskapet. DNB Bank ASA mener derfor at fritaksmetoden kommer t<span class=\"_ _5\"></span>il anvendelse slik at gevinsten ikke er skatteplikti<span class=\"_ _5\"></span>g.<span class=\"ls0 ws0\"> </span>Saken resulterte i en<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">sa<span class=\"_ _5\"></span>ml<span class=\"_ _5\"></span>et<span class=\"_ _5\"></span> </span></span>skatteeks<span class=\"_ _5\"></span>ponering for DNB <span class=\"_ _5\"></span>p\u00e5 om lag 1,<span class=\"_ _5\"></span>36 milliarder k<span class=\"_ _5\"></span>roner<span class=\"wsf6\">, og det ble i 2023<span class=\"ls0 ws0\"> </span>regnskapsf\u00f8rt en avsetning et<span class=\"_ _5\"></span>ter beste estimat i saken. <span class=\"ls0 ws0\"> </span></span>Varsel<span class=\"_ _1\"></span> om en<span class=\"_ _1\"></span>drin<span class=\"_ _1\"></span>g av s<span class=\"_ _1\"></span>kattef<span class=\"_ _1\"></span>astse<span class=\"_ _1\"></span>ttelsen<span class=\"_ _1\"></span> for D<span class=\"_ _1\"></span>NB Ban<span class=\"_ _1\"></span>k ASA<span class=\"_ _1\"></span> for 20<span class=\"_ _1\"></span>19<span class=\"ls0 ws0\">-</span><span class=\"ws125\">2023<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span>DNB Bank ASA mottok i tredje kvartal 2024 et varsel fra norske skattemyndighet<span class=\"_ _5\"></span>er om endring av skattefastsettelsen som f\u00f8lge av endret prising av konserni<span class=\"_ _5\"></span>nterne transaksjoner med datterselskaper i utlandet. Varsel<span class=\"_ _5\"></span>et gjelder inntekts\u00e5rene 2019<span class=\"ls0 ws0\">\u2013</span>2023. Sum varslet endringsbel\u00f8p for inntekts\u00e5rene 2019<span class=\"ls0 ws0\">\u2013</span>2021 inneb\u00e6rer en sk<span class=\"_ _5\"></span>atteeksponering p\u00e5 om lag 1,3 milliarder kroner, mens endringen for \u00e5rene 2022 og 2023 ikke er tallfest<span class=\"_ _5\"></span>et. DNB er uenig i skattemyndighetenes tiln\u00e6rming og vurderinger. Det er DNBs oppfatning at<span class=\"ls0 ws0\"> </span>banken har en sterk sak, og det er ikke regnskapsf\u00f8<span class=\"_ _5\"></span>rt noen avsetninger. <span class=\"ls0 ws0\"> </span>Pilar 2 innt<span class=\"_ _5\"></span>ektss<span class=\"_ _5\"></span>katt<span class=\"ls0 ws0\"> </span>Norge, og andre jurisdiksj<span class=\"_ _5\"></span>oner der konsernet opererer, har implementert et minimumssk<span class=\"_ _5\"></span>atteregime for multinasjonal<span class=\"_ _5\"></span>e selskaper,<span class=\"ls0 ws0\"> </span>pilar 2<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>modellregler,<span class=\"_ _5\"></span> effektiv fra 1. januar 2024. Basert p\u00e5 disse modellreglene er konsernet p\u00e5lagt \u00e5 beregne en effektiv skattes<span class=\"_ _5\"></span><span class=\"lsbd ws117\">at<span class=\"_ _5\"></span>s (s<span class=\"_ _5\"></span>om<span class=\"_ _5\"></span> def<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span>t i<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>pilar 2<span class=\"ls0 ws0\">-</span>modellreglene) f<span class=\"_ _5\"></span>or hver jurisdiksjon der det opererer, samt \u00e5 betale en suppleringssk<span class=\"_ _5\"></span>att som utgj\u00f8r differansen mellom den be<span class=\"wscf\">regnede </span>effektive skatt<span class=\"_ _5\"></span>esatsen for hver jurisdiksjon og en 15 prosent minimums<span class=\"ls0 ws0\">-<span class=\"lsbf ws107\">ska<span class=\"_ _1\"></span>ttesat<span class=\"_ _1\"></span>s.<span class=\"ls0 ws0\"> </span></span></span>Konsernet har anvendt det obligatoris<span class=\"_ _5\"></span>ke unntaket for \u00e5 innregne og opplyse om utsatt skattefordel og forpliktelse relatert<span class=\"_ _5\"></span> til implementeringen av pilar 2<span class=\"ls0 ws0\">-</span><span class=\"wscf\">modellregler.<span class=\"ls0 ws0\"> </span></span>Vurderingen av kons<span class=\"_ _5\"></span>ernets potensielle eksponering mot pilar 2<span class=\"ls0 ws0\">-</span>innt<span class=\"_ _5\"></span>ektsskatt er basert p\u00e5 de siste skatterapporteringene og land<span class=\"ls0 ws0\">-</span><span class=\"wscf\">for<span class=\"ls0 ws0\">-</span>land </span>rapportering for de relev<span class=\"_ _5\"></span>ante enhetene i konsernet. Basert p\u00e5 vurderingene, er konsernets effektive skattesats over 15 pros<span class=\"_ _5\"></span>ent i nesten alle jurisdiks<span class=\"_ _5\"></span>joner hvor det opererer, og det er vurdert at konsernet ikke vil bli underlagt pilar 2<span class=\"ls0 ws0\">-</span>suppleringssk<span class=\"_ _5\"></span>att i disse jurisdiksjonene. I noen f\u00e5 jurisdiks<span class=\"_ _5\"></span>joner er det en risiko for at den effektive skattesatsen etter pilar 2<span class=\"ls0 ws0\">-</span><span class=\"wscf\">modell</span>reglene vil<span class=\"_ _5\"></span> v\u00e6re under 15 prosent. DNB<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">konsernet forventer </span>ingen vesentli<span class=\"_ _5\"></span>ge eksponeringer mot pilar 2<span class=\"ls0 ws0\">-</span>inntektsskattereglene i<span class=\"_ _5\"></span> disse jurisdiksjonene, og det er ikke avsatt for suppleringsskat<span class=\"_ _5\"></span>t i regnskapet for 2025.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-432": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K26 Land-f<span class=\"_ _1\"></span>or-land rapportering<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h12f gs175\"><div class=\"t m2 x20e hcf y1f7d ff20f fs55 fc21 sc0 lsaf wsf6\">I henhold til CRD<span class=\"ls0 ws0\">-</span>regelverket<span class=\"_ _5\"></span> m\u00e5 en finansinstitusjon offentliggj<span class=\"_ _5\"></span>\u00f8re informasjon om inntekt, antall ansatte og drifts<span class=\"_ _5\"></span>resultat f\u00f8r skatt for hvert land </div><div class=\"t m2 x20e hcf y1f7e ff20f fs55 fc21 sc0 lsaf wsf6\">der den har operasjoner gjennom et datterselsk<span class=\"_ _5\"></span>ap eller en filial. DNB har ikke mottatt offentlige tilskud<span class=\"wsd2\">d k<span class=\"_ _5\"></span>nyttet til kons<span class=\"_ _5\"></span>ernets virksomhet<span class=\"_ _5\"></span> som </span></div><div class=\"t m2 x20e hcf y1f7f ff20f fs55 fc21 sc0 lsaf wscf\">finansi<span class=\"_ _5\"></span>nstitusjon.<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">Tabellen under inneholder k<span class=\"_ _5\"></span>onsoliderte tall per land hentet fra kons<span class=\"_ _5\"></span>ernregnskapet.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y29e9 ff20f fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _108\"> </span> </div><div class=\"t m2 x20e he2 y29ea ff20f fs56 fc21 sc0 ls0 ws0\"> <span class=\"_ _116\"> </span> <span class=\"_ _8a\"> </span> <span class=\"_ _23\"> </span> <span class=\"_ _b\"> </span> <span class=\"_ _b\"> </span> <span class=\"_ _b\"> </span> <span class=\"_ _b\"> </span> <span class=\"_ _b\"> </span> </div></div><div class=\"gs176\"><table class=\"s w35d h4f5\" id=\"_0a6c00b3-1749-4e0f-a829-bd35f7f99a9f\"><tr><td></td><td class=\"c x4a9 y420c w193 hd7\"><div class=\"t m2 x19f hd8 y1f31 ff210 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4aa y420c w195 hd7\"><div class=\"t m2 x127 h125 y29ec ff20f fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x4ab y420c w197 hd7\"><div class=\"t m2 x127 h125 y29ec ff20f fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4ac y420d w194 h13b\"><div class=\"t m2 x19f h125 y1fb2 ff20f fs16 fc21 sc0 ls14 ws14\">Virksomhets<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4aa y420d w19a h13b\"><div class=\"t m2 x1ab h125 y1fb2 ff20f fs16 fc21 sc0 ls3b wsfb\">Sum<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y420d w19b h13b\"><div class=\"t m2 xd9 h125 y1fb2 ff20f fs16 fc21 sc0 ls14 ws14\">Resultat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y420d w19b h13b\"><div class=\"t m2 x44 h125 y1fb2 ff20f fs16 fc21 sc0 lsc7 wsfa\">Skatte<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y420d w19b h13b\"><div class=\"t m2 x19b h125 y1fb2 ff20f fs16 fc21 sc0 ls14 ws14\">Antall<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y420d w19c h13b\"><div class=\"t m2 x1ab h125 y1fb2 ff20f fs16 fc21 sc0 ls3b wsfb\">Sum <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y420d w19b h13b\"><div class=\"t m2 xd9 h125 y1fb2 ff20f fs16 fc21 sc0 ls14 ws14\">Resultat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y420d w19b h13b\"><div class=\"t m2 x44 h125 y1fb2 ff20f fs16 fc21 sc0 lsc7 wsfa\">Skatte<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y420d w19b h13b\"><div class=\"t m2 x19b h125 y1fb2 ff20f fs16 fc21 sc0 ls14 ws14\">Antall<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y420e w193 hd7\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">Land<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b4 y420f w35e h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls14 ws14\">omr\u00e5der</div><div class=\"t m2 x4b3 h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4b6 y420f w35f h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls14 ws14\">inntekter</div><div class=\"t m2 x4b5 h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4ad y420e w19b hd7\"><div class=\"t m2 xd9 h125 y1fb2 ff20f fs16 fc21 sc0 ls0 wsf7\">f\u00f8r skatt<span class=\"ws0\"> </span></div></td><td class=\"c x4b8 y420f w360 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls14 ws14\">kostnad</div><div class=\"t m2 x4b7 h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">3</div></td><td class=\"c x4ba y420f w361 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls0 ws0\">\u00e5rsverk</div><div class=\"t m2 x4b9 h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">4</div></td><td class=\"c x4bc y420f w362 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls14 ws14\">inntekter</div><div class=\"t m2 x4bb h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4b0 y420e w19b hd7\"><div class=\"t m2 xd9 h125 y1fb2 ff20f fs16 fc21 sc0 ls0 wsf7\">f\u00f8r skatt<span class=\"ws0\"> </span></div></td><td class=\"c x4be y420f w363 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls14 ws14\">kostnad</div><div class=\"t m2 x4bd h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">3</div></td><td class=\"c x4c0 y420f w364 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff20f fs16 fc21 sc0 ls0 ws0\">\u00e5rsverk</div><div class=\"t m2 x4bf h137 y3e84 ff20f fs5b fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y4210 w193 h1e1\"><div class=\"t m2 x19f hcc y29f1 ff20f fs53 fc21 sc0 lsb2 wsf1\">Norge<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4210 w194 h1e1\"><div class=\"t m2 x19f hcc y29f1 ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC, </div></td><td class=\"c x4aa y4210 w19a h1e1\"><div class=\"t m2 xd9 hcc y29f1 ff20f fs53 fc21 sc0 lsab wscb\">65<span class=\"ls0 ws0\"> </span>779<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4210 w19b h1e1\"><div class=\"t m2 xd9 hcc y29f1 ff20f fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>180<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y4210 w19b h1e1\"><div class=\"t m2 x20a hcc y29f1 ff20f fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">699</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4af y4210 w19b h1e1\"><div class=\"t m2 x4f hcc y29f1 ff20f fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">560</span> </div></td><td class=\"c x4ab y4210 w19c h1e1\"><div class=\"t m2 xd9 hcc y29f1 ff20f fs53 fc21 sc0 lsab wscb\">58<span class=\"ls0 ws0\"> </span>979<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y4210 w19b h1e1\"><div class=\"t m2 xd9 hcc y29f1 ff20f fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span>526<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y4210 w19b h1e1\"><div class=\"t m2 x20a hcc y29f1 ff20f fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">018</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4b2 y4210 w19b h1e1\"><div class=\"t m2 x4f hcc y29f1 ff20f fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">016</span> </div></td></tr><tr><td></td><td></td><td class=\"c x4b4 y4211 w365 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff20f fs53 fc21 sc0 lsb2 wsf1\">WM,<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4c1 y4212 w366 h4b2\"><div class=\"t m2 x3f4 hcc y3eee ff20f fs53 fc21 sc0 lsb2 wsf2\">PM, A<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4a9 y4213 w193 hdb\"><div class=\"t m2 x19f hcc y200f ff20f fs53 fc21 sc0 lsab wscb\">Danmar<span class=\"_ _5\"></span>k<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4213 w194 hdb\"><div class=\"t m2 x19f hcc y200f ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC, A<span class=\"_ _5\"></span><span class=\"ls0\"> </span></div></td><td class=\"c x4aa y4213 w19a hdb\"><div class=\"t m2 x4f hcc y200f ff20f fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">217</span> </div></td><td class=\"c x4ad y4213 w19b hdb\"><div class=\"t m2 x209 hcc y200f ff20f fs53 fc21 sc0 lsab wscb\">926<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y4213 w19b hdb\"><div class=\"t m2 x4f hcc y200f ff20f fs53 fc21 sc0 lsab wscb\">(134)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y4213 w19b hdb\"><div class=\"t m2 x209 hcc y200f ff20f fs53 fc21 sc0 lsab wscb\">159<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y4213 w19c hdb\"><div class=\"t m2 x4f hcc y200f ff20f fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">339</span> </div></td><td class=\"c x4b0 y4213 w19b hdb\"><div class=\"t m2 x4f hcc y200f ff20f fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">117</span> </div></td><td class=\"c x4b1 y4213 w19b hdb\"><div class=\"t m2 x4f hcc y200f ff20f fs53 fc21 sc0 lsab wscb\">(177)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y4213 w19b hdb\"><div class=\"t m2 x247 hcc y200f ff20f fs53 fc21 sc0 lsab wscb\">56<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y4214 w193 hda\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">Luxem<span class=\"_ _5\"></span>bourg<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4214 w194 hda\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsc9 wsd1\">WM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4aa y4214 w19a hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(69)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4214 w19b hda\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">163<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y4214 w19b hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(39)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y4214 w19b hda\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y4214 w19c hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(82)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y4214 w19b hda\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">130<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y4214 w19b hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(49)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y4214 w19b hda\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">56<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y4215 w193 hdb\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">Polen<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4215 w194 hdb\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">LCI<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4aa y4215 w19a hdb\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">396<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4215 w19b hdb\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">(525)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y4215 w19b hdb\"><div class=\"t m2 x1ba hcc y1db0 ff20f fs53 fc21 sc0 ls0 ws0\">3 </div></td><td class=\"c x4af y4215 w19b hdb\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">69<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y4215 w19c hdb\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">427<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y4215 w19b hdb\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">(116)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y4215 w19b hdb\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(35)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y4215 w19b hdb\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">75<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y4216 w193 hde\"><div class=\"t m2 x19f hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">Singapo<span class=\"_ _5\"></span>re<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4216 w194 hde\"><div class=\"t m2 x19f hcc y1da9 ff20f fs53 fc21 sc0 lsaa ws0\">LCI, DNBC<span class=\"_ _5\"></span>, A<span class=\"ls0\"> </span></div></td><td class=\"c x4aa y4216 w19a hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4216 w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y4216 w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y4216 w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y4216 w19c hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">52<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y4216 w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y4216 w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y4216 w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y4217 w193 h1e2\"><div class=\"t m2 x19f hcc y29f9 ff20f fs53 fc21 sc0 lsb2 wsf1\">Sverig<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4217 w194 h1e2\"><div class=\"t m2 x19f hcc y29f9 ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC, </div></td><td class=\"c x4aa y4217 w19a h1e2\"><div class=\"t m2 xd9 hcc y29f9 ff20f fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>487<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4217 w19b h1e2\"><div class=\"t m2 x4f hcc y29f9 ff20f fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">563</span> </div></td><td class=\"c x4ae y4217 w19b h1e2\"><div class=\"t m2 x20a hcc y29f9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">100</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4af y4217 w19b h1e2\"><div class=\"t m2 x4f hcc y29f9 ff20f fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">021</span> </div></td><td class=\"c x4ab y4217 w19c h1e2\"><div class=\"t m2 x4f hcc y29f9 ff20f fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">017</span> </div></td><td class=\"c x4b0 y4217 w19b h1e2\"><div class=\"t m2 x4f hcc y29f9 ff20f fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">437</span> </div></td><td class=\"c x4b1 y4217 w19b h1e2\"><div class=\"t m2 x4f hcc y29f9 ff20f fs53 fc21 sc0 lsab wscb\">(839)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y4217 w19b h1e2\"><div class=\"t m2 x209 hcc y29f9 ff20f fs53 fc21 sc0 lsab wscb\">463<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x40d y4218 w73 h12f\"><div class=\"t m2 x2e1 hcc y29fa ff20f fs53 fc21 sc0 lsb2 wsf1\">WM, <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4ac y4217 w194 h1e2\"><div class=\"t m2 x19f hcc y29fb ff20f fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsb2 wsf2\">PM, A<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4a9 y4219 w193 hda\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">Storbrita<span class=\"_ _5\"></span>nnia<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y4219 w194 hda\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC<span class=\"_ _5\"></span><span class=\"ls0\"> </span></div></td><td class=\"c x4aa y4219 w19a hda\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">(314)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4219 w19b hda\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">811</span> </div></td><td class=\"c x4ae y4219 w19b hda\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">(592)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y4219 w19b hda\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y4219 w19c hda\"><div class=\"t m2 x20a hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4b0 y4219 w19b hda\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">886</span> </div></td><td class=\"c x4b1 y4219 w19b hda\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">(672)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y4219 w19b hda\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">140<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y421a w193 hdb\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 lsa7 wsc9\">USA<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y421a w194 hdb\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC<span class=\"_ _5\"></span><span class=\"ls0\"> </span></div></td><td class=\"c x4aa y421a w19a hdb\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>732<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y421a w19b hdb\"><div class=\"t m2 x4f hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">309</span> </div></td><td class=\"c x4ae y421a w19b hdb\"><div class=\"t m2 x4f hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">(334)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y421a w19b hdb\"><div class=\"t m2 x209 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">160<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y421a w19c hdb\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>580<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y421a w19b hdb\"><div class=\"t m2 x4f hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">727</span> </div></td><td class=\"c x4b1 y421a w19b hdb\"><div class=\"t m2 x20a hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">256</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4b2 y421a w19b hdb\"><div class=\"t m2 x209 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">159<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y421b w193 hde\"><div class=\"t m2 x19f hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">Latvia<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y421b w194 hde\"><div class=\"t m2 x19f hcc y1da9 ff20f fs53 fc21 sc0 ls0 ws0\">A </div></td><td class=\"c x4aa y421b w19a hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y421b w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y421b w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y421b w19b hde\"><div class=\"t m2 x209 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">525<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y421b w19c hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y421b w19b hde\"><div class=\"t m2 x247 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4b2 y421b w19b hde\"><div class=\"t m2 x209 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">539<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y421c w193 hdb\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">Tyskland </div></td><td class=\"c x4ac y421c w194 hdb\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC<span class=\"_ _5\"></span><span class=\"ls0\"> </span></div></td><td class=\"c x4aa y421c w19a hdb\"><div class=\"t m2 x1ab hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y421c w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y421c w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y421c w19b hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x4ab y421c w19c hdb\"><div class=\"t m2 x1ab hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(36)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y421c w19b hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x4b1 y421c w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y421c w19b hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">9 </div></td></tr><tr><td></td><td class=\"c x4a9 y421d w193 hda\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">Finland<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y421d w194 hda\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsaa ws0\">BMN, LCI, D<span class=\"_ _5\"></span>NBC<span class=\"_ _5\"></span><span class=\"ls0\"> </span></div></td><td class=\"c x4aa y421d w19a hda\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">181<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y421d w19b hda\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">79<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y421d w19b hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(20)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y421d w19b hda\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">74<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y421d w19c hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(55)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y421d w19b hda\"><div class=\"t m2 x209 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y421d w19b hda\"><div class=\"t m2 x1ab hcc y1db0 ff20f fs53 fc21 sc0 lsb2 wsf1\">(24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y421d w19b hda\"><div class=\"t m2 x247 hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y421e w193 hdb\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 lsa7 wsc9\">Chile<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ac y421e w194 hdb\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">LCI<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4aa y421e w19a hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x4ad y421e w19b hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x4ae y421e w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4af y421e w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y421e w19c hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">0 </div></td><td class=\"c x4b0 y421e w19b hdb\"><div class=\"t m2 x1ba hcc y1dae ff20f fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x4b1 y421e w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b2 y421e w19b hdb\"><div class=\"t m2 x247 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y421f w193 hd9\"><div class=\"t m2 x19f hcc y1da9 ff20f fs53 fc21 sc0 lsab wscd\">Totalt f<span class=\"_ _5\"></span>\u00f8r elim<span class=\"_ _5\"></span>inerin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4aa y421f w19a hd9\"><div class=\"t m2 xd9 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">91<span class=\"ls0 ws0\"> </span>417<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y421f w19b hd9\"><div class=\"t m2 xd9 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>540<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y421f w19b hd9\"><div class=\"t m2 x20a hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">925</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4af y421f w19b hd9\"><div class=\"t m2 xd9 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>829<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y421f w19c hd9\"><div class=\"t m2 xd9 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>537<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y421f w19b hd9\"><div class=\"t m2 xd9 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y421f w19b hd9\"><div class=\"t m2 x20a hcc y1da9 ff20f fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4b2 y421f w19b hd9\"><div class=\"t m2 xd9 hcc y1da9 ff20f fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>603<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4a9 y4220 w193 hdb\"><div class=\"t m2 x19f hcc y1db0 ff20f fs53 fc21 sc0 lsab wscb\">Elim<span class=\"_ _5\"></span>ineringer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4aa y4220 w19a hdb\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">351</span> </div></td><td></td><td></td><td></td><td class=\"c x4ab y4220 w19c hdb\"><div class=\"t m2 x4f hcc y1db0 ff20f fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">159</span> </div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4a9 y4221 w193 hdd\"><div class=\"t m2 x19f hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4aa y4221 w19a hdd\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">94<span class=\"ls0 ws0\"> </span>768<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ad y4221 w19b hdd\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>540<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ae y4221 w19b hdd\"><div class=\"t m2 x20a hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">925</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4af y4221 w19b hdd\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>829<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ab y4221 w19c hdd\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">88<span class=\"ls0 ws0\"> </span>696<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b0 y4221 w19b hdd\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4b1 y4221 w19b hdd\"><div class=\"t m2 x20a hcc y1dae ff20f fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">074</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4b2 y4221 w19b hdd\"><div class=\"t m2 xd9 hcc y1dae ff20f fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>603<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 ls0 ws0\">1</div></td><td class=\"c x410 y4144 w367 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Fordel<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span>en er bas<span class=\"_ _5\"></span>ert p<span class=\"_ _5\"></span>\u00e5 DNBs <span class=\"_ _5\"></span>forre<span class=\"_ _5\"></span>tnings<span class=\"_ _5\"></span>omr\u00e5der/<span class=\"_ _5\"></span>oper<span class=\"_ _5\"></span>assjonel<span class=\"_ _5\"></span>le st<span class=\"_ _5\"></span>ruktur<span class=\"_ _5\"></span> og i<span class=\"_ _5\"></span>kke p\u00e5 DN<span class=\"_ _5\"></span>Bs</span> <span class=\"lsab wscb\">se<span class=\"_ _5\"></span>gmentra<span class=\"_ _5\"></span>pport<span class=\"_ _5\"></span>ering.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x414 y4145 w368 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 ls0 ws0\">BMN <span class=\"lsa7 wsc9\">= <span class=\"lsa9 ws87\">Bedr<span class=\"_ _1\"></span>iftsma<span class=\"_ _1\"></span>rked Nor<span class=\"_ _1\"></span>ge, LC<span class=\"_ _1\"></span>I<span class=\"ls0 ws0\"> = <span class=\"lsab wscd\">Large<span class=\"_ _5\"></span> Corpo<span class=\"_ _5\"></span>rate</span>s <span class=\"lsab wsd0\">&amp; Int<span class=\"_ _5\"></span>ernati<span class=\"_ _5\"></span>onal, <span class=\"wscd\">PM =<span class=\"_ _5\"></span> Perso<span class=\"_ _5\"></span>nmark<span class=\"_ _5\"></span>ed, W<span class=\"_ _5\"></span>M = Weal<span class=\"_ _5\"></span>th Man<span class=\"_ _5\"></span>agem<span class=\"_ _5\"></span>ent, DNB<span class=\"_ _5\"></span>C =</span></span> <span class=\"lsab wscd\">DN<span class=\"_ _5\"></span>B Carn<span class=\"_ _5\"></span>egie, A<span class=\"_ _5\"></span> = Anne<span class=\"_ _5\"></span>t.<span class=\"_ _1c5\"> </span></span></span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 lsab wscb\">2</div></td><td class=\"c x4c2 y4146 w369 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 lsab wscd\">T<span class=\"_ _1\"></span>otal<span class=\"_ _5\"></span>e i<span class=\"wscb\">nnt<span class=\"_ _5\"></span>ekter<span class=\"ls0 ws0\"> </span></span>er <span class=\"_ _5\"></span>define<span class=\"_ _5\"></span>rt som<span class=\"_ _5\"></span> summ<span class=\"_ _5\"></span>en av <span class=\"_ _5\"></span>netto <span class=\"wscb\">re<span class=\"_ _5\"></span>nteinnt<span class=\"_ _5\"></span>ekt<span class=\"wsd0\">er og ne<span class=\"_ _5\"></span>tto andr<span class=\"_ _5\"></span>e driftsi<span class=\"_ _5\"></span>nntek<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\">.<span class=\"_ _1c5\"> </span></span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 lsab wscb\">3</div></td><td class=\"c x4c2 y3ea2 w36a h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 lsab wscb\"><span class=\"ls0 ws0\">S</span><span class=\"wsd0\">kattekostna<span class=\"_ _5\"></span>d best\u00e5r av b\u00e5d<span class=\"_ _5\"></span>e betalba<span class=\"_ _5\"></span>r skatt og utsat<span class=\"_ _5\"></span>t skatt.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 lsab wscb\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c2 y3e64 w36b h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff210 fs53 fc21 sc0 lsab wscd\">Antall \u00e5rsverk<span class=\"_ _5\"></span> er b<span class=\"_ _5\"></span>eregnet <span class=\"_ _5\"></span>basert<span class=\"_ _5\"></span> p\u00e5 full<span class=\"_ _5\"></span>tidsa<span class=\"_ _5\"></span>nsatte.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>Nedenfor fremkomm<span class=\"_ _5\"></span>er navnene p\u00e5 konsernets datterselskaper, tilk<span class=\"_ _5\"></span>nyttede selskaper og filialer for hvert land der DNB er etable<span class=\"lsc4 ws115\">rt. </span>Representasj<span class=\"_ _5\"></span>onskontorer og enheter som holdes for salg er ikke tatt med i denne tabellen. I note M32 Investeringer i datterse<span class=\"lsb9 wsff\">ls</span>kaper og note K36 Investeringer etter egenk<span class=\"_ _5\"></span>apitalmetoden oppgis ogs\u00e5 selskapsnavnene til konsernets<span class=\"_ _5\"></span> vesentlige datterselskaper og tilknytte<span class=\"wsd2\">de s<span class=\"_ _5\"></span>elskaper.<span class=\"ls0 ws0\"> </span></span>Norge:<span class=\"ls0 ws0\"> </span>Luxembourg:<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>DNB Livsfors<span class=\"_ _5\"></span>ikring AS<span class=\"ls0 ws0\"> </span>DNB Luxembourg S.A.<span class=\"ls0 ws0\"> </span>DNB Asset<span class=\"_ _5\"></span> Management Holding A<span class=\"_ _5\"></span>S<span class=\"ls0 ws0\"> </span>DNB Asset Management S.A.<span class=\"ls0 ws0\"> </span>DNB Asset Management AS<span class=\"ls0 ws0\"> </span>DNB Asset Management AS Luxembourg Branch<span class=\"ls0 ws0\"> </span>DNB Boligk<span class=\"_ _5\"></span>reditt AS<span class=\"ls0 ws0\"> </span>DNB P<span class=\"_ _1\"></span>E(GP)<span class=\"_ _1\"></span> Sarl<span class=\"ls0 ws0\"> </span>DNB Ei<span class=\"_ _5\"></span>endom AS<span class=\"ls0 ws0\"> </span>DNB PE<span class=\"_ _5\"></span> SCA SICAV<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"lsbb ws102\">RAIF</span> </span>DNB Invest Holding AS<span class=\"ls0 ws0\"> </span>DNB Eiendomsutvik<span class=\"_ _5\"></span>ling AS<span class=\"ls0 ws0\"> </span>Singapore:<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>DNB Gjenst<span class=\"_ _5\"></span>andsadministrasjon AS<span class=\"ls0 ws0\"> </span>DNB Bank A<span class=\"_ _5\"></span>SA, filial i<span class=\"_ _5\"></span> Singapore<span class=\"ls0 ws0\"> </span>Mosetertoppen AS<span class=\"ls0 ws0\"> </span>Godfjellet AS<span class=\"ls0 ws0\"> </span>Sverige:<span class=\"ls0 ws0\"> </span>DNB N\u00e6ringsmegli<span class=\"_ _5\"></span>ng AS<span class=\"ls0 ws0\"> </span>DNB Bank ASA,<span class=\"_ _1\"></span> filial i Sverige<span class=\"ls0 ws0\"> </span>Eksportfinans AS<span class=\"ls0 ws0\"> </span>DNB Sweden A<span class=\"_ _5\"></span>B<span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k ASA<span class=\"ls0 ws0\"> </span>DNB Asset Management AB<span class=\"ls0 ws0\"> </span>DNB Bank ASA Norway Finans<span class=\"ls0 ws0\"> </span>DNB Invest Sweden AB<span class=\"ls0 ws0\"> </span>Eiendomsverdi<span class=\"_ _5\"></span> AS<span class=\"ls0 ws0\"> </span>DNB Baltic Invest AB (inkludert ti<span class=\"_ _5\"></span>lknyttede selskaper)<span class=\"ls0 ws0\"> </span>DNB Ventures<span class=\"_ _5\"></span> AS<span class=\"ls0 ws0\"> </span>T\u00f6cksfors Handelspark AB<span class=\"ls0 ws0\"> </span>Fremtind Holding AS<span class=\"ls0 ws0\"> </span>DNB Carnegie Holding AB<span class=\"ls0 ws0\"> </span>Norsk Gjel<span class=\"_ _5\"></span>dsinformasjon AS<span class=\"ls0 ws0\"> </span>Ocean Holding AS (fusjonert inn i DNB Eiendomsutvikling i 2024)<span class=\"ls0 ws0\"> </span>Storbritannia:<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Rental Group Mobility AS <span class=\"ls0 ws0\"> </span>DNB Bank ASA, filial i London<span class=\"ls0 ws0\"> </span>Skandinavisk<span class=\"_ _5\"></span>e Handelsparker AS<span class=\"ls0 ws0\"> </span>DNB (UK) Limi<span class=\"_ _5\"></span>ted<span class=\"ls0 ws0\"> </span>B&amp;R Holding AS<span class=\"ls0 ws0\"> </span>Vipps Holdi<span class=\"_ _5\"></span>ng AS<span class=\"ls0 ws0\"> </span>USA:<span class=\"ls0 ws0\"> </span>Autolease AS<span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k ASA, filia<span class=\"_ _1\"></span>l i New Yor<span class=\"_ _1\"></span>k<span class=\"ls0 ws0\"> </span>iM<span class=\"_ _5\"></span>ov<span class=\"_ _5\"></span>e AS<span class=\"ls0 ws0\"> </span>DNB Bank ASA, filial p\u00e5 Cayman Islands (avviklet i 2024)<span class=\"ls0 ws0\"> </span>Nordic M<span class=\"_ _5\"></span>obility Servic<span class=\"_ _5\"></span>es AS<span class=\"ls0 ws0\"> </span>DNB Carnegie Inc.<span class=\"ls0 ws0\"> </span>VN Norge AS<span class=\"ls0 ws0\"> </span>DNB Capital LLC<span class=\"ls0 ws0\"> </span>Tjuvholmen <span class=\"_ _5\"></span>Hamar AS<span class=\"ls0 ws0\"> </span>DNB Carnegie AS<span class=\"ls0 ws0\"> </span>Latvia:<span class=\"ls0 ws0\"> </span>DNB Carnegie Business Management AS<span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k ASA, filia<span class=\"_ _1\"></span>l i Latvia<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Firmament AS<span class=\"ls0 ws0\"> </span>Vow A<span class=\"_ _1\"></span>SA<span class=\"ls0 ws0\"> </span>Tyskland:<span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k ASA, filia<span class=\"_ _1\"></span>l i Tysk<span class=\"_ _1\"></span>land<span class=\"ls0 ws0\"> </span>Danmark:<span class=\"ls0 ws0\"> </span>DNB Bank ASA, filial i Danmark<span class=\"ls0 ws0\"> </span>Finland:<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>DNB Invest Denmark A/S<span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k ASA, filia<span class=\"_ _1\"></span>l i Finla<span class=\"_ _1\"></span>nd<span class=\"ls0 ws0\"> </span>DNB Auto Finance OY<span class=\"ls0 ws0\"> </span>Polen:<span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k Pol<span class=\"_ _1\"></span>ska S<span class=\"_ _1\"></span>.A.<span class=\"ls0 ws0\"> </span>Chile:<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>DNB Ban<span class=\"_ _1\"></span>k ASA, filia<span class=\"_ _1\"></span>l i Chile",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-390": {
   "value": "<div class=\"c w73 h1e4 gs179\"><div class=\"t m2 x20e hcf y2a5f ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2a60 ff21a fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a61 ff21b fs55 fc21 sc0 lsaf wsf6\">Innregning og fraregning<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h183 y2a62 ff21c fs55 fc21 sc0 lsaf wscf\">F\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a63 ff21b fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter innregnes n\u00e5r konsernet blir part i instrumentets<span class=\"_ _5\"></span> kontraktsbestemmelser.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>Finansielle eiendeler, med unntak av utl\u00e5n og </div><div class=\"t m2 x20e hcf y2a64 ff21b fs55 fc21 sc0 lsaf wsf6\">forskudd til kunder, bl<span class=\"_ _5\"></span>ir i utgangspunktet innregnet p\u00e5 oppgj\u00f8rstids<span class=\"_ _5\"></span>punktet. Dette gjelder ogs\u00e5 ved alminnelig kj\u00f8<span class=\"_ _5\"></span>p eller salg av finansielle </div><div class=\"t m2 x20e hcf y2a65 ff21b fs55 fc21 sc0 lsaf wsf6\">eiendeler (regular<span class=\"ls0 ws0\">-</span>way t<span class=\"_ _5\"></span>rades). Utl\u00e5n og forskudd til kunder innregnes n\u00e5r midler overf\u00f8<span class=\"_ _5\"></span>res til kundenes kontoer. Konsernet innregner innskudd </div><div class=\"t m2 x20e hcf y2a66 ff21b fs55 fc21 sc0 lsaf wsf6\">fra kunder, gjeld til kreditt<span class=\"_ _5\"></span>institusjoner og verdipapirgjel<span class=\"_ _5\"></span>d n\u00e5r midler overf\u00f8res <span class=\"wsd2\">til kons<span class=\"_ _5\"></span>ernet.<span class=\"ls0 ws112\">  </span></span></div><div class=\"t m2 x20e hcf y2a67 ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h183 y2a68 ff21c fs55 fc21 sc0 lsaf wsf6\">Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a69 ff21b fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt </div><div class=\"t m2 x20e hcf y2a6a ff21b fs55 fc21 sc0 lsaf wsf6\">praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at </div><div class=\"t m2 x20e hcf y2a6b ff21b fs55 fc21 sc0 lsaf wsf6\">balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen </div><div class=\"t m2 x20e hcf y2a6c ff21b fs55 fc21 sc0 lsaf wsf6\">beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2a6d ff21b fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a6e ff21b fs55 fc21 sc0 lsaf wsf6\">En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span></div><div class=\"t m2 x20e hcf y2a6f ff21b fs55 fc21 sc0 lsaf wsf6\">beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e </div><div class=\"t m2 x20e hcf y2a70 ff21b fs55 fc21 sc0 lsaf wsf6\">tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de </div><div class=\"t m2 x20e hcf y2a71 ff21b fs55 fc21 sc0 lsaf wsd2\">forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a72 ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h183 y2a73 ff21c fs55 fc21 sc0 lsaf wsd2\">Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a74 ff21b fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a75 ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a76 ff21b fs55 fc21 sc0 lsaf wsf6\">Klassifis<span class=\"_ _5\"></span>ering og presentasjon<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a77 ff21b fs55 fc21 sc0 lsaf wsd2\">Finansiel<span class=\"_ _5\"></span>le eiendeler kl<span class=\"_ _5\"></span>assifiseres i <span class=\"_ _5\"></span>en av f\u00f8l<span class=\"_ _5\"></span>gende m\u00e5lekategorier:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a78 ff21d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">amortis<span class=\"_ _5\"></span>ert kost</span> </span></div><div class=\"t m2 x20e hcf y2a79 ff21d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over totalresultatet</span> </span></div><div class=\"t m2 x20e hcf y2a7a ff21d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over resultatet</span> </span></div><div class=\"t m2 x20e hcf y2a7b ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a7c ff21b fs55 fc21 sc0 lsaf wsf6\">Klassifis<span class=\"_ _5\"></span>eringen av finansielle eiendeler er avhengig av to faktorer:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a7d ff21d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virksom<span class=\"_ _5\"></span>hetsmodellen for portef\u00f8ljen som den finansielle ei<span class=\"_ _5\"></span>endelen h\u00f8rer til</span> </span></div><div class=\"t m2 x20e hcf y2a7e ff21d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kjennetegnene til<span class=\"_ _5\"></span> den finansielle eiendelens kontrakts<span class=\"_ _5\"></span>regulerte kontantstr\u00f8mmer</span> </span></div><div class=\"t m2 x20e hcf y2a7f ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a80 ff21b fs55 fc21 sc0 lsaf wsf6\">N\u00e5r virksomhetsmodel<span class=\"_ _5\"></span>len utarbeides, vurderer konsernet<span class=\"_ _5\"></span> for hver portef\u00f8lje hvordan virksomheten styres, salgsaktiv<span class=\"_ _5\"></span>iteter, risiko<span class=\"wsd2\">styri<span class=\"_ _5\"></span>ng samt </span></div><div class=\"t m2 x20e hcf y2a81 ff21b fs55 fc21 sc0 lsaf wsd2\">hvordan i<span class=\"_ _5\"></span>nformasjon formi<span class=\"_ _5\"></span>dles til ledels<span class=\"_ _5\"></span>en. Virksom<span class=\"wsf6\">hetsm<span class=\"_ _5\"></span>odellen er blitt vurdert for hvert forretningsomr\u00e5de. P<span class=\"_ _5\"></span>o<span class=\"lsc1 wsce\">rte</span></span>f\u00f8ljene s<span class=\"_ _5\"></span>om tilh\u00f8rer </div><div class=\"t m2 x20e hcf y2a82 ff21b fs55 fc21 sc0 lsaf wsf6\">kundeomr\u00e5dene har en virksom<span class=\"_ _5\"></span>hetsmodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontraktsregulerte kontantst<span class=\"_ _5\"></span>r\u00f8mmene, mens det er </div><div class=\"t m2 x20e hcf y2a83 ff21b fs55 fc21 sc0 lsaf wsf6\">flere ulike virks<span class=\"_ _5\"></span>omhetsmodeller for portef\u00f8ljene som h\u00f8rer ti<span class=\"_ _5\"></span>l produktomr\u00e5det DNB Carnegie og konsernomr\u00e5de<span class=\"lsd4 ws107\">t K</span><span class=\"wscf\">on<span class=\"_ _1\"></span>serntreas<span class=\"_ _5\"></span>ury.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2a84 ff21b fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a85 ff21b fs55 fc21 sc0 lsaf wsf6\">Ved f\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning av finansielle eiendeler bli<span class=\"_ _5\"></span>r det utf\u00f8rt en test av kjennetegnene til de kontraktsregulerte kontant<span class=\"lsc5 ws130\">st<span class=\"_ _5\"></span>r\u00f8m</span><span class=\"wscf\">mene. </span></div><div class=\"t m2 x20e hcf y2a86 ff21b fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler med kontantstr\u00f8mmer som bare er betaling av hovedstol og rente, best\u00e5r testen hvis de kontrak<span class=\"_ _5\"></span><span class=\"lsbc ws103\">tu</span>elle kontantstr\u00f8mmene </div><div class=\"t m2 x20e hcf y2a87 ff21b fs55 fc21 sc0 lsaf wsf6\">er forenlige med en grunnleggende l\u00e5neav<span class=\"_ _5\"></span>tale. I en grunnleggende l\u00e5neavtale er vederlag for tidsv<span class=\"_ _5\"></span>erdien av penger og kredittrisikoen vanligv<span class=\"_ _5\"></span>is </div><div class=\"t m2 x20e hcf y2a88 ff21b fs55 fc21 sc0 lsaf wsf6\">de viktigste delene av rent<span class=\"_ _5\"></span>en. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2a89 ff21b fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a8a ff21b fs55 fc21 sc0 lsaf wsd2\">Finansiel<span class=\"_ _5\"></span>le forpliktels<span class=\"_ _5\"></span>er klassifiseres t<span class=\"_ _5\"></span>il amortisert<span class=\"_ _5\"></span> kost med <span class=\"_ _5\"></span>unntak av finans<span class=\"_ _5\"></span>ielle forpliktelser <span class=\"_ _5\"></span>som m\u00e5 m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">verdi over resultatet ell<span class=\"_ _5\"></span>er </span></div><div class=\"t m2 x20e hcf y2a8b ff21b fs55 fc21 sc0 lsaf wsf6\">er bestemt regnskapsf\u00f8rt<span class=\"_ _5\"></span> til virkelig verdi over resultatet.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2a8c ff21b fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a8d ff21b fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler kan ugjenkallelig bli bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangs<span class=\"_ _5\"></span>innregning hvis f\u00f8lgende </div><div class=\"t m2 x20e hcf y2a8e ff21b fs55 fc21 sc0 lsaf wsf6\">kriteri<span class=\"_ _5\"></span>um er oppfylt:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a8f ff21d fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Klassifi<span class=\"_ _5\"></span>seringen eliminerer eller i vesentl<span class=\"_ _5\"></span>ig grad reduserer en uoverensstemmelse i m\u00e5ling eller innregning som ellers vil<span class=\"_ _5\"></span>le ha oppst\u00e5tt ved </span></span></div><div class=\"t m2 x134 hcf y2a90 ff21b fs55 fc21 sc0 lsaf wsf6\">m\u00e5ling av eiendeler eller v<span class=\"_ _5\"></span>ed regnskapsf\u00f8ring av tilh\u00f8rende gevinster eller tap p\u00e5 ulikt grunnlag.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a91 ff21b fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y2a92 ff21a fs59 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2a93 ff21b fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span><span class=\"ff21c\"> </span></div></div><div class=\"c w111 h1e4 gs17c\"><div class=\"t m2 x248 hcf y2a21 ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a22 ff21e fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le forpliktelser kan ogs\u00e5 ugjenkallel<span class=\"_ _5\"></span>ig bli bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> over res<span class=\"_ _5\"></span>ultatet ved f\u00f8rst<span class=\"_ _5\"></span>egangs</span>inn<span class=\"wsd2\">regning <span class=\"_ _5\"></span>hvis kriteriet </span></span></div><div class=\"t m2 x248 hcf y2a23 ff21e fs55 fc21 sc0 lsaf wsf6\">ovenfor ell<span class=\"_ _5\"></span>er en av f\u00f8lgende er op<span class=\"_ _1\"></span>pfy<span class=\"_ _5\"></span>lt: <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a24 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De finansiell<span class=\"_ _5\"></span>e instrumentene er en del av en portef\u00f8lje som styres og vurderes p\u00e5 bakgrunn av virkelig verdi i samsvar med en</span> <span class=\"lsaf wscf\">dokumentert </span></span></div><div class=\"t m2 x208 hcf y2a25 ff21e fs55 fc21 sc0 lsaf wscf\">risikoh\u00e5ndteri<span class=\"_ _5\"></span>ngs<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller investerings<span class=\"_ _5\"></span></span>strategi.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a26 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Vertskont<span class=\"_ _5\"></span>rakten inneholder et eller flere innebygde derivater.</span> </span></div><div class=\"t m2 x248 hcf y2a27 ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y2a28 ff221 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a29 ff21e fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler, som ikke er bestemt regnskapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi over resultatet, er balansef\u00f8rt til amortisert<span class=\"_ _5\"></span> kost hvis begge f\u00f8lgende </div><div class=\"t m2 x248 hcf y2a2a ff21e fs55 fc21 sc0 lsaf wsf6\">kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a2b ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontrakts<span class=\"wsd2\">regulert<span class=\"_ _5\"></span>e kontant<span class=\"wscf\">str\u00f8m<span class=\"_ _5\"></span>mene.</span></span></span> </span></div><div class=\"t m2 x248 hcf y2a2c ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span></div><div class=\"t m2 x248 hcf y2a2d ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a2e ff21e fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rstegangsinnregning til virkelig v<span class=\"_ _5\"></span>erdi pluss direkte henf\u00f8r<span class=\"wscf\">bare </span></div><div class=\"t m2 x248 hcf y2a2f ff21e fs55 fc21 sc0 lsaf wsf6\">transaksj<span class=\"_ _5\"></span>onskostnader. Deretter m\u00e5les eiendelene til amort<span class=\"_ _5\"></span>isert kost ved bruk av effektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">metode, redus<span class=\"_ _5\"></span>ert med<span class=\"ls0 ws0\"> </span></span>eventuel<span class=\"_ _5\"></span>le nedskrivninger. </div><div class=\"t m2 x248 hcf y2a30 ff21e fs55 fc21 sc0 lsaf wsf6\">Nedskrivninger og til<span class=\"_ _5\"></span>bakef\u00f8ringer av nedskrivninger bli<span class=\"_ _5\"></span>r m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </div><div class=\"t m2 x248 hcf y2a31 ff21e fs55 fc21 sc0 lsaf wsf6\">modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2a32 ff21e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a33 ff21e fs55 fc21 sc0 lsaf wsf6\">En endring i avsetning til forvent<span class=\"_ _5\"></span>ede kredittap for gjeldsinstrument<span class=\"_ _5\"></span>er balansef\u00f8rt til amortisert kost p\u00e5 balansedagen blir presentert<span class=\"_ _5\"></span> under </div><div class=\"t m2 x248 hcf y2a34 ff21e fs55 fc21 sc0 lsaf wsf6\">\u00abNedskrivninger p\u00e5 finans<span class=\"_ _5\"></span>ielle instrumenter\u00bb i result<span class=\"_ _5\"></span>atregnskapet.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2a35 ff21e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a36 ff21e fs55 fc21 sc0 lsaf wsf6\">Renteinntekter f<span class=\"_ _5\"></span>ra finansielle instrumenter klassifisert<span class=\"_ _5\"></span> i denne kategorien presenteres under \u00abRenteinntekt, eff<span class=\"_ _5\"></span>ektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wscf\">metode\u00bb.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y2a37 ff21e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a38 ff21e fs55 fc21 sc0 lsaf wsf6\">Denne kategorien best\u00e5r i hov<span class=\"_ _5\"></span>edsak av utl\u00e5n til kunder, kontanter og innskudd, fordringer, gjensalgs<span class=\"_ _5\"></span>avtaler og obligasjons<span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2a39 ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y2a3a ff221 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a3b ff21e fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost er ved f\u00f8rstegangsinnregning regns<span class=\"_ _5\"></span>kapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi minus eventuelle direkte </div><div class=\"t m2 x248 hcf y2a3c ff21e fs55 fc21 sc0 lsaf wsf6\">henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Tilh\u00f8rende rent<span class=\"_ _5\"></span>e<span class=\"lsbd ws104\">kos<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span></span>nader presenteres som \u00abRentekostnad, effektiv<span class=\"_ _5\"></span> rente<span class=\"ls0 ws0\">-<span class=\"lsc3 ws114\">me</span></span><span class=\"wscf\">tode\u00bb.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y2a3d ff21e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a3e ff21e fs55 fc21 sc0 lsaf wsf6\">Denne kategorien omfatter i<span class=\"_ _5\"></span>nnskudd fra kunder og kredittinstit<span class=\"_ _5\"></span>usjoner, gjenkj\u00f8psavtaler, utstedt<span class=\"_ _5\"></span>e sertifikater og obligasj<span class=\"_ _5\"></span>oner, ansvarlig </div><div class=\"t m2 x248 hcf y2a3f ff21e fs55 fc21 sc0 lsaf wsf6\">l\u00e5nekapit<span class=\"_ _5\"></span>al og fondsobligasjonsl\u00e5n.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a40 ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y2a41 ff221 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a42 ff21e fs55 fc21 sc0 lsaf wsf6\">Investeri<span class=\"_ _5\"></span>nger i finansielle eiendeler, som ikke er bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt ti<span class=\"_ _5\"></span>l virkelig v<span class=\"_ _5\"></span>erdi over <span class=\"_ _5\"></span>resultatet, m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig verdi over <span class=\"_ _5\"></span>totalresultat<span class=\"_ _5\"></span>et </span></span></div><div class=\"t m2 x248 hcf y2a43 ff21e fs55 fc21 sc0 lsaf wsf6\">hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a44 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let b\u00e5de er \u00e5 holde eiendelene for \u00e5 motta de kon<span class=\"lsc4 ws115\">trakts<span class=\"_ _5\"></span></span><span class=\"wsd2\">regulerte kont<span class=\"_ _5\"></span>antstr\u00f8mmene </span></span></span></div><div class=\"t m2 x208 hcf y2a45 ff21e fs55 fc21 sc0 lsaf wsf6\">samt \u00e5 selge eien<span class=\"wscf\">delen.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2a46 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span></div><div class=\"t m2 x248 hcf y2a47 ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a48 ff21e fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet regnskapsf\u00f8<span class=\"_ _5\"></span>res ved f\u00f8rstegangsinnregning til virkeli<span class=\"_ _5\"></span>g verdi pluss direkte </div><div class=\"t m2 x248 hcf y2a49 ff21e fs55 fc21 sc0 lsaf wsf6\">henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Ett<span class=\"_ _5\"></span>erf\u00f8lgende verdim\u00e5ling er til virkelig verdi over t<span class=\"_ _5\"></span>otalresultatet. Endringer<span class=\"ls0 ws0\"> </span>i v<span class=\"_ _5\"></span>irkelig verdi regnskapsf\u00f8res i </div><div class=\"t m2 x248 hcf y2a4a ff21e fs55 fc21 sc0 lsaf wsf6\">totalres<span class=\"_ _5\"></span>ultatet og akkumuleres i en separat komponent i egenkapitalen. Nedskrivninger og tilbak<span class=\"_ _5\"></span>ef\u00f8ringer av nedskrivninger, rentei<span class=\"_ _5\"></span>nntekter samt </div><div class=\"t m2 x248 hcf y2a4b ff21e fs55 fc21 sc0 lsaf wsf6\">gevinster ell<span class=\"_ _5\"></span>er tap som f\u00f8lge av <span class=\"_ _1\"></span>valutaom<span class=\"_ _5\"></span>regning regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atet.<span class=\"ls0 ws0\"> </span>Ved fraregning av den finansielle ei<span class=\"_ _5\"></span>endelen resirkuleres gevinsten </div><div class=\"t m2 x248 hcf y2a4c ff21e fs55 fc21 sc0 lsaf wsf6\">eller tapet, som er akkumulert i totalresult<span class=\"_ _5\"></span>atet, i resultatet og presenteres p\u00e5 linjen \u00abNetto gevinster p\u00e5 finans<span class=\"_ _5\"></span>ielle instr<span class=\"wsd2\">umenter <span class=\"_ _5\"></span>til virkeli<span class=\"_ _5\"></span>g verdi\u00bb. </span></div><div class=\"t m2 x248 hcf y2a4d ff21e fs55 fc21 sc0 lsbb ws102\">Ned<span class=\"lsaf wsd2\">skrivni<span class=\"_ _5\"></span>nger og til<span class=\"_ _5\"></span>bakef\u00f8ringer<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">av nedskrivni<span class=\"_ _5\"></span>nger blir m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </span></span></div><div class=\"t m2 x248 hcf y2a4e ff21e fs55 fc21 sc0 lsaf wsf6\">modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2a4f ff21e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a50 ff21e fs55 fc21 sc0 lsaf wsf6\">Denne kategorien omfatter en portef<span class=\"_ _5\"></span>\u00f8lje med obligasjons<span class=\"wscf\">inv<span class=\"_ _5\"></span>esteringer.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2a51 ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y2a52 ff221 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter balansef\u00f8rt til virk<span class=\"_ _5\"></span>elig verdi over resultatet<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a53 ff21e fs55 fc21 sc0 lsaf wsf6\">F\u00f8lgende instrum<span class=\"_ _5\"></span>enter h\u00f8rer til denne kategorien:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a54 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">derivater</span> </span></div><div class=\"t m2 x248 hcf y2a55 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">egenkapital<span class=\"_ _5\"></span>instrumenter</span> </span></div><div class=\"t m2 x248 hcf y2a56 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle trading instrumenter</span> </span></div><div class=\"t m2 x248 hcf y2a57 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle instrumenter s<span class=\"_ _5\"></span>om styres ti<span class=\"_ _5\"></span>l virkeli<span class=\"_ _5\"></span>g verdi</span> </span></div><div class=\"t m2 x248 hcf y2a58 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng</span> </span></div><div class=\"t m2 x248 hcf y2a59 ff220 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle eiendeler med k<span class=\"_ _5\"></span>ontraktsregulert<span class=\"_ _5\"></span>e kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer som ikke kun representerer hovedstol og rente</span></span> </span></div><div class=\"t m2 x248 hcf y2a5a ff21e fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2a5b ff21e fs55 fc21 sc0 lsaf wsd2\">Instrument<span class=\"_ _5\"></span>er i denne kat<span class=\"_ _5\"></span>egorien regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rst<span class=\"_ _5\"></span>e<span class=\"wscf\">gangs<span class=\"wsf6\">innregning til vi<span class=\"_ _5\"></span>rkelig verdi. Tilh\u00f8rende transaksjonsk<span class=\"_ _5\"></span>ostnader inn</span></span>regnes i </div><div class=\"t m2 x248 hcf y2a5c ff21e fs55 fc21 sc0 lsaf wsf6\">resultat<span class=\"_ _5\"></span>regnskapet n\u00e5r de oppst\u00e5r. Etterf\u00f8lgende m\u00e5l<span class=\"_ _5\"></span>ing er virkelig verdi med gevinster og tap regnskaps<span class=\"lsbc ws0\">f\u00f8rt i<span class=\"_ _1\"></span> r<span class=\"lsaf wscf\">esultatregnskapet.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbc ws0\"><span class=\"ls0\"> </span></span></div><div class=\"t m2 x248 hcf y2a5d ff21e fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"c w73 h1e6 gs17e\"><div class=\"t m2 x20e hcf y2aeb ff22a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2aec ff22a fs55 fc21 sc0 lsaf wsf6\">Endringer i virk<span class=\"_ _5\"></span>elig verdi p\u00e5 de finansielle instrumentene inng\u00e5r i \u00abNetto gevinster p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter til virkeli<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>verdi\u00bb i </div><div class=\"t m2 x20e hcf y2aed ff22a fs55 fc21 sc0 lsaf wsf6\">resultat<span class=\"_ _5\"></span>regnskapet. Endringer i virkelig verdi p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter innenfor livsf<span class=\"_ _5\"></span>orsikring inng\u00e5r i \u00abNetto forsikringsresul<span class=\"_ _5\"></span>tat\u00bb. Finansielle </div><div class=\"t m2 x20e hcf y2aee ff22a fs55 fc21 sc0 lsaf wsf6\">derivater pres<span class=\"_ _5\"></span>enteres som en eiendel n\u00e5r virkelig verdi er positiv og som en forpliktelse n\u00e5r virk<span class=\"_ _5\"></span>elig verdi er negativ.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2aef ff22a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2af0 ff22a fs55 fc21 sc0 lsaf wsf6\">Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader f<span class=\"_ _5\"></span>or renteb\u00e6rende instrumenter inklusive f<span class=\"_ _5\"></span>inansielle derivater inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, med<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2af1 ff22a fs55 fc21 sc0 lsaf wsf6\">unntak av renteinntekt<span class=\"_ _5\"></span>er og<span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som h\u00f8rer til tradingportef\u00f8ljen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2af2 ff22a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2af3 ff22a fs55 fc21 sc0 lsaf wsf6\">Tradingportef\u00f8<span class=\"_ _5\"></span>ljen omfatter instrumenter,<span class=\"_ _5\"></span> som i hovedsak er anskaffet for \u00e5 <span class=\"_ _1\"></span>sel<span class=\"_ _5\"></span>ges eller kj\u00f8pes tilbake p\u00e5 kort sikt. Dette o<span class=\"ls0 ws0\">m</span>fatter finansielle </div><div class=\"t m2 x20e hcf y2af4 ff22a fs55 fc21 sc0 lsaf wsf6\">derivater, aksj<span class=\"_ _5\"></span>er og obligasjonsportef\u00f8ljer. Rentei<span class=\"_ _5\"></span>nntekter og <span class=\"ls0 ws0\">-</span>kostnader for finansielle instrument<span class=\"_ _5\"></span>er i trad<span class=\"wscf\">ingporte</span>f\u00f8ljen inng\u00e5r i \u00abNetto gevinster </div><div class=\"t m2 x20e hcf y2af5 ff22a fs55 fc21 sc0 lsaf wsf6\">p\u00e5 finansielle i<span class=\"_ _5\"></span>nstrumenter til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2af6 ff22a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2af7 ff22a fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler bestemt regnskapsf\u00f8rt til virkel<span class=\"_ _5\"></span>ig verdi over resultatet ved f\u00f8rstegangsinnregning, omf<span class=\"_ _5\"></span>atter i hovedsak<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">obligasjoner og </span></div><div class=\"t m2 x20e hcf y2af8 ff22a fs55 fc21 sc0 lsaf wsf6\">boligl\u00e5n med fast rente i norske kroner. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2af9 ff22a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2afa ff22a fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le forpliktelser bestemt regnsk<span class=\"_ _5\"></span>apsf\u00f8rt til virkelig verdi over resultatet<span class=\"_ _5\"></span> ved f\u00f8rstegangsinnregning, omfatter i hove<span class=\"wsd2\">ds<span class=\"_ _5\"></span>ak innl\u00e5n med </span></div><div class=\"t m2 x20e hcf y2afb ff22a fs55 fc21 sc0 lsaf wsf6\">rentebinding i norsk<span class=\"_ _5\"></span>e kroner. Endringen i virkelig verdi som kan henf\u00f8res til konsernets kredittrisiko er beregnet <span class=\"wscf\">gjen</span>nom<span class=\"_ _5\"></span> \u00e5 bruke </div><div class=\"t m2 x20e hcf y2afc ff22a fs55 fc21 sc0 lsaf wsf6\">kreditts<span class=\"_ _5\"></span>preadkurver fra Nordic Bond Pricing. Endringen i virkelig verdi som kan henf\u00f8<span class=\"_ _5\"></span>res til kredittrisiko p\u00e5 \u00f8vrige finansielle forplik<span class=\"_ _5\"></span>telser er </div><div class=\"t m2 x20e hcf y2afd ff22a fs55 fc21 sc0 lsaf wsd2\">begrenset <span class=\"_ _5\"></span>p\u00e5 grunn av <span class=\"_ _5\"></span>instrumentenes kort<span class=\"_ _5\"></span>siktige natur. E<span class=\"_ _5\"></span>ndringer i v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> som f\u00f8<span class=\"_ _5\"></span>lge <span class=\"wsf6\">av kredittrisiko p\u00e5 kons<span class=\"_ _5\"></span>ernets langsiktige innl\u00e5n i </span></div><div class=\"t m2 x20e hcf y2afe ff22a fs55 fc21 sc0 lsaf wsf6\">norske kroner som er bestemt regnskapsf\u00f8rt til vi<span class=\"_ _5\"></span>rkelig verdi over resultatet verken skaper eller forverrer et regnsk<span class=\"_ _5\"></span>apsmessi<span class=\"lsbd ws117\">g m<span class=\"_ _5\"></span>is</span><span class=\"wsd2\">f<span class=\"_ _5\"></span>orhold og er </span></div><div class=\"t m2 x20e hcf y2aff ff22a fs55 fc21 sc0 lsaf wsf6\">derfor skilt ut og regnskapsf<span class=\"_ _5\"></span>\u00f8rt i totalresultatet. Se endring i egenkapital for en presentasj<span class=\"_ _5\"></span>on av effektene.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2b00 ff22a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h183 y2b01 ff22b fs55 fc21 sc0 lsaf wscf\">Omklassifis<span class=\"_ _5\"></span>eringer<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2b02 ff22a fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le eiendeler omklassifiseres kun hvis det er en vesentlig endring i virksom<span class=\"_ _5\"></span>hetsmodell for eiendelene. Det er forventet at slike endringer </div><div class=\"t m2 x20e hcf y2b03 ff22a fs55 fc21 sc0 lsaf wsf6\">er sv\u00e6rt sjeldne. Finansiel<span class=\"_ _5\"></span>le forpliktelser om<span class=\"lsbd ws104\">k<span class=\"_ _5\"></span>las<span class=\"_ _5\"></span><span class=\"lsbf wsff\">sifis<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbd ws104\"><span class=\"lsbf wsff\"><span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x20e hcf y2b04 ff22a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2b05 ff22a fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"c w73 h153 gs194\"><div class=\"t m2 x20e hcf y2145 ff260 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2d2a ff25f fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2d2b ff260 fs55 fc21 sc0 lsaf wscf\">Gjenkj\u00f8ps<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsd2\">og salgsavtaler <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y272a ff260 fs55 fc21 sc0 lsaf wsf6\">DNB inng\u00e5r gjenkj\u00f8ps<span class=\"lsc1 wsce\">- </span>og salgs<span class=\"_ _5\"></span>avtaler hvor verdipapirer kan bli l\u00e5nt eller solgt, med en betingelse om \u00e5 gjenkj\u00f8pe dem til en fast pris og p\u00e5 en </div><div class=\"t m2 x20e hcf y2d2c ff260 fs55 fc21 sc0 lsaf wsd2\">forh\u00e5ndsbestem<span class=\"_ _5\"></span>t dato. Slike v<span class=\"_ _5\"></span>erdipapirer er i<span class=\"_ _5\"></span>kke fraregnet<span class=\"lsc4 ws115\">. </span></div><div class=\"t m2 x20e he2 y235f ff260 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2360 ff260 fs55 fc21 sc0 lsaf wsf6\">Tilsvarende,<span class=\"_ _5\"></span> hvor konsernet l\u00e5ner eller kj\u00f8per verdipapirer med en betingels<span class=\"_ _5\"></span>e om \u00e5 <span class=\"_ _1\"></span>selge diss<span class=\"_ _5\"></span>e tilbake (salgsavtaler), er ver<span class=\"wscf\">di</span>papirene ikke </div><div class=\"t m2 x20e hcf y2d2d ff260 fs55 fc21 sc0 lsaf wsf6\">innregnet i balansen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2d2e ff260 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2d2f ff260 fs55 fc21 sc0 lsaf wsf6\">Verdipapirinnl\u00e5n og <span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">utl\u00e5n<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2d30 ff260 fs55 fc21 sc0 lsaf wscf\">Verdipapirinnl\u00e5ns<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">og utl\u00e5nstrans<span class=\"_ _5\"></span>aksjoner er inng\u00e5tt med basis i sikkerhetsstil<span class=\"_ _5\"></span>lelse. Kontanter gitt som sikkerhet er fraregnet fra bal<span class=\"_ _5\"></span>ansen, og<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">en </span></span></span></div><div class=\"t m2 x20e hcf y2d31 ff260 fs55 fc21 sc0 lsaf wsf6\">tilh\u00f8rende f<span class=\"_ _5\"></span>ordring er innregnet. Kontanter mottatt som sikkerhet er innregnet i balans<span class=\"_ _5\"></span>en, og en tilh\u00f8rende <span class=\"wscf\">for<span class=\"wsd2\">pliktelse for <span class=\"_ _5\"></span>tilbakelevering er </span></span></div><div class=\"t m2 x20e hcf y2d32 ff260 fs55 fc21 sc0 lsaf wsf6\">innregnet. V<span class=\"_ _5\"></span>erdipapirer l\u00e5nt ut forblir p\u00e5 balansen. L\u00e5nte verdipapirer er ikk<span class=\"_ _5\"></span>e balansef\u00f8rt som eiendeler. N\u00e5r l\u00e5nte verdipap<span class=\"wsd2\">irer <span class=\"_ _5\"></span>er solgt bl<span class=\"_ _5\"></span>ir et </span></div><div class=\"t m2 x20e hcf y2d33 ff260 fs55 fc21 sc0 lsaf wsf6\">bel\u00f8p tilsvarende den virk<span class=\"_ _5\"></span>elige verdien av verdipapirene innregnet<span class=\"_ _5\"></span> som e<span class=\"wsd2\">n forpliktelse.<span class=\"_ _1c5\"> </span></span><span class=\"wsd2\"> <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2d34 ff260 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2d35 ff260 fs55 fc21 sc0 ls0 ws0\"> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-18": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innregning og fraregning<span class=\"ls0 ws0\"> </span>F\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter innregnes n\u00e5r konsernet blir part i instrumentets<span class=\"_ _5\"></span> kontraktsbestemmelser.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>Finansielle eiendeler, med unntak av utl\u00e5n og forskudd til kunder, bl<span class=\"_ _5\"></span>ir i utgangspunktet innregnet p\u00e5 oppgj\u00f8rstids<span class=\"_ _5\"></span>punktet. Dette gjelder ogs\u00e5 ved alminnelig kj\u00f8<span class=\"_ _5\"></span>p eller salg av finansielle eiendeler (regular<span class=\"ls0 ws0\">-</span>way t<span class=\"_ _5\"></span>rades). Utl\u00e5n og forskudd til kunder innregnes n\u00e5r midler overf\u00f8<span class=\"_ _5\"></span>res til kundenes kontoer. Konsernet innregner innskudd fra kunder, gjeld til kreditt<span class=\"_ _5\"></span>institusjoner og verdipapirgjel<span class=\"_ _5\"></span>d n\u00e5r midler overf\u00f8res <span class=\"wsd2\">til kons<span class=\"_ _5\"></span>ernet.<span class=\"ls0 ws112\">  </span></span>Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span>En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span>beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span>Klassifis<span class=\"_ _5\"></span>ering og presentasjon<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kl<span class=\"_ _5\"></span>assifiseres i <span class=\"_ _5\"></span>en av f\u00f8l<span class=\"_ _5\"></span>gende m\u00e5lekategorier:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">amortis<span class=\"_ _5\"></span>ert kost</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over totalresultatet</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over resultatet</span> </span>Klassifis<span class=\"_ _5\"></span>eringen av finansielle eiendeler er avhengig av to faktorer:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virksom<span class=\"_ _5\"></span>hetsmodellen for portef\u00f8ljen som den finansielle ei<span class=\"_ _5\"></span>endelen h\u00f8rer til</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kjennetegnene til<span class=\"_ _5\"></span> den finansielle eiendelens kontrakts<span class=\"_ _5\"></span>regulerte kontantstr\u00f8mmer</span> </span>N\u00e5r virksomhetsmodel<span class=\"_ _5\"></span>len utarbeides, vurderer konsernet<span class=\"_ _5\"></span> for hver portef\u00f8lje hvordan virksomheten styres, salgsaktiv<span class=\"_ _5\"></span>iteter, risiko<span class=\"wsd2\">styri<span class=\"_ _5\"></span>ng samt </span>hvordan i<span class=\"_ _5\"></span>nformasjon formi<span class=\"_ _5\"></span>dles til ledels<span class=\"_ _5\"></span>en. Virksom<span class=\"wsf6\">hetsm<span class=\"_ _5\"></span>odellen er blitt vurdert for hvert forretningsomr\u00e5de. P<span class=\"_ _5\"></span>o<span class=\"lsc1 wsce\">rte</span></span>f\u00f8ljene s<span class=\"_ _5\"></span>om tilh\u00f8rer kundeomr\u00e5dene har en virksom<span class=\"_ _5\"></span>hetsmodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontraktsregulerte kontantst<span class=\"_ _5\"></span>r\u00f8mmene, mens det er flere ulike virks<span class=\"_ _5\"></span>omhetsmodeller for portef\u00f8ljene som h\u00f8rer ti<span class=\"_ _5\"></span>l produktomr\u00e5det DNB Carnegie og konsernomr\u00e5de<span class=\"lsd4 ws107\">t K</span><span class=\"wscf\">on<span class=\"_ _1\"></span>serntreas<span class=\"_ _5\"></span>ury.<span class=\"ls0 ws0\"> </span></span>Ved f\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning av finansielle eiendeler bli<span class=\"_ _5\"></span>r det utf\u00f8rt en test av kjennetegnene til de kontraktsregulerte kontant<span class=\"lsc5 ws130\">st<span class=\"_ _5\"></span>r\u00f8m</span><span class=\"wscf\">mene. </span>Finansiel<span class=\"_ _5\"></span>le eiendeler med kontantstr\u00f8mmer som bare er betaling av hovedstol og rente, best\u00e5r testen hvis de kontrak<span class=\"_ _5\"></span><span class=\"lsbc ws103\">tu</span>elle kontantstr\u00f8mmene er forenlige med en grunnleggende l\u00e5neav<span class=\"_ _5\"></span>tale. I en grunnleggende l\u00e5neavtale er vederlag for tidsv<span class=\"_ _5\"></span>erdien av penger og kredittrisikoen vanligv<span class=\"_ _5\"></span>is de viktigste delene av rent<span class=\"_ _5\"></span>en. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktels<span class=\"_ _5\"></span>er klassifiseres t<span class=\"_ _5\"></span>il amortisert<span class=\"_ _5\"></span> kost med <span class=\"_ _5\"></span>unntak av finans<span class=\"_ _5\"></span>ielle forpliktelser <span class=\"_ _5\"></span>som m\u00e5 m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">verdi over resultatet ell<span class=\"_ _5\"></span>er </span>er bestemt regnskapsf\u00f8rt<span class=\"_ _5\"></span> til virkelig verdi over resultatet.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kan ugjenkallelig bli bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangs<span class=\"_ _5\"></span>innregning hvis f\u00f8lgende kriteri<span class=\"_ _5\"></span>um er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Klassifi<span class=\"_ _5\"></span>seringen eliminerer eller i vesentl<span class=\"_ _5\"></span>ig grad reduserer en uoverensstemmelse i m\u00e5ling eller innregning som ellers vil<span class=\"_ _5\"></span>le ha oppst\u00e5tt ved </span></span>m\u00e5ling av eiendeler eller v<span class=\"_ _5\"></span>ed regnskapsf\u00f8ring av tilh\u00f8rende gevinster eller tap p\u00e5 ulikt grunnlag.<span class=\"_ _1c5\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser kan ogs\u00e5 ugjenkallel<span class=\"_ _5\"></span>ig bli bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> over res<span class=\"_ _5\"></span>ultatet ved f\u00f8rst<span class=\"_ _5\"></span>egangs</span>inn<span class=\"wsd2\">regning <span class=\"_ _5\"></span>hvis kriteriet </span></span>ovenfor ell<span class=\"_ _5\"></span>er en av f\u00f8lgende er op<span class=\"_ _1\"></span>pfy<span class=\"_ _5\"></span>lt: <span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De finansiell<span class=\"_ _5\"></span>e instrumentene er en del av en portef\u00f8lje som styres og vurderes p\u00e5 bakgrunn av virkelig verdi i samsvar med en</span> <span class=\"lsaf wscf\">dokumentert </span></span>risikoh\u00e5ndteri<span class=\"_ _5\"></span>ngs<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller investerings<span class=\"_ _5\"></span></span>strategi.<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Vertskont<span class=\"_ _5\"></span>rakten inneholder et eller flere innebygde derivater.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler, som ikke er bestemt regnskapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi over resultatet, er balansef\u00f8rt til amortisert<span class=\"_ _5\"></span> kost hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontrakts<span class=\"wsd2\">regulert<span class=\"_ _5\"></span>e kontant<span class=\"wscf\">str\u00f8m<span class=\"_ _5\"></span>mene.</span></span></span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rstegangsinnregning til virkelig v<span class=\"_ _5\"></span>erdi pluss direkte henf\u00f8r<span class=\"wscf\">bare </span>transaksj<span class=\"_ _5\"></span>onskostnader. Deretter m\u00e5les eiendelene til amort<span class=\"_ _5\"></span>isert kost ved bruk av effektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">metode, redus<span class=\"_ _5\"></span>ert med<span class=\"ls0 ws0\"> </span></span>eventuel<span class=\"_ _5\"></span>le nedskrivninger. Nedskrivninger og til<span class=\"_ _5\"></span>bakef\u00f8ringer av nedskrivninger bli<span class=\"_ _5\"></span>r m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>En endring i avsetning til forvent<span class=\"_ _5\"></span>ede kredittap for gjeldsinstrument<span class=\"_ _5\"></span>er balansef\u00f8rt til amortisert kost p\u00e5 balansedagen blir presentert<span class=\"_ _5\"></span> under \u00abNedskrivninger p\u00e5 finans<span class=\"_ _5\"></span>ielle instrumenter\u00bb i result<span class=\"_ _5\"></span>atregnskapet.<span class=\"ls0 ws0\"> </span>Renteinntekter f<span class=\"_ _5\"></span>ra finansielle instrumenter klassifisert<span class=\"_ _5\"></span> i denne kategorien presenteres under \u00abRenteinntekt, eff<span class=\"_ _5\"></span>ektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wscf\">metode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien best\u00e5r i hov<span class=\"_ _5\"></span>edsak av utl\u00e5n til kunder, kontanter og innskudd, fordringer, gjensalgs<span class=\"_ _5\"></span>avtaler og obligasjons<span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost er ved f\u00f8rstegangsinnregning regns<span class=\"_ _5\"></span>kapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi minus eventuelle direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Tilh\u00f8rende rent<span class=\"_ _5\"></span>e<span class=\"lsbd ws104\">kos<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span></span>nader presenteres som \u00abRentekostnad, effektiv<span class=\"_ _5\"></span> rente<span class=\"ls0 ws0\">-<span class=\"lsc3 ws114\">me</span></span><span class=\"wscf\">tode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien omfatter i<span class=\"_ _5\"></span>nnskudd fra kunder og kredittinstit<span class=\"_ _5\"></span>usjoner, gjenkj\u00f8psavtaler, utstedt<span class=\"_ _5\"></span>e sertifikater og obligasj<span class=\"_ _5\"></span>oner, ansvarlig l\u00e5nekapit<span class=\"_ _5\"></span>al og fondsobligasjonsl\u00e5n.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>nger i finansielle eiendeler, som ikke er bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt ti<span class=\"_ _5\"></span>l virkelig v<span class=\"_ _5\"></span>erdi over <span class=\"_ _5\"></span>resultatet, m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig verdi over <span class=\"_ _5\"></span>totalresultat<span class=\"_ _5\"></span>et </span></span>hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let b\u00e5de er \u00e5 holde eiendelene for \u00e5 motta de kon<span class=\"lsc4 ws115\">trakts<span class=\"_ _5\"></span></span><span class=\"wsd2\">regulerte kont<span class=\"_ _5\"></span>antstr\u00f8mmene </span></span></span>samt \u00e5 selge eien<span class=\"wscf\">delen.<span class=\"ls0 ws0\"> </span></span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet regnskapsf\u00f8<span class=\"_ _5\"></span>res ved f\u00f8rstegangsinnregning til virkeli<span class=\"_ _5\"></span>g verdi pluss direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Ett<span class=\"_ _5\"></span>erf\u00f8lgende verdim\u00e5ling er til virkelig verdi over t<span class=\"_ _5\"></span>otalresultatet. Endringer<span class=\"ls0 ws0\"> </span>i v<span class=\"_ _5\"></span>irkelig verdi regnskapsf\u00f8res i totalres<span class=\"_ _5\"></span>ultatet og akkumuleres i en separat komponent i egenkapitalen. Nedskrivninger og tilbak<span class=\"_ _5\"></span>ef\u00f8ringer av nedskrivninger, rentei<span class=\"_ _5\"></span>nntekter samt gevinster ell<span class=\"_ _5\"></span>er tap som f\u00f8lge av <span class=\"_ _1\"></span>valutaom<span class=\"_ _5\"></span>regning regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atet.<span class=\"ls0 ws0\"> </span>Ved fraregning av den finansielle ei<span class=\"_ _5\"></span>endelen resirkuleres gevinsten eller tapet, som er akkumulert i totalresult<span class=\"_ _5\"></span>atet, i resultatet og presenteres p\u00e5 linjen \u00abNetto gevinster p\u00e5 finans<span class=\"_ _5\"></span>ielle instr<span class=\"wsd2\">umenter <span class=\"_ _5\"></span>til virkeli<span class=\"_ _5\"></span>g verdi\u00bb. </span>Ned<span class=\"lsaf wsd2\">skrivni<span class=\"_ _5\"></span>nger og til<span class=\"_ _5\"></span>bakef\u00f8ringer<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">av nedskrivni<span class=\"_ _5\"></span>nger blir m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </span></span>modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>Denne kategorien omfatter en portef<span class=\"_ _5\"></span>\u00f8lje med obligasjons<span class=\"wscf\">inv<span class=\"_ _5\"></span>esteringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le instrumenter balansef\u00f8rt til virk<span class=\"_ _5\"></span>elig verdi over resultatet<span class=\"ls0 ws0\"> </span>F\u00f8lgende instrum<span class=\"_ _5\"></span>enter h\u00f8rer til denne kategorien:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">derivater</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">egenkapital<span class=\"_ _5\"></span>instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle trading instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle instrumenter s<span class=\"_ _5\"></span>om styres ti<span class=\"_ _5\"></span>l virkeli<span class=\"_ _5\"></span>g verdi</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle eiendeler med k<span class=\"_ _5\"></span>ontraktsregulert<span class=\"_ _5\"></span>e kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer som ikke kun representerer hovedstol og rente</span></span> </span>Instrument<span class=\"_ _5\"></span>er i denne kat<span class=\"_ _5\"></span>egorien regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rst<span class=\"_ _5\"></span>e<span class=\"wscf\">gangs<span class=\"wsf6\">innregning til vi<span class=\"_ _5\"></span>rkelig verdi. Tilh\u00f8rende transaksjonsk<span class=\"_ _5\"></span>ostnader inn</span></span>regnes i resultat<span class=\"_ _5\"></span>regnskapet n\u00e5r de oppst\u00e5r. Etterf\u00f8lgende m\u00e5l<span class=\"_ _5\"></span>ing er virkelig verdi med gevinster og tap regnskaps<span class=\"lsbc ws0\">f\u00f8rt i<span class=\"_ _1\"></span> r<span class=\"lsaf wscf\">esultatregnskapet.<span class=\"_ _1c5\"> </span></span></span>Endringer i virk<span class=\"_ _5\"></span>elig verdi p\u00e5 de finansielle instrumentene inng\u00e5r i \u00abNetto gevinster p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter til virkeli<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>verdi\u00bb i resultat<span class=\"_ _5\"></span>regnskapet. Endringer i virkelig verdi p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter innenfor livsf<span class=\"_ _5\"></span>orsikring inng\u00e5r i \u00abNetto forsikringsresul<span class=\"_ _5\"></span>tat\u00bb. Finansielle derivater pres<span class=\"_ _5\"></span>enteres som en eiendel n\u00e5r virkelig verdi er positiv og som en forpliktelse n\u00e5r virk<span class=\"_ _5\"></span>elig verdi er negativ.<span class=\"ls0 ws0\"> </span>Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader f<span class=\"_ _5\"></span>or renteb\u00e6rende instrumenter inklusive f<span class=\"_ _5\"></span>inansielle derivater inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, med<span class=\"ls0 ws0\"> </span>unntak av renteinntekt<span class=\"_ _5\"></span>er og<span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som h\u00f8rer til tradingportef\u00f8ljen.<span class=\"ls0 ws0\"> </span>Tradingportef\u00f8<span class=\"_ _5\"></span>ljen omfatter instrumenter,<span class=\"_ _5\"></span> som i hovedsak er anskaffet for \u00e5 <span class=\"_ _1\"></span>sel<span class=\"_ _5\"></span>ges eller kj\u00f8pes tilbake p\u00e5 kort sikt. Dette o<span class=\"ls0 ws0\">m</span>fatter finansielle derivater, aksj<span class=\"_ _5\"></span>er og obligasjonsportef\u00f8ljer. Rentei<span class=\"_ _5\"></span>nntekter og <span class=\"ls0 ws0\">-</span>kostnader for finansielle instrument<span class=\"_ _5\"></span>er i trad<span class=\"wscf\">ingporte</span>f\u00f8ljen inng\u00e5r i \u00abNetto gevinster p\u00e5 finansielle i<span class=\"_ _5\"></span>nstrumenter til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler bestemt regnskapsf\u00f8rt til virkel<span class=\"_ _5\"></span>ig verdi over resultatet ved f\u00f8rstegangsinnregning, omf<span class=\"_ _5\"></span>atter i hovedsak<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">obligasjoner og </span>boligl\u00e5n med fast rente i norske kroner. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser bestemt regnsk<span class=\"_ _5\"></span>apsf\u00f8rt til virkelig verdi over resultatet<span class=\"_ _5\"></span> ved f\u00f8rstegangsinnregning, omfatter i hove<span class=\"wsd2\">ds<span class=\"_ _5\"></span>ak innl\u00e5n med </span>rentebinding i norsk<span class=\"_ _5\"></span>e kroner. Endringen i virkelig verdi som kan henf\u00f8res til konsernets kredittrisiko er beregnet <span class=\"wscf\">gjen</span>nom<span class=\"_ _5\"></span> \u00e5 bruke kreditts<span class=\"_ _5\"></span>preadkurver fra Nordic Bond Pricing. Endringen i virkelig verdi som kan henf\u00f8<span class=\"_ _5\"></span>res til kredittrisiko p\u00e5 \u00f8vrige finansielle forplik<span class=\"_ _5\"></span>telser er begrenset <span class=\"_ _5\"></span>p\u00e5 grunn av <span class=\"_ _5\"></span>instrumentenes kort<span class=\"_ _5\"></span>siktige natur. E<span class=\"_ _5\"></span>ndringer i v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> som f\u00f8<span class=\"_ _5\"></span>lge <span class=\"wsf6\">av kredittrisiko p\u00e5 kons<span class=\"_ _5\"></span>ernets langsiktige innl\u00e5n i </span>norske kroner som er bestemt regnskapsf\u00f8rt til vi<span class=\"_ _5\"></span>rkelig verdi over resultatet verken skaper eller forverrer et regnsk<span class=\"_ _5\"></span>apsmessi<span class=\"lsbd ws117\">g m<span class=\"_ _5\"></span>is</span><span class=\"wsd2\">f<span class=\"_ _5\"></span>orhold og er </span>derfor skilt ut og regnskapsf<span class=\"_ _5\"></span>\u00f8rt i totalresultatet. Se endring i egenkapital for en presentasj<span class=\"_ _5\"></span>on av effektene.<span class=\"ls0 ws0\"> </span>Omklassifis<span class=\"_ _5\"></span>eringer<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler omklassifiseres kun hvis det er en vesentlig endring i virksom<span class=\"_ _5\"></span>hetsmodell for eiendelene. Det er forventet at slike endringer er sv\u00e6rt sjeldne. Finansiel<span class=\"_ _5\"></span>le forpliktelser om<span class=\"lsbd ws104\">k<span class=\"_ _5\"></span>las<span class=\"_ _5\"></span><span class=\"lsbf wsff\">sifis<span class=\"_ _1\"></span>eres<span class=\"_ _1\"></span> ikke<span class=\"_ _1\"></span>.<span class=\"_ _1c5\"> </span></span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Gjenkj\u00f8ps<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsd2\">og salgsavtaler <span class=\"ls0 ws0\"> </span></span>DNB inng\u00e5r gjenkj\u00f8ps<span class=\"lsc1 wsce\">- </span>og salgs<span class=\"_ _5\"></span>avtaler hvor verdipapirer kan bli l\u00e5nt eller solgt, med en betingelse om \u00e5 gjenkj\u00f8pe dem til en fast pris og p\u00e5 en forh\u00e5ndsbestem<span class=\"_ _5\"></span>t dato. Slike v<span class=\"_ _5\"></span>erdipapirer er i<span class=\"_ _5\"></span>kke fraregnet<span class=\"lsc4 ws115\">. </span>Tilsvarende,<span class=\"_ _5\"></span> hvor konsernet l\u00e5ner eller kj\u00f8per verdipapirer med en betingels<span class=\"_ _5\"></span>e om \u00e5 <span class=\"_ _1\"></span>selge diss<span class=\"_ _5\"></span>e tilbake (salgsavtaler), er ver<span class=\"wscf\">di</span>papirene ikke innregnet i balansen.<span class=\"ls0 ws0\"> </span>Verdipapirinnl\u00e5n og <span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">utl\u00e5n<span class=\"ls0 ws0\"> </span></span>Verdipapirinnl\u00e5ns<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">og utl\u00e5nstrans<span class=\"_ _5\"></span>aksjoner er inng\u00e5tt med basis i sikkerhetsstil<span class=\"_ _5\"></span>lelse. Kontanter gitt som sikkerhet er fraregnet fra bal<span class=\"_ _5\"></span>ansen, og<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">en </span></span></span>tilh\u00f8rende f<span class=\"_ _5\"></span>ordring er innregnet. Kontanter mottatt som sikkerhet er innregnet i balans<span class=\"_ _5\"></span>en, og en tilh\u00f8rende <span class=\"wscf\">for<span class=\"wsd2\">pliktelse for <span class=\"_ _5\"></span>tilbakelevering er </span></span>innregnet. V<span class=\"_ _5\"></span>erdipapirer l\u00e5nt ut forblir p\u00e5 balansen. L\u00e5nte verdipapirer er ikk<span class=\"_ _5\"></span>e balansef\u00f8rt som eiendeler. N\u00e5r l\u00e5nte verdipap<span class=\"wsd2\">irer <span class=\"_ _5\"></span>er solgt bl<span class=\"_ _5\"></span>ir et </span>bel\u00f8p tilsvarende den virk<span class=\"_ _5\"></span>elige verdien av verdipapirene innregnet<span class=\"_ _5\"></span> som e<span class=\"wsd2\">n forpliktelse.<span class=\"_ _1c5\"> </span></span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper <span class=\"ls0 ws0\"> </span>For inf<span class=\"_ _5\"></span>ormasjon om regnsk<span class=\"_ _5\"></span>apsprinsipper, s<span class=\"_ _5\"></span>e note K27 K<span class=\"_ _5\"></span>lassifikasjon av f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>instrumenter.<span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-394": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Innregning og fraregning<span class=\"ls0 ws0\"> </span>F\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter innregnes n\u00e5r konsernet blir part i instrumentets<span class=\"_ _5\"></span> kontraktsbestemmelser.<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>Finansielle eiendeler, med unntak av utl\u00e5n og forskudd til kunder, bl<span class=\"_ _5\"></span>ir i utgangspunktet innregnet p\u00e5 oppgj\u00f8rstids<span class=\"_ _5\"></span>punktet. Dette gjelder ogs\u00e5 ved alminnelig kj\u00f8<span class=\"_ _5\"></span>p eller salg av finansielle eiendeler (regular<span class=\"ls0 ws0\">-</span>way t<span class=\"_ _5\"></span>rades). Utl\u00e5n og forskudd til kunder innregnes n\u00e5r midler overf\u00f8<span class=\"_ _5\"></span>res til kundenes kontoer. Konsernet innregner innskudd fra kunder, gjeld til kreditt<span class=\"_ _5\"></span>institusjoner og verdipapirgjel<span class=\"_ _5\"></span>d n\u00e5r midler overf\u00f8res <span class=\"wsd2\">til kons<span class=\"_ _5\"></span>ernet.<span class=\"ls0 ws112\">  </span></span>Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span>En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span>beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span>Klassifis<span class=\"_ _5\"></span>ering og presentasjon<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kl<span class=\"_ _5\"></span>assifiseres i <span class=\"_ _5\"></span>en av f\u00f8l<span class=\"_ _5\"></span>gende m\u00e5lekategorier:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">amortis<span class=\"_ _5\"></span>ert kost</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over totalresultatet</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virk<span class=\"_ _5\"></span>elig verdi over resultatet</span> </span>Klassifis<span class=\"_ _5\"></span>eringen av finansielle eiendeler er avhengig av to faktorer:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">virksom<span class=\"_ _5\"></span>hetsmodellen for portef\u00f8ljen som den finansielle ei<span class=\"_ _5\"></span>endelen h\u00f8rer til</span> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">kjennetegnene til<span class=\"_ _5\"></span> den finansielle eiendelens kontrakts<span class=\"_ _5\"></span>regulerte kontantstr\u00f8mmer</span> </span>N\u00e5r virksomhetsmodel<span class=\"_ _5\"></span>len utarbeides, vurderer konsernet<span class=\"_ _5\"></span> for hver portef\u00f8lje hvordan virksomheten styres, salgsaktiv<span class=\"_ _5\"></span>iteter, risiko<span class=\"wsd2\">styri<span class=\"_ _5\"></span>ng samt </span>hvordan i<span class=\"_ _5\"></span>nformasjon formi<span class=\"_ _5\"></span>dles til ledels<span class=\"_ _5\"></span>en. Virksom<span class=\"wsf6\">hetsm<span class=\"_ _5\"></span>odellen er blitt vurdert for hvert forretningsomr\u00e5de. P<span class=\"_ _5\"></span>o<span class=\"lsc1 wsce\">rte</span></span>f\u00f8ljene s<span class=\"_ _5\"></span>om tilh\u00f8rer kundeomr\u00e5dene har en virksom<span class=\"_ _5\"></span>hetsmodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontraktsregulerte kontantst<span class=\"_ _5\"></span>r\u00f8mmene, mens det er flere ulike virks<span class=\"_ _5\"></span>omhetsmodeller for portef\u00f8ljene som h\u00f8rer ti<span class=\"_ _5\"></span>l produktomr\u00e5det DNB Carnegie og konsernomr\u00e5de<span class=\"lsd4 ws107\">t K</span><span class=\"wscf\">on<span class=\"_ _1\"></span>serntreas<span class=\"_ _5\"></span>ury.<span class=\"ls0 ws0\"> </span></span>Ved f\u00f8rstegangsi<span class=\"_ _5\"></span>nnregning av finansielle eiendeler bli<span class=\"_ _5\"></span>r det utf\u00f8rt en test av kjennetegnene til de kontraktsregulerte kontant<span class=\"lsc5 ws130\">st<span class=\"_ _5\"></span>r\u00f8m</span><span class=\"wscf\">mene. </span>Finansiel<span class=\"_ _5\"></span>le eiendeler med kontantstr\u00f8mmer som bare er betaling av hovedstol og rente, best\u00e5r testen hvis de kontrak<span class=\"_ _5\"></span><span class=\"lsbc ws103\">tu</span>elle kontantstr\u00f8mmene er forenlige med en grunnleggende l\u00e5neav<span class=\"_ _5\"></span>tale. I en grunnleggende l\u00e5neavtale er vederlag for tidsv<span class=\"_ _5\"></span>erdien av penger og kredittrisikoen vanligv<span class=\"_ _5\"></span>is de viktigste delene av rent<span class=\"_ _5\"></span>en. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktels<span class=\"_ _5\"></span>er klassifiseres t<span class=\"_ _5\"></span>il amortisert<span class=\"_ _5\"></span> kost med <span class=\"_ _5\"></span>unntak av finans<span class=\"_ _5\"></span>ielle forpliktelser <span class=\"_ _5\"></span>som m\u00e5 m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">verdi over resultatet ell<span class=\"_ _5\"></span>er </span>er bestemt regnskapsf\u00f8rt<span class=\"_ _5\"></span> til virkelig verdi over resultatet.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler kan ugjenkallelig bli bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangs<span class=\"_ _5\"></span>innregning hvis f\u00f8lgende kriteri<span class=\"_ _5\"></span>um er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21b\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Klassifi<span class=\"_ _5\"></span>seringen eliminerer eller i vesentl<span class=\"_ _5\"></span>ig grad reduserer en uoverensstemmelse i m\u00e5ling eller innregning som ellers vil<span class=\"_ _5\"></span>le ha oppst\u00e5tt ved </span></span>m\u00e5ling av eiendeler eller v<span class=\"_ _5\"></span>ed regnskapsf\u00f8ring av tilh\u00f8rende gevinster eller tap p\u00e5 ulikt grunnlag.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser kan ogs\u00e5 ugjenkallel<span class=\"_ _5\"></span>ig bli bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> over res<span class=\"_ _5\"></span>ultatet ved f\u00f8rst<span class=\"_ _5\"></span>egangs</span>inn<span class=\"wsd2\">regning <span class=\"_ _5\"></span>hvis kriteriet </span></span>ovenfor ell<span class=\"_ _5\"></span>er en av f\u00f8lgende er op<span class=\"_ _1\"></span>pfy<span class=\"_ _5\"></span>lt: <span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De finansiell<span class=\"_ _5\"></span>e instrumentene er en del av en portef\u00f8lje som styres og vurderes p\u00e5 bakgrunn av virkelig verdi i samsvar med en</span> <span class=\"lsaf wscf\">dokumentert </span></span>risikoh\u00e5ndteri<span class=\"_ _5\"></span>ngs<span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">eller investerings<span class=\"_ _5\"></span></span>strategi.<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Vertskont<span class=\"_ _5\"></span>rakten inneholder et eller flere innebygde derivater.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler, som ikke er bestemt regnskapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi over resultatet, er balansef\u00f8rt til amortisert<span class=\"_ _5\"></span> kost hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let er \u00e5 holde eiendelene for \u00e5 motta de kontrakts<span class=\"wsd2\">regulert<span class=\"_ _5\"></span>e kontant<span class=\"wscf\">str\u00f8m<span class=\"_ _5\"></span>mene.</span></span></span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler balansef\u00f8rt til amortisert kost regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rstegangsinnregning til virkelig v<span class=\"_ _5\"></span>erdi pluss direkte henf\u00f8r<span class=\"wscf\">bare </span>transaksj<span class=\"_ _5\"></span>onskostnader. Deretter m\u00e5les eiendelene til amort<span class=\"_ _5\"></span>isert kost ved bruk av effektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">metode, redus<span class=\"_ _5\"></span>ert med<span class=\"ls0 ws0\"> </span></span>eventuel<span class=\"_ _5\"></span>le nedskrivninger. Nedskrivninger og til<span class=\"_ _5\"></span>bakef\u00f8ringer av nedskrivninger bli<span class=\"_ _5\"></span>r m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>En endring i avsetning til forvent<span class=\"_ _5\"></span>ede kredittap for gjeldsinstrument<span class=\"_ _5\"></span>er balansef\u00f8rt til amortisert kost p\u00e5 balansedagen blir presentert<span class=\"_ _5\"></span> under \u00abNedskrivninger p\u00e5 finans<span class=\"_ _5\"></span>ielle instrumenter\u00bb i result<span class=\"_ _5\"></span>atregnskapet.<span class=\"ls0 ws0\"> </span>Renteinntekter f<span class=\"_ _5\"></span>ra finansielle instrumenter klassifisert<span class=\"_ _5\"></span> i denne kategorien presenteres under \u00abRenteinntekt, eff<span class=\"_ _5\"></span>ektiv rente<span class=\"ls0 ws0\">-</span><span class=\"wscf\">metode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien best\u00e5r i hov<span class=\"_ _5\"></span>edsak av utl\u00e5n til kunder, kontanter og innskudd, fordringer, gjensalgs<span class=\"_ _5\"></span>avtaler og obligasjons<span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser balansef\u00f8rt til<span class=\"_ _5\"></span> amortisert kost er ved f\u00f8rstegangsinnregning regns<span class=\"_ _5\"></span>kapsf\u00f8rt til virkeli<span class=\"_ _5\"></span>g verdi minus eventuelle direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Tilh\u00f8rende rent<span class=\"_ _5\"></span>e<span class=\"lsbd ws104\">kos<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span></span>nader presenteres som \u00abRentekostnad, effektiv<span class=\"_ _5\"></span> rente<span class=\"ls0 ws0\">-<span class=\"lsc3 ws114\">me</span></span><span class=\"wscf\">tode\u00bb.<span class=\"ls0 ws0\"> </span></span>Denne kategorien omfatter i<span class=\"_ _5\"></span>nnskudd fra kunder og kredittinstit<span class=\"_ _5\"></span>usjoner, gjenkj\u00f8psavtaler, utstedt<span class=\"_ _5\"></span>e sertifikater og obligasj<span class=\"_ _5\"></span>oner, ansvarlig l\u00e5nekapit<span class=\"_ _5\"></span>al og fondsobligasjonsl\u00e5n.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>nger i finansielle eiendeler, som ikke er bestemt regn<span class=\"wscf\">skaps<span class=\"wsd2\">f\u00f8rt ti<span class=\"_ _5\"></span>l virkelig v<span class=\"_ _5\"></span>erdi over <span class=\"_ _5\"></span>resultatet, m\u00e5les <span class=\"_ _5\"></span>til virk<span class=\"_ _5\"></span>elig verdi over <span class=\"_ _5\"></span>totalresultat<span class=\"_ _5\"></span>et </span></span>hvis begge f\u00f8lgende kriteri<span class=\"_ _5\"></span>er er oppfylt:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene omfattes av en virksomhet<span class=\"_ _5\"></span>smodell der form\u00e5let b\u00e5de er \u00e5 holde eiendelene for \u00e5 motta de kon<span class=\"lsc4 ws115\">trakts<span class=\"_ _5\"></span></span><span class=\"wsd2\">regulerte kont<span class=\"_ _5\"></span>antstr\u00f8mmene </span></span></span>samt \u00e5 selge eien<span class=\"wscf\">delen.<span class=\"ls0 ws0\"> </span></span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">De kontraktsregulert<span class=\"_ _5\"></span>e kontantstr\u00f8mmene best\u00e5r kun av betaling av hovedst<span class=\"_ _5\"></span>ol og renter.</span> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler m\u00e5lt til virkelig verdi over total<span class=\"_ _5\"></span>resultatet regnskapsf\u00f8<span class=\"_ _5\"></span>res ved f\u00f8rstegangsinnregning til virkeli<span class=\"_ _5\"></span>g verdi pluss direkte henf\u00f8rbare trans<span class=\"_ _5\"></span>aksjonskostnader. Ett<span class=\"_ _5\"></span>erf\u00f8lgende verdim\u00e5ling er til virkelig verdi over t<span class=\"_ _5\"></span>otalresultatet. Endringer<span class=\"ls0 ws0\"> </span>i v<span class=\"_ _5\"></span>irkelig verdi regnskapsf\u00f8res i totalres<span class=\"_ _5\"></span>ultatet og akkumuleres i en separat komponent i egenkapitalen. Nedskrivninger og tilbak<span class=\"_ _5\"></span>ef\u00f8ringer av nedskrivninger, rentei<span class=\"_ _5\"></span>nntekter samt gevinster ell<span class=\"_ _5\"></span>er tap som f\u00f8lge av <span class=\"_ _1\"></span>valutaom<span class=\"_ _5\"></span>regning regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atet.<span class=\"ls0 ws0\"> </span>Ved fraregning av den finansielle ei<span class=\"_ _5\"></span>endelen resirkuleres gevinsten eller tapet, som er akkumulert i totalresult<span class=\"_ _5\"></span>atet, i resultatet og presenteres p\u00e5 linjen \u00abNetto gevinster p\u00e5 finans<span class=\"_ _5\"></span>ielle instr<span class=\"wsd2\">umenter <span class=\"_ _5\"></span>til virkeli<span class=\"_ _5\"></span>g verdi\u00bb. </span>Ned<span class=\"lsaf wsd2\">skrivni<span class=\"_ _5\"></span>nger og til<span class=\"_ _5\"></span>bakef\u00f8ringer<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">av nedskrivni<span class=\"_ _5\"></span>nger blir m\u00e5lt basert p\u00e5 en modell hvor forventede kredittap fordeles p\u00e5 tre grupper. Denne </span></span>modellen er beskrevet under M\u00e5li<span class=\"_ _5\"></span>ng av forventede kredittap.<span class=\"ls0 ws0\"> </span>Denne kategorien omfatter en portef<span class=\"_ _5\"></span>\u00f8lje med obligasjons<span class=\"wscf\">inv<span class=\"_ _5\"></span>esteringer.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le instrumenter balansef\u00f8rt til virk<span class=\"_ _5\"></span>elig verdi over resultatet<span class=\"ls0 ws0\"> </span>F\u00f8lgende instrum<span class=\"_ _5\"></span>enter h\u00f8rer til denne kategorien:<span class=\"ls0 ws0\"> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">derivater</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">egenkapital<span class=\"_ _5\"></span>instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle trading instrumenter</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle instrumenter s<span class=\"_ _5\"></span>om styres ti<span class=\"_ _5\"></span>l virkeli<span class=\"_ _5\"></span>g verdi</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter bestemt regnskapsf\u00f8<span class=\"_ _5\"></span>rt til virkelig verdi over resultatet ved f\u00f8rstegangsinnregni<span class=\"_ _5\"></span>ng</span> </span><span class=\"ff21e\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">finansi<span class=\"_ _5\"></span>elle eiendeler med k<span class=\"_ _5\"></span>ontraktsregulert<span class=\"_ _5\"></span>e kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer som ikke kun representerer hovedstol og rente</span></span> </span>Instrument<span class=\"_ _5\"></span>er i denne kat<span class=\"_ _5\"></span>egorien regnskapsf<span class=\"_ _5\"></span>\u00f8res ved f\u00f8rst<span class=\"_ _5\"></span>e<span class=\"wscf\">gangs<span class=\"wsf6\">innregning til vi<span class=\"_ _5\"></span>rkelig verdi. Tilh\u00f8rende transaksjonsk<span class=\"_ _5\"></span>ostnader inn</span></span>regnes i resultat<span class=\"_ _5\"></span>regnskapet n\u00e5r de oppst\u00e5r. Etterf\u00f8lgende m\u00e5l<span class=\"_ _5\"></span>ing er virkelig verdi med gevinster og tap regnskaps<span class=\"lsbc ws0\">f\u00f8rt i<span class=\"_ _1\"></span> r<span class=\"lsaf wscf\">esultatregnskapet.<span class=\"_ _1c5\"> </span></span></span><span class=\"lsbc ws0\"><span class=\"ls0\"> </span></span>Endringer i virk<span class=\"_ _5\"></span>elig verdi p\u00e5 de finansielle instrumentene inng\u00e5r i \u00abNetto gevinster p\u00e5 finansi<span class=\"_ _5\"></span>elle instrumenter til virkeli<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>verdi\u00bb i resultat<span class=\"_ _5\"></span>regnskapet. Endringer i virkelig verdi p\u00e5 finansiel<span class=\"_ _5\"></span>le instrumenter innenfor livsf<span class=\"_ _5\"></span>orsikring inng\u00e5r i \u00abNetto forsikringsresul<span class=\"_ _5\"></span>tat\u00bb. Finansielle derivater pres<span class=\"_ _5\"></span>enteres som en eiendel n\u00e5r virkelig verdi er positiv og som en forpliktelse n\u00e5r virk<span class=\"_ _5\"></span>elig verdi er negativ.<span class=\"ls0 ws0\"> </span>Renteinntekter og <span class=\"ls0 ws0\">-</span>kostnader f<span class=\"_ _5\"></span>or renteb\u00e6rende instrumenter inklusive f<span class=\"_ _5\"></span>inansielle derivater inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, med<span class=\"ls0 ws0\"> </span>unntak av renteinntekt<span class=\"_ _5\"></span>er og<span class=\"ls0 ws0\">-</span>kostnader fra finansiell<span class=\"_ _5\"></span>e instrumenter som h\u00f8rer til tradingportef\u00f8ljen.<span class=\"ls0 ws0\"> </span>Tradingportef\u00f8<span class=\"_ _5\"></span>ljen omfatter instrumenter,<span class=\"_ _5\"></span> som i hovedsak er anskaffet for \u00e5 <span class=\"_ _1\"></span>sel<span class=\"_ _5\"></span>ges eller kj\u00f8pes tilbake p\u00e5 kort sikt. Dette o<span class=\"ls0 ws0\">m</span>fatter finansielle derivater, aksj<span class=\"_ _5\"></span>er og obligasjonsportef\u00f8ljer. Rentei<span class=\"_ _5\"></span>nntekter og <span class=\"ls0 ws0\">-</span>kostnader for finansielle instrument<span class=\"_ _5\"></span>er i trad<span class=\"wscf\">ingporte</span>f\u00f8ljen inng\u00e5r i \u00abNetto gevinster p\u00e5 finansielle i<span class=\"_ _5\"></span>nstrumenter til virkelig verdi\u00bb.<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler bestemt regnskapsf\u00f8rt til virkel<span class=\"_ _5\"></span>ig verdi over resultatet ved f\u00f8rstegangsinnregning, omf<span class=\"_ _5\"></span>atter i hovedsak<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">obligasjoner og </span>boligl\u00e5n med fast rente i norske kroner. <span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser bestemt regnsk<span class=\"_ _5\"></span>apsf\u00f8rt til virkelig verdi over resultatet<span class=\"_ _5\"></span> ved f\u00f8rstegangsinnregning, omfatter i hove<span class=\"wsd2\">ds<span class=\"_ _5\"></span>ak innl\u00e5n med </span>rentebinding i norsk<span class=\"_ _5\"></span>e kroner. Endringen i virkelig verdi som kan henf\u00f8res til konsernets kredittrisiko er beregnet <span class=\"wscf\">gjen</span>nom<span class=\"_ _5\"></span> \u00e5 bruke kreditts<span class=\"_ _5\"></span>preadkurver fra Nordic Bond Pricing. Endringen i virkelig verdi som kan henf\u00f8<span class=\"_ _5\"></span>res til kredittrisiko p\u00e5 \u00f8vrige finansielle forplik<span class=\"_ _5\"></span>telser er begrenset <span class=\"_ _5\"></span>p\u00e5 grunn av <span class=\"_ _5\"></span>instrumentenes kort<span class=\"_ _5\"></span>siktige natur. E<span class=\"_ _5\"></span>ndringer i v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> som f\u00f8<span class=\"_ _5\"></span>lge <span class=\"wsf6\">av kredittrisiko p\u00e5 kons<span class=\"_ _5\"></span>ernets langsiktige innl\u00e5n i </span>norske kroner som er bestemt regnskapsf\u00f8rt til vi<span class=\"_ _5\"></span>rkelig verdi over resultatet verken skaper eller forverrer et regnsk<span class=\"_ _5\"></span>apsmessi<span class=\"lsbd ws117\">g m<span class=\"_ _5\"></span>is</span><span class=\"wsd2\">f<span class=\"_ _5\"></span>orhold og er </span>derfor skilt ut og regnskapsf<span class=\"_ _5\"></span>\u00f8rt i totalresultatet. Se endring i egenkapital for en presentasj<span class=\"_ _5\"></span>on av effektene.<span class=\"ls0 ws0\"> </span>Omklassifis<span class=\"_ _5\"></span>eringer<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler omklassifiseres kun hvis det er en vesentlig endring i virksom<span class=\"_ _5\"></span>hetsmodell for eiendelene. Det er Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Gjenkj\u00f8ps<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsd2\">og salgsavtaler <span class=\"ls0 ws0\"> </span></span>DNB inng\u00e5r gjenkj\u00f8ps<span class=\"lsc1 wsce\">- </span>og salgs<span class=\"_ _5\"></span>avtaler hvor verdipapirer kan bli l\u00e5nt eller solgt, med en betingelse om \u00e5 gjenkj\u00f8pe dem til en fast pris og p\u00e5 en forh\u00e5ndsbestem<span class=\"_ _5\"></span>t dato. Slike v<span class=\"_ _5\"></span>erdipapirer er i<span class=\"_ _5\"></span>kke fraregnet<span class=\"lsc4 ws115\">. </span>Tilsvarende,<span class=\"_ _5\"></span> hvor konsernet l\u00e5ner eller kj\u00f8per verdipapirer med en betingels<span class=\"_ _5\"></span>e om \u00e5 <span class=\"_ _1\"></span>selge diss<span class=\"_ _5\"></span>e tilbake (salgsavtaler), er ver<span class=\"wscf\">di</span>papirene ikke innregnet i balansen.<span class=\"ls0 ws0\"> </span>Verdipapirinnl\u00e5n og <span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">utl\u00e5n<span class=\"ls0 ws0\"> </span></span>Verdipapirinnl\u00e5ns<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">og utl\u00e5nstrans<span class=\"_ _5\"></span>aksjoner er inng\u00e5tt med basis i sikkerhetsstil<span class=\"_ _5\"></span>lelse. Kontanter gitt som sikkerhet er fraregnet fra bal<span class=\"_ _5\"></span>ansen, og<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">en </span></span></span>tilh\u00f8rende f<span class=\"_ _5\"></span>ordring er innregnet. Kontanter mottatt som sikkerhet er innregnet i balans<span class=\"_ _5\"></span>en, og en tilh\u00f8rende <span class=\"wscf\">for<span class=\"wsd2\">pliktelse for <span class=\"_ _5\"></span>tilbakelevering er </span></span>innregnet. V<span class=\"_ _5\"></span>erdipapirer l\u00e5nt ut forblir p\u00e5 balansen. L\u00e5nte verdipapirer er ikk<span class=\"_ _5\"></span>e balansef\u00f8rt som eiendeler. N\u00e5r l\u00e5nte verdipap<span class=\"wsd2\">irer <span class=\"_ _5\"></span>er solgt bl<span class=\"_ _5\"></span>ir et </span>bel\u00f8p tilsvarende den virk<span class=\"_ _5\"></span>elige verdien av verdipapirene innregnet<span class=\"_ _5\"></span> som e<span class=\"wsd2\">n forpliktelse.<span class=\"_ _1c5\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-396": {
   "value": "Fraregning av finans<span class=\"_ _5\"></span>ielle eiendeler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le eiendeler fraregnes n\u00e5r retten til \u00e5 motta kontantstr\u00f8mmene fra de finansielle ei<span class=\"_ _5\"></span>endelene har utl\u00f8pt, n\u00e5r foretaket har overf\u00f8rt praktisk talt alle risikoer og f<span class=\"_ _5\"></span>ordeler ved eierskap eller hvis endringer f\u00f8rer til fraregning.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Konsernet inng\u00e5r transaks<span class=\"_ _5\"></span>joner som inneb\u00e6rer at balansef\u00f8<span class=\"_ _5\"></span>rte eiendeler overf\u00f8res til motpart, men hvor deler av eller all risiko og avkastning knyttet til eiersk<span class=\"_ _5\"></span>apet av den overf\u00f8rte eiendelen beholdes av konsernet. Hvis det vesent<span class=\"_ _5\"></span>ligste av risiko og avkastning er beholdt, fraregnes ikk<span class=\"_ _5\"></span>e den finansielle eiendelen. <span class=\"ls0 ws0\"> </span>En endring vil f\u00f8re til fraregning dersom endri<span class=\"_ _5\"></span>ngen er vesentlig. En vesentlig endring er vanligvis forbundet med en full kre<span class=\"lsc4 ws115\">ditt<span class=\"_ _5\"></span></span><span class=\"wscf\">prosess, </span>beslutni<span class=\"_ _5\"></span>ng av ny pris og <span class=\"_ _1\"></span>signering av ny kontrakt<span class=\"_ _5\"></span>. En endring som knytter seg til restrukturering av en kunde i finansielle problemer vil i de flest<span class=\"_ _5\"></span>e tilfeller ikk<span class=\"_ _5\"></span>e resultere i fraregning og innregning av et nytt finansielt instrument etters<span class=\"_ _5\"></span>om de endrede kontantstr\u00f8mmene normalt reflekterer de forventede k<span class=\"_ _5\"></span>ontantstr\u00f8mmene f\u00f8<span class=\"_ _5\"></span>r restrukturering.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Fraregning av<span class=\"_ _5\"></span> finansi<span class=\"_ _5\"></span>elle forpliktelser<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le forpliktelser fraregnes n\u00e5r de kontraktsm<span class=\"_ _5\"></span>essige betingelsene er innfridd, kansel<span class=\"_ _5\"></span>lert eller utl\u00f8pt.<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-464": {
   "value": "<div class=\"gsd3\"><table class=\"s w36c h4f7\" id=\"_77147711-5923-4e5e-93de-cb24f1a092cf\"><tr><td class=\"c x400 y4222 w10c h139\"><div class=\"t m2 x19f hd1 y2193 ff229 fs55 fc21 sc0 lsaf wsf6\">Per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4c3 y4223 w160 hd7\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Obligato<span class=\"_ _5\"></span>risk vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y4223 w6e hd7\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">Bestemt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x4c4 y4224 w6e h165\"><div class=\"t m2 x4f hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">regnsk<span class=\"_ _5\"></span>aps<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4224 w6e h165\"><div class=\"t m2 x19e hcc y200f ff22a fs53 fc21 sc0 lsa7 wsc9\">Virkelig<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x4c4 y4225 w6e hd7\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 lsaa ws0\">f\u00f8rt til<span class=\"ls0\"> </span></div></td><td class=\"c x4c5 y4225 w6e hd7\"><div class=\"t m2 x1e4 hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">verdi ov<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4225 w6f hd7\"><div class=\"t m2 x1bb hcc y200f ff22a fs53 fc21 sc0 lsb2 wsf1\">Amorti<span class=\"_ _5\"></span>sert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4225 w6e hd7\"><div class=\"t m2 x19e hcc y200f ff22a fs53 fc21 sc0 lsb2 wsf1\">Bokf\u00f8rt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4226 w10c hd7\"><div class=\"t m2 x19f hd8 y200f ff22b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4226 w6e hd7\"><div class=\"t m2 x1b9 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">Trading <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x48c y4228 w36d h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig</div><div class=\"t m2 x4c6 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c8 y4228 w36e h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi</div><div class=\"t m2 x4c7 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c5 y4226 w6e hd7\"><div class=\"t m2 x1e5 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">totalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ca y4228 w36f h4f8\"><div class=\"t m2 x3f4 hcc y3edf ff22a fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x4c9 h121 y4227 ff22a fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x494 y4226 w6e hd7\"><div class=\"t m2 x246 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">verdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4229 w10c h11f\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x493 y4229 w6f h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4229 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>780<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422a w10c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y422a w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span>809<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y422a w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">111<span class=\"ls0 ws0\"> </span>809<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422b w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y422b w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>198<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y422b w6f hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">357</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y422b w6e hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">403</span> <span class=\"lsab wscb\">34<span class=\"_ _5\"></span>0</span> </div></td></tr><tr><td class=\"c x400 y422c w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y422c w6e hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>072<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422c w6f hdb\"><div class=\"t m2 x0 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">275<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">191<span class=\"ls0 ws0\"> </span>237<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>132<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y422c w6f hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>585<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y422c w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">529<span class=\"ls0 ws0\"> </span>301<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422d w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4c3 y422d w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">969</span> </div></td><td class=\"c x4cb y422d w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span>082<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422d w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>051<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422e w10c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422e w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422e w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">239<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y422f w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y422f w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">89<span class=\"ls0 ws0\"> </span>916<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y422f w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>923<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y422f w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4230 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x493 y4230 w6f hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>536<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4230 w6e hdb\"><div class=\"t m2 x1ba hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>536<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4231 w10c h11f\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span>956<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y4231 w6f h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">282<span class=\"ls0 ws0\"> </span>382<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>435<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4231 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">293<span class=\"ls0 ws0\"> </span>132<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4231 w6f h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">670</span> <span class=\"lsab wscb\">85<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y4231 w6e h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">610</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x400 y4232 w10c hd9\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4232 w6e hd9\"><div class=\"t m2 x1b6 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">4 </div></td><td></td><td class=\"c x4c4 y4232 w6e hd9\"><div class=\"t m2 xf9 hcc y1da9 ff22a fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4232 w6f hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">330<span class=\"ls0 ws0\"> </span>635<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4232 w6e hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">330<span class=\"ls0 ws0\"> </span>635<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4233 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4233 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>819<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4233 w6f hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">483</span> <span class=\"lsab wscb\">05<span class=\"_ _5\"></span>3</span> </div></td><td class=\"c x494 y4233 w6e hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">521</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>2</span> </div></td></tr><tr><td class=\"c x400 y4234 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wscd\">Gjeld, k<span class=\"_ _5\"></span>under <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4cb y4234 w6f hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y4234 w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">245<span class=\"ls0 ws0\"> </span>788<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4235 w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4235 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">84<span class=\"ls0 ws0\"> </span>865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y4235 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>170<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x494 y4235 w6e hda\"><div class=\"t m2 x247 hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4236 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4236 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">267</span> </div></td><td></td><td class=\"c x493 y4236 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">781<span class=\"ls0 ws0\"> </span>897<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4236 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4237 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c3 y4237 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">076</span> </div></td><td></td><td></td><td></td><td class=\"c x493 y4237 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>355<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4237 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">37<span class=\"ls0 ws0\"> </span>431<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4238 w10c hdb\"><div class=\"t m2 x19f hcc y200f ff22a fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4238 w6e hdb\"><div class=\"t m2 x248 hcc y200f ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">769</span> </div></td><td></td><td class=\"c x493 y4238 w6f hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">110<span class=\"ls0 ws0\"> </span>707<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4238 w6e hdb\"><div class=\"t m2 x247 hcc y200f ff22a fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4239 w10c hda\"><div class=\"t m2 x19f hcc y1db0 ff22a fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c4 y4239 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff22a fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">123</span> </div></td><td></td><td class=\"c x493 y4239 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>903<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4239 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff22a fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x40f y423a w370 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff22a fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell <span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4cc h121 y3ebb ff22a fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4c3 y423b w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>944<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cb y423b w6f hd9\"><div class=\"t m2 x247 hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span>959<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c4 y423b w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff22a fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y423b w6f hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">776</span> <span class=\"lsab wscb\">55<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x494 y423b w6e hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff22a fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">173</span> <span class=\"lsab wscb\">42<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x3f6 y3ead w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y3ead w371 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>ater b<span class=\"_ _5\"></span>rukt som<span class=\"_ _5\"></span> sikrin<span class=\"_ _5\"></span>gsi<span class=\"_ _5\"></span>nstrument<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y423c w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y423c w372 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Fo<span class=\"_ _5\"></span>r finansi<span class=\"_ _5\"></span>elle <span class=\"_ _5\"></span>forplikt<span class=\"_ _5\"></span>elser b<span class=\"_ _5\"></span>estem<span class=\"_ _5\"></span>t reg<span class=\"_ _5\"></span>nskapsf<span class=\"_ _5\"></span>\u00f8rt til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span> er en<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>n i kre<span class=\"_ _5\"></span>dittris<span class=\"_ _5\"></span>iko pr<span class=\"_ _5\"></span>esent<span class=\"_ _5\"></span>ert i tot<span class=\"_ _5\"></span>alresul<span class=\"_ _5\"></span>ta<span class=\"lsd5 ws87\">tet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x422 y423d w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x423 y423d w373 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>udert si<span class=\"_ _5\"></span>kre<span class=\"_ _5\"></span>de eiendel<span class=\"_ _5\"></span>er og<span class=\"_ _5\"></span> forpli<span class=\"_ _5\"></span>ktel<span class=\"_ _5\"></span>ser som<span class=\"_ _5\"></span> er und<span class=\"_ _5\"></span>erlagt s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x422 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscb\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x423 y3e64 w374 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22b fs53 fc21 sc0 lsab wscd\">Kont<span class=\"_ _5\"></span>raktsm<span class=\"_ _5\"></span>essig <span class=\"_ _5\"></span>forplik<span class=\"_ _5\"></span>telse <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsiel<span class=\"_ _5\"></span>l gjeld be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span> utgjo<span class=\"_ _5\"></span>rde til s<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>en 47 21<span class=\"_ _5\"></span>5 mil<span class=\"_ _5\"></span>lioner<span class=\"_ _5\"></span> kroner.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><table class=\"s w375 h4f9\" id=\"_bac1f648-f5bf-4c3d-9c41-c51fc4d17067\"><tr><td class=\"c x425 y423e w10c hd7\"><div class=\"t m2 x19f hd1 y1da9 ff22d fs55 fc21 sc0 lsaf wsf6\">Per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4cd y423f w160 hd7\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Obligato<span class=\"_ _5\"></span>risk vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y423f w6e hd7\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">Bestemt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x46b y4240 w6e h13b\"><div class=\"t m2 x4f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">regnsk<span class=\"_ _5\"></span>aps<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y4240 w6f h13b\"><div class=\"t m2 x19e hcc y1da9 ff22c fs53 fc21 sc0 lsa7 wsc9\">Virkelig<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x46b y4241 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 lsaa ws0\">f\u00f8rt til<span class=\"ls0\"> </span></div></td><td class=\"c x46c y4241 w6f hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">verdi ov<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y4241 w6e hd7\"><div class=\"t m2 x1bb hcc y1da9 ff22c fs53 fc21 sc0 lsb2 wsf1\">Amorti<span class=\"_ _5\"></span>sert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4241 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff22c fs53 fc21 sc0 lsb2 wsf1\">Bokf\u00f8rt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4242 w10c hd7\"><div class=\"t m2 x19f hd8 y1da9 ff22e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4242 w6f hd7\"><div class=\"t m2 x1b9 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">Trading <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cf y4243 w376 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig</div><div class=\"t m2 x4ce h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4d1 y4243 w377 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsab wscd\">virkeli<span class=\"_ _5\"></span>g verdi</div><div class=\"t m2 x4d0 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46c y4242 w6f hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">totalres<span class=\"_ _5\"></span>ultatet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d3 y4243 w378 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 ls0 ws0\">kost</div><div class=\"t m2 x4d2 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46d y4242 w6e hd7\"><div class=\"t m2 x246 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">verdi<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4244 w10c hd9\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y4244 w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4244 w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">147<span class=\"ls0 ws0\"> </span>944<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4245 w10c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x44e y4245 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">165<span class=\"ls0 ws0\"> </span>563<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4245 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">165<span class=\"ls0 ws0\"> </span>563<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4246 w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4246 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">53<span class=\"ls0 ws0\"> </span>432<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4246 w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">198</span> <span class=\"lsab wscb\">08<span class=\"_ _5\"></span>1</span> </div></td><td class=\"c x46d y4246 w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">251</span> <span class=\"lsab wscb\">51<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x425 y4247 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4247 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>782<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4247 w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y4247 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">257<span class=\"ls0 ws0\"> </span>208<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y4247 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>145<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y4247 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4247 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">574<span class=\"ls0 ws0\"> </span>896<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4248 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4cd y4248 w6f hdb\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">230</span> </div></td><td class=\"c x4d4 y4248 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>878<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4248 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span>107<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4249 w10c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4249 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>419<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4249 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>419<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424a w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y424a w6f hda\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span>529<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y424a w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y424a w6e hda\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424b w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Andre ei<span class=\"_ _5\"></span>endele<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y424b w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y424b w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424c w10c hd9\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y424c w6f hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>541<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y424c w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">240<span class=\"ls0 ws0\"> </span>085<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y424c w6e hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">310<span class=\"ls0 ws0\"> </span>639<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y424c w6f hd9\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">274<span class=\"ls0 ws0\"> </span>145<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y424c w6e hd9\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">556</span> <span class=\"lsab wscb\">28<span class=\"_ _5\"></span>7</span> </div></td><td class=\"c x46d y424c w6e hd9\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">538</span> <span class=\"lsab wscb\">69<span class=\"_ _5\"></span>8</span> </div></td></tr><tr><td class=\"c x425 y424d w10c hd9\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x44e y424d w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>089<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y424d w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">237<span class=\"ls0 ws0\"> </span>089<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y424e w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y424e w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span>621<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y424e w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">447</span> <span class=\"lsab wscb\">14<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x46d y424e w6e hda\"><div class=\"t m2 x1e4 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">76<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x425 y424f w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wscd\">Gjeld, k<span class=\"_ _5\"></span>under <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4d4 y424f w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y424f w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">202<span class=\"ls0 ws0\"> </span>255<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4250 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4250 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">98<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4250 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>092<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y4250 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4251 w10c hdb\"><div class=\"t m2 x19f hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4251 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">740</span> </div></td><td></td><td class=\"c x44e y4251 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">851<span class=\"ls0 ws0\"> </span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4251 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">854<span class=\"ls0 ws0\"> </span>765<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4252 w10c hda\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Annen gj<span class=\"_ _5\"></span>eld<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y4252 w6f hda\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td><td></td><td></td><td></td><td class=\"c x44e y4252 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">57<span class=\"ls0 ws0\"> </span>466<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4252 w6e hda\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>225<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4253 w10c hde\"><div class=\"t m2 x19f hcc y1da9 ff22c fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4253 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">776</span> </div></td><td></td><td class=\"c x44e y4253 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>708<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4253 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff22c fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y4254 w10c hdb\"><div class=\"t m2 x19f hcc y1dae ff22c fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x46b y4254 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff22c fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td></td><td class=\"c x44e y4254 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>169<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y4254 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff22c fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4255 w379 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff22c fs53 fc21 sc0 lsab wscd\">Sum fina<span class=\"_ _5\"></span>nsiell <span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4d5 h121 y3ebb ff22c fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y4256 w6f hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>699<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y4256 w6e hd9\"><div class=\"t m2 x247 hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span>347<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y4256 w6e hd9\"><div class=\"t m2 x1ba hcc y1db0 ff22c fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>237<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4256 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">745</span> <span class=\"lsab wscb\">59<span class=\"_ _5\"></span>9</span> </div></td><td class=\"c x46d y4256 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff22c fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">114</span> <span class=\"lsab wscb\">88<span class=\"_ _5\"></span>1</span> </div></td></tr><tr><td class=\"c x3f6 y4173 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff22e fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4173 w37a h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff22e fs53 fc21 sc0 lsab wscd\">Inklu<span class=\"_ _5\"></span>derer<span class=\"_ _5\"></span> deriv<span class=\"_ _5\"></span>ater bruk<span class=\"_ _5\"></span>t som s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4174 w2d6 h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4174 w37b h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 lsab wscd\">For fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>elle for<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser b<span class=\"_ _5\"></span>estem<span class=\"_ _5\"></span>t reg<span class=\"_ _5\"></span>nskapsf<span class=\"_ _5\"></span>\u00f8rt til vi<span class=\"_ _5\"></span>rkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>er en<span class=\"_ _5\"></span>dringe<span class=\"_ _5\"></span>n i kre<span class=\"_ _5\"></span>dittrisi<span class=\"_ _5\"></span>ko pr<span class=\"_ _5\"></span>esent<span class=\"_ _5\"></span>ert i tot<span class=\"_ _5\"></span>alresul<span class=\"_ _5\"></span>ta<span class=\"lsd5 ws87\">tet.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3eae w37c h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscb\">Inklu<span class=\"_ _5\"></span>der<span class=\"wscd\">t si<span class=\"_ _5\"></span>krede <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er og<span class=\"_ _5\"></span> forplik<span class=\"_ _5\"></span>tel<span class=\"_ _5\"></span>ser som<span class=\"_ _5\"></span> er und<span class=\"_ _5\"></span>erlagt si<span class=\"_ _5\"></span>krin<span class=\"_ _5\"></span>gsbokf<span class=\"_ _5\"></span>\u00f8ring</span></span>.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w37d h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff22e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Kontr<span class=\"_ _5\"></span>aktsme<span class=\"_ _5\"></span>ssig <span class=\"_ _5\"></span>forplikt<span class=\"_ _5\"></span>else <span class=\"_ _5\"></span>av fina<span class=\"_ _5\"></span>nsiell<span class=\"_ _5\"></span> gjeld be<span class=\"_ _5\"></span>stemt <span class=\"_ _5\"></span>regnsk<span class=\"_ _5\"></span>apsf\u00f8<span class=\"_ _5\"></span>rt til vi<span class=\"_ _5\"></span>rkelig<span class=\"_ _5\"></span> verdi u<span class=\"_ _5\"></span>tgjord<span class=\"_ _5\"></span>e til s<span class=\"_ _5\"></span>ammen <span class=\"_ _5\"></span>47</span> <span class=\"lsab wscd\">629 m<span class=\"_ _5\"></span>illio<span class=\"_ _5\"></span>ner kr<span class=\"_ _5\"></span>oner.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Motregning<span class=\"ls0 ws0\"> </span>Masternett<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">avtaler, sikrede posisjoner ell<span class=\"_ _5\"></span>er tilsvarende avtaler gir rett til motregning ved mislighol<span class=\"_ _5\"></span>d. En slik avtale reduserer konsernets </span>eksponering v<span class=\"_ _5\"></span>ed mislig<span class=\"wsf6\">hold, m<span class=\"_ _5\"></span>en <span class=\"_ _1\"></span>er ikke p\u00e5 egen h\u00e5nd tilstrekk<span class=\"_ _5\"></span>elig for \u00e5 tilfredsstille kravene ett<span class=\"_ _5\"></span>er IFRS for<span class=\"ls0 ws0\"> </span>motregning i balansen, siden det </span>ogs\u00e5 er et krav om at<span class=\"ls0 ws0\"> </span>det foreligger en juridisk h\u00e5ndhevbar rett, og at<span class=\"ls0 ws0\"> </span>m<span class=\"_ _5\"></span>an l\u00f8pende har til hensikt \u00e5 gj\u00f8re opp kontrakts<span class=\"wscf\">messige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer netto. <span class=\"ls0 ws0\"> </span>Tabellen viser potens<span class=\"_ _5\"></span>iell effekt av konsernets motregningsavtaler p\u00e5 finans<span class=\"_ _5\"></span>ielle eiendeler og gjeld. <span class=\"ls0 ws0\"> </span><table class=\"s w385 h501\" id=\"_2e331ccc-04be-4f92-897c-f22142bfe5b2\"><tr><td></td><td class=\"c x4cd y42c4 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">Brutto <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42c4 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p som<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x46d y42c4 w6e hd7\"><div class=\"t m2 x4f hcc y1da9 ff253 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p ett<span class=\"_ _5\"></span>er <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4cd y42c5 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">balanse<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x4d4 y42c5 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">motregne<span class=\"_ _5\"></span>s <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42c5 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x46c y42c5 w6f hd7\"><div class=\"t m2 x1b9 hcc y1da9 ff253 fs53 fc21 sc0 lsaa wscd\">Netting<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x44e y42c5 w6e hd7\"><div class=\"t m2 x1b8 hcc y1da9 ff253 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42c5 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">mulige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42c6 w10c hd7\"><div class=\"t m2 x19f hd8 y1da9 ff255 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4cd y42c6 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsb2 wsf2\">f\u00f8rt ve<span class=\"_ _5\"></span>rdi <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4e1 y42c7 w386 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">i balans<span class=\"_ _5\"></span>en</div><div class=\"t m2 x4e0 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46b y42c6 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff253 fs53 fc21 sc0 lsb2 wsf2\">f\u00f8rt ve<span class=\"_ _5\"></span>rdi <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42c6 w6f hd7\"><div class=\"t m2 x20e hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">avtaler <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4e3 y42c7 w387 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscb\">sikkerhet</div><div class=\"t m2 x4e2 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x46d y42c6 w6e hd7\"><div class=\"t m2 xd9 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">nettoo<span class=\"_ _5\"></span>ppgj\u00f8r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42c8 w10c h119\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dab ff254 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y42c9 w388 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e4 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42ca w6f hde\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>849<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42ca w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>849<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42ca w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>849<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42cb w389 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner</div><div class=\"t m2 x4e5 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42cc w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span>158<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42cc w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42cc w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">93<span class=\"ls0 ws0\"> </span>790<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42cc w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">93<span class=\"ls0 ws0\"> </span>790<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42cd w38a h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e6 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42ce w6f hda\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42ce w6e hda\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42ce w6e hda\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">320<span class=\"ls0 ws0\"> </span>172<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42cf w38b h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d0 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42d0 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">101<span class=\"ls0 ws0\"> </span>839<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42d0 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>476<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42d0 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>888<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42d0 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>475<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42d1 w10c h119\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dab ff254 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y42d2 w38c h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x4e8 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d3 w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">211<span class=\"ls0 ws0\"> </span>369<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42d3 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42d3 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">161<span class=\"ls0 ws0\"> </span>000<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42d3 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff253 fs53 fc21 sc0 lsab wscb\">161<span class=\"ls0 ws0\"> </span>000<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42d4 w38d h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under</div><div class=\"t m2 x4e9 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d5 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>707<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42d5 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>707<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42d5 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>707<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42d6 w38b h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42d7 w6f hda\"><div class=\"t m2 x247 hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42d7 w6e hda\"><div class=\"t m2 x247 hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">102<span class=\"ls0 ws0\"> </span>035<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42d7 w6f hda\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>476<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42d7 w6e hda\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42d7 w6e hda\"><div class=\"t m2 x1ba hcc y1dc1 ff253 fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>030<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42d8 w10c h11e\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dab ff254 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y42d9 w388 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Kontant<span class=\"_ _5\"></span>er og f<span class=\"_ _5\"></span>ordri<span class=\"_ _5\"></span>nger p\u00e5 s<span class=\"_ _5\"></span>entral<span class=\"_ _5\"></span>bank<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e4 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42da w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff253 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x46b y42da w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff253 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">096</span> </div></td><td></td><td class=\"c x44e y42da w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff253 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">096</span> </div></td><td></td></tr><tr><td class=\"c x46f y42db w389 h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l og fo<span class=\"_ _5\"></span>rdrin<span class=\"_ _5\"></span>ger p\u00e5 kr<span class=\"_ _5\"></span>editti<span class=\"_ _5\"></span>nstitusj<span class=\"_ _5\"></span>oner</div><div class=\"t m2 x4e5 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42dc w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">206<span class=\"ls0 ws0\"> </span>034<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42dc w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>879<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42dc w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>155<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42dc w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">157<span class=\"ls0 ws0\"> </span>155<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42dd w38a h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4e6 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42de w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span>311<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42de w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span>311<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42de w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">249<span class=\"ls0 ws0\"> </span>311<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42df w38b h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e0 w6f hda\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42e0 w6e hda\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>144<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42e0 w6f hda\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>357<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42e0 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>663<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42e0 w6e hda\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">43<span class=\"ls0 ws0\"> </span>124<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y42e1 w10c h11e\" colspan=\"2\"><div class=\"t m2 x19f hd1 y1dc8 ff254 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x46f y4140 w38c h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Gjeld ti<span class=\"_ _5\"></span>l kredit<span class=\"_ _5\"></span>tinsti<span class=\"_ _5\"></span>tusjone<span class=\"_ _5\"></span>r</div><div class=\"t m2 x4e8 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e2 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">135<span class=\"ls0 ws0\"> </span>550<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d4 y42e2 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>879<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46b y42e2 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>671<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42e2 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">86<span class=\"ls0 ws0\"> </span>671<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42e3 w38d h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under</div><div class=\"t m2 x4e9 h121 y3e5e ff253 fs58 fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e4 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>491<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42e4 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>491<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y42e4 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff253 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>491<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x46f y42e5 w38b h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff253 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater</div><div class=\"t m2 x4e7 h121 y3ebb ff253 fs58 fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4cd y42e6 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x46b y42e6 w6e hde\"><div class=\"t m2 x247 hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">117<span class=\"ls0 ws0\"> </span>032<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46c y42e6 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>357<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x44e y42e6 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>709<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y42e6 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff253 fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>965<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4144 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y4144 w38e h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Kom<span class=\"_ _5\"></span>binerte<span class=\"_ _5\"></span> gjenkj<span class=\"_ _5\"></span>\u00f8ps<span class=\"lsb2 wsf1\">- </span>o<span class=\"_ _5\"></span>g gjens<span class=\"_ _5\"></span>algs<span class=\"_ _5\"></span>avtaler m<span class=\"_ _5\"></span>ed f<span class=\"_ _5\"></span>orm\u00e5l om<span class=\"_ _5\"></span> \u00e5 utv<span class=\"_ _5\"></span>eksle<span class=\"_ _5\"></span> underli<span class=\"_ _5\"></span>ggende <span class=\"_ _5\"></span>sikke<span class=\"_ _5\"></span>rhet.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4173 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x421 y4173 w38f h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Inkl<span class=\"_ _5\"></span>uderer<span class=\"_ _5\"></span> konta<span class=\"_ _5\"></span>nter <span class=\"_ _5\"></span>og verdi<span class=\"_ _5\"></span>papir<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> er mott<span class=\"_ _5\"></span>att/ove<span class=\"_ _5\"></span>rf\u00f8rt f<span class=\"_ _5\"></span>ra/til m<span class=\"_ _5\"></span>otpa<span class=\"_ _5\"></span>rt og v<span class=\"_ _5\"></span>erdipapi<span class=\"_ _5\"></span>rer som<span class=\"_ _5\"></span> er m<span class=\"_ _5\"></span>ottatt/<span class=\"_ _5\"></span>avgitt s<span class=\"_ _5\"></span>om si<span class=\"_ _5\"></span>kkerhet i<span class=\"_ _5\"></span> oppgj\u00f8r<span class=\"_ _5\"></span>ssentr<span class=\"_ _5\"></span>al.<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4146 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x4c2 y4146 w390 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Inkluderer gje<span class=\"_ _5\"></span>nkj<span class=\"_ _5\"></span>\u00f8psavtal<span class=\"_ _5\"></span>er og gj<span class=\"_ _5\"></span>ens<span class=\"_ _5\"></span>algsavtal<span class=\"_ _5\"></span>er, ve<span class=\"_ _5\"></span>rdipapi<span class=\"_ _5\"></span>rinnl<span class=\"_ _5\"></span>\u00e5n og u<span class=\"_ _5\"></span>tl\u00e5n m<span class=\"_ _5\"></span>ed sik<span class=\"_ _5\"></span>kerhet<span class=\"_ _5\"></span> i verdi<span class=\"_ _5\"></span>papire<span class=\"_ _5\"></span>r.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3ea2 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscb\">4<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x421 y3ea2 w391 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">Brutt<span class=\"_ _5\"></span>o bal<span class=\"_ _5\"></span>ansef\u00f8r<span class=\"_ _5\"></span>t verdi<span class=\"_ _5\"></span> av fi<span class=\"_ _5\"></span>nansiell<span class=\"_ _5\"></span>e deriv<span class=\"_ _5\"></span>ater v<span class=\"_ _5\"></span>iser m<span class=\"_ _5\"></span>arkeds<span class=\"_ _5\"></span>verdi<span class=\"_ _5\"></span>en av deri<span class=\"_ _5\"></span>va<span class=\"_ _5\"></span>tkontrak<span class=\"_ _5\"></span>ter omfa<span class=\"_ _5\"></span>ttet av<span class=\"_ _5\"></span> motr<span class=\"_ _5\"></span>egning<span class=\"_ _5\"></span>savtal<span class=\"_ _5\"></span>er eller si<span class=\"_ _5\"></span>kret<span class=\"_ _5\"></span> med kont<span class=\"_ _5\"></span>anter<span class=\"_ _5\"></span> og ve<span class=\"_ _5\"></span>rdi<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x42c y3e64 w392 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff255 fs53 fc21 sc0 lsab wscd\">papire<span class=\"_ _5\"></span>r under C<span class=\"_ _5\"></span>redit S<span class=\"_ _5\"></span>upp<span class=\"_ _5\"></span>ort Ann<span class=\"_ _5\"></span>ex.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td></tr></table>Note K30 Mo<span class=\"_ _1\"></span>tregning<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-397": {
   "value": "<div class=\"c w111 h13a gs186\"><div class=\"t m2 x248 hcf y1f7d ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2b4b ff23a fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b4c ff239 fs55 fc21 sc0 lsaf wsd2\">Fastsettelse <span class=\"_ _5\"></span>av virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b4d ff239 fs55 fc21 sc0 lsaf wsf6\">Virkel<span class=\"_ _5\"></span>ig verdi er den pris som <span class=\"_ _1\"></span>vil<span class=\"_ _5\"></span>le blitt oppn\u00e5dd ved salg av en eiendel eller betalt for \u00e5 overf\u00f8re en forpliktels<span class=\"_ _5\"></span>e i en velordnet transaksjon </div><div class=\"t m2 x248 hcf y2b4e ff239 fs55 fc21 sc0 lsaf wsd2\">mellom m<span class=\"_ _5\"></span>arkedsdeltakere p\u00e5 m<span class=\"_ _5\"></span>\u00e5letidspunktet. F<span class=\"_ _5\"></span>inan<span class=\"wsf6\">sielle eiendel<span class=\"_ _5\"></span>er og forpliktelser i aktive markeder verdsett<span class=\"_ _5\"></span>es til den prisen som er innenfor </span></div><div class=\"t m2 x248 hcf y2b4f ff239 fs55 fc21 sc0 lsbf ws107\">kj\u00f8p<span class=\"_ _1\"></span>skur<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-<span class=\"lsaf wscf\">/salgskurs<span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">marginen, og som er mest representativ for virkelig verdi p\u00e5 m\u00e5letidspunktet<span class=\"_ _5\"></span>. I de fleste tilfeller utgj\u00f8r kj\u00f8ps<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>algskurser </span></span></span></div><div class=\"t m2 x248 hcf y2b50 ff239 fs55 fc21 sc0 lsaf wsf6\">for disse instrument<span class=\"_ _5\"></span>ene den mest <span class=\"_ _1\"></span>represent<span class=\"_ _5\"></span>ative prisen for henholdsvis ei<span class=\"_ _5\"></span><span class=\"wsd2\">endeler og for<span class=\"lsbe ws10b\">p<span class=\"_ _5\"></span>lik<span class=\"_ _5\"></span>t</span><span class=\"wscf\">elser. <span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x248 he2 y2b51 ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b52 ff239 fs55 fc21 sc0 lsaf wsf6\">Direkte observ<span class=\"_ _5\"></span>erbare priser i markedet brukes i s\u00e5 stor utstrekning som mulig til \u00e5 fastsette virkelig verdi. Verdsettels<span class=\"_ _5\"></span>ene for de ulike typene </div><div class=\"t m2 x248 hcf y2b53 ff239 fs55 fc21 sc0 lsaf wsf6\">finansi<span class=\"_ _5\"></span>elle instrumenter er basert p\u00e5 anerkjente metoder og modeller. Prisene og inputparamet<span class=\"_ _5\"></span>erne som benyttes, kontrolleres og vurderes </div><div class=\"t m2 x248 hcf y2b54 ff239 fs55 fc21 sc0 lsaf wsf6\">basert p\u00e5 etablerte rutiner og kont<span class=\"_ _5\"></span>rollprosedyrer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2b55 ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b56 ff239 fs55 fc21 sc0 lsaf wsf6\">Kontrollmil<span class=\"_ _5\"></span>j\u00f8et knyttet til virkelig verdim\u00e5li<span class=\"_ _5\"></span>ng av finansielle instrumenter er en integrert del av selskapets regnsk<span class=\"_ _5\"></span>aps<span class=\"lsc1 wsce\">rap</span><span class=\"wscf\">por</span>tering.<span class=\"_ _5\"></span> Det utf\u00f8res en </div><div class=\"t m2 x248 hcf y2b57 ff239 fs55 fc21 sc0 lsaf wsf6\">rekke kontroller p\u00e5 dagli<span class=\"_ _5\"></span>g basis, herunder kontroll av dag \u00e9n gevinst eller tap p\u00e5 handlede posisjoner samt kontroll av input<span class=\"_ _5\"></span>parameter som er </div><div class=\"t m2 x248 hcf y2b58 ff239 fs55 fc21 sc0 lsaf wsf6\">sentrale i verdsettelsen.<span class=\"_ _5\"></span> Ved m\u00e5neds og k<span class=\"_ _1\"></span>vart<span class=\"_ _5\"></span>alsslutt blir det utf\u00f8rt utvidede kont<span class=\"_ _5\"></span>roller for \u00e5 sikre at verdsettelsene er i tr\u00e5d med prinsippene for </div><div class=\"t m2 x248 hcf y2b59 ff239 fs55 fc21 sc0 lsaf wsf6\">m\u00e5ling av virkelig verdi i<span class=\"_ _5\"></span>nklusive endringsanalyser. Det gis spesiell oppmerk<span class=\"_ _5\"></span>somhet til verdsettelser i niv\u00e5 3 i verdsettelses<span class=\"_ _5\"></span>hierarkiet der </div><div class=\"t m2 x248 hcf y2b5a ff239 fs55 fc21 sc0 lsaf wsf6\">effektene kan v\u00e6re vesentlige el<span class=\"_ _5\"></span>ler s\u00e6rlig utfordrende. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b5b ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y2b5c ff23b fs55 fc21 sc0 lsaf wsf6\">Instrument<span class=\"_ _5\"></span>er som omsettes i et aktivt marked <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y26cf ff239 fs55 fc21 sc0 lsaf wsf6\">For instrument<span class=\"_ _5\"></span>er som handles i et aktivt marked, benyttes den noterte prisen innhentet fra enten en b\u00f8rs, en megler eller et <span class=\"lsbe ws10b\">pris<span class=\"_ _5\"></span></span><span class=\"wscf\">settingsbyr\u00e5.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y2b5d ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b5e ff239 fs55 fc21 sc0 lsaf wsf6\">Markedet er aktivt dersom det er mulig \u00e5 framskaffe eksterne observerbare pris<span class=\"_ _5\"></span>er, kurser eller renter og disse prisene repre<span class=\"wscf\">sen<span class=\"wsd2\">terer f<span class=\"_ _5\"></span>aktiske <span class=\"_ _5\"></span>og </span></span></div><div class=\"t m2 x248 hcf y2b5f ff239 fs55 fc21 sc0 lsaf wsf6\">hyppige markedstrans<span class=\"_ _5\"></span>aksjoner.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b60 ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h183 y2b61 ff23b fs55 fc21 sc0 lsaf wsf6\">Instrument<span class=\"_ _5\"></span>er som ikke omsettes i et aktivt marked<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b62 ff239 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter som ikke omsettes i aktive markeder, verdsettes bas<span class=\"_ _5\"></span>ert p\u00e5 ulike verdsettelsesteknikk<span class=\"_ _5\"></span>er og deles inn i to <span class=\"_ _1\"></span>kat<span class=\"_ _5\"></span>egorier:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2b63 ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b64 ff239 fs55 fc21 sc0 lsaf wsf6\">Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 observerbare markedsdata:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b65 ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">nylig observ<span class=\"_ _5\"></span>erte transaksjoner i det aktuelle instrumentet mellom inf<span class=\"_ _5\"></span>ormerte, villige og uavhengige parter</span> </span></div><div class=\"t m2 x248 hcf y2b66 ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter handlet i et aktivt marked som substansielt er likt det instrumentet som verdsettes</span> </span></div><div class=\"t m2 x248 hcf y2b67 ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">andre verdsettels<span class=\"_ _5\"></span>esteknikker hvor de vesentligste parametrene er basert<span class=\"_ _5\"></span> p\u00e5 observerbare markedsdata</span> </span></div><div class=\"t m2 x248 he2 y2b68 ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b69 ff239 fs55 fc21 sc0 lsaf wsf6\">Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 annet enn observerbare markedsdata:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b6a ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">estimert<span class=\"_ _5\"></span>e kontantstr\u00f8mmer</span> </span></div><div class=\"t m2 x248 hcf y2b6b ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">vurdering av eiendeler og gj<span class=\"_ _5\"></span>eld i selskaper</span> </span></div><div class=\"t m2 x248 hcf y2b6c ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">modeller hv<span class=\"_ _5\"></span>or vesentlige parameter ikke er basert p\u00e5 observerbare markedsdata </span> </span></div><div class=\"t m2 x248 hcf y2b6d ff23c fs55 fc21 sc0 ls0 ws0\"><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">eventuell<span class=\"_ _5\"></span>e bransjestandarder</span> </span></div><div class=\"t m2 x248 hcf y2b6e ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b6f ff239 fs55 fc21 sc0 lsaf wsf6\">I verdsettelsen av OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater er det en justering av virkelig verdi for motpartens kredittris<span class=\"_ _5\"></span>iko (CVA) og for konsernets egen kredittrisiko </div><div class=\"t m2 x248 hcf y2b70 ff239 fs55 fc21 sc0 lsaf wsf6\">(DVA). I tillegg er det en justering for den forventede finans<span class=\"_ _5\"></span>ieringskostnaden (FVA). Justeringer er foretatt<span class=\"_ _5\"></span> basert p\u00e5 nettoeksponeringen mot </div><div class=\"t m2 x248 hcf y2b71 ff239 fs55 fc21 sc0 lsaf wsf6\">hver motpart for CVA og DVA, samt mot finansieringsgrupper for FVA. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2b72 ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b73 ff239 fs55 fc21 sc0 lsaf wsf6\">Konsernet estim<span class=\"_ _5\"></span>erer CVA som en funksjon av en simulert forventet positiv eksponering, sannsynli<span class=\"_ _5\"></span>gheten for motpartens mislighold (probabili<span class=\"_ _5\"></span>ty </div><div class=\"t m2 x248 hcf y2b74 ff239 fs55 fc21 sc0 lsaf wsf6\">of default, PD) og tapsgrad gitt mislighol<span class=\"_ _5\"></span>d (loss given default, LGD). Intern rating er kombinert med historiske spreader fra credit default<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2b75 ff239 fs55 fc21 sc0 lsaf wsf6\">swapper (CDS), samt gjel<span class=\"_ _5\"></span>dende CDS<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">indekspriser for <span class=\"_ _5\"></span>\u00e5 estimere mot<span class=\"_ _5\"></span></span>partens CDS<span class=\"ls0 ws0\">-</span>spread. Dett<span class=\"_ _5\"></span>e betyr at <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet utnytter sine egne </div><div class=\"t m2 x248 hcf y2b76 ff239 fs55 fc21 sc0 lsaf wsf6\">kredittmodel<span class=\"_ _5\"></span>ler og deres range<span class=\"ls0 ws0\">r</span>ingsevne, men kalibrerer mot prisniv\u00e5er for til<span class=\"lsc5 ws130\">sv<span class=\"_ _5\"></span>ar</span><span class=\"wsd2\">ende kredit<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">r</span></span>isiko i markedet. For kunder klassifisert i gruppe 3 </div><div class=\"t m2 x248 hcf y2b77 ff239 fs55 fc21 sc0 lsaf wsf6\">p\u00e5 grunn av forventet kredittap, er CVA beregnet som om derivatene var gjenstand for nedskriv<span class=\"_ _5\"></span>ning som f\u00f8lge av kredittap. DVA<span class=\"ls0 ws0\"> </span>er basert p\u00e5 </div><div class=\"t m2 x248 hcf y2b78 ff239 fs55 fc21 sc0 lsaf wsf6\">samme tiln\u00e6rming som CVA, der en vurdering av DNBs kredittspread<span class=\"ls0 ws0\"> </span>er brukt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2b79 ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b7a ff239 fs55 fc21 sc0 lsaf wsf6\">FVA gjenspeiler n\u00e5v<span class=\"_ _5\"></span>erdien av forventet framtidig finansi<span class=\"_ _5\"></span>eringskostnad knyttet til eksponeri<span class=\"_ _5\"></span>ngen for usikrede derivater. Den beregnes ved \u00e5 an<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y2b7b ff239 fs55 fc21 sc0 lsaf wsf6\">vende en finansieri<span class=\"_ _5\"></span>ngsmargin over den forventede eksponeringen. Det beregnes ikke finansierings<span class=\"_ _5\"></span>fordel for de posisjoner det er beregnet DVA </div><div class=\"t m2 x248 hcf y2b7c ff239 fs55 fc21 sc0 lsbc ws103\">for. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2b7d ff239 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b7e ff239 fs55 fc21 sc0 lsaf wsf6\">For finansiell<span class=\"_ _5\"></span>e instrumenter som m\u00e5les ved bruk av en verdsettelsesteknikk, kan en gevinst eller et tap fra tid til annen oppst\u00e5 n\u00e5r den estimerte </div><div class=\"t m2 x248 hcf y2b7f ff239 fs55 fc21 sc0 lsaf wsf6\">virkelige verdien er f<span class=\"_ _5\"></span>orskjellig fra transaksjons<span class=\"_ _5\"></span>prisen. N\u00e5r m\u00e5lingen er basert p\u00e5 ikke<span class=\"ls0 ws0\">-</span>observerbare input<span class=\"wscf\">para</span>meter (niv\u00e5 3), er gevinst<span class=\"_ _5\"></span>en eller </div><div class=\"t m2 x248 hcf y2b80 ff239 fs55 fc21 sc0 lsaf wsf6\">tapet utsatt og derfor ikke innregnet p\u00e5 dag \u00e9n. Endringer i virkelig verdi p\u00e5 et senere tids<span class=\"_ _5\"></span>punkt er kun innregnet i den grad dette skyldes forhold </div><div class=\"t m2 x248 hcf y2b81 ff239 fs55 fc21 sc0 lsaf wsf6\">som markedsakt\u00f8rer vil<span class=\"_ _5\"></span>le tatt i betraktning.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2b82 ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b83 ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2b84 ff239 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xcf hd6 y2b85 ff23a fs5 fc21 sc0 ls0 ws0\"> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-465": {
   "value": "Note K29 Finansielle ins<span class=\"_ _1\"></span>trumenter til virk<span class=\"_ _1\"></span>elig verdi<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Fastsettelse <span class=\"_ _5\"></span>av virk<span class=\"_ _5\"></span>elig verdi<span class=\"ls0 ws0\"> </span>Virkel<span class=\"_ _5\"></span>ig verdi er den pris som <span class=\"_ _1\"></span>vil<span class=\"_ _5\"></span>le blitt oppn\u00e5dd ved salg av en eiendel eller betalt for \u00e5 overf\u00f8re en forpliktels<span class=\"_ _5\"></span>e i en velordnet transaksjon mellom m<span class=\"_ _5\"></span>arkedsdeltakere p\u00e5 m<span class=\"_ _5\"></span>\u00e5letidspunktet. F<span class=\"_ _5\"></span>inan<span class=\"wsf6\">sielle eiendel<span class=\"_ _5\"></span>er og forpliktelser i aktive markeder verdsett<span class=\"_ _5\"></span>es til den prisen som er innenfor </span>kj\u00f8p<span class=\"_ _1\"></span>skur<span class=\"_ _1\"></span>s<span class=\"ls0 ws0\">-<span class=\"lsaf wscf\">/salgskurs<span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">marginen, og som er mest representativ for virkelig verdi p\u00e5 m\u00e5letidspunktet<span class=\"_ _5\"></span>. I de fleste tilfeller utgj\u00f8r kj\u00f8ps<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>algskurser </span></span></span>for disse instrument<span class=\"_ _5\"></span>ene den mest <span class=\"_ _1\"></span>represent<span class=\"_ _5\"></span>ative prisen for henholdsvis ei<span class=\"_ _5\"></span><span class=\"wsd2\">endeler og for<span class=\"lsbe ws10b\">p<span class=\"_ _5\"></span>lik<span class=\"_ _5\"></span>t</span><span class=\"wscf\">elser. <span class=\"ls0 ws0\"> </span></span></span>Direkte observ<span class=\"_ _5\"></span>erbare priser i markedet brukes i s\u00e5 stor utstrekning som mulig til \u00e5 fastsette virkelig verdi. Verdsettels<span class=\"_ _5\"></span>ene for de ulike typene finansi<span class=\"_ _5\"></span>elle instrumenter er basert p\u00e5 anerkjente metoder og modeller. Prisene og inputparamet<span class=\"_ _5\"></span>erne som benyttes, kontrolleres og vurderes basert p\u00e5 etablerte rutiner og kont<span class=\"_ _5\"></span>rollprosedyrer.<span class=\"ls0 ws0\"> </span>Kontrollmil<span class=\"_ _5\"></span>j\u00f8et knyttet til virkelig verdim\u00e5li<span class=\"_ _5\"></span>ng av finansielle instrumenter er en integrert del av selskapets regnsk<span class=\"_ _5\"></span>aps<span class=\"lsc1 wsce\">rap</span><span class=\"wscf\">por</span>tering.<span class=\"_ _5\"></span> Det utf\u00f8res en rekke kontroller p\u00e5 dagli<span class=\"_ _5\"></span>g basis, herunder kontroll av dag \u00e9n gevinst eller tap p\u00e5 handlede posisjoner samt kontroll av input<span class=\"_ _5\"></span>parameter som er sentrale i verdsettelsen.<span class=\"_ _5\"></span> Ved m\u00e5neds og k<span class=\"_ _1\"></span>vart<span class=\"_ _5\"></span>alsslutt blir det utf\u00f8rt utvidede kont<span class=\"_ _5\"></span>roller for \u00e5 sikre at verdsettelsene er i tr\u00e5d med prinsippene for m\u00e5ling av virkelig verdi i<span class=\"_ _5\"></span>nklusive endringsanalyser. Det gis spesiell oppmerk<span class=\"_ _5\"></span>somhet til verdsettelser i niv\u00e5 3 i verdsettelses<span class=\"_ _5\"></span>hierarkiet der effektene kan v\u00e6re vesentlige el<span class=\"_ _5\"></span>ler s\u00e6rlig utfordrende. <span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som omsettes i et aktivt marked <span class=\"ls0 ws0\"> </span>For instrument<span class=\"_ _5\"></span>er som handles i et aktivt marked, benyttes den noterte prisen innhentet fra enten en b\u00f8rs, en megler eller et <span class=\"lsbe ws10b\">pris<span class=\"_ _5\"></span></span><span class=\"wscf\">settingsbyr\u00e5.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span>Markedet er aktivt dersom det er mulig \u00e5 framskaffe eksterne observerbare pris<span class=\"_ _5\"></span>er, kurser eller renter og disse prisene repre<span class=\"wscf\">sen<span class=\"wsd2\">terer f<span class=\"_ _5\"></span>aktiske <span class=\"_ _5\"></span>og </span></span>hyppige markedstrans<span class=\"_ _5\"></span>aksjoner.<span class=\"ls0 ws0\"> </span>Instrument<span class=\"_ _5\"></span>er som ikke omsettes i et aktivt marked<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter som ikke omsettes i aktive markeder, verdsettes bas<span class=\"_ _5\"></span>ert p\u00e5 ulike verdsettelsesteknikk<span class=\"_ _5\"></span>er og deles inn i to <span class=\"_ _1\"></span>kat<span class=\"_ _5\"></span>egorier:<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">nylig observ<span class=\"_ _5\"></span>erte transaksjoner i det aktuelle instrumentet mellom inf<span class=\"_ _5\"></span>ormerte, villige og uavhengige parter</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">instrum<span class=\"_ _5\"></span>enter handlet i et aktivt marked som substansielt er likt det instrumentet som verdsettes</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">andre verdsettels<span class=\"_ _5\"></span>esteknikker hvor de vesentligste parametrene er basert<span class=\"_ _5\"></span> p\u00e5 observerbare markedsdata</span> </span>Verdsettels<span class=\"_ _5\"></span>e basert p\u00e5 annet enn observerbare markedsdata:<span class=\"ls0 ws0\"> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">estimert<span class=\"_ _5\"></span>e kontantstr\u00f8mmer</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">vurdering av eiendeler og gj<span class=\"_ _5\"></span>eld i selskaper</span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">modeller hv<span class=\"_ _5\"></span>or vesentlige parameter ikke er basert p\u00e5 observerbare markedsdata </span> </span><span class=\"ff239\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">eventuell<span class=\"_ _5\"></span>e bransjestandarder</span> </span>I verdsettelsen av OTC<span class=\"ls0 ws0\">-</span>deriv<span class=\"_ _5\"></span>ater er det en justering av virkelig verdi for motpartens kredittris<span class=\"_ _5\"></span>iko (CVA) og for konsernets egen kredittrisiko (DVA). I tillegg er det en justering for den forventede finans<span class=\"_ _5\"></span>ieringskostnaden (FVA). Justeringer er foretatt<span class=\"_ _5\"></span> basert p\u00e5 nettoeksponeringen mot hver motpart for CVA og DVA, samt mot finansieringsgrupper for FVA. <span class=\"ls0 ws0\"> </span>Konsernet estim<span class=\"_ _5\"></span>erer CVA som en funksjon av en simulert forventet positiv eksponering, sannsynli<span class=\"_ _5\"></span>gheten for motpartens mislighold (probabili<span class=\"_ _5\"></span>ty of default, PD) og tapsgrad gitt mislighol<span class=\"_ _5\"></span>d (loss given default, LGD). Intern rating er kombinert med historiske spreader fra credit default<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>swapper (CDS), samt gjel<span class=\"_ _5\"></span>dende CDS<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">indekspriser for <span class=\"_ _5\"></span>\u00e5 estimere mot<span class=\"_ _5\"></span></span>partens CDS<span class=\"ls0 ws0\">-</span>spread. Dett<span class=\"_ _5\"></span>e betyr at <span class=\"_ _1\"></span>kons<span class=\"_ _5\"></span>ernet utnytter sine egne kredittmodel<span class=\"_ _5\"></span>ler og deres range<span class=\"ls0 ws0\">r</span>ingsevne, men kalibrerer mot prisniv\u00e5er for til<span class=\"lsc5 ws130\">sv<span class=\"_ _5\"></span>ar</span><span class=\"wsd2\">ende kredit<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\">r</span></span>isiko i markedet. For kunder klassifisert i gruppe 3 p\u00e5 grunn av forventet kredittap, er CVA beregnet som om derivatene var gjenstand for nedskriv<span class=\"_ _5\"></span>ning som f\u00f8lge av kredittap. DVA<span class=\"ls0 ws0\"> </span>er basert p\u00e5 samme tiln\u00e6rming som CVA, der en vurdering av DNBs kredittspread<span class=\"ls0 ws0\"> </span>er brukt.<span class=\"ls0 ws0\"> </span>FVA gjenspeiler n\u00e5v<span class=\"_ _5\"></span>erdien av forventet framtidig finansi<span class=\"_ _5\"></span>eringskostnad knyttet til eksponeri<span class=\"_ _5\"></span>ngen for usikrede derivater. Den beregnes ved \u00e5 an<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>vende en finansieri<span class=\"_ _5\"></span>ngsmargin over den forventede eksponeringen. Det beregnes ikke finansierings<span class=\"_ _5\"></span>fordel for de posisjoner det er beregnet DVA for. <span class=\"ls0 ws0\"> </span>For finansiell<span class=\"_ _5\"></span>e instrumenter som m\u00e5les ved bruk av en verdsettelsesteknikk, kan en gevinst eller et tap fra tid til annen oppst\u00e5 n\u00e5r den estimerte virkelige verdien er f<span class=\"_ _5\"></span>orskjellig fra transaksjons<span class=\"_ _5\"></span>prisen. N\u00e5r m\u00e5lingen er basert p\u00e5 ikke<span class=\"ls0 ws0\">-</span>observerbare input<span class=\"wscf\">para</span>meter (niv\u00e5 3), er gevinst<span class=\"_ _5\"></span>en eller tapet utsatt og derfor ikke innregnet p\u00e5 dag \u00e9n. Endringer i virkelig verdi p\u00e5 et senere tids<span class=\"_ _5\"></span>punkt er kun innregnet i den grad dette skyldes forhold som markedsakt\u00f8rer vil<span class=\"_ _5\"></span>le tatt i betraktning.<span class=\"_ _1c5\"> </span><table class=\"s w37f h4fc\" id=\"_5c546759-aac1-4aed-92c5-6df619ba6ccd\"><tr><td class=\"c x400 y4260 w152 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff244 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4260 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 1 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4c5 y4260 w6e hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 2 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y4260 w6f hd7\"><div class=\"t m2 x20e hcc y1da9 ff243 fs53 fc21 sc0 lsa7 wsd1\">Niv\u00e5 3 <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4260 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff243 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4261 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4262 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y4262 w6f h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4262 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4263 w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4263 w6e h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">15</span> <span class=\"lsab wscb\">636</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4c5 y4263 w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">499</span> <span class=\"lsab wscb\">327</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4263 w6f h154\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x494 y4263 w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">515</span> <span class=\"lsab wscb\">716</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4264 w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td></td><td class=\"c x4c4 y4264 w6e h154\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">101</span> </div></td><td class=\"c x4c5 y4264 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">767</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4264 w6f h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4264 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">37</span> <span class=\"lsab wscb\">051</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4265 w152 h135\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4265 w6e h135\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">239</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4265 w6e h135\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">239</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4266 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4266 w6e h1eb\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">602</span> </div></td><td class=\"c x4c5 y4266 w6e h1eb\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">123</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4266 w6f h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">114</span> </div></td><td class=\"c x494 y4266 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">101</span> <span class=\"lsab wscb\">839</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4267 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4268 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4268 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4268 w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">38</span> <span class=\"lsab wscb\">819</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4269 w152 h154\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4269 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">267</span> </div></td><td></td><td class=\"c x494 y4269 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">267</span> </div></td></tr><tr><td class=\"c x400 y426a w152 h135\"><div class=\"t m2 x19f hcc y2401 ff243 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426a w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">769</span> </div></td><td></td><td class=\"c x494 y426a w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">769</span> </div></td></tr><tr><td class=\"c x400 y426b w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426b w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">123</span> </div></td><td></td><td class=\"c x494 y426b w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">123</span> </div></td></tr><tr><td class=\"c x400 y426c w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, kun<span class=\"_ _5\"></span>der b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y426c w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">788</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y426c w6e h154\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">245</span> <span class=\"lsab wscb\">788</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y426d w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y426d w6e h135\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">444</span> </div></td><td class=\"c x4c5 y426d w6e h135\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">99</span> <span class=\"lsab wscb\">765</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y426d w6f h135\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">826</span> </div></td><td class=\"c x494 y426d w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">102</span> <span class=\"lsab wscb\">035</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40f y426e w380 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff243 fs53 fc21 sc0 lsab wscd\">Annen fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4da h121 y3ebb ff243 fs58 fc21 sc0 ls0 ws0\">1</div></td><td></td><td class=\"c x4c4 y426f w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">071</span> </div></td><td class=\"c x4c5 y426f w6e h154\"><div class=\"t m2 x134 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td><td class=\"c x494 y426f w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">076</span> </div></td></tr><tr><td class=\"c x400 y4270 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Eiendeler per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4271 w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x493 y4271 w6f h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4271 w6e h154\"><div class=\"t m2 x19e hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4272 w152 h154\"><div class=\"t m2 x19f hcc y1dc1 ff243 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4272 w6e h154\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x4c5 y4272 w6e h154\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">550</span> <span class=\"lsab wscb\">280</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4272 w6f h154\"><div class=\"t m2 x1b5 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x494 y4272 w6e h154\"><div class=\"t m2 x20f hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">558</span> <span class=\"lsab wscb\">309</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4273 w152 h135\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td></td><td class=\"c x4c4 y4273 w6e h135\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">369</span> </div></td><td class=\"c x4c5 y4273 w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">818</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4273 w6f h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x494 y4273 w6e h135\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">107</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4274 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle ei<span class=\"_ _5\"></span>endel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4274 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">196</span> <span class=\"lsab wscb\">419</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4274 w6e h1eb\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">196</span> <span class=\"lsab wscb\">419</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4275 w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y4275 w6e h135\"><div class=\"t m2 x1b5 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">626</span> </div></td><td class=\"c x4c5 y4275 w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">138</span> <span class=\"lsab wscb\">085</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y4275 w6f h135\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">434</span> </div></td><td class=\"c x494 y4275 w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">141</span> <span class=\"lsab wscb\">144</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4276 w152 h119\"><div class=\"t m2 x19f hd1 y1dab ff242 fs55 fc21 sc0 lsaf wsf6\">Gjeld per 31. desember 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x400 y4277 w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d fra k<span class=\"_ _5\"></span>under<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4277 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y4277 w6e h154\"><div class=\"t m2 x19e hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">40</span> <span class=\"lsab wscb\">621</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y4278 w152 h135\"><div class=\"t m2 x19f hcc y2401 ff243 fs53 fc21 sc0 lsab wscb\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4278 w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">740</span> </div></td><td></td><td class=\"c x494 y4278 w6e h135\"><div class=\"t m2 x2d7 hcc y2401 ff243 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">740</span> </div></td></tr><tr><td class=\"c x400 y4279 w152 h1eb\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y4279 w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">776</span> </div></td><td></td><td class=\"c x494 y4279 w6e h1eb\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">776</span> </div></td></tr><tr><td class=\"c x400 y427a w152 h154\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y427a w6e h154\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">100</span> </div></td><td></td><td class=\"c x494 y427a w6e h154\"><div class=\"t m2 x2d7 hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">100</span> </div></td></tr><tr><td class=\"c x400 y427b w152 h135\"><div class=\"t m2 x19f hcc y1db0 ff243 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d, kun<span class=\"_ _5\"></span>der b\u00e6<span class=\"_ _5\"></span>rer risi<span class=\"_ _5\"></span>koen <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4c5 y427b w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">202</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x494 y427b w6e h135\"><div class=\"t m2 x20f hcc y1db0 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">202</span> <span class=\"lsab wscb\">255</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x400 y427c w152 h154\"><div class=\"t m2 x19f hcc y1da9 ff243 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle deri<span class=\"_ _5\"></span>vater<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4c4 y427c w6e h154\"><div class=\"t m2 x1b5 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">885</span> </div></td><td class=\"c x4c5 y427c w6e h154\"><div class=\"t m2 x20f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">114</span> <span class=\"lsab wscb\">054</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x493 y427c w6f h154\"><div class=\"t m2 x2d7 hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">093</span> </div></td><td class=\"c x494 y427c w6e h154\"><div class=\"t m2 x20f hcc y1da9 ff243 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">117</span> <span class=\"lsab wscb\">032</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x40f y427d w380 h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff243 fs53 fc21 sc0 lsab wscd\">Annen fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d</div><div class=\"t m2 x4da h121 y3ebb ff243 fs58 fc21 sc0 ls0 ws0\">1</div></td><td></td><td class=\"c x4c4 y427e w6e h135\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">759</span> </div></td><td class=\"c x4c5 y427e w6e h135\"><div class=\"t m2 x134 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td></td><td class=\"c x494 y427e w6e h135\"><div class=\"t m2 x2d7 hcc y1dc1 ff243 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">759</span> </div></td></tr><tr><td class=\"c x3f6 y429d w381 h4fd\"><div class=\"t m2 x3f4 hd8 y427f ff244 fs53 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 he2 y4280 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12e y4281 ff242 fs5a fc21 sc0 lsc0 ws109\">Niv\u00e5ene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4282 ff243 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter innplasseres i ulik<span class=\"_ _5\"></span>e niv\u00e5er basert p\u00e5 graden av observerbarhet i markedsdata for den enkelte type instrument. Over<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4283 ff243 fs55 fc21 sc0 lsaf wsf6\">f\u00f8ringer mellom niv<span class=\"_ _5\"></span>\u00e5ene i virkelig verdi hierarkiet anses \u00e5 ha skjedd ved utgangen av hvert kvartal. For finansiell<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> <span class=\"lsc5 ws130\">instru</span></span>m<span class=\"_ _5\"></span>enter i niv\u00e5 2 kan </div><div class=\"t m2 x3f4 hcf y4284 ff243 fs55 fc21 sc0 lsaf wsf6\">graden av observerbarhet i mark<span class=\"_ _5\"></span>edsdata variere avhengig av hvorvidt det har v\u00e6rt omsetning for det aktuell<span class=\"_ _5\"></span>e instrumentet. Det vil derfor v\u00e6re </div><div class=\"t m2 x3f4 hcf y4285 ff243 fs55 fc21 sc0 lsaf wsf6\">naturlig at noen instrum<span class=\"_ _5\"></span>enter flyttes mellom niv\u00e5 2 og 3. Dette gjelder i hovedsak se<span class=\"wsd2\">rtifikater og s<span class=\"_ _5\"></span>tatsobligasjoner.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y4286 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y4287 ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 1:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 note<span class=\"_ _5\"></span>rte pris<span class=\"_ _5\"></span>er i akti<span class=\"_ _5\"></span>vt marke<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4288 ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 1 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som verdsettes ved bruk av noterte priser i aktive markeder for identiske eiendel<span class=\"_ _5\"></span>er eller for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4289 ff243 fs55 fc21 sc0 lsaf wsf6\">plikt<span class=\"_ _5\"></span>elser. I kategorien inng\u00e5r blant annet b\u00f8rsnoterte aksjer og fondsandeler, samt sertifik<span class=\"_ _5\"></span>ater og statsobligasjoner som omsettes i aktive </div><div class=\"t m2 x3f4 hcf y428a ff243 fs55 fc21 sc0 lsaf wscf\">markeder.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y428b ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y428c ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 2:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 obse<span class=\"_ _5\"></span>rverbar<span class=\"_ _5\"></span>e marke<span class=\"_ _5\"></span>dsdata<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y428d ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 2 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som verdsettes ved bruk av informasjon som ikke er noterte priser, men hvor priser er direkt<span class=\"_ _5\"></span>e eller </div><div class=\"t m2 x3f4 hcf y428e ff243 fs55 fc21 sc0 lsaf wsf6\">indirekt<span class=\"_ _5\"></span>e observerbare for eiendelene eller forplikt<span class=\"_ _5\"></span>elsene, inkludert noterte priser i ikke aktive markeder for i<span class=\"_ _5\"></span>dentiske eiendeler eller forpliktel<span class=\"_ _5\"></span>ser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y428f ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4290 ff243 fs55 fc21 sc0 lsaf wsf6\">I kategorien inng\u00e5r bl<span class=\"_ _5\"></span>ant annet interbankderivater som renteswapper, v<span class=\"_ _5\"></span>alutaswapper og terminkontrakter med prisnoteri<span class=\"_ _5\"></span>nger p\u00e5 <span class=\"wsd2\">Reuters eller </span></div><div class=\"t m2 x3f4 hcf y4291 ff243 fs55 fc21 sc0 lsaf wsf6\">Bloomberg, basisswapper mel<span class=\"_ _5\"></span>lom valutaslagene NOK, EUR, USD og GBP og rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og valutaderivat<span class=\"_ _5\"></span>er mot kunder <span class=\"_ _5\"></span>med uvesentlig k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y4292 ff243 fs55 fc21 sc0 lsaf wsf6\">margin. B\u00f8rsnotert<span class=\"_ _5\"></span>e opsjoner innplasseres i niv\u00e5 2 dersom det er mulig \u00e5 avlese eller inter<span class=\"ls0 ws0\">-</span>/ekstrapolere im<span class=\"_ _5\"></span>plisitt volatilitet med utgangs<span class=\"_ _5\"></span>punkt i </div><div class=\"t m2 x3f4 hcf y4293 ff243 fs55 fc21 sc0 lsaf wsf6\">observerbare pris<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y4294 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12c y4295 ff242 fs59 fc21 sc0 lscb ws131\">Niv\u00e5 3:<span class=\"_ _5\"></span> Verdse<span class=\"_ _5\"></span>ttelse<span class=\"_ _5\"></span> baser<span class=\"_ _5\"></span>t p\u00e5 anne<span class=\"_ _5\"></span>t enn obse<span class=\"_ _5\"></span>rverbar<span class=\"_ _5\"></span>e marke<span class=\"_ _5\"></span>dsdat<span class=\"_ _5\"></span>a<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4296 ff243 fs55 fc21 sc0 lsaf wsf6\">I niv\u00e5 3 innplasseres finansiel<span class=\"_ _5\"></span>le instrumenter som ikke kan verdsettes basert p\u00e5 direkte eller indirekte observ<span class=\"_ _5\"></span>erbare priser.<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">For s<span class=\"_ _5\"></span>like instrument<span class=\"_ _5\"></span>er </span></div><div class=\"t m2 x3f4 hcf y4297 ff243 fs55 fc21 sc0 lsaf wsf6\">benyttes blant annet vurdering av eiendeler og gjeld i selskaper,<span class=\"_ _5\"></span> estimerte kontantstr\u00f8mmer og andre verdse<span class=\"wsd2\">ttelsesmodell<span class=\"_ _5\"></span>er der ves<span class=\"_ _5\"></span>entlige </span></div><div class=\"t m2 x3f4 hcf y4298 ff243 fs55 fc21 sc0 lsaf wscf\">para<span class=\"wsf6\">metere bygger p\u00e5 ikke<span class=\"ls0 ws0\">-</span>obs<span class=\"_ _5\"></span>erverbar input. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y4299 ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y429a ff243 fs55 fc21 sc0 lsaf wsf6\">I kategorien inng\u00e5r bl<span class=\"_ _5\"></span>ant annet utl\u00e5n til kunder og instrumenter hvor kredittmarginer ut<span class=\"_ _5\"></span>gj\u00f8r en vesentlig del av justeringen til markedsverdi.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y429b ff243 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y429c ff243 fs55 fc21 sc0 lsaf wsf6\">Gevinst eller t<span class=\"_ _5\"></span>ap som oppst\u00e5r n\u00e5r estimert virkelig verdi er forskjellig fra trans<span class=\"_ _5\"></span>aksjonsprisen (dag<span class=\"ls0 ws0\">-</span>en gevinst/ tap) har ikke hatt vesentlig effekt<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y41de ff243 fs55 fc21 sc0 lsaf wsf6\">i regnskapet for hverken 20<span class=\"ls0 ws0\">2</span>5 eller 20<span class=\"ls0 ws0\">2</span><span class=\"wscf\">4.</span><span class=\"wscf\"> </span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 hcf y41df ff243 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></td><td class=\"c x410 y3e64 w382 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff244 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscb\">Short<span class=\"_ _5\"></span></span>-<span class=\"lsab wscd\">posisj<span class=\"_ _5\"></span>oner k<span class=\"_ _5\"></span>nyttet<span class=\"_ _5\"></span> til tra<span class=\"_ _5\"></span>dingvi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet</span><span class=\"lsab wscd\">.</span> </div></td><td></td><td></td><td></td><td></td></tr></table>Instrumen<span class=\"_ _5\"></span>tene i d<span class=\"_ _5\"></span>e ulike <span class=\"_ _5\"></span>niv\u00e5ene<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Utl\u00e5<span class=\"_ _5\"></span>n til kunder (niv<span class=\"_ _5\"></span>\u00e5 3)<span class=\"ls0 ws0\"> </span>Utl\u00e5nene best\u00e5r i hoveds<span class=\"_ _5\"></span>ak av fastrenteutl\u00e5n i norske kroner. Verdien av fastrenteutl\u00e5nene f<span class=\"_ _5\"></span>astsettes ved at avtalte kontantstr\u00f8mmer ned<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>diskonteres over l\u00f8pet<span class=\"_ _5\"></span>iden med en diskonteringsfaktor som er justert for marginkrav<span class=\"_ _5\"></span>. Diskonteringsfaktoren som benytt<span class=\"_ _5\"></span>es tar utgangspunkt i en swaprente med en l\u00f8petid som tilsvarer gjennom<span class=\"_ _5\"></span>snittlig gjenv\u00e6rende bindingst<span class=\"_ _5\"></span>id p\u00e5 de aktuelle fastrenteutl\u00e5nene. F<span class=\"_ _5\"></span>orutsetninger for beregning av marginkravet er basert p\u00e5 en vurdering av markedsforholdene p\u00e5 bal<span class=\"_ _5\"></span>ansedagen og p\u00e5 en vurdering av hva en ekstern investor ville lagt til grunn ved investering i tilsvarende port<span class=\"_ _5\"></span>ef\u00f8lje. <span class=\"ls0 ws0\"> </span>Sertif<span class=\"_ _5\"></span>ikater og obl<span class=\"_ _5\"></span>igasj<span class=\"_ _5\"></span>oner (niv\u00e5 2 og 3)<span class=\"ls0 ws0\"> </span>Verdivurderingen i<span class=\"_ _5\"></span> niv\u00e5 2 baseres i hovedsak p\u00e5 observerbar markedsinformasjon i form av rentekurver, valutakurs<span class=\"_ _5\"></span>er og kreditt<span class=\"wsd2\">marginer til<span class=\"_ _5\"></span> den </span>enkelte kreditt<span class=\"_ _5\"></span> og obligasjonens eller sertifikatets karakteris<span class=\"_ _5\"></span>tika. For papirer vurdert under niv\u00e5 3 baseres verdsettelsen p\u00e5 indik<span class=\"_ _5\"></span>ative priser fra tredje<span class=\"wsf6\">part ell<span class=\"_ _5\"></span>er sammenliknbare papirer. Investeringene i niv\u00e5 3 best\u00e5r i hovedsak av selskapsobligasjoner med begrens<span class=\"_ _5\"></span>et likviditet<span class=\"ls0 ws0\">. </span></span>Aksjer<span class=\"_ _1\"></span> inkl<span class=\"_ _1\"></span>usiv<span class=\"_ _1\"></span>e andel<span class=\"_ _1\"></span>er i fo<span class=\"_ _1\"></span>nd (<span class=\"_ _1\"></span>niv\u00e5 <span class=\"_ _1\"></span>2 og 3)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span>Aksjer i niv\u00e5 2 omfatter aksjefond hvor de underli<span class=\"_ _5\"></span>ggende investeringene er noterte aksjer, samt et mindre volum av andre fond<span class=\"wscf\">sandeler.<span class=\"_ _5\"></span> </span>Investeri<span class=\"_ _5\"></span>ngene i niv\u00e5 3 best\u00e5r av Private Equity<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">fond, eiendomsfond,<span class=\"_ _5\"></span> KS<span class=\"ls0 ws0\">-</span></span>andeler, ikke b\u00f8rsnot<span class=\"_ _5\"></span>erte hedgefond og ikke b\u00f8rsn<span class=\"wsd2\">oterte aksjer. Felles </span>for disse invest<span class=\"_ _5\"></span>eringene er at det er etterslep i tilgangen p\u00e5 informasjon fra enhetene. I tider med uro i finansmarkedene, v<span class=\"wsd2\">il <span class=\"_ _5\"></span>det kunne v\u00e6<span class=\"_ _5\"></span>re </span>betydeli<span class=\"_ _5\"></span>g usikkerhet knyttet til verdsettelsen av disse invest<span class=\"_ _5\"></span>eringene.<span class=\"ls0 ws0\"> </span>Ved f<span class=\"_ _5\"></span>astsettelse av vi<span class=\"_ _5\"></span>rkelig verdi for <span class=\"_ _5\"></span>Private Equi<span class=\"_ _5\"></span>ty<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">investeringer, PE, benytt<span class=\"_ _5\"></span>es en bransjestandard utarbeidet av European Private Equity &amp; </span>Venture Capit<span class=\"_ _5\"></span>al Association, EVCA. Metoden vurderes \u00e5 representere beste grunnlag for beste estim<span class=\"_ _5\"></span>at for virkelig verdi for investeringer i lite likvide egenkapit<span class=\"_ _5\"></span>alinstrumenter. Rapportering f<span class=\"_ _5\"></span>ra forvalterne om verdien av PE<span class=\"ls0 ws0\">-</span>fond p\u00e5 balansedagen mottas etter at konsernet har avlagt regn<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>skap. Verdivurderi<span class=\"_ _5\"></span>ngene i konsernregnskapet er derfor basert p\u00e5 verdsett<span class=\"_ _5\"></span>elser for tidligere perioder, justert for ti<span class=\"_ _5\"></span>dsetterslep i rapporteringen p\u00e5 om lag tre m\u00e5neder. Tidsettersl<span class=\"_ _5\"></span>epet fastsettes med utgangspunkt i utvikl<span class=\"_ _5\"></span>ingen i en vektet indeks best\u00e5ende av en parameter for aksje<span class=\"wscf\">markedet </span>representert ved MSCI World som referans<span class=\"_ _5\"></span>eindeks, og et parameter for forventet langsiktig avkastning p\u00e5 PE<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">investeringer.<span class=\"ls0 ws0\"> </span></span>Finan<span class=\"_ _1\"></span>siell<span class=\"_ _1\"></span>e eiend<span class=\"_ _1\"></span>eler, kun<span class=\"_ _1\"></span>der b<span class=\"_ _1\"></span>\u00e6rer risi<span class=\"_ _1\"></span>koen (n<span class=\"_ _1\"></span>iv\u00e5 2)<span class=\"ls0 ws0\"> </span>Posten gjelder unit link<span class=\"_ _5\"></span>ed produkter i DNB Livsforsikring. Verdiutvikl<span class=\"_ _5\"></span>ingen p\u00e5 de underliggende fondene er tilgjengeli<span class=\"_ _5\"></span>g p\u00e5 daglig basis.<span class=\"ls0 ws0\"> </span>Finan<span class=\"_ _1\"></span>siell<span class=\"_ _1\"></span>e deri<span class=\"_ _1\"></span>vater <span class=\"_ _1\"></span>(niv\u00e5 <span class=\"_ _1\"></span>2 og<span class=\"_ _1\"></span> 3)<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le derivater i niv\u00e5 2 omfatter i hovedsak valutaterminer og rente<span class=\"ls0 ws0\">- </span>og valutaswapper. V<span class=\"_ _5\"></span>erdsettelsen er basert p\u00e5 swapkurver, og kreditt<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>marginer utgj\u00f8<span class=\"_ _5\"></span>r en mindre del a<span class=\"_ _1\"></span>v verdien. I ti<span class=\"_ _5\"></span>llegg omfatter posten derivater knyttet til r\u00e5varer og FRAer. Disse er verds<span class=\"_ _5\"></span>att med utgangspunkt i observerbare pris<span class=\"_ _5\"></span>er i markedet. Derivater klassifisert i niv\u00e5 2 omfatter ogs\u00e5 aksjederiv<span class=\"_ _5\"></span>ater knyttet til DNB Carnegies market<span class=\"ls0 ws0\">-</span>making aktiv<span class=\"_ _5\"></span>iteter. Hoved<span class=\"wsf6\">delen av disse derivat<span class=\"_ _5\"></span>ene er kn<span class=\"_ _1\"></span>yt<span class=\"_ _5\"></span>tet opp mot de mest omsatte aksjene p\u00e5<span class=\"ls0 ws0\"> </span>Oslo B\u00f8rs, og verdsettelsen baseres p\u00e5 kursutvikli<span class=\"_ _5\"></span>ngen p\u00e5 den </span>aktuell<span class=\"_ _5\"></span>e/underliggende aksjen og observerbar eller beregnet volatil<span class=\"_ _5\"></span>itet. Finansielle derivater i niv\u00e5 3 best\u00e5r i det vesentli<span class=\"_ _5\"></span><span class=\"wsd2\">gste av val<span class=\"_ _5\"></span>utaopsjoner, </span>renteopsjoner i<span class=\"_ _5\"></span> norske kroner samt indeksderivater. Verdset<span class=\"_ _5\"></span>telsen er basert p\u00e5 indikative priser fra tredjepart.<span class=\"ls0 ws0\"> </span>Innsk<span class=\"_ _5\"></span>udd fra<span class=\"_ _5\"></span> kunder<span class=\"_ _5\"></span> (niv\u00e5<span class=\"_ _5\"></span> 2)<span class=\"ls0 ws0\"> </span>Verdsettels<span class=\"_ _5\"></span>en av innskudd som vurderes til virkelig verdi omfatter i hovedsak innskudd med fast rente. Verdsettels<span class=\"_ _5\"></span>en er i hovedsak basert p\u00e5 m\u00e5ling mot en swapkurve, og effekten av endringer i kredittm<span class=\"_ _5\"></span>arginer i m\u00e5lingen er liten.<span class=\"ls0 ws0\"> </span>Verdi<span class=\"_ _5\"></span>papirgjel<span class=\"_ _5\"></span>d <span class=\"wsfd\">og etterst<span class=\"_ _5\"></span>ilte seni<span class=\"_ _5\"></span>orobligas<span class=\"_ _5\"></span>joner <span class=\"lsb8 ws10a\">(niv\u00e5 2)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></span></span>Verdivurderingen bas<span class=\"_ _5\"></span>eres i hovedsak p\u00e5 observerbar markedsinformas<span class=\"_ _5\"></span>jon i form av rentekurver og kredittmarginer. Post<span class=\"_ _5\"></span>en best\u00e5r<span class=\"ls0 ws0\"> </span>i hovedsak av innl\u00e5n i norske kroner.<span class=\"ls0 ws0\"> </span>Ansva<span class=\"_ _1\"></span>rlig l<span class=\"_ _1\"></span>\u00e5nekap<span class=\"_ _1\"></span>ital<span class=\"_ _1\"></span> (niv\u00e5<span class=\"_ _1\"></span> 2)<span class=\"ls0 ws0\"> </span>Ansvarlige i<span class=\"_ _5\"></span>nnl\u00e5n som m\u00e5les til virkelig verdi best\u00e5r av innl\u00e5n i norske kroner, og verdsettelsen baseres p\u00e5 observerbare rentekurv<span class=\"_ _5\"></span>er og kredittmargi<span class=\"_ _5\"></span>ner.<span class=\"ls0 ws0\"> </span><div class=\"gs170\"><table class=\"s w383 h4fe\" id=\"_d8f2fc09-57a6-48c0-90a1-f1b28150867a\"><tr><td class=\"c x3db y429e w152 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff24d fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e instrumenter til virkelig verdi, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x437 y429f w1b6 hd7\"><div class=\"t m2 x46 hcc y1db0 ff24e fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle eien<span class=\"_ _5\"></span>deler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4db y429f w1b7 hd7\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>ell gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x438 y42a0 w6e h13b\"><div class=\"t m2 x329 hcc y1db0 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x437 y42a1 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a1 w6e hd7\"><div class=\"t m2 x227 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">og<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42a1 w6f hd7\"><div class=\"t m2 x329 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Finansi<span class=\"_ _5\"></span>elle<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4db y42a1 w1b7 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Finansi<span class=\"_ _5\"></span>elle<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a2 w152 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a2 w6f hd7\"><div class=\"t m2 x1ba hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a2 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42a2 w6e hd7\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td class=\"c x3dd y42a2 w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4db y42a2 w1b7 hd7\"><div class=\"t m2 x4f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">derivat<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a3 w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 1. ja<span class=\"_ _5\"></span>nuar 2<span class=\"_ _5\"></span>023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a3 w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">42</span> <span class=\"lsab wscb\">099</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42a3 w6e hd9\"><div class=\"t m2 x1b5 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">385</span> </div></td><td class=\"c x436 y42a3 w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">14</span> <span class=\"lsab wscb\">015</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42a3 w6f hd9\"><div class=\"t m2 x2d7 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4dc y42a3 w1b9 hd9\"><div class=\"t m2 x20f hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">345</span> </div></td></tr><tr><td class=\"c x3db y42a4 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>esultatf<span class=\"_ _5\"></span>\u00f8rte <span class=\"_ _5\"></span>gevinste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a4 w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y42a4 w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x436 y42a4 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">535</span> </div></td><td class=\"c x3dd y42a4 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">214</span> </div></td><td class=\"c x4dc y42a4 w1b9 hde\"><div class=\"t m2 x20e hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42a5 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span>/kj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a5 w6f hda\"><div class=\"t m2 x19e hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">890</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42a5 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">847</span> </div></td><td class=\"c x436 y42a5 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">960</span> </div></td><td class=\"c x3dd y42a5 w6f hda\"><div class=\"t m2 x2d7 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4dc y42a5 w1b9 hda\"><div class=\"t m2 x20f hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">664</span> </div></td></tr><tr><td class=\"c x3db y42a6 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Avhendi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a6 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">(501)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42a6 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">589</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42a7 w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42a7 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">491</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x438 y42a7 w6e hdb\"><div class=\"t m2 xf9 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42a7 w6f hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">284</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4dc y42a7 w1b9 hdb\"><div class=\"t m2 x1ab hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">883</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y42a8 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>rt fra ni<span class=\"_ _5\"></span>v\u00e5 1 el<span class=\"_ _5\"></span>ler 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a8 w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">29</span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42a9 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsa7 wsd1\">Overf\u00f8rt til niv\u00e5 1 eller 2<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42a9 w6e hda\"><div class=\"t m2 x1b8 hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscb\">(257)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42aa w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42aa w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x436 y42aa w6e hdb\"><div class=\"t m2 x134 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td></td><td></td></tr><tr><td class=\"c x3db y42ab w152 hd9\"><div class=\"t m2 x19f hdc y1dae ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ab w6f hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">431</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42ab w6e hd9\"><div class=\"t m2 x1b5 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x436 y42ab w6e hd9\"><div class=\"t m2 x19e hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42ab w6f hd9\"><div class=\"t m2 x2d7 hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">434</span> </div></td><td class=\"c x4dc y42ab w1b9 hd9\"><div class=\"t m2 x20f hdc y1dae ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3db y42ac w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Netto r<span class=\"_ _5\"></span>esultatf<span class=\"_ _5\"></span>\u00f8rte <span class=\"_ _5\"></span>gevinste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ac w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x438 y42ac w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td class=\"c x436 y42ac w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">(519)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42ac w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">390</span> </div></td><td class=\"c x4dc y42ac w1b9 hde\"><div class=\"t m2 x248 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">53</span> </div></td></tr><tr><td class=\"c x3db y42ad w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscd\">Oppkj\u00f8p<span class=\"_ _5\"></span> av Ca<span class=\"_ _5\"></span>rnegie<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y42ad w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">234</span> </div></td><td class=\"c x3dd y42ad w6f hda\"><div class=\"t m2 x1e3 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">63</span> </div></td><td></td></tr><tr><td class=\"c x3db y42ae w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span>/kj\u00f8p<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42ae w6f hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">227</span> </div></td><td class=\"c x438 y42ae w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">876</span> </div></td><td class=\"c x436 y42ae w6e hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">222</span> </div></td><td class=\"c x3dd y42ae w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">841</span> </div></td><td class=\"c x4dc y42ae w1b9 hdb\"><div class=\"t m2 x1ba hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">878</span> </div></td></tr><tr><td class=\"c x3db y42af w152 hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">Avhendi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42af w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">(710)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42af w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">683</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3dd y42af w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">(426)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y42b0 w152 hde\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42b0 w6f hde\"><div class=\"t m2 x247 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">156</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x438 y42b0 w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3dd y42b0 w6f hde\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">168</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4dc y42b0 w1b9 hde\"><div class=\"t m2 x1ab hcc y1da9 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">224</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3db y42b1 w152 hda\"><div class=\"t m2 x19f hcc y1dc1 ff24e fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>rt fra ni<span class=\"_ _5\"></span>v\u00e5 1 el<span class=\"_ _5\"></span>ler 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b1 w6e hda\"><div class=\"t m2 x1b5 hcc y1dc1 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">170</span> </div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y42b2 w152 hdb\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsd1\">Overf\u00f8rt til niv\u00e5 1 eller 2<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b2 w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">096</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x436 y42b2 w6e hdb\"><div class=\"t m2 xf9 hcc y1db0 ff24e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42b3 w152 h11a\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x438 y42b3 w6e h11a\"><div class=\"t m2 x249 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42b3 w6e h11a\"><div class=\"t m2 x1e3 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td class=\"c x3dd y42b3 w6f h11a\"><div class=\"t m2 x249 hcc y1dae ff24e fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dc y42b3 w1b9 h11a\"><div class=\"t m2 x248 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">25</span> </div></td></tr><tr><td class=\"c x3db y42b4 w152 hd9\"><div class=\"t m2 x19f hdc y1da9 ff24d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x437 y42b4 w6f hd9\"><div class=\"t m2 x19e hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x438 y42b4 w6e hd9\"><div class=\"t m2 x1b5 hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x436 y42b4 w6e hd9\"><div class=\"t m2 x19e hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42b4 w6f hd9\"><div class=\"t m2 x2d7 hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">114</span> </div></td><td class=\"c x4dc y42b4 w1b9 hd9\"><div class=\"t m2 x20f hdc y1da9 ff24d fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">826</span> </div></td></tr></table></div><div class=\"gs18a\"><table class=\"s w384 h4ff\" id=\"_aa37b9c7-c3aa-451f-ba99-36245f76c16c\"><tr><td class=\"c x3db y42b5 w1ba h136\"><div class=\"t m2 x19f hd1 y200d ff24d fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av virkelig verdi, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4dd y42b6 w10f hd7\"><div class=\"t m2 x9f hcc y2c9a ff24e fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x436 y42b6 w10f hd7\"><div class=\"t m2 x9f hcc y2c9a ff24e fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x4de y42b7 w6e h13b\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y42b7 w6f h13b\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsaa wscd\">Sertifikate<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4dd y42b8 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42b8 w6e hd7\"><div class=\"t m2 x227 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">og <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x436 y42b8 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsa7 wsfc\">Utl\u00e5n til <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42b8 w6f hd7\"><div class=\"t m2 x227 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">og <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y42b9 w1bb hd7\"><div class=\"t m2 x19f hd8 y1da9 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42b9 w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42b9 w6e hd7\"><div class=\"t m2 x1bc hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4df y42b9 w6f hd7\"><div class=\"t m2 x2d7 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td><td class=\"c x436 y42b9 w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">kunder<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42b9 w6f hd7\"><div class=\"t m2 x1bc hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">obligasj<span class=\"_ _5\"></span>oner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42b9 w6e hd7\"><div class=\"t m2 x2d7 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">Aksjer  </div></td></tr><tr><td class=\"c x3db y42ba w1bb hd9\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsa7 wsd1\">Nominell verdi/kostpris<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">47</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4de y42ba w6e hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">726</span> </div></td><td class=\"c x4df y42ba w6f hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">642</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">55</span> <span class=\"lsab wscb\">108</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42ba w6f hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">528</span> </div></td><td class=\"c x3de y42ba w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">846</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y42bb w1bb hdb\"><div class=\"t m2 x19f hcc y200f ff24e fs53 fc21 sc0 lsa7 wsd1\">Virkelig verdi justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bb w6e hdb\"><div class=\"t m2 x19e hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">068</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4de y42bb w6e hdb\"><div class=\"t m2 x1e3 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x4df y42bb w6f hdb\"><div class=\"t m2 x2d7 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">540</span> </div></td><td class=\"c x436 y42bb w6e hdb\"><div class=\"t m2 x19e hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">772</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x3dd y42bb w6f hdb\"><div class=\"t m2 xf9 hcc y200f ff24e fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42bb w6e hdb\"><div class=\"t m2 x2d7 hcc y200f ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">074</span> </div></td></tr><tr><td class=\"c x3db y42bc w1bb hda\"><div class=\"t m2 x19f hcc y1db0 ff24e fs53 fc21 sc0 lsab wsd0\">P\u00e5l\u00f8pte re<span class=\"_ _5\"></span>nter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">87</span> </div></td><td class=\"c x4de y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">10</span> </div></td><td></td><td class=\"c x436 y42bc w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">95</span> </div></td><td class=\"c x3dd y42bc w6f hda\"><div class=\"t m2 x134 hcc y1db0 ff24e fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td></tr><tr><td class=\"c x3db y42bd w1bb hd9\"><div class=\"t m2 x19f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">46</span> <span class=\"lsab wscb\">198</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x4de y42bd w6e hd9\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">752</span> </div></td><td class=\"c x4df y42bd w6f hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x436 y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">53</span> <span class=\"lsab wscb\">432</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x3dd y42bd w6f hd9\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">531</span> </div></td><td class=\"c x3de y42bd w6e hd9\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div><div class=\"gs18b\"><table class=\"s w326 h500\" id=\"_fd024ea7-42b8-4cb6-845d-7853122ec7e9\"><tr><td class=\"c x3db y42be w1bb h136\"><div class=\"t m2 x19f hd1 y2036 ff24d fs55 fc21 sc0 lsaf wsf6\">Spesifi<span class=\"_ _5\"></span>kasjon av aksjer, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x436 y42bf w6e hd7\"><div class=\"t m2 x1ba hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4dd y42c0 w6e hd7\"><div class=\"t m2 x329 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Eiendom<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x4de y42c0 w6e hd7\"><div class=\"t m2 x19e hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Hedge<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> <span class=\"_ _5\"></span> </span></div></td><td class=\"c x4df y42c0 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Unotert<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y42c0 w6e hd7\"><div class=\"t m2 x44 hcc y1da9 ff24e fs53 fc21 sc0 lsa8 ws6b\">Equity (<span class=\"_ _1\"></span>PE) <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y42c1 w1bb hd7\"><div class=\"t m2 x19f hd8 y1da9 ff24f fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c1 w6e hd7\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">fond <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4de y42c1 w6e hd7\"><div class=\"t m2 x1b5 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">fond <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4df y42c1 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff24e fs53 fc21 sc0 ls0 ws0\">aksjer  </div></td><td class=\"c x436 y42c1 w6e hd7\"><div class=\"t m2 x20a hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">investeri<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y42c1 w6f hd7\"><div class=\"t m2 x20c hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Annet <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y42c1 w6e hd7\"><div class=\"t m2 x248 hcc y1da9 ff24e fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y42c2 w1bb hdd\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi per<span class=\"_ _5\"></span> 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c2 w6e hdd\"><div class=\"t m2 x134 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x4de y42c2 w6e hdd\"><div class=\"t m2 x1b5 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x4df y42c2 w6f hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x436 y42c2 w6e hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">973</span> </div></td><td class=\"c x3dd y42c2 w6f hdd\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">634</span> </div></td><td class=\"c x3de y42c2 w6e hdd\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">183</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y42c3 w1bb hdb\"><div class=\"t m2 x19f hcc y1dae ff24e fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi per<span class=\"_ _5\"></span> 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4dd y42c3 w6e hdb\"><div class=\"t m2 x134 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x4de y42c3 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">702</span> </div></td><td class=\"c x4df y42c3 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">291</span> </div></td><td class=\"c x436 y42c3 w6e hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">366</span> </div></td><td class=\"c x3dd y42c3 w6f hdb\"><div class=\"t m2 x2d7 hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">558</span> </div></td><td class=\"c x3de y42c3 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff24e fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">13</span> <span class=\"lsab wscb\">920</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div><div class=\"c w73 h1f5 gs18c\"><div class=\"t m2 x20e hd1 y2ca1 ff24d fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd1 y2ca2 ff24d fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd1 y2ca3 ff24d fs55 fc21 sc0 lsaf wsf6\">Sensitvi<span class=\"_ _5\"></span>tetsanalyse, niv\u00e5 3<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2ca4 ff24e fs55 fc21 sc0 lsaf wsf6\">En \u00f8kning i diskonterings<span class=\"_ _5\"></span>renten p\u00e5 fastrenteutl\u00e5n med 10 basispunkter vil redusere vi<span class=\"_ _5\"></span>rkelig verdi av utl\u00e5n til kunder med 100<span class=\"ls0 ws0\"> </span>millioner kroner per </div><div class=\"t m2 x20e hcf y2ca5 ff24e fs55 fc21 sc0 lsaf wsf6\">31. desember 2025 (136 millioner per 31. desember 2024).<span class=\"_ _5\"></span> Effektene p\u00e5 andre instrumenter i niv\u00e5 3 er ikke ve<span class=\"_ _1\"></span>s<span class=\"_ _5\"></span><span class=\"wscf\">entlige. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2ca6 ff24e fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2ca7 ff24e fs55 fc21 sc0 lsaf wsf6\">Aksjer klassif<span class=\"_ _5\"></span>isert i niv\u00e5 3 omfatter til sammen 11 731 millioner kroner i Private Equity<span class=\"ls0 ws0\">-</span>investeringer, eiendoms<span class=\"_ _5\"></span>fond, hedgefond og unoterte </div><div class=\"t m2 x20e hcf y2ca8 ff24e fs55 fc21 sc0 lsaf wsf6\">aksjer i DNB Livsforsik<span class=\"_ _5\"></span>ring per 31. desember 2025. Verdsettelsene er i all hovedsak basert p\u00e5 rapportering fra f<span class=\"_ _5\"></span>orvaltere av fondene, som </div><div class=\"t m2 x20e hcf y2ca9 ff24e fs55 fc21 sc0 lsaf wsf6\">benytter kontantst<span class=\"_ _5\"></span>r\u00f8mbaserte modeller eller multi<span class=\"_ _5\"></span>pler ved fastsettelse av virkelig verdi. Konsernet har ikke ful<span class=\"_ _5\"></span>l tilgang til<span class=\"ls0 ws0\"> </span>inform<span class=\"_ _5\"></span>asjon om alle </div><div class=\"t m2 x20e hcf y2caa ff24e fs55 fc21 sc0 lsaf wsf6\">elementene i disse verdsett<span class=\"_ _5\"></span>elsene og har derfor ikke grunnlag for \u00e5 fastsette alternative forutsetninger.<span class=\"_ _5\"></span> Effekten p\u00e5 konsernets result<span class=\"_ _5\"></span>at av </div><div class=\"t m2 x20e hcf y2cab ff24e fs55 fc21 sc0 lsaf wsf6\">alternativ<span class=\"_ _5\"></span>e verdier vil imidlertid v\u00e6re begrenset da investeri<span class=\"_ _5\"></span>ngene eies av DNB Livsforsikring i kollektivportef\u00f8<span class=\"_ _5\"></span>ljen<span class=\"_ _1c5\"> </span>. <span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-19": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Motregning<span class=\"ls0 ws0\"> </span>Masternett<span class=\"_ _5\"></span>ing<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">avtaler, sikrede posisjoner ell<span class=\"_ _5\"></span>er tilsvarende avtaler gir rett til motregning ved mislighol<span class=\"_ _5\"></span>d. En slik avtale reduserer konsernets </span>eksponering v<span class=\"_ _5\"></span>ed mislig<span class=\"wsf6\">hold, m<span class=\"_ _5\"></span>en <span class=\"_ _1\"></span>er ikke p\u00e5 egen h\u00e5nd tilstrekk<span class=\"_ _5\"></span>elig for \u00e5 tilfredsstille kravene ett<span class=\"_ _5\"></span>er IFRS for<span class=\"ls0 ws0\"> </span>motregning i balansen, siden det </span>ogs\u00e5 er et krav om at<span class=\"ls0 ws0\"> </span>det foreligger en juridisk h\u00e5ndhevbar rett, og at<span class=\"ls0 ws0\"> </span>m<span class=\"_ _5\"></span>an l\u00f8pende har til hensikt \u00e5 gj\u00f8re opp kontrakts<span class=\"wscf\">messige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer netto. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-466": {
   "value": "Note K32 Ov<span class=\"_ _1\"></span>erf\u00f8rte eiendeler eller eiendeler med andre r<span class=\"_ _1\"></span>estrik<span class=\"_ _1\"></span>sjoner<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Gjenkj\u00f8ps<span class=\"lsc1 wsce\">- <span class=\"_ _5\"></span></span><span class=\"wsd2\">og salgsavtaler <span class=\"ls0 ws0\"> </span></span>DNB inng\u00e5r gjenkj\u00f8ps<span class=\"lsc1 wsce\">- </span>og salgs<span class=\"_ _5\"></span>avtaler hvor verdipapirer kan bli l\u00e5nt eller solgt, med en betingelse om \u00e5 gjenkj\u00f8pe dem til en fast pris og p\u00e5 en forh\u00e5ndsbestem<span class=\"_ _5\"></span>t dato. Slike v<span class=\"_ _5\"></span>erdipapirer er i<span class=\"_ _5\"></span>kke fraregnet<span class=\"lsc4 ws115\">. </span>Tilsvarende,<span class=\"_ _5\"></span> hvor konsernet l\u00e5ner eller kj\u00f8per verdipapirer med en betingels<span class=\"_ _5\"></span>e om \u00e5 <span class=\"_ _1\"></span>selge diss<span class=\"_ _5\"></span>e tilbake (salgsavtaler), er ver<span class=\"wscf\">di</span>papirene ikke innregnet i balansen.<span class=\"ls0 ws0\"> </span>Verdipapirinnl\u00e5n og <span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"wscf\">utl\u00e5n<span class=\"ls0 ws0\"> </span></span>Verdipapirinnl\u00e5ns<span class=\"_ _5\"></span><span class=\"lsc1 wsce\">- </span><span class=\"wsf6\">og utl\u00e5nstrans<span class=\"_ _5\"></span>aksjoner er inng\u00e5tt med basis i sikkerhetsstil<span class=\"_ _5\"></span>lelse. Kontanter gitt som sikkerhet er fraregnet fra bal<span class=\"_ _5\"></span>ansen, og<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">en </span></span></span>tilh\u00f8rende f<span class=\"_ _5\"></span>ordring er innregnet. Kontanter mottatt som sikkerhet er innregnet i balans<span class=\"_ _5\"></span>en, og en tilh\u00f8rende <span class=\"wscf\">for<span class=\"wsd2\">pliktelse for <span class=\"_ _5\"></span>tilbakelevering er </span></span>innregnet. V<span class=\"_ _5\"></span>erdipapirer l\u00e5nt ut forblir p\u00e5 balansen. L\u00e5nte verdipapirer er ikk<span class=\"_ _5\"></span>e balansef\u00f8rt som eiendeler. N\u00e5r l\u00e5nte verdipap<span class=\"wsd2\">irer <span class=\"_ _5\"></span>er solgt bl<span class=\"_ _5\"></span>ir et </span>bel\u00f8p tilsvarende den virk<span class=\"_ _5\"></span>elige verdien av verdipapirene innregnet<span class=\"_ _5\"></span> som e<span class=\"wsd2\">n forpliktelse.<span class=\"_ _1c5\"> </span></span><table class=\"s w394 h503\" id=\"_b2424f57-560c-40ef-a5a0-215df7fd052a\"><tr><td class=\"c x400 y42eb w71 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff25f fs55 fc21 sc0 lsaf wsf6\">Overf\u00f8rte eiend<span class=\"_ _5\"></span>eler som fortsatt balansef\u00f8res<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42ec w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff261 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42ec w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42ec w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42ed w71 h16d\"><div class=\"t m2 x19f hdc y1da9 ff25f fs53 fc21 sc0 lsab wscb\">Gjenkj<span class=\"_ _5\"></span>\u00f8psavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42ee w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42ee w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">49<span class=\"ls0 ws0\"> </span>469<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42ee w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>119<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42ef w71 h225\"><div class=\"t m2 x19f hdc y1da9 ff25f fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>antesikr<span class=\"_ _5\"></span>ede i<span class=\"_ _5\"></span>nnsk<span class=\"_ _5\"></span>udd enn <span class=\"_ _5\"></span>gjenkj<span class=\"_ _5\"></span>\u00f8psav<span class=\"_ _5\"></span>taler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42f0 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f0 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>914<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff260 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">098</span> </div></td></tr><tr><td class=\"c x400 y42f1 w71 hd9\"><div class=\"t m2 x19f hcc y200f ff260 fs53 fc21 sc0 lsab wscd\">Sum gjen<span class=\"_ _5\"></span>kj\u00f8psav<span class=\"_ _5\"></span>tal<span class=\"_ _5\"></span>er, deri<span class=\"_ _5\"></span>vater<span class=\"_ _5\"></span> og ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rutl\u00e5<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f1 w6f hd9\"><div class=\"t m2 x1ba hcc y200f ff260 fs53 fc21 sc0 lsab wscb\">62<span class=\"ls0 ws0\"> </span>382<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f1 w6e hd9\"><div class=\"t m2 x1ba hcc y200f ff260 fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>217<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42f2 w71 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff25f fs55 fc21 sc0 lsaf wsf6\">Forpliktel<span class=\"_ _5\"></span>ser tilknyttet eiendelene<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x400 y42f3 w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff261 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f3 w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f3 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42f4 w71 h16d\"><div class=\"t m2 x19f hdc y1da9 ff25f fs53 fc21 sc0 lsab wscb\">Gjenkj<span class=\"_ _5\"></span>\u00f8psavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f4 w6f h16d\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">47<span class=\"ls0 ws0\"> </span>728<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f4 w6e h16d\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>598<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y42f5 w71 h1e7\"><div class=\"t m2 x19f hdc y1db0 ff25f fs53 fc21 sc0 lsab wscd\">Andre p<span class=\"_ _5\"></span>antesikr<span class=\"_ _5\"></span>ede i<span class=\"_ _5\"></span>nnsk<span class=\"_ _5\"></span>udd enn <span class=\"_ _5\"></span>gjenkj<span class=\"_ _5\"></span>\u00f8psav<span class=\"_ _5\"></span>taler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f5 w6f h1e7\"><div class=\"t m2 x1ba hcc y1db0 ff260 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>914<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f5 w6e h1e7\"><div class=\"t m2 x248 hcc y1db0 ff260 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">098</span> </div></td></tr><tr><td class=\"c x400 y42f6 w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff260 fs53 fc21 sc0 lsab wscd\">Sum for<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x493 y42f6 w6f hd9\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">60<span class=\"ls0 ws0\"> </span>642<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y42f6 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff260 fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>696<span class=\"ls0 ws0\"> </span></div></td></tr></table>Restriksjo<span class=\"_ _5\"></span>ner fo<span class=\"_ _5\"></span>r konsern<span class=\"_ _5\"></span>ets adgan<span class=\"_ _5\"></span>g til <span class=\"_ _5\"></span>\u00e5 bruke ei<span class=\"_ _5\"></span>end<span class=\"_ _5\"></span>eler<span class=\"ls0 ws0\"> </span>Lokale <span class=\"_ _5\"></span>lovregulerte kapit<span class=\"_ _5\"></span>alkrav<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">kan medf\u00f8re at DNB<span class=\"ls0 ws0\">-</span>konsernet ikke kan disponere eller overf\u00f8re ei<span class=\"_ _5\"></span>endeler og gj\u00f8re opp gjeld fritt mellom </span>enhetene i k<span class=\"_ _5\"></span>onsernet. <span class=\"ls0 ws0\"> </span>Det foreligger f\u00f8l<span class=\"_ _5\"></span>gende restriksjoner for konsernets adgang til \u00e5 bruke eiendeler:<span class=\"ls0 ws0\"> </span><span class=\"ff260\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Konsernet har stilt ei<span class=\"_ _5\"></span>endeler som sikkerhet for sine forpliktelser og utstedt<span class=\"_ _5\"></span>e obligasjoner med fortrinnsrett (sikk<span class=\"_ _5\"></span>erhetsmass<span class=\"wsd2\">e). Kons<span class=\"_ _5\"></span>ernet har </span></span></span>stilt sikkerhet<span class=\"_ _5\"></span> for forpliktelser i finansielle derivat<span class=\"_ _5\"></span>er. Se note K16 Finansielle derivater og sikringsbokf\u00f8ring<span class=\"ls0 ws0\"> </span>f<span class=\"_ _5\"></span>or mer informasjon.<span class=\"ls0 ws0\"> </span><span class=\"ff260\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene i konsoli<span class=\"_ _5\"></span>derte strukturerte enheter (investeri<span class=\"_ _5\"></span>ngsfond) forvaltes p\u00e5 vegne av andre parter som har kj\u00f8pt andeler i <span class=\"wscf\">fondene. </span></span></span>Minoritet<span class=\"_ _5\"></span>ens eiendeler i slike fond utgjorde henholdsvis 2 372 og 1 966 millioner kroner ved utgangen av 2025 og 2024. Det<span class=\"ls0 ws0\"> </span>er innregnet en tilsvarende forpli<span class=\"_ _5\"></span>ktelse p\u00e5 balansen.<span class=\"ls0 ws0\"> </span><span class=\"ff260\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Eiendelene s<span class=\"_ _5\"></span>om forvaltes av DNB <span class=\"_ _1\"></span>Livsf<span class=\"_ _5\"></span>orsikring AS, dekker hovedsakelig forplikt<span class=\"_ _5\"></span>elser til selskapenes forsikringsk<span class=\"_ _5\"></span>under. Ved utgangen av </span></span>2025 utgjorde de samlede eiendelene i DNB Livsfors<span class=\"_ _5\"></span>ikring<span class=\"ls0 ws0\"> </span>459 300 millioner kroner, mot 418 436 millioner ved utgangen av 2024. Eiendelene inkluderer F<span class=\"_ _5\"></span>inansielle eiendeler, k<span class=\"_ _5\"></span>unden b\u00e6rer risikoen.<table class=\"s w395 h504\" id=\"_46833c4c-f774-4b7a-96c1-84a658dd32cd\"><tr><td class=\"c x443 y42f7 w111 h20f\"><div class=\"t m2 x248 h12c y2cfd ff26a fs59 fc21 sc0 lsb8 wsfe\">Sikker<span class=\"_ _1\"></span>hetsm<span class=\"_ _1\"></span>asse D<span class=\"_ _1\"></span>NB Bo<span class=\"_ _1\"></span>ligkr<span class=\"_ _1\"></span>editt<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x4ea y42f8 w1c5 hda\"><div class=\"t m2 x19f hd8 y1dae ff26b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42f8 w6e hda\"><div class=\"t m2 x20f hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42f8 w6e hda\"><div class=\"t m2 x20f hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42f9 w1c5 h11f\"><div class=\"t m2 x19f hcc y1db0 ff269 fs53 fc21 sc0 lsab wscd\">L\u00e5n sikr<span class=\"_ _5\"></span>et ved <span class=\"_ _5\"></span>pant i <span class=\"_ _5\"></span>bolig,<span class=\"_ _5\"></span> atkoms<span class=\"_ _5\"></span>tdok<span class=\"_ _5\"></span>ument ti<span class=\"_ _5\"></span>l bolig <span class=\"_ _5\"></span>eller<span class=\"_ _5\"></span> boretts<span class=\"_ _5\"></span>lagsa<span class=\"_ _5\"></span>ndel (<span class=\"_ _5\"></span>bolighy<span class=\"_ _5\"></span>potekl<span class=\"_ _5\"></span>\u00e5n)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42f9 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff269 fs53 fc21 sc0 lsab wscb\">735<span class=\"ls0 ws0\"> </span>727<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42f9 w6e h11f\"><div class=\"t m2 x247 hcc y1db0 ff269 fs53 fc21 sc0 lsab wscb\">723<span class=\"ls0 ws0\"> </span>955<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ee y42fa w396 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff269 fs53 fc21 sc0 lsab wscd\">Fordring<span class=\"_ _5\"></span>er i fo<span class=\"_ _5\"></span>rm av <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>avtal<span class=\"_ _5\"></span>er</div><div class=\"t m2 x4ed h121 y3ebb ff269 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4eb y42fb w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>435<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42fb w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>996<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42fc w1c5 h13b\"><div class=\"t m2 x19f hcc y1dc1 ff269 fs53 fc21 sc0 ls0 ws0\">Sikkerhetsmasse<span class=\"_ _5\"></span> </div></td><td class=\"c x4eb y42fc w6e h13b\"><div class=\"t m2 x247 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">775<span class=\"ls0 ws0\"> </span>161<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42fc w6e h13b\"><div class=\"t m2 x247 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">763<span class=\"ls0 ws0\"> </span>951<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42fd w1c5 hda\"><div class=\"t m2 x19f hcc y1dae ff269 fs53 fc21 sc0 lsab wscd\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d, bo<span class=\"_ _5\"></span>kf\u00f8rt v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42fd w6e hda\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">509<span class=\"ls0 ws0\"> </span>399<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y42fd w6e hda\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">472<span class=\"ls0 ws0\"> </span>378<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y42fe w1c5 hdb\"><div class=\"t m2 x19f hcc y1db0 ff269 fs53 fc21 sc0 lsab wscd\">Verdivur<span class=\"_ _5\"></span>dering<span class=\"_ _5\"></span>sendri<span class=\"_ _5\"></span>nger s<span class=\"_ _5\"></span>om ka<span class=\"_ _5\"></span>n henf<span class=\"_ _5\"></span>\u00f8res til k<span class=\"_ _5\"></span>reditt<span class=\"_ _5\"></span>risiko <span class=\"_ _5\"></span>p\u00e5 gjel<span class=\"_ _5\"></span>d bokf<span class=\"_ _5\"></span>\u00f8rt til v<span class=\"_ _5\"></span>irkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y42fe w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff269 fs53 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x4ec y42fe w6e hdb\"><div class=\"t m2 x227 hcc y1db0 ff269 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ee y42ff w397 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff269 fs53 fc21 sc0 lsab wscd\">Gjeld i<span class=\"_ _5\"></span> form av <span class=\"_ _5\"></span>derivat<span class=\"_ _5\"></span>avt<span class=\"_ _5\"></span>aler</div><div class=\"t m2 x4ef h121 y3ebb ff269 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4eb y4300 w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>864<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4300 w6e hde\"><div class=\"t m2 x1ba hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>343<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ee y4301 w398 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff269 fs53 fc21 sc0 lsab wscd\">Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d, ve<span class=\"_ _5\"></span>rdi i he<span class=\"_ _5\"></span>nhold til<span class=\"_ _5\"></span> fors<span class=\"_ _5\"></span>krift</div><div class=\"t m2 x4f0 h121 y3ebb ff269 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4eb y4302 w6e h151\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">530<span class=\"ls0 ws0\"> </span>264<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4302 w6e h151\"><div class=\"t m2 x247 hcc y1dae ff269 fs53 fc21 sc0 lsab wscb\">491<span class=\"ls0 ws0\"> </span>737<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4ea y4303 w1c5 h136\"><div class=\"t m2 x19f hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscd\">Sikker<span class=\"_ _5\"></span>hetsma<span class=\"_ _5\"></span>ssens fyl<span class=\"_ _5\"></span>lings<span class=\"_ _5\"></span>grad <span class=\"_ _5\"></span>(prose<span class=\"_ _5\"></span>nt)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4eb y4303 w6e h136\"><div class=\"t m2 x248 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">146,2<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4303 w6e h136\"><div class=\"t m2 x248 hcc y1dc1 ff269 fs53 fc21 sc0 lsab wscb\">155,4<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4304 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff26b fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y4304 w399 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff26b fs53 fc21 sc0 lsab wscd\">Utste<span class=\"_ _5\"></span>dt ver<span class=\"_ _5\"></span>dipapi<span class=\"_ _5\"></span>rgjeld<span class=\"_ _5\"></span> er obl<span class=\"_ _5\"></span>igasjon<span class=\"_ _5\"></span>er <span class=\"_ _5\"></span>med fortri<span class=\"_ _5\"></span>nns<span class=\"_ _5\"></span>rett i <span class=\"_ _5\"></span>den tilh<span class=\"_ _5\"></span>\u00f8rende s<span class=\"_ _5\"></span>ikke<span class=\"_ _5\"></span>rhetsm<span class=\"_ _5\"></span>asse<span class=\"_ _5\"></span>n. Samm<span class=\"_ _5\"></span>enset<span class=\"_ _5\"></span>ningen<span class=\"_ _5\"></span> og ve<span class=\"_ _5\"></span>rdibere<span class=\"_ _5\"></span>gninge<span class=\"_ _5\"></span>n i sikk<span class=\"_ _5\"></span>erhets<span class=\"_ _5\"></span>mass<span class=\"_ _5\"></span>en er<span class=\"_ _1c5\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x42c y3e64 w39a h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff26b fs53 fc21 sc0 lsab wscd\">definer<span class=\"_ _5\"></span>t i par<span class=\"_ _5\"></span>agraf 11<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span>8 og<span class=\"_ _5\"></span> 11<span class=\"ls0 ws0\">-</span>11 i fi<span class=\"_ _5\"></span>nan<span class=\"_ _5\"></span>sforeta<span class=\"_ _5\"></span>kslov<span class=\"_ _5\"></span>en med ti<span class=\"_ _5\"></span>lh\u00f8<span class=\"_ _5\"></span>rende fo<span class=\"_ _5\"></span>rskrif<span class=\"_ _5\"></span>ter.<span class=\"_ _1c5\"> </span></div></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-20": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Eiendommer som eies for \u00e5 oppn\u00e5 avkastning gjennom leie<span class=\"wsd2\">i<span class=\"_ _5\"></span>nntekter og verdist<span class=\"_ _5\"></span>igning, pres<span class=\"_ _5\"></span>enteres som investeri<span class=\"_ _5\"></span>ngs<span class=\"wscf\">eien</span></span>dommer i balansen. Eiendom som i hovedsak benyttes til egen virksomhet, present<span class=\"_ _5\"></span>eres som eierbenyttet eiendom.<span class=\"ls0 ws0\"> </span>Investeri<span class=\"_ _5\"></span>ngseiendommer og eierbenyttet eiendom m\u00e5les ved f\u00f8rstegangs balans<span class=\"_ _5\"></span>ef\u00f8ring til kostpris inkludert anskaffel<span class=\"_ _5\"></span>sesutgifte<span class=\"lscf ws126\">r.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>I etterf\u00f8l<span class=\"_ _5\"></span>gende perioder m\u00e5les investeringseiendommer og eierbenytt<span class=\"_ _5\"></span>et eiendom til virkelig verdi ved \u00e5 diskontere forventede fram<span class=\"_ _5\"></span>tidige netto kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer til n\u00e5verdi. Det foretas derfor ikke \u00e5rlige avskriv<span class=\"_ _5\"></span>ninger av inve</span>sterings<span class=\"_ _5\"></span><span class=\"wsf6\">eiendommer. Det benyttes intern og ekstern eien<span class=\"lsbd ws104\">dom<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>ekspertis<span class=\"_ _5\"></span>e til verdivurderingene. Det innhentes et utvalg av eksterne takst<span class=\"_ _5\"></span>er som sammenholdes med interne verdivurderinger for k<span class=\"_ _5\"></span>ontrollform\u00e5l. Det gj\u00f8res i tillegg analys<span class=\"_ _5\"></span>er av endringer fra forrige periode, samt sensitivitetsv<span class=\"_ _5\"></span>urderinger for ulike anslag p\u00e5 parameterverdier s<span class=\"_ _5\"></span>om inng\u00e5r i en totalvurdering av v<span class=\"_ _5\"></span>irkelig verdi<span class=\"ls0 ws0\">-</span>m\u00e5lingen. V<span class=\"_ _5\"></span>erdsettelsesleverand\u00f8rer f\u00f8lges<span class=\"_ _5\"></span> ogs\u00e5 opp l\u00f8pende gjennom dialog og foresp\u00f8rsler knyttet til verd<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>settels<span class=\"_ _5\"></span>ene av enkelt<span class=\"wsd2\">eiendommer. Verdiendring <span class=\"_ _5\"></span>fo</span>r investerings<span class=\"_ _5\"></span>eiendommer innen livsforsikring res<span class=\"_ _5\"></span>ultatf\u00f8res under \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb. Verdiendring for \u00f8vri<span class=\"_ _5\"></span>ge investeringseiendommer i konsernet framk<span class=\"_ _5\"></span>ommer p\u00e5 linjen \u00abNetto gevinster p\u00e5 investeringsei<span class=\"_ _5\"></span>endom\u00bb i resultatet.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-409": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K35 In<span class=\"_ _1\"></span>ves<span class=\"_ _1\"></span>teringseiendommer</div><div class=\"c w73 h147 gs19f\"><div class=\"t m2 x20e hcf y20c1 ff27a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2762 ff279 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2763 ff27a fs55 fc21 sc0 lsaf wsf6\">Eiendommer som eies for \u00e5 oppn\u00e5 avkastning gjennom leie<span class=\"wsd2\">i<span class=\"_ _5\"></span>nntekter og verdist<span class=\"_ _5\"></span>igning, pres<span class=\"_ _5\"></span>enteres som investeri<span class=\"_ _5\"></span>ngs<span class=\"wscf\">eien</span></span>dommer i balansen. </div><div class=\"t m2 x20e hcf y2764 ff27a fs55 fc21 sc0 lsaf wsf6\">Eiendom som i hovedsak benyttes til egen virksomhet, present<span class=\"_ _5\"></span>eres som eierbenyttet eiendom.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y277d ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y277e ff27a fs55 fc21 sc0 lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendommer og eierbenyttet eiendom m\u00e5les ved f\u00f8rstegangs balans<span class=\"_ _5\"></span>ef\u00f8ring til kostpris inkludert anskaffel<span class=\"_ _5\"></span>sesutgifte<span class=\"lscf ws126\">r.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2dc9 ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2dca ff27a fs55 fc21 sc0 lsaf wsf6\">I etterf\u00f8l<span class=\"_ _5\"></span>gende perioder m\u00e5les investeringseiendommer og eierbenytt<span class=\"_ _5\"></span>et eiendom til virkelig verdi ved \u00e5 diskontere forventede fram<span class=\"_ _5\"></span>tidige netto </div><div class=\"t m2 x20e hcf y2780 ff27a fs55 fc21 sc0 lsaf wscf\">kontant<span class=\"wsf6\">st<span class=\"_ _5\"></span>r\u00f8mmer til n\u00e5verdi. Det foretas derfor ikke \u00e5rlige avskriv<span class=\"_ _5\"></span>ninger av inve</span>sterings<span class=\"_ _5\"></span><span class=\"wsf6\">eiendommer. Det benyttes intern og ekstern eien<span class=\"lsbd ws104\">dom<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span></div><div class=\"t m2 x20e hcf y2781 ff27a fs55 fc21 sc0 lsaf wsf6\">ekspertis<span class=\"_ _5\"></span>e til verdivurderingene. Det innhentes et utvalg av eksterne takst<span class=\"_ _5\"></span>er som sammenholdes med interne verdivurderinger for k<span class=\"_ _5\"></span>ontrollform\u00e5l. </div><div class=\"t m2 x20e hcf y20cb ff27a fs55 fc21 sc0 lsaf wsf6\">Det gj\u00f8res i tillegg analys<span class=\"_ _5\"></span>er av endringer fra forrige periode, samt sensitivitetsv<span class=\"_ _5\"></span>urderinger for ulike anslag p\u00e5 parameterverdier s<span class=\"_ _5\"></span>om inng\u00e5r i en </div><div class=\"t m2 x20e hcf y276a ff27a fs55 fc21 sc0 lsaf wsf6\">totalvurdering av v<span class=\"_ _5\"></span>irkelig verdi<span class=\"ls0 ws0\">-</span>m\u00e5lingen. V<span class=\"_ _5\"></span>erdsettelsesleverand\u00f8rer f\u00f8lges<span class=\"_ _5\"></span> ogs\u00e5 opp l\u00f8pende gjennom dialog og foresp\u00f8rsler knyttet til verd<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y276b ff27a fs55 fc21 sc0 lsaf wsf6\">settels<span class=\"_ _5\"></span>ene av enkelt<span class=\"wsd2\">eiendommer. Verdiendring <span class=\"_ _5\"></span>fo</span>r investerings<span class=\"_ _5\"></span>eiendommer innen livsforsikring res<span class=\"_ _5\"></span>ultatf\u00f8res under \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb. </div><div class=\"t m2 x20e hcf y2dcb ff27a fs55 fc21 sc0 lsaf wsf6\">Verdiendring for \u00f8vri<span class=\"_ _5\"></span>ge investeringseiendommer i konsernet framk<span class=\"_ _5\"></span>ommer p\u00e5 linjen \u00abNetto gevinster p\u00e5 investeringsei<span class=\"_ _5\"></span>endom\u00bb i resultatet. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2dcc ff27a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2dcd ff27a fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs1a0\"><table class=\"s w394 h507\" id=\"_8155f262-22f5-462b-950c-801c7bb897d3\"><tr><td class=\"c x400 y4318 w71 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff27b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y4318 w6f hd7\"><div class=\"t m2 x20f hcc y1da9 ff27a fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4318 w6e hd7\"><div class=\"t m2 x20f hcc y1da9 ff27a fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4319 w71 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff27a fs53 fc21 sc0 ls0 wsc9\">DNB Livsforsikrin<span class=\"_ _5\"></span>g<span class=\"ws0\"> </span></div></td><td></td><td class=\"c x493 y4319 w6f hdd\"><div class=\"t m2 x1ba hcc y1dc1 ff27a fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>692<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y4319 w6e hdd\"><div class=\"t m2 x1ba hcc y1dc1 ff27a fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>485<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y431a w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff27a fs53 fc21 sc0 lsab wscd\">Eiendom<span class=\"_ _5\"></span>mer til <span class=\"_ _5\"></span>eget b<span class=\"_ _5\"></span>ruk<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y431a w6f hdb\"><div class=\"t m2 x19e hcc y1db0 ff27a fs53 fc21 sc0 lsb2 wsf1\">(6<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">167</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x494 y431a w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff27a fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">825</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x40f y431b w39b h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff27a fs53 fc21 sc0 lsab wscd\">\u00d8vrige in<span class=\"_ _5\"></span>vest<span class=\"_ _5\"></span>erings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>ommer</div><div class=\"t m2 x4f2 h121 y3ebb ff27a fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x493 y431c w6f hdb\"><div class=\"t m2 x0 hcc y1dae ff27a fs53 fc21 sc0 lsab wscb\">258<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x494 y431c w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff27a fs53 fc21 sc0 lsab wscb\">544<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y431d w71 hd9\"><div class=\"t m2 x19f hdc y1da9 ff279 fs53 fc21 sc0 lsab wscd\">Sum inve<span class=\"_ _5\"></span>ster<span class=\"_ _5\"></span>ingseie<span class=\"_ _5\"></span>ndommer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x493 y431d w6f hd9\"><div class=\"t m2 x248 hdc y1da9 ff279 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">783</span> </div></td><td class=\"c x494 y431d w6e hd9\"><div class=\"t m2 x248 hdc y1da9 ff279 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">205</span> </div></td></tr><tr><td class=\"c x3f6 y432c w39c h508\"><div class=\"t m2 x3f4 hd8 y431e ff27b fs53 fc21 sc0 lsab wscb\">1</div><div class=\"t m2 x3f4 hcf y431f ff27a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12e y4320 ff279 fs5a fc21 sc0 lsba ws105\">Investeri<span class=\"_ _1\"></span>ngseiendom i DNB Livsfo<span class=\"_ _1\"></span>rsikring<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 hcf y4321 ff27a fs55 fc21 sc0 lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendommene i DNB Livsforsikring inng\u00e5r som en del av midlene i kollektivportef<span class=\"_ _5\"></span>\u00f8ljen og holdes med tanke p\u00e5 \u00e5 oppn\u00e5 lang<span class=\"lsbf ws107\">si<span class=\"_ _1\"></span>ktig </span></div><div class=\"t m2 x3f4 hcf y4322 ff27a fs55 fc21 sc0 lsaf wsd2\">avkastni<span class=\"_ _5\"></span>ng for kundene. E<span class=\"_ _5\"></span>iendomsportef\u00f8lj<span class=\"_ _5\"></span>en m\u00e5les til v<span class=\"_ _5\"></span>irkelig verdi<span class=\"_ _5\"></span> p\u00e5 balansedagen.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span><span class=\"wsf6\">Investeringsei<span class=\"_ _5\"></span>endommene er lokalisert i Oslo og andre </span></div><div class=\"t m2 x3f4 hcf y4323 ff27a fs55 fc21 sc0 lsaf wsf6\">sentrale norsk<span class=\"_ _5\"></span>e byer. Portef\u00f8ljen verdsettes ved hjelp av en intern verdivurderingsm<span class=\"_ _5\"></span>odell, og er dermed p\u00e5 niv\u00e5 3 i <span class=\"_ _1\"></span>verdsett<span class=\"_ _5\"></span>elseshierarkiet. I </div><div class=\"t m2 x3f4 hcf y4324 ff27a fs55 fc21 sc0 lsaf wsf6\">tillegg i<span class=\"_ _5\"></span>nnhentes eksterne takster for et utvalg av eiendommer p\u00e5 rullerende basis gjennom \u00e5ret.<span class=\"ls0 ws0\"> </span>Ut<span class=\"_ _5\"></span>valget utgj\u00f8r n\u00e6rmere 94 prosent av </div><div class=\"t m2 x3f4 hcf y4325 ff27a fs55 fc21 sc0 lsaf wscf\">portef\u00f8lj<span class=\"_ _5\"></span>everdien. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y4326 ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4327 ff27a fs55 fc21 sc0 lsaf wsf6\">Den interne modell<span class=\"_ _5\"></span>en beregner virkelig verdi som n\u00e5verdi av framtidige kontantstr\u00f8mmer i og etter utl\u00f8p av kontraktsperi<span class=\"_ _5\"></span>oden.<span class=\"ls0 ws0\"> <span class=\"lsbd ws104\">Av<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>ast<span class=\"_ _5\"></span>ni<span class=\"_ _5\"></span>ngs<span class=\"_ _5\"></span></span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4328 ff27a fs55 fc21 sc0 lsaf wsf6\">kravet i modellen reflekt<span class=\"_ _5\"></span>erer markedsrisikoen. Ved utgangen av 2025 ble det i all hovedsak benyttet et avkastningskrav p\u00e5 <span class=\"lsd6 ws133\">8,<span class=\"_ _5\"></span>5 </span>el<span class=\"_ _5\"></span>ler 8,<span class=\"wscf\">7 prosent. </span></div><div class=\"t m2 x3f4 hcf y4329 ff27a fs55 fc21 sc0 lsaf wsf6\">Det gj\u00f8res noen individuel<span class=\"_ _5\"></span>le vurderinger av avkastningskravet p\u00e5 segmentniv<span class=\"_ _5\"></span>\u00e5. Modellen benytter samme avkastningskrav for kon<span class=\"wscf\">tantst<span class=\"_ _5\"></span>r\u00f8mmer </span></div><div class=\"t m2 x3f4 hcf y432a ff27a fs55 fc21 sc0 lsaf wsf6\">b\u00e5de i og utenfor kontrakts<span class=\"wscf\">perioden.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x3f4 he2 y432b ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y3fb6 ff27a fs55 fc21 sc0 lsaf wsf6\">Spesifikk eiendomsri<span class=\"_ _5\"></span>siko tas hensyn til i kontantstr\u00f8mm<span class=\"_ _5\"></span>en blant annet gjennom kontraktsfestet leie og framtidig markedsl<span class=\"_ _5\"></span>eie, <span class=\"wscf\">driftskostnader, </span></div></td><td class=\"c x421 y3e64 w39d h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff27b fs53 fc21 sc0 lsab wscd\">\u00d8vrig<span class=\"_ _5\"></span>e inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>ngseie<span class=\"_ _5\"></span>ndom<span class=\"_ _5\"></span>mer er i h<span class=\"_ _5\"></span>oveds<span class=\"_ _5\"></span>ak kny<span class=\"_ _5\"></span>ttet til <span class=\"_ _5\"></span>overt<span class=\"_ _5\"></span>atte sel<span class=\"_ _5\"></span>skap<span class=\"_ _5\"></span>er.<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"gs1a1\"><table class=\"s w39e h509\" id=\"_151d999e-054e-490b-89f1-fc2302d5db75\"><tr><td class=\"c x4f5 y4333 w39f h50a\"><div class=\"t m2 x4f3 hd0 y432d ff279 fs2e fc21 sc0 lsad ws60\">Bel\u00f8p ink<span class=\"_ _1\"></span>ludert i result<span class=\"_ _1\"></span>atregn<span class=\"_ _1\"></span>skapet<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x4f4 hcf y432e ff27a fs55 fc21 sc0 lsaf wscf\">forutsett<span class=\"_ _5\"></span>inger.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x3f4 he2 y432f ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 he2 y4330 ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 he2 y4331 ff27a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x4f4 hcf y4332 ff27a fs55 fc21 sc0 ls0 ws0\"> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y41cc w71 hd7\"><div class=\"t m2 x19f hd8 y200f ff27b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4f5 y4335 w3a0 h50b\"><div class=\"t m2 x4f6 hcc y3edf ff27a fs53 fc21 sc0 lsab wscb\">2025<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y4334 ff27a fs55 fc21 sc0 lsaf wsf6\">Ved utgangen av 2025<span class=\"ls0 ws0\"> </span>var den \u00f8konomiske l<span class=\"_ _5\"></span>edigheten<span class=\"ls0 ws0\"> </span>i portef\u00f8ljen <span class=\"wscf\">3,</span>8 prosent mot 3,3 prosent ved utgangen av 2024<span class=\"lsbb ws102\">. </span></div></td><td class=\"c x4f5 y4335 w3a1 h50c\"><div class=\"t m2 x4f7 hcc y3edf ff27a fs53 fc21 sc0 lsab wscb\">2024<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y4336 ff27a fs55 fc21 sc0 lsaf wsf6\">n\u00f8dvendige invest<span class=\"_ _5\"></span>eringer, leietakertil<span class=\"_ _5\"></span>pasninger ved kontraktsutl\u00f8p, sannsy<span class=\"_ _5\"></span>nlighet for ledighet og justering av vekstf<span class=\"_ _5\"></span>aktor (Norges Banks </div><div class=\"t m2 x3f4 hcf y4337 ff27a fs55 fc21 sc0 lsaf wscf\">inflasjonsm\u00e5l<span class=\"_ _5\"></span>). <span class=\"wsf6\">S\u00e6rskilt eiendomsrisiko b\u00e6res av forsik<span class=\"_ _5\"></span>ringstakerne, unntatt i den utstrek<span class=\"_ _5\"></span>ning den samlede felles portef\u00f8ljen, herunder </span></div><div class=\"t m2 x3f4 hcf y4338 ff27a fs55 fc21 sc0 lsaf wsf6\">investerings<span class=\"_ _5\"></span>eiendommer og finansielle eiendeler, skull<span class=\"_ _5\"></span>e oppn\u00e5 faktisk avkastning som er lavere enn garantirenten. Se note K43 Forsikrings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x3f4 hcf y4339 ff27a fs55 fc21 sc0 lsaf wsf6\">forpliktel<span class=\"_ _5\"></span>ser for en n\u00e6rmere beskrivelse av risiko i konsernets forsikringsv<span class=\"_ _5\"></span>irksomhet, som ogs\u00e5 inkluderer sensitiv<span class=\"_ _5\"></span>iteter for<span class=\"ls0 ws0\"> </span><span class=\"wscf\">alternativ<span class=\"_ _5\"></span>e </span></div><div class=\"t m2 x3f4 hcf y433a ff27a fs55 fc21 sc0 lsaf wsf6\">Gjennom 2025<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">gikk s<span class=\"_ _5\"></span>amlet kontraktsl<span class=\"_ _5\"></span>eie for den <span class=\"_ _5\"></span>100 pros</span>ent eide portef\u00f8l<span class=\"_ _5\"></span>jen i Norge opp med 45 millioner kroner til <span class=\"ls0 ws0\">9</span><span class=\"wscf\">06 <span class=\"wsd2\">millioner. I samme </span></span></div></td></tr><tr><td class=\"c x3db y41cd w71 h11f\"><div class=\"t m2 x19f hcc y1db0 ff27a fs53 fc21 sc0 lsab wscd\">Leieinnt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>ngsei<span class=\"_ _5\"></span>endomm<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y41cd w6f h11f\"><div class=\"t m2 x0 hcc y1db0 ff27a fs53 fc21 sc0 lsab wscb\">308<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y41cd w6e h11f\"><div class=\"t m2 x0 hcc y1db0 ff27a fs53 fc21 sc0 lsab wscb\">449<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y433b w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff27a fs53 fc21 sc0 lsab wscd\">Direkte k<span class=\"_ _5\"></span>ostn<span class=\"_ _5\"></span>ader kny<span class=\"_ _5\"></span>ttet t<span class=\"_ _5\"></span>il inves<span class=\"_ _5\"></span>terin<span class=\"_ _5\"></span>gseien<span class=\"_ _5\"></span>dommer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y433b w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff27a fs53 fc21 sc0 lsb2 wsf1\">(70)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y433b w6e hde\"><div class=\"t m2 x249 hcc y1da9 ff27a fs53 fc21 sc0 lsb2 wsf1\">(84)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x4f5 y3e64 w3a2 h50d\"><div class=\"t m2 x4f3 hcc y3e5d ff27a fs53 fc21 sc0 lsab wscb\">Sum<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y433c ff27a fs55 fc21 sc0 lsaf wsf6\">periode gikk vurdert markeds<span class=\"_ _5\"></span>leie for den samme portef\u00f8ljen <span class=\"wscf\">opp<span class=\"ls0 ws0\"> </span>med <span class=\"ls0 ws0\">2</span></span>8 millioner kroner t<span class=\"_ _5\"></span>il 898<span class=\"ls0 ws0\"> <span class=\"lsb9 wsff\">million<span class=\"_ _1\"></span>er.<span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x3f4 hcf y433d ff27a fs55 fc21 sc0 lsaf wscf\">Verdivurderingene <span class=\"_ _5\"></span><span class=\"lsbc ws103\">f\u00f8rte<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> <span class=\"lsb9 wsff\">til <span class=\"lsaf wscf\">oppskrivning</span></span> <span class=\"lsaf wsf6\">av ei<span class=\"_ _5\"></span>endomsportef\u00f8ljen</span> <span class=\"lsbd ws104\">m<span class=\"_ _5\"></span>ed <span class=\"lsaf wsf6\">937 mill<span class=\"_ _5\"></span>ioner kroner i 2025. </span></span> </span></span></div></td><td class=\"c x3dd y433e w6f hd9\"><div class=\"t m2 x0 hcc y1db0 ff27a fs53 fc21 sc0 lsab wscb\">238<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y433e w6e hd9\"><div class=\"t m2 x0 hcc y1db0 ff27a fs53 fc21 sc0 lsab wscb\">365<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gsd3\"><table class=\"s w395 h50e\" id=\"_cc92f8e5-535f-44ef-8b93-62bdcdb3d0c8\"><tr><td></td><td class=\"c x4f8 y433f w71 h139\"><div class=\"t m2 x19f hd0 y1fa7 ff27d fs2e fc21 sc0 lsad ws60\">Verdiendring<span class=\"_ _1\"></span>er invest<span class=\"_ _1\"></span>eringseien<span class=\"_ _1\"></span>dommer<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4f8 y4340 w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff27e fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4f8 y4341 w71 hd9\"><div class=\"t m2 x19f hdc y1dae ff27d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2023<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4341 w6e hd9\"><div class=\"t m2 x248 hdc y1dae ff27d fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">454</span> </div></td></tr><tr><td></td><td class=\"c x4f8 y4342 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff27c fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span>, kj\u00f8p <span class=\"_ _5\"></span>av nye <span class=\"_ _5\"></span>eiendom<span class=\"_ _5\"></span>mer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4342 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff27c fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y4343 w71 hda\"><div class=\"t m2 x19f hcc y1dc1 ff27c fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span>, aktiv<span class=\"_ _5\"></span>ering av<span class=\"_ _5\"></span> inve<span class=\"_ _5\"></span>sterin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4343 w6e hda\"><div class=\"t m2 x0 hcc y1dc1 ff27c fs53 fc21 sc0 lsab wscb\">488<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y4344 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff27c fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinst<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4344 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff27c fs53 fc21 sc0 lsab wscb\">243<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y4345 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff27c fs53 fc21 sc0 lsab wscb\">Avhendel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4345 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff27c fs53 fc21 sc0 lsab wscb\">(882)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y4346 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff27c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4346 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff27c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">120</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y4347 w71 hda\"><div class=\"t m2 x19f hcc y1dc1 ff27c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4347 w6e hda\"><div class=\"t m2 x1b6 hcc y1dc1 ff27c fs53 fc21 sc0 ls0 ws0\">5 </div></td></tr><tr><td></td><td class=\"c x4f8 y4348 w71 hdd\"><div class=\"t m2 x19f hdc y1db0 ff27d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4348 w6e hdd\"><div class=\"t m2 x248 hdc y1db0 ff27d fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">205</span> </div></td></tr><tr><td></td><td class=\"c x4f8 y4349 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff27c fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span>, kj\u00f8p <span class=\"_ _5\"></span>av nye <span class=\"_ _5\"></span>eiendom<span class=\"_ _5\"></span>mer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4349 w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff27c fs53 fc21 sc0 lsb2 wsf1\">(76)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y434a w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff27c fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span>, aktiv<span class=\"_ _5\"></span>ering av<span class=\"_ _5\"></span> inve<span class=\"_ _5\"></span>sterin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y434a w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff27c fs53 fc21 sc0 lsab wscb\">397<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x4fa y434b w3a3 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff27c fs53 fc21 sc0 lsab wscd\">Netto g<span class=\"_ _5\"></span>evinst</div><div class=\"t m2 x4f9 h121 y3e5e ff27c fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4ec y434c w6e hda\"><div class=\"t m2 x1b6 hcc y1dc1 ff27c fs53 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td></td><td class=\"c x4f8 y434d w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff27c fs53 fc21 sc0 lsab wscb\">Avhendel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y434d w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff27c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">627</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y434e w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff27c fs53 fc21 sc0 lsab wscd\">Overf\u00f8<span class=\"_ _5\"></span>ring til <span class=\"_ _5\"></span>eiendel<span class=\"_ _5\"></span>er, ku<span class=\"_ _5\"></span>nder <span class=\"_ _5\"></span>b\u00e6rer ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y434e w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff27c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">124</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x4f8 y434f w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff27c fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y434f w6e hde\"><div class=\"t m2 x1b6 hcc y1da9 ff27c fs53 fc21 sc0 ls0 ws0\">9 </div></td></tr><tr><td></td><td class=\"c x4f8 y4350 w71 hdd\"><div class=\"t m2 x19f hdc y1dc1 ff27d fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ec y4350 w6e hdd\"><div class=\"t m2 x248 hdc y1dc1 ff27d fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">783</span> </div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff27e fs53 fc21 sc0 ls0 ws0\">1</div></td><td class=\"c x410 y3e64 w3a4 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff27e fs53 fc21 sc0 ls0 ws0\"><span class=\"lsb2 wsf2\">Hera<span class=\"_ _5\"></span>v n<span class=\"lsab wscb\">ett<span class=\"_ _5\"></span>o <span class=\"lsaa wscd\">tap</span></span></span> <span class=\"lsab wscd\">p\u00e5 i<span class=\"_ _5\"></span>nves<span class=\"_ _5\"></span>terings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>omm<span class=\"_ _5\"></span>er utenfo<span class=\"_ _5\"></span>r DNB <span class=\"_ _5\"></span>Livsfors<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>g</span>: <span class=\"lsab wscb\">10</span> <span class=\"lsab wscd\">mi<span class=\"_ _5\"></span>llione<span class=\"_ _5\"></span>r kron<span class=\"_ _5\"></span>er.</span></div></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-410": {
   "value": "<div class=\"c w73 h255 gs1a5\"><div class=\"t m2 x20e hcf y2e20 ff286 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2e21 ff285 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2e49 ff286 fs55 fc21 sc0 lsaf wsf6\">Tilknyttede selsk<span class=\"_ _5\"></span>aper og felleskontrollerte virksom<span class=\"_ _5\"></span>heter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2e23 ff286 fs55 fc21 sc0 lsaf wsf6\">Tilknyttede selsk<span class=\"_ _5\"></span>aper og felleskontrollerte virksom<span class=\"_ _5\"></span>heter regnskapsf\u00f8res etter egenk<span class=\"_ _5\"></span>apitalmetoden, hvor DNBs andel av over<span class=\"lsc1 wsce\">- </span>eller underskudd </div><div class=\"t m2 x20e hcf y2e24 ff286 fs55 fc21 sc0 lsaf wsf6\">er basert p\u00e5 selskapenes nett<span class=\"_ _5\"></span>oresultat justert for DNBs eierandel. Andelen av over<span class=\"lsc1 wsce\">- </span>eller underskudd fra tilknyt<span class=\"_ _5\"></span>ted<span class=\"wsd2\">e selskaper og </span></div><div class=\"t m2 x20e hcf y2e25 ff286 fs55 fc21 sc0 lsaf wsf6\">felleskont<span class=\"_ _5\"></span>rollerte virksomheter er presentert<span class=\"_ _5\"></span> som \u00abResultat investeringer etter egenkapit<span class=\"_ _5\"></span>almetoden\u00bb. Den balansef\u00f8rte verdien av investeringen </div><div class=\"t m2 x20e hcf y2e4a ff286 fs55 fc21 sc0 lsaf wsf6\">er presentert som \u00abInvesteri<span class=\"_ _5\"></span>nger etter egenkapitalmetoden\u00bb i DNBs balanse.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2e4b ff286 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2e4c ff286 fs55 fc21 sc0 ls0 ws0\"> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-21": {
   "value": "Note K36 In<span class=\"_ _1\"></span>ves<span class=\"_ _1\"></span>teringer etter egenk<span class=\"_ _1\"></span>apitalmetoden<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Tilknyttede selsk<span class=\"_ _5\"></span>aper og felleskontrollerte virksom<span class=\"_ _5\"></span>heter<span class=\"ls0 ws0\"> </span>Tilknyttede selsk<span class=\"_ _5\"></span>aper og felleskontrollerte virksom<span class=\"_ _5\"></span>heter regnskapsf\u00f8res etter egenk<span class=\"_ _5\"></span>apitalmetoden, hvor DNBs andel av over<span class=\"lsc1 wsce\">- </span>eller underskudd er basert p\u00e5 selskapenes nett<span class=\"_ _5\"></span>oresultat justert for DNBs eierandel. Andelen av over<span class=\"lsc1 wsce\">- </span>eller underskudd fra tilknyt<span class=\"_ _5\"></span>ted<span class=\"wsd2\">e selskaper og </span>felleskont<span class=\"_ _5\"></span>rollerte virksomheter er presentert<span class=\"_ _5\"></span> som \u00abResultat investeringer etter egenkapit<span class=\"_ _5\"></span>almetoden\u00bb. Den balansef\u00f8rte verdien av investeringen er presentert som \u00abInvesteri<span class=\"_ _5\"></span>nger etter egenkapitalmetoden\u00bb i DNBs balanse.<span class=\"_ _1c5\"> </span><table class=\"s w3a5 h50f\" id=\"_f8ff095c-ff40-4798-9998-cc119e0c050b\"><tr><td class=\"c x3db y4351 wbb h139\"><div class=\"t m2 x19f hd1 y1fa6 ff285 fs55 fc21 sc0 lsaf wscf\">Resultatregnskap<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4fb y4352 wbf hd7\"><div class=\"t m2 x242 h125 y1fb0 ff286 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Luminor</span><span class=\"ws0\"> </span></div></td><td></td><td></td><td class=\"c x478 y4352 wc0 hd7\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Fremtind</span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x4fc y4352 wbf hd7\"><div class=\"t m2 xd9 h125 y1fb0 ff286 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Vipps</span><span class=\"ws0\"> </span></div></td><td class=\"c x4fd y4353 w3a6 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 ws14\">Andre<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x4ce h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x4fe y4352 wbf hd7\"><div class=\"t m2 x44 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">Totalt<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4354 wbb h144\"><div class=\"t m2 x19f h13c y1fb0 ff287 fs16 fc21 sc0 ls14 wsfa\">Bel\u00f8p i millioner k<span class=\"_ _1\"></span>roner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fb y4354 wbc h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y4354 wbd h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y4354 wbc h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y4354 wbe h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y4354 wbc h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y4354 wbd h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x502 y4354 wbc h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d9 y4354 wbe h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fe y4354 wbc h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x503 y4354 wbd h144\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4355 w3a7 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 ws14\">Inntekter</div><div class=\"t m2 x504 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y4356 wbc h141\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">561</span> </div></td><td class=\"c x4ff y4356 wbd h141\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">641</span> </div></td><td class=\"c x478 y4356 wbc h141\"><div class=\"t m2 x28d h125 y1fae ff286 fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span>741<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y4356 wbe h141\"><div class=\"t m2 x28d h125 y1fae ff286 fs16 fc21 sc0 ls14 ws14\">20<span class=\"ls0 ws0\"> </span>460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y4356 wbc h141\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">695</span> </div></td><td class=\"c x501 y4356 wbd h141\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">420</span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4357 w3a8 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 lsc7 ws0\">Resultat etter skatt<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x498 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y4358 wbc h13e\"><div class=\"t m2 x28c h125 y1fa8 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">924</span> </div></td><td class=\"c x4ff y4358 wbd h13e\"><div class=\"t m2 x28c h125 y1fa8 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">412</span> </div></td><td class=\"c x478 y4358 wbc h13e\"><div class=\"t m2 x28c h125 y1fa8 ff286 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">662</span> </div></td><td class=\"c x500 y4358 wbe h13e\"><div class=\"t m2 x28c h125 y1fa8 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">269</span> </div></td><td class=\"c x4fc y4358 wbc h13e\"><div class=\"t m2 x1bc h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">76<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y4358 wbd h13e\"><div class=\"t m2 x210 h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">(417)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y4359 wbb h13f\"><div class=\"t m2 x19f h125 y1fb0 ff286 fs16 fc21 sc0 ls14 wsfa\">Andel av resulta<span class=\"_ _1\"></span>t etter skatt <span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fb y4359 wbc h13f\"><div class=\"t m2 x1e5 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">384<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y4359 wbd h13f\"><div class=\"t m2 x1e5 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">481<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y4359 wbc h13f\"><div class=\"t m2 x28c h125 y1fb0 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">042</span> </div></td><td class=\"c x500 y4359 wbe h13f\"><div class=\"t m2 x28c h125 y1fb0 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">400</span> </div></td><td class=\"c x4fc y4359 wbc h13f\"><div class=\"t m2 x1bc h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">36<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y4359 wbd h13f\"><div class=\"t m2 x210 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">(197)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x505 y435a w73 h255\"><div class=\"t m2 x1b8 h125 y2e56 ff286 fs16 fc21 sc0 ls14 ws11b\">Avskrivninger og nedskrivni<span class=\"_ _1\"></span>nger av merverdier<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x507 y435b w3a9 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 lsc7 ws0\">etter skatt</div><div class=\"t m2 x506 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x478 y435c wbc h1de\"><div class=\"t m2 x210 h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">(167)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y435c wbe h1de\"><div class=\"t m2 x210 h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">(190)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y435d w3aa h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 wsfa\">Andre justerin<span class=\"_ _1\"></span>ger<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x508 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y435e wbc h142\"><div class=\"t m2 x267 h125 y1fbe ff286 fs16 fc21 sc0 ls14 ws14\">(7)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y435e wbd h142\"><div class=\"t m2 x4f h125 y1fbe ff286 fs16 fc21 sc0 ls0 ws0\">1 </div></td><td class=\"c x478 y435e wbc h142\"><div class=\"t m2 x1e5 h125 y1fbe ff286 fs16 fc21 sc0 ls14 ws14\">(90)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y435e wbe h142\"><div class=\"t m2 x1bc h125 y1fbe ff286 fs16 fc21 sc0 ls14 ws14\">12<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y435e wbc h142\"><div class=\"t m2 x1e5 h125 y1fbe ff286 fs16 fc21 sc0 ls14 ws14\">(58)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y435e wbd h142\"><div class=\"t m2 x1bc h125 y1fbe ff286 fs16 fc21 sc0 ls14 ws14\">51<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y435f wbb h13d\"><div class=\"t m2 x19f h125 y1fbc ff286 fs16 fc21 sc0 ls14 wsfa\">Konsernets andel<span class=\"_ _1\"></span> av resultat etter sk<span class=\"_ _1\"></span>att<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fb y435f wbc h13d\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">377<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y435f wbd h13d\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">483<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y435f wbc h13d\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">784<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y435f wbe h13d\"><div class=\"t m2 x28c h125 y1fbc ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">223</span> </div></td><td class=\"c x4fc y435f wbc h13d\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">(22)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y435f wbd h13d\"><div class=\"t m2 x210 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">(146)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x502 y435f wbc h13d\"><div class=\"t m2 x1bc h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">66<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d9 y435f wbe h13d\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">160<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fe y435f wbc h13d\"><div class=\"t m2 x28c h125 y1fbc ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">206</span> </div></td><td class=\"c x503 y435f wbd h13d\"><div class=\"t m2 x28c h125 y1fbc ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">719</span> </div></td></tr></table><table class=\"s w3a5 h510\" id=\"_3b16efb3-123a-4ce8-99cd-f5e1e14c4749\"><tr><td class=\"c x3db y4360 wbb h139\"><div class=\"t m2 x19f hd1 y2e5d ff285 fs55 fc21 sc0 lsaf wscf\">Balanser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x4fb y4361 wbf hd7\"><div class=\"t m2 x242 h125 y1fb0 ff286 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Luminor</span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x478 y4361 wc0 hd7\"><div class=\"t m2 x163 h125 y1fb0 ff286 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Fremtind</span><span class=\"ws0\"> </span></div></td><td></td><td class=\"c x4fc y4361 wbf hd7\"><div class=\"t m2 xd9 h125 y1fb0 ff286 fs16 fc21 sc0 ls0 wsf7\">     <span class=\"ls14 ws14\">Vipps</span><span class=\"ws0\"> </span></div></td><td class=\"c x4fd y4362 w3a6 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 ws14\">Andre<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x4ce h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x4fe y4361 wbf hd7\"><div class=\"t m2 x44 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">Totalt<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3db y4363 wbb h144\"><div class=\"t m2 x19f h13c y1fb0 ff287 fs16 fc21 sc0 ls14 wsfa\">Bel\u00f8p i millioner k<span class=\"_ _1\"></span>roner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fb y4363 wbc h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y4363 wbd h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y4363 wbc h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y4363 wbe h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y4363 wbc h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y4363 wbd h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x502 y4363 wbc h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4d9 y4363 wbe h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fe y4363 wbc h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x503 y4363 wbd h144\"><div class=\"t m2 x28b he2 y2e62 ff286 fs56 fc21 sc0 lsc8 ws10f\">31.12.24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4364 w3ab h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 wsfa\">Finansielle inst<span class=\"_ _1\"></span>rumenter<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x495 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y4365 wbc h141\"><div class=\"t m2 x19a h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">186<span class=\"ls0 ws0\"> </span>574<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y4365 wbd h141\"><div class=\"t m2 x19a h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">183<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y4365 wbc h141\"><div class=\"t m2 x28d h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">36<span class=\"ls0 ws0\"> </span>381<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y4365 wbe h141\"><div class=\"t m2 x28d h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">31<span class=\"ls0 ws0\"> </span>857<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y4365 wbc h141\"><div class=\"t m2 x28c h125 y1fa8 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">053</span> </div></td><td class=\"c x501 y4365 wbd h141\"><div class=\"t m2 x28c h125 y1fa8 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">188</span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4366 w3ac h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 wsfa\">Goodwill og imm<span class=\"_ _1\"></span>aterielle eiendele<span class=\"_ _1\"></span>r</div><div class=\"t m2 x509 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y4367 wbc h142\"><div class=\"t m2 x1e5 h125 y1fae ff286 fs16 fc21 sc0 ls14 ws14\">480<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y4367 wbd h142\"><div class=\"t m2 x1e5 h125 y1fae ff286 fs16 fc21 sc0 ls14 ws14\">580<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y4367 wbc h142\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">818</span> </div></td><td class=\"c x500 y4367 wbe h142\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">524</span> </div></td><td class=\"c x4fc y4367 wbc h142\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">209</span> </div></td><td class=\"c x501 y4367 wbd h142\"><div class=\"t m2 x28c h125 y1fae ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">334</span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4368 w3ad h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 wsfa\">Andre eiendeler</div><div class=\"t m2 x50a h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y4369 wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">141</span> </div></td><td class=\"c x4ff y4369 wbd h13e\"><div class=\"t m2 x28c h125 y1fb0 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">123</span> </div></td><td class=\"c x478 y4369 wbc h13e\"><div class=\"t m2 x28c h125 y1fb0 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">131</span> </div></td><td class=\"c x500 y4369 wbe h13e\"><div class=\"t m2 x28c h125 y1fb0 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">848</span> </div></td><td class=\"c x4fc y4369 wbc h13e\"><div class=\"t m2 x1e5 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">413<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y4369 wbd h13e\"><div class=\"t m2 x1e5 h125 y1fb0 ff286 fs16 fc21 sc0 ls14 ws14\">299<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y436a w3ae h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 lsb5 wsf7\">Gjeld</div><div class=\"t m2 x50b h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y436b wbc h142\"><div class=\"t m2 x19a h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">165<span class=\"ls0 ws0\"> </span>811<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y436b wbd h142\"><div class=\"t m2 x19a h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">165<span class=\"ls0 ws0\"> </span>295<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y436b wbc h142\"><div class=\"t m2 x28d h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">27<span class=\"ls0 ws0\"> </span>096<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y436b wbe h142\"><div class=\"t m2 x28d h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span>686<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y436b wbc h142\"><div class=\"t m2 x1e5 h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">431<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y436b wbd h142\"><div class=\"t m2 x1e5 h125 y1fa8 ff286 fs16 fc21 sc0 ls14 ws14\">539<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y436c w3af h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 ws14\">Egenkapital</div><div class=\"t m2 x50c h137 y3e98 ff286 fs5b fc21 sc0 lsd7 ws134\">2, 4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y436d wbc h142\"><div class=\"t m2 x28d h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">22<span class=\"ls0 ws0\"> </span>383<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4ff y436d wbd h142\"><div class=\"t m2 x28d h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>936<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x478 y436d wbc h142\"><div class=\"t m2 x28d h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>233<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y436d wbe h142\"><div class=\"t m2 x28d h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span>542<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y436d wbc h142\"><div class=\"t m2 x28c h125 y1fbc ff286 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">229</span> </div></td><td class=\"c x501 y436d wbd h142\"><div class=\"t m2 x28c h125 y1fbc ff286 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">281</span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y436e wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff286 fs16 fc21 sc0 ls14 wsfa\">Konsernets andel<span class=\"_ _1\"></span> av egenkapital<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fb y436e wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">465</span> </div></td><td class=\"c x4ff y436e wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">977</span> </div></td><td class=\"c x478 y436e wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">474</span> </div></td><td class=\"c x500 y436e wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">277</span> </div></td><td class=\"c x4fc y436e wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">000</span> </div></td><td class=\"c x501 y436e wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">025</span> </div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y436f w3a7 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 lsb5 wsf7\">Goodwill</div><div class=\"t m2 x504 h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x478 y4370 wbc h142\"><div class=\"t m2 x28c h125 y1fbe ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">286</span> </div></td><td class=\"c x500 y4370 wbe h142\"><div class=\"t m2 x28c h125 y1fbe ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">286</span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y435b w3b0 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 wsfa\">Merverdier ett<span class=\"_ _1\"></span>er skatt</div><div class=\"t m2 x50d h137 y3e98 ff286 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x478 y4371 wbc h142\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">608<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x500 y4371 wbe h142\"><div class=\"t m2 x1e5 h125 y1fbc ff286 fs16 fc21 sc0 ls14 ws14\">775<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y435d w3b1 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff286 fs16 fc21 sc0 ls14 ws14\">Elimineringer<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x50e h137 y3e84 ff286 fs5b fc21 sc0 ls0 ws0\">3<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4fb y4372 wbc h13e\"><div class=\"t m2 x210 h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">(329)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x478 y4372 wbc h13e\"><div class=\"t m2 x4f h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x500 y4372 wbe h13e\"><div class=\"t m2 x1e5 h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">(39)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fc y4372 wbc h13e\"><div class=\"t m2 x210 h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">(142)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x501 y4372 wbd h13e\"><div class=\"t m2 x210 h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">(151)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3db y4373 wbb h13f\"><div class=\"t m2 x19f h125 y1fb2 ff286 fs16 fc21 sc0 ls14 wsfa\">Balansef\u00f8rt verdi<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4fb y4373 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">136</span> </div></td><td class=\"c x4ff y4373 wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">977</span> </div></td><td class=\"c x478 y4373 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">376</span> </div></td><td class=\"c x500 y4373 wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">300</span> </div></td><td class=\"c x4fc y4373 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">858</span> </div></td><td class=\"c x501 y4373 wbd h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">873</span> </div></td><td class=\"c x502 y4373 wbc h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">516</span> </div></td><td class=\"c x4d9 y4373 wbe h13f\"><div class=\"t m2 x28c h125 y1fb2 ff286 fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">312</span> </div></td><td class=\"c x4fe y4373 wbc h13f\"><div class=\"t m2 x28d h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">17<span class=\"ls0 ws0\"> </span>886<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x503 y4373 wbd h13f\"><div class=\"t m2 x28d h125 y1fb2 ff286 fs16 fc21 sc0 ls14 ws14\">19<span class=\"ls0 ws0\"> </span>462<span class=\"ls0 ws0\"> </span></div></td></tr></table>                <span class=\"_ _5\"></span>  <span class=\"lsab wscd\">Eier<span class=\"_ _5\"></span>andel i<span class=\"_ _5\"></span> pros<span class=\"_ _5\"></span>ent </span><span class=\"ws0\"> </span>                <span class=\"_ _5\"></span>  <span class=\"lsab wscd\">Bal<span class=\"_ _5\"></span>ansef\u00f8<span class=\"_ _5\"></span>rt verdi<span class=\"_ _5\"></span> </span><span class=\"ws0\"> </span><table class=\"s w3b2 h511\" id=\"_438a26e6-7da0-4841-9325-7805b8d2d03e\"><tr><td class=\"c x400 y4374 w1cb hd7\"><div class=\"t m2 x19f hd8 y1db0 ff287 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x50f y4374 wc0 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">Hovedko<span class=\"_ _5\"></span>ntor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y4374 w1cc hd7\"><div class=\"t m2 x64 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">Bransje<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y4374 w1ce hd7\"><div class=\"t m2 x209 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x510 y4374 w1cf hd7\"><div class=\"t m2 x209 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x511 y4374 w1ce hd7\"><div class=\"t m2 x209 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x512 y4374 w1cf hd7\"><div class=\"t m2 x209 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y4375 w1cb hd9\"><div class=\"t m2 x19f hcc y1da9 ff286 fs53 fc21 sc0 lsab wscd\">Lumino<span class=\"_ _5\"></span>r Holdin<span class=\"_ _5\"></span>g AS<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x50f y4375 wc0 hd9\"><div class=\"t m2 x19e hcc y1da9 ff286 fs53 fc21 sc0 lsa7 wsc9\">Tallinn<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y4375 w1cc hd9\"><div class=\"t m2 x2d7 hcc y1da9 ff286 fs53 fc21 sc0 lsab wscb\">Finanstj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y4375 w1ce hd9\"><div class=\"t m2 x246 hcc y1da9 ff286 fs53 fc21 sc0 lsab wscb\">20,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x510 y4375 w1cf hd9\"><div class=\"t m2 x246 hcc y1da9 ff286 fs53 fc21 sc0 lsab wscb\">20,0<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x511 y4375 w1ce hd9\"><div class=\"t m2 x2d7 hcc y1da9 ff286 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">136</span> </div></td><td class=\"c x512 y4375 w1cf hd9\"><div class=\"t m2 x2d7 hcc y1da9 ff286 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">977</span> </div></td></tr><tr><td class=\"c x400 y4376 w1cb hdb\"><div class=\"t m2 x19f hcc y1db0 ff286 fs53 fc21 sc0 lsab wscd\">Fremti<span class=\"_ _5\"></span>nd Holdi<span class=\"_ _5\"></span>ng AS<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x50f y4376 wc0 hdb\"><div class=\"t m2 x204 hcc y1db0 ff286 fs53 fc21 sc0 lsaa wscd\">Oslo<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y4376 w1cc hdb\"><div class=\"t m2 x199 hcc y1db0 ff286 fs53 fc21 sc0 lsb2 wsf1\">Forsikri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y4376 w1ce hdb\"><div class=\"t m2 x246 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">28,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x510 y4376 w1cf hdb\"><div class=\"t m2 x246 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">28,5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x511 y4376 w1ce hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff286 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">376</span> </div></td><td class=\"c x512 y4376 w1cf hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff286 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">300</span> </div></td></tr><tr><td class=\"c x400 y4377 w1cb hda\"><div class=\"t m2 x19f hcc y1db0 ff286 fs53 fc21 sc0 lsab wscd\">Vipps H<span class=\"_ _5\"></span>olding A<span class=\"_ _5\"></span>S<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x50f y4377 wc0 hda\"><div class=\"t m2 x204 hcc y1db0 ff286 fs53 fc21 sc0 lsaa wscd\">Oslo<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x407 y4377 w1cc hda\"><div class=\"t m2 x20f hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">Betalin<span class=\"_ _5\"></span>gstjene<span class=\"_ _5\"></span>ster<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x401 y4377 w1ce hda\"><div class=\"t m2 x246 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">47,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x510 y4377 w1cf hda\"><div class=\"t m2 x246 hcc y1db0 ff286 fs53 fc21 sc0 lsab wscb\">47,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x511 y4377 w1ce hda\"><div class=\"t m2 x2d7 hcc y1db0 ff286 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">858</span> </div></td><td class=\"c x512 y4377 w1cf hda\"><div class=\"t m2 x2d7 hcc y1db0 ff286 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">873</span> </div></td></tr><tr><td class=\"c x400 y4378 w1cb hdb\"><div class=\"t m2 x19f hcc y1db0 ff288 fs53 fc21 sc0 lsab wscb\">Andre til<span class=\"_ _5\"></span>knytt<span class=\"_ _5\"></span>ede sels<span class=\"_ _5\"></span>kaper<span class=\"_ _5\"></span>\u2075<span class=\"ff286 ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x511 y4378 w1ce hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff286 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">516</span> </div></td><td class=\"c x512 y4378 w1cf hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff286 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">312</span> </div></td></tr><tr><td class=\"c x400 y4379 w1cb h135\"><div class=\"t m2 x19f hdc y1da9 ff285 fs53 fc21 sc0 lsb3 ws121\">Sum<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c x511 y4379 w1ce h135\"><div class=\"t m2 x19e hdc y1da9 ff285 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>886<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x512 y4379 w1cf h135\"><div class=\"t m2 x19e hdc y1da9 ff285 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>462<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y437a w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscb\">1</div></td><td class=\"c x421 y437a w3b3 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscd\">Andr<span class=\"_ _5\"></span>e inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>nger in<span class=\"_ _5\"></span>kluder<span class=\"_ _5\"></span>er inve<span class=\"_ _5\"></span>steri<span class=\"_ _5\"></span>nger i <span class=\"_ _5\"></span>eiendom<span class=\"_ _5\"></span>sselsk<span class=\"_ _5\"></span>aper i<span class=\"_ _5\"></span> DNB Li<span class=\"_ _5\"></span>vsfor<span class=\"_ _5\"></span>sikrin<span class=\"_ _5\"></span>g p\u00e5 4 05<span class=\"_ _5\"></span>1 mill<span class=\"_ _5\"></span>ioner <span class=\"_ _5\"></span>kroner (<span class=\"_ _5\"></span>3 939<span class=\"_ _5\"></span> milli<span class=\"_ _5\"></span>oner i 2<span class=\"_ _5\"></span>024), ei<span class=\"_ _5\"></span>d i<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x414 y437b w3b4 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsa7 wsc9\">kollektiv<span class=\"ls0 ws0\">-<span class=\"lsab wscd\">/kunde<span class=\"_ _5\"></span>portef<span class=\"_ _5\"></span>\u00f8ljen o<span class=\"_ _5\"></span>g Eks<span class=\"_ _5\"></span>portfi<span class=\"_ _5\"></span>nans.<span class=\"_ _1c5\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y437c w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscb\">2</div></td><td class=\"c x421 y437c w3b5 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscd\">Verdi<span class=\"_ _5\"></span>er i <span class=\"_ _5\"></span>tilknyt<span class=\"_ _5\"></span>tede s<span class=\"_ _5\"></span>elskap<span class=\"_ _5\"></span>ers re<span class=\"_ _5\"></span>gnska<span class=\"_ _5\"></span>per. For<span class=\"_ _5\"></span>el\u00f8pig<span class=\"_ _5\"></span>e og u<span class=\"_ _5\"></span>revide<span class=\"_ _5\"></span>rte regns<span class=\"_ _5\"></span>kaper <span class=\"_ _5\"></span>er ben<span class=\"_ _5\"></span>yttet.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y437d w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscb\">3</div></td><td class=\"c x421 y437d w3b6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscd\">Om<span class=\"_ _5\"></span>fatter l<span class=\"_ _5\"></span>atente <span class=\"_ _5\"></span>skatte<span class=\"_ _5\"></span>posisj<span class=\"_ _5\"></span>oner og m<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\">-</span>/<span class=\"_ _5\"></span>mindrev<span class=\"_ _5\"></span>erdier <span class=\"_ _5\"></span>som ik<span class=\"_ _5\"></span>ke e<span class=\"_ _5\"></span>r reflek<span class=\"_ _5\"></span>tert i<span class=\"_ _5\"></span> selskape<span class=\"_ _5\"></span>ts bal<span class=\"_ _5\"></span>anse<span class=\"_ _5\"></span>.<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y437e w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscb\">4</div></td><td class=\"c x421 y437e w3b7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscd\">Egenk<span class=\"_ _5\"></span>apit<span class=\"_ _5\"></span>alen in<span class=\"_ _5\"></span>kluder<span class=\"_ _5\"></span><span class=\"lsaa ws11e\">er utbytte<span class=\"lsd5 ws87\">.<span class=\"_ _1c5\"> </span></span></span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4382 w3b8 h512\"><div class=\"t m2 x3f4 hd8 y437f ff287 fs53 fc21 sc0 lsab wscb\">5</div><div class=\"t m2 x3f4 hcf y4380 ff286 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 h12e y4381 ff285 fs5a fc21 sc0 lsc0 ws108\">Transaksjo<span class=\"_ _5\"></span>ner 2<span class=\"_ _5\"></span>02<span class=\"lsd8 ws135\">4 </span></div><div class=\"t m2 x3f4 hcf y3fb5 ff286 fs55 fc21 sc0 lsaf wsf6\">I 2024 var det en positiv resultateffekt p\u00e5 716 millioner kroner f<span class=\"_ _5\"></span>ra tilknyttede selskaper, knyttet til fusjonen mell<span class=\"_ _5\"></span>om Fremtind Forsikring og Eika </div><div class=\"t m2 x3f4 hcf y3fb6 ff286 fs55 fc21 sc0 lsaf wsf6\">Forsikring s<span class=\"_ _5\"></span>om ble gjennomf\u00f8rt 1. juli. Dette resulterte i en reduksjon i DNBs eierandel i Fremtind fra 35 til 28,5 prosent. </div></td><td class=\"c x421 y3e64 w3b9 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff287 fs53 fc21 sc0 lsab wscd\">Ek<span class=\"_ _5\"></span>sportfin<span class=\"_ _5\"></span>ans AS<span class=\"_ _5\"></span> ble et<span class=\"_ _5\"></span> datte<span class=\"_ _5\"></span>rselska<span class=\"_ _5\"></span>p i 202<span class=\"_ _5\"></span>5 og <span class=\"_ _5\"></span>er inklu<span class=\"_ _5\"></span>dert som<span class=\"_ _5\"></span> 'And<span class=\"_ _5\"></span>re til<span class=\"_ _5\"></span>knytt<span class=\"_ _5\"></span>ede selsk<span class=\"_ _5\"></span>aper'<span class=\"_ _5\"></span> i 202<span class=\"_ _5\"></span>4. Se <span class=\"_ _5\"></span>note K<span class=\"_ _5\"></span>2.<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-22": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNBs immateriell<span class=\"_ _5\"></span>e eiendeler best\u00e5r i hovedsak av goodwill som er bokf\u00f8rt til anskaffelseskost. Goodwill<span class=\"_ _5\"></span> er restverdien som be<span class=\"lsbd ws117\">st<span class=\"_ _5\"></span>\u00e5r<span class=\"_ _5\"></span> av<span class=\"_ _5\"></span> </span>differans<span class=\"_ _5\"></span>en mellom anskaffelseskost og den kapitalisert<span class=\"_ _5\"></span>e verdien av et oppkj\u00f8pt selskap. Konseptet goodwill best\u00e5r av betaling for gevinst fra synergier, eiendel<span class=\"_ _5\"></span>er knyttet til ansatte, og andre immaterielle eiendeler som ikk<span class=\"_ _5\"></span>e kvalifiserer for innregning som en egen ei<span class=\"wsd2\">endel, framt<span class=\"_ _5\"></span>idig </span>superprofit<span class=\"_ _5\"></span>t og det faktum at utsatt skatt ikke skal neddiskonteres. Kapitalisert<span class=\"_ _5\"></span> goodwill stammer utelukkende fra oppkj\u00f8p.<span class=\"ls0 ws0\"> </span>Goodwill test<span class=\"_ _5\"></span>es for verdifall minimum \u00e5rlig. DNB har valgt \u00e5 gjennomf\u00f8re den \u00e5rlige testen i fjerde kvartal. Gjenvi<span class=\"_ _5\"></span>nnbart bel\u00f8p i goodwill nedskrivningst<span class=\"_ _5\"></span>esten er basert p\u00e5 en beregning av bruksverdi, hvor DNB neddiskonterer framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmer for <span class=\"lsbd ws104\">hv<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span> </span>kontantgenererende enhet<span class=\"_ _5\"></span>. Beregningene tar utgangspunkt i historisk<span class=\"_ _5\"></span>e resultater samt plantall som er godkjent av ledelsen.<span class=\"ls0 ws0\"> </span>\u00d8vrige immateriell<span class=\"_ _5\"></span>e eiendeler m\u00e5les til anskaffelsesk<span class=\"_ _5\"></span>ost fratrukket akkumulerte amortiseri<span class=\"_ _5\"></span>nger og nedskrivninger<span class=\"_ _1c5\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-395": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNBs immateriell<span class=\"_ _5\"></span>e eiendeler best\u00e5r i hovedsak av goodwill som er bokf\u00f8rt til anskaffelseskost. Goodwill<span class=\"_ _5\"></span> er restverdien som be<span class=\"lsbd ws117\">st<span class=\"_ _5\"></span>\u00e5r<span class=\"_ _5\"></span> av<span class=\"_ _5\"></span> </span>differans<span class=\"_ _5\"></span>en mellom anskaffelseskost og den kapitalisert<span class=\"_ _5\"></span>e verdien av et oppkj\u00f8pt selskap. Konseptet goodwill best\u00e5r av betaling for gevinst fra synergier, eiendel<span class=\"_ _5\"></span>er knyttet til ansatte, og andre immaterielle eiendeler som ikk<span class=\"_ _5\"></span>e kvalifiserer for innregning som en egen ei<span class=\"wsd2\">endel, framt<span class=\"_ _5\"></span>idig </span>superprofit<span class=\"_ _5\"></span>t og det faktum at utsatt skatt ikke skal neddiskonteres. Kapitalisert<span class=\"_ _5\"></span> goodwill stammer utelukkende fra oppkj\u00f8p.<span class=\"ls0 ws0\"> </span>Goodwill test<span class=\"_ _5\"></span>es for verdifall minimum \u00e5rlig. DNB har valgt \u00e5 gjennomf\u00f8re den \u00e5rlige testen i fjerde kvartal. Gjenvi<span class=\"_ _5\"></span>nnbart bel\u00f8p i goodwill nedskrivningst<span class=\"_ _5\"></span>esten er basert p\u00e5 en beregning av bruksverdi, hvor DNB neddiskonterer framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmer for <span class=\"lsbd ws104\">hv<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span> </span>kontantgenererende enhet<span class=\"_ _5\"></span>. Beregningene tar utgangspunkt i historisk<span class=\"_ _5\"></span>e resultater samt plantall som er godkjent av ledelsen.<span class=\"ls0 ws0\"> </span>\u00d8vrige immateriell<span class=\"_ _5\"></span>e eiendeler m\u00e5les til anskaffelsesk<span class=\"_ _5\"></span>ost fratrukket akkumulerte amortiseri<span class=\"_ _5\"></span>nger og nedskrivninger<span class=\"_ _1c5\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-411": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K37 Immaterielle eiendeler<span class=\"_ _1c5\"> </span></div><div class=\"c w111 h255 gs1a7\"><div class=\"t m2 x248 hcf y2e20 ff289 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2e21 ff28a fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2e22 ff289 fs55 fc21 sc0 lsaf wsf6\">DNBs immateriell<span class=\"_ _5\"></span>e eiendeler best\u00e5r i hovedsak av goodwill som er bokf\u00f8rt til anskaffelseskost. Goodwill<span class=\"_ _5\"></span> er restverdien som be<span class=\"lsbd ws117\">st<span class=\"_ _5\"></span>\u00e5r<span class=\"_ _5\"></span> av<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x248 hcf y2e23 ff289 fs55 fc21 sc0 lsaf wsf6\">differans<span class=\"_ _5\"></span>en mellom anskaffelseskost og den kapitalisert<span class=\"_ _5\"></span>e verdien av et oppkj\u00f8pt selskap. Konseptet goodwill best\u00e5r av betaling for gevinst fra </div><div class=\"t m2 x248 hcf y2e24 ff289 fs55 fc21 sc0 lsaf wsf6\">synergier, eiendel<span class=\"_ _5\"></span>er knyttet til ansatte, og andre immaterielle eiendeler som ikk<span class=\"_ _5\"></span>e kvalifiserer for innregning som en egen ei<span class=\"wsd2\">endel, framt<span class=\"_ _5\"></span>idig </span></div><div class=\"t m2 x248 hcf y2e25 ff289 fs55 fc21 sc0 lsaf wsf6\">superprofit<span class=\"_ _5\"></span>t og det faktum at utsatt skatt ikke skal neddiskonteres. Kapitalisert<span class=\"_ _5\"></span> goodwill stammer utelukkende fra oppkj\u00f8p.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2e26 ff289 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2e27 ff289 fs55 fc21 sc0 lsaf wsf6\">Goodwill test<span class=\"_ _5\"></span>es for verdifall minimum \u00e5rlig. DNB har valgt \u00e5 gjennomf\u00f8re den \u00e5rlige testen i fjerde kvartal. Gjenvi<span class=\"_ _5\"></span>nnbart bel\u00f8p i goodwill </div><div class=\"t m2 x248 hcf y2e28 ff289 fs55 fc21 sc0 lsaf wsf6\">nedskrivningst<span class=\"_ _5\"></span>esten er basert p\u00e5 en beregning av bruksverdi, hvor DNB neddiskonterer framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmer for <span class=\"lsbd ws104\">hv<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x248 hcf y171a ff289 fs55 fc21 sc0 lsaf wsf6\">kontantgenererende enhet<span class=\"_ _5\"></span>. Beregningene tar utgangspunkt i historisk<span class=\"_ _5\"></span>e resultater samt plantall som er godkjent av ledelsen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2e29 ff289 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2e2a ff289 fs55 fc21 sc0 lsaf wsf6\">\u00d8vrige immateriell<span class=\"_ _5\"></span>e eiendeler m\u00e5les til anskaffelsesk<span class=\"_ _5\"></span>ost fratrukket akkumulerte amortiseri<span class=\"_ _5\"></span>nger og nedskrivninger<span class=\"_ _1c5\"> </span>. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2e2b ff289 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2e2c ff289 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs1a8\"><table class=\"s w3ba h513\" id=\"_1b3ca425-abe1-472e-858d-cd7b58f64bf2\"><tr><td></td><td></td><td></td><td class=\"c x45f y4383 w6e hd7\"><div class=\"t m2 x20e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x462 y4384 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsd1\">Utvikling av <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4384 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsc9\">immaterielle <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4385 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff28b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4385 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsc9\">Goodwill<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4385 w6f hd7\"><div class=\"t m2 x1bc hcc y1db0 ff289 fs53 fc21 sc0 lsaa wscd\">IT<span class=\"ls0 ws0\">-systemer</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x45f y4385 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">eiendel<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4385 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4386 w13c h11f\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>1. jan<span class=\"_ _5\"></span>uar 2<span class=\"_ _5\"></span>024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4386 w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">835</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4386 w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">109</span> </div></td><td class=\"c x45f y4386 w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">359</span> </div></td><td class=\"c x463 y4386 w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">303</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4387 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4387 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">798</span> </div></td><td class=\"c x45f y4387 w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td class=\"c x463 y4387 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">803</span> </div></td></tr><tr><td class=\"c x45e y4388 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4388 w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4388 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(259)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4388 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(523)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4389 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">12</span> </div></td><td class=\"c x462 y4389 w6f hdb\"><div class=\"t m2 x134 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 4 </div></td><td class=\"c x45f y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x463 y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">40</span> </div></td></tr><tr><td class=\"c x45e y438a w13c h11f\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>esemb<span class=\"_ _5\"></span>er 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y438a w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">847</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y438a w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">647</span> </div></td><td class=\"c x45f y438a w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">128</span> </div></td><td class=\"c x463 y438a w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">623</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y438b w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar 2024</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y438b w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y438b w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">536</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y438b w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(875)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438b w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">847</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y438c w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\">Avskrivninger </div></td><td></td><td class=\"c x462 y438c w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(283)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y438c w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff289 fs53 fc21 sc0 lsb2 wsf1\">(97)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438c w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(381)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y438d w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y438d w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x45f y438d w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">259</span> </div></td><td class=\"c x463 y438d w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">359</span> </div></td></tr><tr><td class=\"c x45e y438e w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y438e w6e hda\"><div class=\"t m2 xf9 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y438e w6f hda\"><div class=\"t m2 xf9 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y438e w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438e w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y438f w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber 2<span class=\"_ _5\"></span>024</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y438f w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y438f w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">719</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y438f w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(732)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438f w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">888</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4390 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff28a fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4390 w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">411</span> </div></td><td class=\"c x462 y4390 w6f hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">928</span> </div></td><td class=\"c x45f y4390 w6e hd9\"><div class=\"t m2 x1b5 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">396</span> </div></td><td class=\"c x463 y4390 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">10</span> <span class=\"lsab wscb\">735</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4391 w13c h11f\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>1. jan<span class=\"_ _5\"></span>uar 2<span class=\"_ _5\"></span>025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4391 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">847</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4391 w6f h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">647</span> </div></td><td class=\"c x45f y4391 w6e h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">128</span> </div></td><td class=\"c x463 y4391 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">623</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4392 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4392 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">201</span> </div></td><td class=\"c x462 y4392 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">633</span> </div></td><td class=\"c x45f y4392 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">902</span> </div></td><td class=\"c x463 y4392 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">736</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4393 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4393 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(256)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4393 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(206)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4393 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(462)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4394 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4394 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">279</span> </div></td><td class=\"c x462 y4394 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x45f y4394 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">80</span> </div></td><td class=\"c x463 y4394 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">375</span> </div></td></tr><tr><td class=\"c x45e y4395 w13c h11f\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>esemb<span class=\"_ _5\"></span>er 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4395 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">328</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4395 w6f h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">041</span> </div></td><td class=\"c x45f y4395 w6e h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">903</span> </div></td><td class=\"c x463 y4395 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">272</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4396 w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar 2025</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y4396 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y4396 w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">719</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y4396 w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(732)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4396 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">888</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4397 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4397 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(74)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4397 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(122)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4397 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4398 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\">Avskrivninger </div></td><td></td><td class=\"c x462 y4398 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(313)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4398 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(72)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4398 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(386)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4399 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4399 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">154</span> </div></td><td class=\"c x45f y4399 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">206</span> </div></td><td class=\"c x463 y4399 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">360</span> </div></td></tr><tr><td class=\"c x45e y439a w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y439a w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y439a w6f hde\"><div class=\"t m2 xf9 hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y439a w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x463 y439a w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td></tr><tr><td class=\"c x45e y439b w13c hd9\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber 2<span class=\"_ _5\"></span>025</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y439b w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">438</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y439b w6f hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">953</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y439b w6e hd9\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(703)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y439b w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">094</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y439c w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff28a fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y439c w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">890</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y439c w6f hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">088</span> </div></td><td class=\"c x45f y439c w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">200</span> </div></td><td class=\"c x463 y439c w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">178</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table></div>Goodwill<span class=\"ls0 ws0\"> </span>Risikofri<span class=\"_ _5\"></span> rente er satt til 3,5 prosent, markedets risikopremi<span class=\"_ _5\"></span>e er <span class=\"_ _1\"></span>sat<span class=\"_ _5\"></span>t til 5,0 prosent og vekstfaktor p\u00e5 lang sikt er satt til 2,0 prosent. Disse forut<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>setningene er lik<span class=\"_ _5\"></span>e for alle vurderingsenheter, mens beta<span class=\"ls0 ws0\">-</span>verdier er estimert<span class=\"_ _5\"></span> for hver vurderingsenhet. <span class=\"wsd2\">Avkastningskrav<span class=\"_ _5\"></span>et er f\u00f8r s<span class=\"_ _5\"></span>katt. <span class=\"ls0 ws0\"> </span></span><table class=\"s w3bb h514\" id=\"_93b23e96-bfd2-47fa-a59e-3dee50886392\"><tr><td class=\"c x3db y439d w13c h136\"><div class=\"t m2 x19f hd1 y2036 ff293 fs55 fc21 sc0 lsae wsce\">Goodwill forde<span class=\"_ _1\"></span>lt p\u00e5 enhe<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x438 y439e w161 hd7\"><div class=\"t m2 x20f hcc y1da9 ff294 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y439e w184 hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y439f w6e h13b\"><div class=\"t m2 xb3 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">Avkastningskrav<span class=\"_ _5\"></span> </div></td><td class=\"c x436 y439f w6e h13b\"><div class=\"t m2 x44 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y439f w6f h13b\"><div class=\"t m2 xb3 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">Avkastningskrav<span class=\"_ _5\"></span> </div></td><td class=\"c x3de y439f w6e h13b\"><div class=\"t m2 x44 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y43a0 w6e hd7\"><div class=\"t m2 x1b9 hd8 y1da9 ff295 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a0 w6e hd7\"><div class=\"t m2 x266 hd8 y1da9 ff295 fs53 fc21 sc0 lsa7 wsfc\">Millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y43a0 w183 hd7\"><div class=\"t m2 x1bb hd8 y1da9 ff295 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a0 w6e hd7\"><div class=\"t m2 x266 hd8 y1da9 ff295 fs53 fc21 sc0 lsa7 wsfc\">Millioner kroner<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43a1 w13c hd9\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">Personku<span class=\"_ _5\"></span>nder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a1 w6e hd9\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a1 w6e hd9\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">008</span> </div></td><td class=\"c x4a8 y43a1 w183 hd9\"><div class=\"t m2 x1ba hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a1 w6e hd9\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">008</span> </div></td></tr><tr><td class=\"c x3db y4313 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>forvalt<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4313 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4313 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff294 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">159</span> </div></td><td class=\"c x4a8 y4313 w183 hdb\"><div class=\"t m2 x1ba hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4313 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td></tr><tr><td class=\"c x3db y43a2 w13c hda\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">Formuesf<span class=\"_ _5\"></span>orvalt<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a2 w6e hda\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a2 w6e hda\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">047</span> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y43a3 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff294 fs53 fc21 sc0 lsa7 wsd1\">DNB Carnegie<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a3 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a3 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">997</span> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y43a4 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a4 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a4 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x4a8 y43a4 w183 hdb\"><div class=\"t m2 x1ba hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a4 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">724</span> </div></td></tr><tr><td class=\"c x3db y4317 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff293 fs53 fc21 sc0 lsaa ws0\">Sum good<span class=\"_ _5\"></span>will<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x436 y4317 w6e hd9\"><div class=\"t m2 x1ba hdc y1db0 ff293 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>890<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4317 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff293 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">411</span> </div></td></tr></table>Personkunder<span class=\"ls0 ws0\"> </span>Enheten vedr\u00f8rer bankvirks<span class=\"_ _5\"></span>omheten (utl\u00e5n og innskudd) i kontornettet i Norge relatert til personm<span class=\"_ _5\"></span>arkedet<span class=\"lsbc ws103\">. </span><span class=\"wscf\">Goodwill gjelder<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">oppkj<span class=\"_ _5\"></span>\u00f8pspremie ved </span></span>overtak<span class=\"_ _5\"></span>else av Sbanken, fusjonen mellom DnB og Gjensidige NOR, oppkj\u00f8pspremie ved overtakelse av Nordlandsbanken samt noe goo<span class=\"lsb9 wscf\">dwill fra </span>tidligere overt<span class=\"_ _5\"></span>atte kontorer i Gjensidige NOR. De viktigste forutsetningene for kontants<span class=\"_ _5\"></span>tr\u00f8mmene i planperioden er utvikli<span class=\"_ _5\"></span>ng i marginer, volumer og nedskrivning p\u00e5 utl<span class=\"_ _5\"></span>\u00e5n. <span class=\"ls0 ws0\"> </span>Kapitalforv<span class=\"_ _5\"></span>altning<span class=\"ls0 ws0\"> </span>Enheten omfatter kapit<span class=\"_ _5\"></span>alforvaltningsvi<span class=\"_ _5\"></span>rksomhet, hovedsakelig i Norge og Sverige. Total goodwill fra enhetene i produktomr\u00e5det<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">v<span class=\"_ _5\"></span>urderes samlet, </span>og vurderingsenhet<span class=\"_ _5\"></span>en representerer hele produktomr\u00e5det. Goodwill fra denne enheten er hovedsakeli<span class=\"_ _5\"></span>g knyttet til oppkj\u00f8pet av Carnegie Fonder og Skandia Asset Management. De mest kritiske forutset<span class=\"_ _5\"></span>ningene for kontantstr\u00f8mmene i planperioden er utv<span class=\"_ _5\"></span>iklingen i verdipapir<span class=\"wscf\">mark<span class=\"_ _5\"></span>edene, </span>netto salg av verdipapirf<span class=\"_ _5\"></span>ond og marginer.<span class=\"ls0 ws0\"> </span>Formuesf<span class=\"_ _5\"></span>orvaltning<span class=\"ls0 ws0\"> </span>Enheten omfatter f<span class=\"_ _5\"></span>ormuesforvaltning i Norge, Sverige og Danmark. Formuesforvaltningstjenest<span class=\"_ _5\"></span>er inkluderer diskresjon\u00e6<span class=\"_ _5\"></span>r formuesforvaltning og tradisj<span class=\"_ _5\"></span>onelle banktjenester for velst\u00e5ende kunder.  Goodwill f<span class=\"_ _5\"></span>ra denne enheten er knyttet til oppkj\u00f8pet av Carnegie.<span class=\"ls0 ws0\"> </span>Viktige f<span class=\"_ _5\"></span>orutsetninger for kontantst<span class=\"_ _5\"></span>r\u00f8mmene i planperioden er utviklingen i forvaltningsk<span class=\"_ _5\"></span>apital, bankvolum og marginer.<span class=\"ls0 ws0\"> </span>DNB Carnegie<span class=\"ls0 ws0\"> </span>Enheten omfatter invest<span class=\"_ _5\"></span>eringsbankvirksomhet, trading<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span>og meglertjenester, verdipapi<span class=\"_ _5\"></span>rtjenester samt rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og <span class=\"_ _5\"></span>r\u00e5vareprodukter. Enhet<span class=\"_ _5\"></span>en har </span>produkter s<span class=\"_ _5\"></span>om dekker b\u00e5de aksje<span class=\"ls0 ws0\">- </span>og fremmedkapitalmarkedet. Goodwill fra denne enheten er hovedsakel<span class=\"_ _5\"></span>ig knyttet til oppkj\u00f8pet av Carnegie. Den viktigst<span class=\"_ _5\"></span>e forutsetningen for kontantstr\u00f8mmene i planperioden er inntektsv<span class=\"_ _5\"></span>ekst.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-433": {
   "value": "Note K37 Immaterielle eiendeler<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNBs immateriell<span class=\"_ _5\"></span>e eiendeler best\u00e5r i hovedsak av goodwill som er bokf\u00f8rt til anskaffelseskost. Goodwill<span class=\"_ _5\"></span> er restverdien som be<span class=\"lsbd ws117\">st<span class=\"_ _5\"></span>\u00e5r<span class=\"_ _5\"></span> av<span class=\"_ _5\"></span> </span>differans<span class=\"_ _5\"></span>en mellom anskaffelseskost og den kapitalisert<span class=\"_ _5\"></span>e verdien av et oppkj\u00f8pt selskap. Konseptet goodwill best\u00e5r av betaling for gevinst fra synergier, eiendel<span class=\"_ _5\"></span>er knyttet til ansatte, og andre immaterielle eiendeler som ikk<span class=\"_ _5\"></span>e kvalifiserer for innregning som en egen ei<span class=\"wsd2\">endel, framt<span class=\"_ _5\"></span>idig </span>superprofit<span class=\"_ _5\"></span>t og det faktum at utsatt skatt ikke skal neddiskonteres. Kapitalisert<span class=\"_ _5\"></span> goodwill stammer utelukkende fra oppkj\u00f8p.<span class=\"ls0 ws0\"> </span>Goodwill test<span class=\"_ _5\"></span>es for verdifall minimum \u00e5rlig. DNB har valgt \u00e5 gjennomf\u00f8re den \u00e5rlige testen i fjerde kvartal. Gjenvi<span class=\"_ _5\"></span>nnbart bel\u00f8p i goodwill nedskrivningst<span class=\"_ _5\"></span>esten er basert p\u00e5 en beregning av bruksverdi, hvor DNB neddiskonterer framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmer for <span class=\"lsbd ws104\">hv<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span> </span>kontantgenererende enhet<span class=\"_ _5\"></span>. Beregningene tar utgangspunkt i historisk<span class=\"_ _5\"></span>e resultater samt plantall som er godkjent av ledelsen.<span class=\"ls0 ws0\"> </span>\u00d8vrige immateriell<span class=\"_ _5\"></span>e eiendeler m\u00e5les til anskaffelsesk<span class=\"_ _5\"></span>ost fratrukket akkumulerte amortiseri<span class=\"_ _5\"></span>nger og nedskrivninger<span class=\"_ _1c5\"> </span>.<table class=\"s w3ba h513\" id=\"_1b3ca425-abe1-472e-858d-cd7b58f64bf2\"><tr><td></td><td></td><td></td><td class=\"c x45f y4383 w6e hd7\"><div class=\"t m2 x20e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x462 y4384 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsd1\">Utvikling av <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4384 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsc9\">immaterielle <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4385 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff28b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4385 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsc9\">Goodwill<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4385 w6f hd7\"><div class=\"t m2 x1bc hcc y1db0 ff289 fs53 fc21 sc0 lsaa wscd\">IT<span class=\"ls0 ws0\">-systemer</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x45f y4385 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">eiendel<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4385 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4386 w13c h11f\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>1. jan<span class=\"_ _5\"></span>uar 2<span class=\"_ _5\"></span>024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4386 w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">835</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4386 w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">109</span> </div></td><td class=\"c x45f y4386 w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">359</span> </div></td><td class=\"c x463 y4386 w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">303</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4387 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4387 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">798</span> </div></td><td class=\"c x45f y4387 w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td class=\"c x463 y4387 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">803</span> </div></td></tr><tr><td class=\"c x45e y4388 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4388 w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4388 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(259)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4388 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(523)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4389 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">12</span> </div></td><td class=\"c x462 y4389 w6f hdb\"><div class=\"t m2 x134 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 4 </div></td><td class=\"c x45f y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x463 y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">40</span> </div></td></tr><tr><td class=\"c x45e y438a w13c h11f\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>esemb<span class=\"_ _5\"></span>er 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y438a w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">847</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y438a w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">647</span> </div></td><td class=\"c x45f y438a w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">128</span> </div></td><td class=\"c x463 y438a w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">623</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y438b w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar 2024</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y438b w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y438b w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">536</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y438b w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(875)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438b w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">847</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y438c w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\">Avskrivninger </div></td><td></td><td class=\"c x462 y438c w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(283)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y438c w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff289 fs53 fc21 sc0 lsb2 wsf1\">(97)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438c w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(381)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y438d w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y438d w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x45f y438d w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">259</span> </div></td><td class=\"c x463 y438d w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">359</span> </div></td></tr><tr><td class=\"c x45e y438e w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y438e w6e hda\"><div class=\"t m2 xf9 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y438e w6f hda\"><div class=\"t m2 xf9 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y438e w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438e w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y438f w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber 2<span class=\"_ _5\"></span>024</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y438f w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y438f w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">719</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y438f w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(732)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438f w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">888</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4390 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff28a fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4390 w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">411</span> </div></td><td class=\"c x462 y4390 w6f hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">928</span> </div></td><td class=\"c x45f y4390 w6e hd9\"><div class=\"t m2 x1b5 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">396</span> </div></td><td class=\"c x463 y4390 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">10</span> <span class=\"lsab wscb\">735</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4391 w13c h11f\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>1. jan<span class=\"_ _5\"></span>uar 2<span class=\"_ _5\"></span>025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4391 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">847</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4391 w6f h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">647</span> </div></td><td class=\"c x45f y4391 w6e h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">128</span> </div></td><td class=\"c x463 y4391 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">623</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4392 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4392 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">201</span> </div></td><td class=\"c x462 y4392 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">633</span> </div></td><td class=\"c x45f y4392 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">902</span> </div></td><td class=\"c x463 y4392 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">736</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4393 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4393 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(256)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4393 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(206)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4393 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(462)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4394 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4394 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">279</span> </div></td><td class=\"c x462 y4394 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x45f y4394 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">80</span> </div></td><td class=\"c x463 y4394 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">375</span> </div></td></tr><tr><td class=\"c x45e y4395 w13c h11f\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>esemb<span class=\"_ _5\"></span>er 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4395 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">328</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4395 w6f h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">041</span> </div></td><td class=\"c x45f y4395 w6e h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">903</span> </div></td><td class=\"c x463 y4395 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">272</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4396 w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar 2025</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y4396 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y4396 w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">719</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y4396 w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(732)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4396 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">888</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4397 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4397 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(74)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4397 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(122)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4397 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4398 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\">Avskrivninger </div></td><td></td><td class=\"c x462 y4398 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(313)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4398 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(72)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4398 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(386)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4399 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4399 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">154</span> </div></td><td class=\"c x45f y4399 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">206</span> </div></td><td class=\"c x463 y4399 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">360</span> </div></td></tr><tr><td class=\"c x45e y439a w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y439a w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y439a w6f hde\"><div class=\"t m2 xf9 hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y439a w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x463 y439a w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td></tr><tr><td class=\"c x45e y439b w13c hd9\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber 2<span class=\"_ _5\"></span>025</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y439b w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">438</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y439b w6f hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">953</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y439b w6e hd9\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(703)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y439b w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">094</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y439c w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff28a fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y439c w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">890</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y439c w6f hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">088</span> </div></td><td class=\"c x45f y439c w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">200</span> </div></td><td class=\"c x463 y439c w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">178</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table>Goodwill<span class=\"ls0 ws0\"> </span>Risikofri<span class=\"_ _5\"></span> rente er satt til 3,5 prosent, markedets risikopremi<span class=\"_ _5\"></span>e er <span class=\"_ _1\"></span>sat<span class=\"_ _5\"></span>t til 5,0 prosent og vekstfaktor p\u00e5 lang sikt er satt til 2,0 prosent. Disse forut<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>setningene er lik<span class=\"_ _5\"></span>e for alle vurderingsenheter, mens beta<span class=\"ls0 ws0\">-</span>verdier er estimert<span class=\"_ _5\"></span> for hver vurderingsenhet. <span class=\"wsd2\">Avkastningskrav<span class=\"_ _5\"></span>et er f\u00f8r s<span class=\"_ _5\"></span>katt. <span class=\"ls0 ws0\"> </span></span><table class=\"s w3bb h514\" id=\"_93b23e96-bfd2-47fa-a59e-3dee50886392\"><tr><td class=\"c x3db y439d w13c h136\"><div class=\"t m2 x19f hd1 y2036 ff293 fs55 fc21 sc0 lsae wsce\">Goodwill forde<span class=\"_ _1\"></span>lt p\u00e5 enhe<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x438 y439e w161 hd7\"><div class=\"t m2 x20f hcc y1da9 ff294 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y439e w184 hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y439f w6e h13b\"><div class=\"t m2 xb3 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">Avkastningskrav<span class=\"_ _5\"></span> </div></td><td class=\"c x436 y439f w6e h13b\"><div class=\"t m2 x44 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y439f w6f h13b\"><div class=\"t m2 xb3 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">Avkastningskrav<span class=\"_ _5\"></span> </div></td><td class=\"c x3de y439f w6e h13b\"><div class=\"t m2 x44 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y43a0 w6e hd7\"><div class=\"t m2 x1b9 hd8 y1da9 ff295 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a0 w6e hd7\"><div class=\"t m2 x266 hd8 y1da9 ff295 fs53 fc21 sc0 lsa7 wsfc\">Millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y43a0 w183 hd7\"><div class=\"t m2 x1bb hd8 y1da9 ff295 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a0 w6e hd7\"><div class=\"t m2 x266 hd8 y1da9 ff295 fs53 fc21 sc0 lsa7 wsfc\">Millioner kroner<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43a1 w13c hd9\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">Personku<span class=\"_ _5\"></span>nder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a1 w6e hd9\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a1 w6e hd9\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">008</span> </div></td><td class=\"c x4a8 y43a1 w183 hd9\"><div class=\"t m2 x1ba hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a1 w6e hd9\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">008</span> </div></td></tr><tr><td class=\"c x3db y4313 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>forvalt<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4313 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4313 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff294 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">159</span> </div></td><td class=\"c x4a8 y4313 w183 hdb\"><div class=\"t m2 x1ba hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4313 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td></tr><tr><td class=\"c x3db y43a2 w13c hda\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">Formuesf<span class=\"_ _5\"></span>orvalt<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a2 w6e hda\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a2 w6e hda\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">047</span> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y43a3 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff294 fs53 fc21 sc0 lsa7 wsd1\">DNB Carnegie<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a3 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a3 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">997</span> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y43a4 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a4 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a4 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x4a8 y43a4 w183 hdb\"><div class=\"t m2 x1ba hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a4 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">724</span> </div></td></tr><tr><td class=\"c x3db y4317 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff293 fs53 fc21 sc0 lsaa ws0\">Sum good<span class=\"_ _5\"></span>will<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x436 y4317 w6e hd9\"><div class=\"t m2 x1ba hdc y1db0 ff293 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>890<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4317 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff293 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">411</span> </div></td></tr></table>Personkunder<span class=\"ls0 ws0\"> </span>Enheten vedr\u00f8rer bankvirks<span class=\"_ _5\"></span>omheten (utl\u00e5n og innskudd) i kontornettet i Norge relatert til personm<span class=\"_ _5\"></span>arkedet<span class=\"lsbc ws103\">. </span><span class=\"wscf\">Goodwill gjelder<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">oppkj<span class=\"_ _5\"></span>\u00f8pspremie ved </span></span>overtak<span class=\"_ _5\"></span>else av Sbanken, fusjonen mellom DnB og Gjensidige NOR, oppkj\u00f8pspremie ved overtakelse av Nordlandsbanken samt noe goo<span class=\"lsb9 wscf\">dwill fra </span>tidligere overt<span class=\"_ _5\"></span>atte kontorer i Gjensidige NOR. De viktigste forutsetningene for kontants<span class=\"_ _5\"></span>tr\u00f8mmene i planperioden er utvikli<span class=\"_ _5\"></span>ng i marginer, volumer og nedskrivning p\u00e5 utl<span class=\"_ _5\"></span>\u00e5n. <span class=\"ls0 ws0\"> </span>Kapitalforv<span class=\"_ _5\"></span>altning<span class=\"ls0 ws0\"> </span>Enheten omfatter kapit<span class=\"_ _5\"></span>alforvaltningsvi<span class=\"_ _5\"></span>rksomhet, hovedsakelig i Norge og Sverige. Total goodwill fra enhetene i produktomr\u00e5det<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">v<span class=\"_ _5\"></span>urderes samlet, </span>og vurderingsenhet<span class=\"_ _5\"></span>en representerer hele produktomr\u00e5det. Goodwill fra denne enheten er hovedsakeli<span class=\"_ _5\"></span>g knyttet til oppkj\u00f8pet av Carnegie Fonder og Skandia Asset Management. De mest kritiske forutset<span class=\"_ _5\"></span>ningene for kontantstr\u00f8mmene i planperioden er utv<span class=\"_ _5\"></span>iklingen i verdipapir<span class=\"wscf\">mark<span class=\"_ _5\"></span>edene, </span>netto salg av verdipapirf<span class=\"_ _5\"></span>ond og marginer.<span class=\"ls0 ws0\"> </span>Formuesf<span class=\"_ _5\"></span>orvaltning<span class=\"ls0 ws0\"> </span>Enheten omfatter f<span class=\"_ _5\"></span>ormuesforvaltning i Norge, Sverige og Danmark. Formuesforvaltningstjenest<span class=\"_ _5\"></span>er inkluderer diskresjon\u00e6<span class=\"_ _5\"></span>r formuesforvaltning og tradisj<span class=\"_ _5\"></span>onelle banktjenester for velst\u00e5ende kunder.  Goodwill f<span class=\"_ _5\"></span>ra denne enheten er knyttet til oppkj\u00f8pet av Carnegie.<span class=\"ls0 ws0\"> </span>Viktige f<span class=\"_ _5\"></span>orutsetninger for kontantst<span class=\"_ _5\"></span>r\u00f8mmene i planperioden er utviklingen i forvaltningsk<span class=\"_ _5\"></span>apital, bankvolum og marginer.<span class=\"ls0 ws0\"> </span>DNB Carnegie<span class=\"ls0 ws0\"> </span>Enheten omfatter invest<span class=\"_ _5\"></span>eringsbankvirksomhet, trading<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span>og meglertjenester, verdipapi<span class=\"_ _5\"></span>rtjenester samt rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og <span class=\"_ _5\"></span>r\u00e5vareprodukter. Enhet<span class=\"_ _5\"></span>en har </span>produkter s<span class=\"_ _5\"></span>om dekker b\u00e5de aksje<span class=\"ls0 ws0\">- </span>og fremmedkapitalmarkedet. Goodwill fra denne enheten er hovedsakel<span class=\"_ _5\"></span>ig knyttet til oppkj\u00f8pet av Carnegie. Den viktigst<span class=\"_ _5\"></span>e forutsetningen for kontantstr\u00f8mmene i planperioden er inntektsv<span class=\"_ _5\"></span>ekst.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-441": {
   "value": "Note K37 Immaterielle eiendeler<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNBs immateriell<span class=\"_ _5\"></span>e eiendeler best\u00e5r i hovedsak av goodwill som er bokf\u00f8rt til anskaffelseskost. Goodwill<span class=\"_ _5\"></span> er restverdien som be<span class=\"lsbd ws117\">st<span class=\"_ _5\"></span>\u00e5r<span class=\"_ _5\"></span> av<span class=\"_ _5\"></span> </span>differans<span class=\"_ _5\"></span>en mellom anskaffelseskost og den kapitalisert<span class=\"_ _5\"></span>e verdien av et oppkj\u00f8pt selskap. Konseptet goodwill best\u00e5r av betaling for gevinst fra synergier, eiendel<span class=\"_ _5\"></span>er knyttet til ansatte, og andre immaterielle eiendeler som ikk<span class=\"_ _5\"></span>e kvalifiserer for innregning som en egen ei<span class=\"wsd2\">endel, framt<span class=\"_ _5\"></span>idig </span>superprofit<span class=\"_ _5\"></span>t og det faktum at utsatt skatt ikke skal neddiskonteres. Kapitalisert<span class=\"_ _5\"></span> goodwill stammer utelukkende fra oppkj\u00f8p.<span class=\"ls0 ws0\"> </span>Goodwill test<span class=\"_ _5\"></span>es for verdifall minimum \u00e5rlig. DNB har valgt \u00e5 gjennomf\u00f8re den \u00e5rlige testen i fjerde kvartal. Gjenvi<span class=\"_ _5\"></span>nnbart bel\u00f8p i goodwill nedskrivningst<span class=\"_ _5\"></span>esten er basert p\u00e5 en beregning av bruksverdi, hvor DNB neddiskonterer framtidi<span class=\"_ _5\"></span>ge kontantstr\u00f8mmer for <span class=\"lsbd ws104\">hv<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span> </span>kontantgenererende enhet<span class=\"_ _5\"></span>. Beregningene tar utgangspunkt i historisk<span class=\"_ _5\"></span>e resultater samt plantall som er godkjent av ledelsen.<span class=\"ls0 ws0\"> </span>\u00d8vrige immateriell<span class=\"_ _5\"></span>e eiendeler m\u00e5les til anskaffelsesk<span class=\"_ _5\"></span>ost fratrukket akkumulerte amortiseri<span class=\"_ _5\"></span>nger og nedskrivninger<span class=\"_ _1c5\"> </span>.<table class=\"s w3ba h513\" id=\"_1b3ca425-abe1-472e-858d-cd7b58f64bf2\"><tr><td></td><td></td><td></td><td class=\"c x45f y4383 w6e hd7\"><div class=\"t m2 x20e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td></td><td class=\"c x462 y4384 w6f hd7\"><div class=\"t m2 x44 hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsd1\">Utvikling av <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4384 w6e hd7\"><div class=\"t m2 x1bc hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsc9\">immaterielle <span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y4385 w13c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff28b fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4385 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff289 fs53 fc21 sc0 lsa7 wsc9\">Goodwill<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y4385 w6f hd7\"><div class=\"t m2 x1bc hcc y1db0 ff289 fs53 fc21 sc0 lsaa wscd\">IT<span class=\"ls0 ws0\">-systemer</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x45f y4385 w6e hd7\"><div class=\"t m2 x209 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">eiendel<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4385 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4386 w13c h11f\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>1. jan<span class=\"_ _5\"></span>uar 2<span class=\"_ _5\"></span>024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4386 w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">835</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4386 w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">109</span> </div></td><td class=\"c x45f y4386 w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">359</span> </div></td><td class=\"c x463 y4386 w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">303</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4387 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4387 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">798</span> </div></td><td class=\"c x45f y4387 w6e hde\"><div class=\"t m2 x134 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td class=\"c x463 y4387 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">803</span> </div></td></tr><tr><td class=\"c x45e y4388 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4388 w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4388 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(259)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4388 w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(523)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4389 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">12</span> </div></td><td class=\"c x462 y4389 w6f hdb\"><div class=\"t m2 x134 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 4 </div></td><td class=\"c x45f y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x463 y4389 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">40</span> </div></td></tr><tr><td class=\"c x45e y438a w13c h11f\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>esemb<span class=\"_ _5\"></span>er 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y438a w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">847</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y438a w6f h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">647</span> </div></td><td class=\"c x45f y438a w6e h11f\"><div class=\"t m2 x2d7 hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">128</span> </div></td><td class=\"c x463 y438a w6e h11f\"><div class=\"t m2 x19e hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">623</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y438b w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar 2024</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y438b w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y438b w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">536</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y438b w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(875)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438b w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">847</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y438c w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff289 fs53 fc21 sc0 ls0 ws0\">Avskrivninger </div></td><td></td><td class=\"c x462 y438c w6f hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(283)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y438c w6e hdb\"><div class=\"t m2 x249 hcc y1dae ff289 fs53 fc21 sc0 lsb2 wsf1\">(97)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438c w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff289 fs53 fc21 sc0 lsab wscb\">(381)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y438d w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y438d w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x45f y438d w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">259</span> </div></td><td class=\"c x463 y438d w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">359</span> </div></td></tr><tr><td class=\"c x45e y438e w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y438e w6e hda\"><div class=\"t m2 xf9 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y438e w6f hda\"><div class=\"t m2 xf9 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y438e w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438e w6e hda\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y438f w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber 2<span class=\"_ _5\"></span>024</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y438f w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y438f w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">719</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y438f w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(732)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y438f w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">888</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4390 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff28a fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4390 w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">411</span> </div></td><td class=\"c x462 y4390 w6f hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">928</span> </div></td><td class=\"c x45f y4390 w6e hd9\"><div class=\"t m2 x1b5 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">396</span> </div></td><td class=\"c x463 y4390 w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">10</span> <span class=\"lsab wscb\">735</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4391 w13c h11f\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>1. jan<span class=\"_ _5\"></span>uar 2<span class=\"_ _5\"></span>025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4391 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">847</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4391 w6f h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">647</span> </div></td><td class=\"c x45f y4391 w6e h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">128</span> </div></td><td class=\"c x463 y4391 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">19</span> <span class=\"lsab wscb\">623</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4392 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4392 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">201</span> </div></td><td class=\"c x462 y4392 w6f hde\"><div class=\"t m2 x1b5 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">633</span> </div></td><td class=\"c x45f y4392 w6e hde\"><div class=\"t m2 x2d7 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">902</span> </div></td><td class=\"c x463 y4392 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">736</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4393 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4393 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(256)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4393 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(206)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4393 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(462)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4394 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4394 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">279</span> </div></td><td class=\"c x462 y4394 w6f hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x45f y4394 w6e hdb\"><div class=\"t m2 x1e3 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">80</span> </div></td><td class=\"c x463 y4394 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">375</span> </div></td></tr><tr><td class=\"c x45e y4395 w13c h11f\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>esemb<span class=\"_ _5\"></span>er 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y4395 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">20</span> <span class=\"lsab wscb\">328</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y4395 w6f h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 7 <span class=\"lsab wscb\">041</span> </div></td><td class=\"c x45f y4395 w6e h11f\"><div class=\"t m2 x2d7 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">903</span> </div></td><td class=\"c x463 y4395 w6e h11f\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">31</span> <span class=\"lsab wscb\">272</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y4396 w13c hdd\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 1.<span class=\"_ _5\"></span> janu<span class=\"_ _5\"></span>ar 2025</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y4396 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y4396 w6f hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">719</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y4396 w6e hdd\"><div class=\"t m2 x1b8 hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">(732)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4396 w6e hdd\"><div class=\"t m2 x19e hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">888</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y4397 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4397 w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(74)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4397 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(122)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4397 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4398 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\">Avskrivninger </div></td><td></td><td class=\"c x462 y4398 w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(313)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4398 w6e hdb\"><div class=\"t m2 x249 hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(72)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4398 w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(386)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4399 w13c hda\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Fraregni<span class=\"_ _5\"></span>ng og avhen<span class=\"_ _5\"></span>delser<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x462 y4399 w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">154</span> </div></td><td class=\"c x45f y4399 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">206</span> </div></td><td class=\"c x463 y4399 w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">360</span> </div></td></tr><tr><td class=\"c x45e y439a w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff289 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y439a w6e hde\"><div class=\"t m2 xf9 hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(2)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x462 y439a w6f hde\"><div class=\"t m2 xf9 hcc y1da9 ff289 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y439a w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x463 y439a w6e hde\"><div class=\"t m2 x1e3 hcc y1da9 ff289 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">15</span> </div></td></tr><tr><td class=\"c x45e y439b w13c hd9\"><div class=\"t m2 x19f hcc y1db0 ff289 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span><span class=\"wscd\">og n<span class=\"_ _5\"></span>edskrivni<span class=\"_ _5\"></span>nger <span class=\"_ _5\"></span>per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber 2<span class=\"_ _5\"></span>025</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x461 y439b w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">438</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x462 y439b w6f hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">953</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x45f y439b w6e hd9\"><div class=\"t m2 x1b8 hcc y1db0 ff289 fs53 fc21 sc0 lsab wscb\">(703)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y439b w6e hd9\"><div class=\"t m2 x19e hcc y1db0 ff289 fs53 fc21 sc0 lsb2 wsf1\">(9<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">094</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y439c w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff28a fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y439c w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">890</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x462 y439c w6f hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">088</span> </div></td><td class=\"c x45f y439c w6e hd9\"><div class=\"t m2 x2d7 hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">200</span> </div></td><td class=\"c x463 y439c w6e hd9\"><div class=\"t m2 x19e hdc y1db0 ff28a fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">22</span> <span class=\"lsab wscb\">178</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr></table>Goodwill<span class=\"ls0 ws0\"> </span>Risikofri<span class=\"_ _5\"></span> rente er satt til 3,5 prosent, markedets risikopremi<span class=\"_ _5\"></span>e er <span class=\"_ _1\"></span>sat<span class=\"_ _5\"></span>t til 5,0 prosent og vekstfaktor p\u00e5 lang sikt er satt til 2,0 prosent. Disse forut<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>setningene er lik<span class=\"_ _5\"></span>e for alle vurderingsenheter, mens beta<span class=\"ls0 ws0\">-</span>verdier er estimert<span class=\"_ _5\"></span> for hver vurderingsenhet. <span class=\"wsd2\">Avkastningskrav<span class=\"_ _5\"></span>et er f\u00f8r s<span class=\"_ _5\"></span>katt. <span class=\"ls0 ws0\"> </span></span><table class=\"s w3bb h514\" id=\"_93b23e96-bfd2-47fa-a59e-3dee50886392\"><tr><td class=\"c x3db y439d w13c h136\"><div class=\"t m2 x19f hd1 y2036 ff293 fs55 fc21 sc0 lsae wsce\">Goodwill forde<span class=\"_ _1\"></span>lt p\u00e5 enhe<span class=\"_ _1\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x438 y439e w161 hd7\"><div class=\"t m2 x20f hcc y1da9 ff294 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a8 y439e w184 hd7\"><div class=\"t m2 x1e4 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y439f w6e h13b\"><div class=\"t m2 xb3 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">Avkastningskrav<span class=\"_ _5\"></span> </div></td><td class=\"c x436 y439f w6e h13b\"><div class=\"t m2 x44 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y439f w6f h13b\"><div class=\"t m2 xb3 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">Avkastningskrav<span class=\"_ _5\"></span> </div></td><td class=\"c x3de y439f w6e h13b\"><div class=\"t m2 x44 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x438 y43a0 w6e hd7\"><div class=\"t m2 x1b9 hd8 y1da9 ff295 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a0 w6e hd7\"><div class=\"t m2 x266 hd8 y1da9 ff295 fs53 fc21 sc0 lsa7 wsfc\">Millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a8 y43a0 w183 hd7\"><div class=\"t m2 x1bb hd8 y1da9 ff295 fs53 fc21 sc0 lsab wscb\">Prosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a0 w6e hd7\"><div class=\"t m2 x266 hd8 y1da9 ff295 fs53 fc21 sc0 lsa7 wsfc\">Millioner kroner<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43a1 w13c hd9\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">Personku<span class=\"_ _5\"></span>nder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a1 w6e hd9\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a1 w6e hd9\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">008</span> </div></td><td class=\"c x4a8 y43a1 w183 hd9\"><div class=\"t m2 x1ba hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a1 w6e hd9\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">008</span> </div></td></tr><tr><td class=\"c x3db y4313 w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>forvalt<span class=\"_ _5\"></span>ning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y4313 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4313 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff294 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">159</span> </div></td><td class=\"c x4a8 y4313 w183 hdb\"><div class=\"t m2 x1ba hcc y1db0 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4313 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td></tr><tr><td class=\"c x3db y43a2 w13c hda\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">Formuesf<span class=\"_ _5\"></span>orvalt<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a2 w6e hda\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a2 w6e hda\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">047</span> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y43a3 w13c hde\"><div class=\"t m2 x19f hcc y1da9 ff294 fs53 fc21 sc0 lsa7 wsd1\">DNB Carnegie<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a3 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a3 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff294 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">997</span> </div></td><td></td><td></td></tr><tr><td class=\"c x3db y43a4 w13c hdb\"><div class=\"t m2 x19f hcc y1dae ff294 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x438 y43a4 w6e hdb\"><div class=\"t m2 x1b5 hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y43a4 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x4a8 y43a4 w183 hdb\"><div class=\"t m2 x1ba hcc y1dae ff294 fs53 fc21 sc0 lsab wscb\">12,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43a4 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff294 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">724</span> </div></td></tr><tr><td class=\"c x3db y4317 w13c hd9\"><div class=\"t m2 x19f hdc y1db0 ff293 fs53 fc21 sc0 lsaa ws0\">Sum good<span class=\"_ _5\"></span>will<span class=\"ls0\"> </span></div></td><td></td><td class=\"c x436 y4317 w6e hd9\"><div class=\"t m2 x1ba hdc y1db0 ff293 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>890<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x3de y4317 w6e hd9\"><div class=\"t m2 x248 hdc y1db0 ff293 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">411</span> </div></td></tr></table>Personkunder<span class=\"ls0 ws0\"> </span>Enheten vedr\u00f8rer bankvirks<span class=\"_ _5\"></span>omheten (utl\u00e5n og innskudd) i kontornettet i Norge relatert til personm<span class=\"_ _5\"></span>arkedet<span class=\"lsbc ws103\">. </span><span class=\"wscf\">Goodwill gjelder<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">oppkj<span class=\"_ _5\"></span>\u00f8pspremie ved </span></span>overtak<span class=\"_ _5\"></span>else av Sbanken, fusjonen mellom DnB og Gjensidige NOR, oppkj\u00f8pspremie ved overtakelse av Nordlandsbanken samt noe goo<span class=\"lsb9 wscf\">dwill fra </span>tidligere overt<span class=\"_ _5\"></span>atte kontorer i Gjensidige NOR. De viktigste forutsetningene for kontants<span class=\"_ _5\"></span>tr\u00f8mmene i planperioden er utvikli<span class=\"_ _5\"></span>ng i marginer, volumer og nedskrivning p\u00e5 utl<span class=\"_ _5\"></span>\u00e5n. <span class=\"ls0 ws0\"> </span>Kapitalforv<span class=\"_ _5\"></span>altning<span class=\"ls0 ws0\"> </span>Enheten omfatter kapit<span class=\"_ _5\"></span>alforvaltningsvi<span class=\"_ _5\"></span>rksomhet, hovedsakelig i Norge og Sverige. Total goodwill fra enhetene i produktomr\u00e5det<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">v<span class=\"_ _5\"></span>urderes samlet, </span>og vurderingsenhet<span class=\"_ _5\"></span>en representerer hele produktomr\u00e5det. Goodwill fra denne enheten er hovedsakeli<span class=\"_ _5\"></span>g knyttet til oppkj\u00f8pet av Carnegie Fonder og Skandia Asset Management. De mest kritiske forutset<span class=\"_ _5\"></span>ningene for kontantstr\u00f8mmene i planperioden er utv<span class=\"_ _5\"></span>iklingen i verdipapir<span class=\"wscf\">mark<span class=\"_ _5\"></span>edene, </span>netto salg av verdipapirf<span class=\"_ _5\"></span>ond og marginer.<span class=\"ls0 ws0\"> </span>Formuesf<span class=\"_ _5\"></span>orvaltning<span class=\"ls0 ws0\"> </span>Enheten omfatter f<span class=\"_ _5\"></span>ormuesforvaltning i Norge, Sverige og Danmark. Formuesforvaltningstjenest<span class=\"_ _5\"></span>er inkluderer diskresjon\u00e6<span class=\"_ _5\"></span>r formuesforvaltning og tradisj<span class=\"_ _5\"></span>onelle banktjenester for velst\u00e5ende kunder.  Goodwill f<span class=\"_ _5\"></span>ra denne enheten er knyttet til oppkj\u00f8pet av Carnegie.<span class=\"ls0 ws0\"> </span>Viktige f<span class=\"_ _5\"></span>orutsetninger for kontantst<span class=\"_ _5\"></span>r\u00f8mmene i planperioden er utviklingen i forvaltningsk<span class=\"_ _5\"></span>apital, bankvolum og marginer.<span class=\"ls0 ws0\"> </span>DNB Carnegie<span class=\"ls0 ws0\"> </span>Enheten omfatter invest<span class=\"_ _5\"></span>eringsbankvirksomhet, trading<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span>og meglertjenester, verdipapi<span class=\"_ _5\"></span>rtjenester samt rente<span class=\"ls0 ws0\">- </span><span class=\"wsd2\">og <span class=\"_ _5\"></span>r\u00e5vareprodukter. Enhet<span class=\"_ _5\"></span>en har </span>produkter s<span class=\"_ _5\"></span>om dekker b\u00e5de aksje<span class=\"ls0 ws0\">- </span>og fremmedkapitalmarkedet. Goodwill fra denne enheten er hovedsakel<span class=\"_ _5\"></span>ig knyttet til oppkj\u00f8pet av Carnegie. Den viktigst<span class=\"_ _5\"></span>e forutsetningen for kontantstr\u00f8mmene i planperioden er inntektsv<span class=\"_ _5\"></span>ekst.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-23": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Varige<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">eiendel<span class=\"_ _5\"></span>er klassifiseres<span class=\"_ _5\"></span> som vari<span class=\"_ _5\"></span>ge drifts<span class=\"wsf6\">midler og m\u00e5les til ansk<span class=\"_ _5\"></span>affelseskost fratrukket line\u00e6<span class=\"_ _5\"></span>re avskrivninger og nedskrivninger.</span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-412": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K38 V<span class=\"_ _2\"></span>arige driftsmidler</div><div class=\"c w111 h147 gs1ab\"><div class=\"t m2 x248 hcf y20c1 ff296 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2762 ff297 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2763 ff296 fs55 fc21 sc0 lsaf wscf\">Varige<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">eiendel<span class=\"_ _5\"></span>er klassifiseres<span class=\"_ _5\"></span> som vari<span class=\"_ _5\"></span>ge drifts<span class=\"wsf6\">midler og m\u00e5les til ansk<span class=\"_ _5\"></span>affelseskost fratrukket line\u00e6<span class=\"_ _5\"></span>re avskrivninger og nedskrivninger.</span></span><span class=\"wsd2\"><span class=\"wsf6\"><span class=\"_ _5\"></span> </span></span><span class=\"wsd2\"><span class=\"wsf6\"><span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x248 hcf y2764 ff296 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2eac ff296 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs1ac\"><table class=\"s w3bc h515\" id=\"_8e088cb3-88c4-4714-b704-bc1b88aabc68\"><tr><td></td><td></td><td></td><td class=\"c x461 y43a5 wdc hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">Maskine<span class=\"_ _5\"></span>r, <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x513 y43a6 wde hd7\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Fast ei<span class=\"_ _5\"></span>endom <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x514 y43a6 wdd hd7\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Fast ei<span class=\"_ _5\"></span>endom <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y43a6 wdc hd7\"><div class=\"t m2 x28c hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">inventa<span class=\"_ _5\"></span>r og <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43a6 w128 hd7\"><div class=\"t m2 xda hcc y1db0 ff296 fs53 fc21 sc0 lsa7 wsc9\">Driftsmidler <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x516 y43a6 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Andre<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43a6 wde hd7\"><div class=\"t m2 x1bb hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">Bruks<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x513 y43a7 wde hd7\"><div class=\"t m2 x163 hcc y1db0 ff296 fs53 fc21 sc0 lsa7 wsd1\">til historisk <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x514 y43a7 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff296 fs53 fc21 sc0 lsa7 wsd1\">til virkelig <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y43a7 wdc hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">transp<span class=\"_ _5\"></span>ort<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x515 y43a7 w128 hd7\"><div class=\"t m2 x28d hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">operasj<span class=\"_ _5\"></span>onell <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x516 y43a7 wdd hd7\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">varige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43a7 wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsaa wscd\">retts<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x45e y43a8 w1dc hd7\"><div class=\"t m2 x19f hd8 y1db0 ff298 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43a8 wde hd7\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\">kost  </div></td><td class=\"c x514 y43a8 wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">verdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x461 y43a8 wdc hd7\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">midler <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43a8 w128 hd7\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">leasing <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x516 y43a8 wdd hd7\"><div class=\"t m2 x210 hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">driftsmidl<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43a8 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">eiendel<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43a8 wdf hd7\"><div class=\"t m2 x209 hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43a9 w1dc h11f\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>ert ans<span class=\"_ _5\"></span>kaff<span class=\"_ _5\"></span>elseskost<span class=\"_ _5\"></span> per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>s. 2023<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43a9 wde h11f\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">166</span> </div></td><td class=\"c x514 y43a9 wdd h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">740</span> </div></td><td class=\"c x461 y43a9 wdc h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">488</span> </div></td><td class=\"c x515 y43a9 w128 h11f\"><div class=\"t m2 x4f hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">18</span> <span class=\"lsab wscb\">042</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x516 y43a9 wdd h11f\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">42</span> </div></td><td class=\"c x517 y43a9 wde h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">601</span> </div></td><td class=\"c x518 y43a9 wdf h11f\"><div class=\"t m2 x4f hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">33</span> <span class=\"lsab wscb\">078</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y43aa w1dc hde\"><div class=\"t m2 x19f hcc y1dc1 ff296 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43aa wde hde\"><div class=\"t m2 x248 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 1 </div></td><td class=\"c x514 y43aa wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">58</span> </div></td><td class=\"c x461 y43aa wdc hde\"><div class=\"t m2 x20e hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">60</span> </div></td><td class=\"c x515 y43aa w128 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">250</span> </div></td><td class=\"c x516 y43aa wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">16</span> </div></td><td class=\"c x517 y43aa wde hde\"><div class=\"t m2 x247 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">418</span> </div></td><td class=\"c x518 y43aa wdf hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">803</span> </div></td></tr><tr><td class=\"c x45e y43ab w1dc hdb\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x517 y43ab wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">48</span> </div></td><td class=\"c x518 y43ab wdf hdb\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">48</span> </div></td></tr><tr><td class=\"c x45e y43ac w1dc hda\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Verdire<span class=\"_ _5\"></span>gulerin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x514 y43ac wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">27</span> </div></td><td></td><td></td><td></td><td class=\"c x517 y43ac wde hda\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">161</span> </div></td><td class=\"c x518 y43ac wdf hda\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">188</span> </div></td></tr><tr><td class=\"c x45e y43ad w1dc hdb\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Avhendel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x461 y43ad wdc hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(33)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43ad w128 hdb\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">349</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43ad wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43ad wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(392)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43ad wdf hdb\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">793</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43ae w1dc hde\"><div class=\"t m2 x19f hcc y1dc1 ff296 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43ae wde hde\"><div class=\"t m2 x248 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 7 </div></td><td></td><td class=\"c x461 y43ae wdc hde\"><div class=\"t m2 x20e hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">34</span> </div></td><td class=\"c x515 y43ae w128 hde\"><div class=\"t m2 x247 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">285</span> </div></td><td class=\"c x516 y43ae wdd hde\"><div class=\"t m2 x248 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 2 </div></td><td class=\"c x517 y43ae wde hde\"><div class=\"t m2 x247 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">102</span> </div></td><td class=\"c x518 y43ae wdf hde\"><div class=\"t m2 x247 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">430</span> </div></td></tr><tr><td class=\"c x45e y43af w1dc hd9\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>es. 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43af wde hd9\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">175</span> </div></td><td class=\"c x514 y43af wdd hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">825</span> </div></td><td class=\"c x461 y43af wdc hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">549</span> </div></td><td class=\"c x515 y43af w128 hd9\"><div class=\"t m2 x4f hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">228</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x516 y43af wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">41</span> </div></td><td class=\"c x517 y43af wde hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">938</span> </div></td><td class=\"c x518 y43af wdf hd9\"><div class=\"t m2 x4f hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">32</span> <span class=\"lsab wscb\">755</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y43b0 w1dc h256\"><div class=\"t m2 x19f hcc y1dc1 ff296 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span>og nedsk<span class=\"_ _5\"></span>rivning<span class=\"_ _5\"></span>er per 31. des. 20<span class=\"_ _5\"></span>23<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43b0 wde h256\"><div class=\"t m2 x20f hcc y1dc1 ff296 fs53 fc21 sc0 lsab wscb\">(113)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43b0 wdc h256\"><div class=\"t m2 x329 hcc y1dc1 ff296 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">560</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x515 y43b0 w128 h256\"><div class=\"t m2 x329 hcc y1dc1 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">260</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43b0 wdd h256\"><div class=\"t m2 x1b9 hcc y1dc1 ff296 fs53 fc21 sc0 lsb2 wsf1\">(30)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43b0 wde h256\"><div class=\"t m2 x329 hcc y1dc1 ff296 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">677</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x518 y43b0 wdf h256\"><div class=\"t m2 x1bc hcc y1dc1 ff296 fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">639</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43b1 w1dc h1eb\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsa9 wsca\">Jus<span class=\"_ _1\"></span>tering<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x517 y43b1 wde h1eb\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">31</span> </div></td><td class=\"c x518 y43b1 wdf h1eb\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">31</span> </div></td></tr><tr><td class=\"c x45e y43b2 w1dc hde\"><div class=\"t m2 x19f hcc y1dc1 ff296 fs53 fc21 sc0 lsab wscb\">Avhendel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x461 y43b2 wdc hde\"><div class=\"t m2 x20e hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">27</span> </div></td><td class=\"c x515 y43b2 w128 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">688</span> </div></td><td class=\"c x516 y43b2 wdd hde\"><div class=\"t m2 x20e hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">17</span> </div></td><td class=\"c x517 y43b2 wde hde\"><div class=\"t m2 x247 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">392</span> </div></td><td class=\"c x518 y43b2 wdf hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff296 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">125</span> </div></td></tr><tr><td class=\"c x3f6 y43b3 w3bd h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff296 fs53 fc21 sc0 ls0 ws0\">Avskrivninger</div><div class=\"t m2 x519 h121 y3e5e ff296 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x513 y43b4 wde hdb\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(3)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43b4 wdc hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(98)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43b4 w128 hdb\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">382</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43b4 wdd hdb\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43b4 wde hdb\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(593)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43b4 wdf hdb\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">081</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43b5 w1dc hdb\"><div class=\"t m2 x19f hcc y1dae ff296 fs53 fc21 sc0 lsab wscb\">Nedskri<span class=\"_ _5\"></span>vning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x517 y43b5 wde hdb\"><div class=\"t m2 x20e hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">32</span> </div></td><td class=\"c x518 y43b5 wdf hdb\"><div class=\"t m2 x20e hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">32</span> </div></td></tr><tr><td class=\"c x45e y43b6 w1dc hda\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43b6 wde hda\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(6)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43b6 wdc hda\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(21)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43b6 w128 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(94)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x516 y43b6 wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43b6 wde hda\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(94)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43b6 wdf hda\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(216)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43b7 w1dc h257\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span>og nedsk<span class=\"_ _5\"></span>rivning<span class=\"_ _5\"></span>er per 31. des. 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43b7 wde h257\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(123)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43b7 wdc h257\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">652</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x515 y43b7 w128 h257\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">048</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43b7 wdd h257\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43b7 wde h257\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">908</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x518 y43b7 wdf h257\"><div class=\"t m2 x1bc hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">748</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43b8 w1dc hd9\"><div class=\"t m2 x19f hdc y1da9 ff297 fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>des. 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43b8 wde hd9\"><div class=\"t m2 x20e hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">52</span> </div></td><td class=\"c x514 y43b8 wdd hd9\"><div class=\"t m2 x1e4 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">825</span> </div></td><td class=\"c x461 y43b8 wdc hd9\"><div class=\"t m2 x247 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">897</span> </div></td><td class=\"c x515 y43b8 w128 hd9\"><div class=\"t m2 x4f hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">12</span> <span class=\"lsab wscb\">179</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x516 y43b8 wdd hd9\"><div class=\"t m2 x20e hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">23</span> </div></td><td class=\"c x517 y43b8 wde hd9\"><div class=\"t m2 x1e4 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">030</span> </div></td><td class=\"c x518 y43b8 wdf hd9\"><div class=\"t m2 x4f hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">21</span> <span class=\"lsab wscb\">006</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x477 y43b9 w111 h147\"><div class=\"t m2 x1b5 hcc y2ebb ff296 fs53 fc21 sc0 lsab wscd\">Verdi av <span class=\"_ _5\"></span>eiendom<span class=\"_ _5\"></span> kl<span class=\"_ _5\"></span>assifis<span class=\"_ _5\"></span>ert til vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span> etter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y43ba w1dd h127\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\"></span><span class=\"lsab wscd\">historis<span class=\"_ _5\"></span>k kos<span class=\"_ _5\"></span>t</span><span class=\"ws0\">-<span class=\"lsab wscb\">prinsi<span class=\"_ _5\"></span>ppet</span></span><span class=\"ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x514 y43ba wdd h127\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">573</span> </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y43bb w1dc hd9\"><div class=\"t m2 x19f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscd\">Akkumul<span class=\"_ _5\"></span>ert ans<span class=\"_ _5\"></span>kaff<span class=\"_ _5\"></span>elseskost<span class=\"_ _5\"></span> per 3<span class=\"_ _5\"></span>1. de<span class=\"_ _5\"></span>s. 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43bb wde hd9\"><div class=\"t m2 x247 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">175</span> </div></td><td class=\"c x514 y43bb wdd hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">825</span> </div></td><td class=\"c x461 y43bb wdc hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">549</span> </div></td><td class=\"c x515 y43bb w128 hd9\"><div class=\"t m2 x4f hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">17</span> <span class=\"lsab wscb\">228</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x516 y43bb wdd hd9\"><div class=\"t m2 x20e hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">41</span> </div></td><td class=\"c x517 y43bb wde hd9\"><div class=\"t m2 x1e4 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">938</span> </div></td><td class=\"c x518 y43bb wdf hd9\"><div class=\"t m2 x4f hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">32</span> <span class=\"lsab wscb\">755</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y43bc w1dc h1eb\"><div class=\"t m2 x19f hcc y1dae ff296 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43bc wde h1eb\"><div class=\"t m2 x20e hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">55</span> </div></td><td class=\"c x514 y43bc wdd h1eb\"><div class=\"t m2 x247 hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x461 y43bc wdc h1eb\"><div class=\"t m2 x247 hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">351</span> </div></td><td class=\"c x515 y43bc w128 h1eb\"><div class=\"t m2 x1e4 hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> 3 <span class=\"lsab wscb\">548</span> </div></td><td class=\"c x516 y43bc wdd h1eb\"><div class=\"t m2 x20e hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">46</span> </div></td><td class=\"c x517 y43bc wde h1eb\"><div class=\"t m2 x1e4 hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">045</span> </div></td><td class=\"c x518 y43bc wdf h1eb\"><div class=\"t m2 x1e4 hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> 5 <span class=\"lsab wscb\">144</span> </div></td></tr><tr><td class=\"c x45e y43bd w1dc h154\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x461 y43bd wdc h154\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">398</span> </div></td><td></td><td></td><td class=\"c x517 y43bd wde h154\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">789</span> </div></td><td class=\"c x518 y43bd wdf h154\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 1 <span class=\"lsab wscb\">187</span> </div></td></tr><tr><td class=\"c x45e y43be w1dc h135\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Verdire<span class=\"_ _5\"></span>gulerin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43be wde h135\"><div class=\"t m2 x248 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td class=\"c x514 y43be wdd h135\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">242</span> </div></td><td class=\"c x461 y43be wdc h135\"><div class=\"t m2 x248 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td></td><td class=\"c x516 y43be wdd h135\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43be wde h135\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">156</span> </div></td><td class=\"c x518 y43be wdf h135\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">399</span> </div></td></tr><tr><td class=\"c x45e y43bf w1dc h154\"><div class=\"t m2 x19f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">Avhendel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43bf wde h154\"><div class=\"t m2 x20e hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43bf wdc h154\"><div class=\"t m2 x20f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">(367)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43bf w128 h154\"><div class=\"t m2 x329 hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">791</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43bf wdd h154\"><div class=\"t m2 x20e hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43bf wde h154\"><div class=\"t m2 x20f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">(227)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43bf wdf h154\"><div class=\"t m2 x329 hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">392</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43c0 w1dc h135\"><div class=\"t m2 x19f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43c0 wde h135\"><div class=\"t m2 x20e hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43c0 wdc h135\"><div class=\"t m2 x1b9 hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(31)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43c0 w128 h135\"><div class=\"t m2 x247 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">412</span> </div></td><td class=\"c x516 y43c0 wdd h135\"><div class=\"t m2 x248 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td class=\"c x517 y43c0 wde h135\"><div class=\"t m2 x1b9 hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(80)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43c0 wdf h135\"><div class=\"t m2 x247 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">298</span> </div></td></tr><tr><td class=\"c x45e y43c1 w1dc h257\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Anskaf<span class=\"_ _5\"></span>felsesko<span class=\"_ _5\"></span>st per <span class=\"_ _5\"></span>31. d<span class=\"_ _5\"></span>es. 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43c1 wde h257\"><div class=\"t m2 x247 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">220</span> </div></td><td class=\"c x514 y43c1 wdd h257\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">167</span> </div></td><td class=\"c x461 y43c1 wdc h257\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">900</span> </div></td><td class=\"c x515 y43c1 w128 h257\"><div class=\"t m2 x4f hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">16</span> <span class=\"lsab wscb\">397</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x516 y43c1 wdd h257\"><div class=\"t m2 x20e hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">86</span> </div></td><td class=\"c x517 y43c1 wde h257\"><div class=\"t m2 x1e4 hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">622</span> </div></td><td class=\"c x518 y43c1 wdf h257\"><div class=\"t m2 x4f hcc y1db0 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">34</span> <span class=\"lsab wscb\">391</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x45e y43c2 w1dc h259\"><div class=\"t m2 x19f hcc y200f ff296 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span>og nedsk<span class=\"_ _5\"></span>rivning<span class=\"_ _5\"></span>er per 31. des. 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43c2 wde h259\"><div class=\"t m2 x20f hcc y200f ff296 fs53 fc21 sc0 lsab wscb\">(123)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43c2 wdc h259\"><div class=\"t m2 x329 hcc y200f ff296 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">652</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x515 y43c2 w128 h259\"><div class=\"t m2 x329 hcc y200f ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">048</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43c2 wdd h259\"><div class=\"t m2 x1b9 hcc y200f ff296 fs53 fc21 sc0 lsb2 wsf1\">(18)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43c2 wde h259\"><div class=\"t m2 x329 hcc y200f ff296 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">908</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x518 y43c2 wdf h259\"><div class=\"t m2 x1bc hcc y200f ff296 fs53 fc21 sc0 lsb2 wsf1\">(11<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">748</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43c3 w1dc h154\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscd\">Tilgang<span class=\"_ _5\"></span> gjenn<span class=\"_ _5\"></span>om oppk<span class=\"_ _5\"></span>j\u00f8p<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x461 y43c3 wdc h154\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(332)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x517 y43c3 wde h154\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(443)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43c3 wdf h154\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(774)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43c4 w1dc h154\"><div class=\"t m2 x19f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">Avhendel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43c4 wde h154\"><div class=\"t m2 x248 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 5 </div></td><td></td><td class=\"c x461 y43c4 wdc h154\"><div class=\"t m2 x247 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">316</span> </div></td><td class=\"c x515 y43c4 w128 h154\"><div class=\"t m2 x1e4 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">372</span> </div></td><td class=\"c x516 y43c4 wdd h154\"><div class=\"t m2 x248 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 0 </div></td><td class=\"c x517 y43c4 wde h154\"><div class=\"t m2 x247 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">131</span> </div></td><td class=\"c x518 y43c4 wdf h154\"><div class=\"t m2 x1e4 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">824</span> </div></td></tr><tr><td class=\"c x3f6 y43c5 w3bd h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff296 fs53 fc21 sc0 ls0 ws0\">Avskrivninger</div><div class=\"t m2 x519 h121 y3ebb ff296 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x513 y43c6 wde h135\"><div class=\"t m2 x20e hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(4)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43c6 wdc h135\"><div class=\"t m2 x20f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">(258)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x515 y43c6 w128 h135\"><div class=\"t m2 x329 hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">350</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43c6 wdd h135\"><div class=\"t m2 x20e hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(8)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43c6 wde h135\"><div class=\"t m2 x20f hcc y1da9 ff296 fs53 fc21 sc0 lsab wscb\">(671)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43c6 wdf h135\"><div class=\"t m2 x329 hcc y1da9 ff296 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">292</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43c7 w1dc h1eb\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">Nedskri<span class=\"_ _5\"></span>vning<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x515 y43c7 w128 h1eb\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(900)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x518 y43c7 wdf h1eb\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(900)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43c8 w1dc h135\"><div class=\"t m2 x19f hcc y1dae ff296 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>ursendri<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43c8 wde h135\"><div class=\"t m2 x248 hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> 4 </div></td><td></td><td class=\"c x461 y43c8 wdc h135\"><div class=\"t m2 x20e hcc y1dae ff296 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">14</span> </div></td><td class=\"c x515 y43c8 w128 h135\"><div class=\"t m2 x20f hcc y1dae ff296 fs53 fc21 sc0 lsab wscb\">(114)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x516 y43c8 wdd h135\"><div class=\"t m2 x20e hcc y1dae ff296 fs53 fc21 sc0 lsb2 wsf1\">(0)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43c8 wde h135\"><div class=\"t m2 x20f hcc y1dae ff296 fs53 fc21 sc0 lsab wscb\">(302)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x518 y43c8 wdf h135\"><div class=\"t m2 x20f hcc y1dae ff296 fs53 fc21 sc0 lsab wscb\">(399)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43c9 w1dc h257\"><div class=\"t m2 x19f hcc y1db0 ff296 fs53 fc21 sc0 lsab wsd0\">Samlede av<span class=\"ls0 ws0\">-<span class=\"_ _5\"></span> </span>og nedsk<span class=\"_ _5\"></span>rivning<span class=\"_ _5\"></span>er per 31. des. 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43c9 wde h257\"><div class=\"t m2 x20f hcc y1db0 ff296 fs53 fc21 sc0 lsab wscb\">(118)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x461 y43c9 wdc h257\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">912</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x515 y43c9 w128 h257\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">041</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x516 y43c9 wdd h257\"><div class=\"t m2 x1b9 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x517 y43c9 wde h257\"><div class=\"t m2 x329 hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">193</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x518 y43c9 wdf h257\"><div class=\"t m2 x1bc hcc y1db0 ff296 fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">289</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y43ca w1dc h256\"><div class=\"t m2 x19f hdc y1da9 ff297 fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span>verdi p<span class=\"_ _5\"></span>er 31. <span class=\"_ _5\"></span>des. 202<span class=\"_ _5\"></span>5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x513 y43ca wde h256\"><div class=\"t m2 x247 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">101</span> </div></td><td class=\"c x514 y43ca wdd h256\"><div class=\"t m2 x1e4 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> 6 <span class=\"lsab wscb\">167</span> </div></td><td class=\"c x461 y43ca wdc h256\"><div class=\"t m2 x247 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">988</span> </div></td><td class=\"c x515 y43ca w128 h256\"><div class=\"t m2 x4f hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">11</span> <span class=\"lsab wscb\">356</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x516 y43ca wdd h256\"><div class=\"t m2 x20e hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">61</span> </div></td><td class=\"c x517 y43ca wde h256\"><div class=\"t m2 x1e4 hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> 2 <span class=\"lsab wscb\">429</span> </div></td><td class=\"c x518 y43ca wdf h256\"><div class=\"t m2 x4f hdc y1da9 ff297 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">21</span> <span class=\"lsab wscb\">102</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x477 y43b9 w111 h147\"><div class=\"t m2 x1b5 hcc y2ecc ff296 fs53 fc21 sc0 lsab wscd\">Verdi av <span class=\"_ _5\"></span>eiendom<span class=\"_ _5\"></span> kl<span class=\"_ _5\"></span>assifis<span class=\"_ _5\"></span>ert til vi<span class=\"_ _5\"></span>rkeli<span class=\"_ _5\"></span>g verdi<span class=\"_ _5\"></span> etter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y43cb w1dd h129\"><div class=\"t m2 x19f hcc y1da9 ff296 fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\"></span><span class=\"lsab wscd\">historis<span class=\"_ _5\"></span>k kos<span class=\"_ _5\"></span>t</span><span class=\"ws0\">-<span class=\"lsab wscb\">prinsi<span class=\"_ _5\"></span>ppet</span></span><span class=\"ws0\"><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x514 y43cb wdd h129\"><div class=\"t m2 x1e4 hcc y1da9 ff296 fs53 fc21 sc0 ls0 ws0\"> 4 <span class=\"lsab wscb\">672</span> </div></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"c w111 h147 gs1ab\"><div class=\"t m2 x248 hd8 y2ece ff298 fs53 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hd8 y2ecf ff298 fs53 fc21 sc0 lsab wscb\">1 <span class=\"_ _1b4\"> </span><span class=\"wscd\">Med<span class=\"_ _5\"></span> utgangs<span class=\"_ _5\"></span>punk<span class=\"_ _5\"></span>t i ans<span class=\"_ _5\"></span>kaffelse<span class=\"_ _5\"></span>skos<span class=\"_ _5\"></span>t fratr<span class=\"_ _5\"></span>ukket ev<span class=\"_ _5\"></span>entuell <span class=\"_ _5\"></span>restve<span class=\"_ _5\"></span>rdi avsk<span class=\"_ _5\"></span>rives<span class=\"_ _5\"></span> eiend<span class=\"_ _5\"></span>elene li<span class=\"_ _5\"></span>ne\u00e6r<span class=\"_ _5\"></span>t over<span class=\"_ _5\"></span> forve<span class=\"_ _5\"></span>ntet bruk<span class=\"_ _5\"></span>sti<span class=\"_ _5\"></span>d innen<span class=\"_ _5\"></span>for f<span class=\"_ _5\"></span>\u00f8lgende r<span class=\"_ _5\"></span>amm<span class=\"_ _5\"></span>er:<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hd8 y2ed0 ff298 fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsab wscd\">Tekniske<span class=\"_ _5\"></span> anleg<span class=\"_ _5\"></span>g</span> <span class=\"_ _83\"> </span><span class=\"lsab wsd0\">10 \u00e5r</span> </div><div class=\"t m2 x248 hd8 y2ed1 ff298 fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsab wscb\">Maskine<span class=\"_ _5\"></span>r<span class=\"ws136\"> 3-<span class=\"lsa9 ws87\">10 \u00e5r</span></span></span> </div><div class=\"t m2 x248 hd8 y2ed2 ff298 fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsaa\">Inventar m<span class=\"_ _5\"></span>.v.<span class=\"lsab ws137\"> 5-<span class=\"lsa9 ws87\">10 \u00e5r</span></span></span> </div><div class=\"t m2 x248 hd8 y2ed3 ff298 fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsaa wscd\">IT</span>-<span class=\"lsaa wscd\">utstyr<span class=\"_ _5\"></span><span class=\"lsab ws138\"> 3-<span class=\"wscd\">5 \u00e5r</span></span></span> </div><div class=\"t m2 x248 hd8 y2ed4 ff298 fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsab wscb\">Trans<span class=\"_ _5\"></span>portmidl<span class=\"_ _5\"></span>er<span class=\"ws139\"> 5-<span class=\"wscd\">7 \u00e5r<span class=\"_ _5\"></span></span></span></span> </div><div class=\"t m2 x248 hcf y2ed5 ff296 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2ed6 ff296 fs55 fc21 sc0 lsbb ws102\">DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet har ikk<span class=\"_ _5\"></span>e stilt sikkerheter for l\u00e5n/funding av varige driftsm<span class=\"_ _5\"></span>idler, herunder eiendom.</span></span><span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-24": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>DNB<span class=\"_ _5\"></span> s<span class=\"_ _5\"></span>om ut<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>ei<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>En leieavtal<span class=\"_ _5\"></span>e klassifiseres som finansiell leieavtal<span class=\"_ _5\"></span>e dersom den i det vesentlige overf\u00f8rer risiko og avkastning forbundet med eiersk<span class=\"_ _5\"></span>ap. \u00d8vrige leieavt<span class=\"_ _5\"></span>aler klassifiseres s<span class=\"_ _5\"></span>om operasjonel<span class=\"_ _5\"></span>le leie<span class=\"wscf\">avtaler.<span class=\"ls0 ws0\"> </span></span>Operasjonelle l<span class=\"_ _5\"></span>eiea<span class=\"ls0 ws0\">v</span><span class=\"wscf\">taler<span class=\"ls0 ws0\"> </span></span>Driftsmi<span class=\"_ _5\"></span>dlene balansef\u00f8res som varige driftsmidler i balansen. Leieinntek<span class=\"_ _5\"></span>t fra operasjonelle leieavtaler innregnes<span class=\"_ _5\"></span> i inntekten p\u00e5 line\u00e6rt grunnlag i leieperioden og pres<span class=\"_ _5\"></span>enteres p\u00e5 regnskapslinjen \u00abnetto renteinntekter\u00bb i res<span class=\"_ _5\"></span>ultat<span class=\"wscf\">regn</span>skapet. Regnskapsm<span class=\"_ _5\"></span>essige avskrivninger av de varige drif<span class=\"_ _5\"></span>ts<span class=\"lsaf wsf6\">midl<span class=\"_ _5\"></span>ene klassifiseres som ordin\u00e6re avskrivninger i resul<span class=\"_ _5\"></span>tatregnskapet.<span class=\"ls0 ws0\"> </span></span>Finansiel<span class=\"_ _5\"></span>le leieavtaler<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le leieavtaler presenteres som utl\u00e5n og verdien p\u00e5 oppstartsti<span class=\"_ _5\"></span>dspunktet settes lik nettoinvesteringen i l<span class=\"_ _5\"></span>eieavtalen. Netto<span class=\"wscf\">invest<span class=\"_ _5\"></span>eringen </span>tilsvarer minimu<span class=\"_ _1\"></span>msleie,<span class=\"_ _1\"></span> ikke<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">garantert restverdi<span class=\"_ _5\"></span> og utleiers eventuelle direkt<span class=\"_ _5\"></span>e utgifter til avtaleinng\u00e5else <span class=\"wscf\">ned</span>diskontert<span class=\"_ _5\"></span> med internrenten. Leie</span>-<span class=\"_ _1c5\"> </span></span>inntekter innt<span class=\"_ _5\"></span>ektsf\u00f8res etter et annuitetsprins<span class=\"_ _5\"></span>ipp, hvor renteelementet inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, mens avdrag reduserer balanseverdien av utl\u00e5n.<span class=\"_ _1c5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-413": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K39 Leiea<span class=\"_ _1\"></span>vtaler</div><div class=\"c w73 h14e gs1af\"><div class=\"t m2 x20e hcf y2145 ff2a0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y2d2a ff29f fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2d2b ff2a0 fs55 fc21 sc0 lsbd ws117\">DNB<span class=\"_ _5\"></span> s<span class=\"_ _5\"></span>om ut<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>ei<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y272a ff2a0 fs55 fc21 sc0 lsaf wsf6\">En leieavtal<span class=\"_ _5\"></span>e klassifiseres som finansiell leieavtal<span class=\"_ _5\"></span>e dersom den i det vesentlige overf\u00f8rer risiko og avkastning forbundet med eiersk<span class=\"_ _5\"></span>ap. \u00d8vrige </div><div class=\"t m2 x20e hcf y2d2c ff2a0 fs55 fc21 sc0 lsaf wsd2\">leieavt<span class=\"_ _5\"></span>aler klassifiseres s<span class=\"_ _5\"></span>om operasjonel<span class=\"_ _5\"></span>le leie<span class=\"wscf\">avtaler.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2f26 ff2a0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h183 y2f27 ff2a1 fs55 fc21 sc0 lsaf wsf6\">Operasjonelle l<span class=\"_ _5\"></span>eiea<span class=\"ls0 ws0\">v</span><span class=\"wscf\">taler<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2f28 ff2a0 fs55 fc21 sc0 lsaf wsf6\">Driftsmi<span class=\"_ _5\"></span>dlene balansef\u00f8res som varige driftsmidler i balansen. Leieinntek<span class=\"_ _5\"></span>t fra operasjonelle leieavtaler innregnes<span class=\"_ _5\"></span> i inntekten p\u00e5 line\u00e6rt grunnlag </div><div class=\"t m2 x20e hcf y2f29 ff2a0 fs55 fc21 sc0 lsaf wsf6\">i leieperioden og pres<span class=\"_ _5\"></span>enteres p\u00e5 regnskapslinjen \u00abnetto renteinntekter\u00bb i res<span class=\"_ _5\"></span>ultat<span class=\"wscf\">regn</span>skapet. Regnskapsm<span class=\"_ _5\"></span>essige avskrivninger av de varige </div><div class=\"t m2 x20e hcf y2f2a ff2a0 fs55 fc21 sc0 lsc4 ws115\">drif<span class=\"_ _5\"></span>ts<span class=\"lsaf wsf6\">midl<span class=\"_ _5\"></span>ene klassifiseres som ordin\u00e6re avskrivninger i resul<span class=\"_ _5\"></span>tatregnskapet.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2f2b ff2a0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h183 y2f2c ff2a1 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le leieavtaler<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2f2d ff2a0 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le leieavtaler presenteres som utl\u00e5n og verdien p\u00e5 oppstartsti<span class=\"_ _5\"></span>dspunktet settes lik nettoinvesteringen i l<span class=\"_ _5\"></span>eieavtalen. Netto<span class=\"wscf\">invest<span class=\"_ _5\"></span>eringen </span></div><div class=\"t m2 x20e hcf y2f2e ff2a0 fs55 fc21 sc0 lsb9 ws123\">tilsvarer minimu<span class=\"_ _1\"></span>msleie,<span class=\"_ _1\"></span> ikke<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">garantert restverdi<span class=\"_ _5\"></span> og utleiers eventuelle direkt<span class=\"_ _5\"></span>e utgifter til avtaleinng\u00e5else <span class=\"wscf\">ned</span>diskontert<span class=\"_ _5\"></span> med internrenten. Leie</span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2f2f ff2a0 fs55 fc21 sc0 lsaf wsf6\">inntekter innt<span class=\"_ _5\"></span>ektsf\u00f8res etter et annuitetsprins<span class=\"_ _5\"></span>ipp, hvor renteelementet inng\u00e5r i \u00abNetto rent<span class=\"_ _5\"></span>einntekter\u00bb, mens avdrag reduserer balanseverdien av </div><div class=\"t m2 x20e hcf y23a0 ff2a0 fs55 fc21 sc0 lsaf wscf\">utl\u00e5n.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2f30 ff2a0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2f31 ff2a0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2f32 ff2a0 fs55 fc21 sc0 lsaf wsf6\">DNB Finans tilbyr operasj<span class=\"_ _5\"></span>onelle og finansielle leieavtaler, fl\u00e5t<span class=\"_ _5\"></span>estyring og l\u00e5n til bedriftskunder, offentlig s<span class=\"_ _5\"></span>ektor og forbr<span class=\"wsd2\">ukere i <span class=\"_ _5\"></span>Norge, Sverige, </span></div><div class=\"t m2 x20e hcf y2f33 ff2a0 fs55 fc21 sc0 lsaf wsf6\">Danmark og Finland. Virks<span class=\"_ _5\"></span>omheten drives gjennom leverand\u00f8rpartnersk<span class=\"_ _5\"></span>ap og direktesalg, i n\u00e6rt samarbeid med kunder\u00e5dgivere i DNB Bank </div><div class=\"t m2 x20e hcf y2f34 ff2a0 fs55 fc21 sc0 lsaf wsf6\">der det er mulig. Fokus er p\u00e5 \u00e5 finansiere kurante eiendeler der det er et eksisterende og fungerende bruktm<span class=\"_ _5\"></span>arked. Den st\u00f8rst<span class=\"lsbd ws117\">e ak<span class=\"_ _5\"></span>ti<span class=\"_ _5\"></span>v<span class=\"_ _5\"></span>akl<span class=\"_ _5\"></span>as<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span>en i<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x20e hcf y2f35 ff2a0 fs55 fc21 sc0 lsaf wsf6\">portef\u00f8lj<span class=\"_ _5\"></span>en er personbiler og varebiler. Andre store aktivaklasser er buss<span class=\"_ _5\"></span>er, lastebiler og tilhengere og anleggsmaskiner. Med effekt fra 2025 <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2f36 ff2a0 fs55 fc21 sc0 lsaf wsf6\">viser tabell<span class=\"_ _5\"></span>ene udiskonterte leiebetalinger for hvert av de fem f\u00f8rste \u00e5rene og samlet bel\u00f8p for resterende \u00e5r. Tall for tidligere perioder er jus<span class=\"_ _5\"></span>tert <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2f37 ff2a0 fs55 fc21 sc0 lsaf wscf\">tilsvarende.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2f38 ff2a0 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs1b0\"><table class=\"s w35a h516\" id=\"_749196ee-cda2-4f33-aa72-7d97522d04d6\"><tr><td class=\"c x3db y43cc w71 h139\"><div class=\"t m2 x19f hd1 y2193 ff29f fs55 fc21 sc0 lsaf wsf6\">Finansiell<span class=\"_ _5\"></span>e utleieavtaler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y43cd w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2a1 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43cd w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43cd w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43ce w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Bruttoinv<span class=\"_ _5\"></span>este<span class=\"_ _5\"></span>ring i l<span class=\"_ _5\"></span>eieavtal<span class=\"_ _5\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y43cf w71 hde\"><div class=\"t m2 x163 hcc y2401 ff2a0 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er inne<span class=\"_ _5\"></span>n 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43cf w6f hde\"><div class=\"t m2 x1ba hcc y2401 ff2a0 fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>690<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43cf w6e hde\"><div class=\"t m2 x1ba hcc y2401 ff2a0 fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>977<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43d0 w71 hda\"><div class=\"t m2 x163 hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 1 <span class=\"ls0 ws0\">- </span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d0 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>486<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43d0 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43d1 w71 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 2 <span class=\"ls0 ws0\">- </span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d1 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>616<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43d1 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>184<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43d2 w71 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 3<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">4 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d2 w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">165</span> </div></td><td class=\"c x3de y43d2 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">779</span> </div></td></tr><tr><td class=\"c x3db y43d3 w71 hde\"><div class=\"t m2 x163 hcc y2401 ff2a0 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 4<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">5 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d3 w6f hde\"><div class=\"t m2 x248 hcc y2401 ff2a0 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">046</span> </div></td><td class=\"c x3de y43d3 w6e hde\"><div class=\"t m2 x248 hcc y2401 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">826</span> </div></td></tr><tr><td class=\"c x3db y43d4 w71 hda\"><div class=\"t m2 x163 hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er sen<span class=\"_ _5\"></span>ere enn <span class=\"_ _5\"></span>5 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d4 w6f hda\"><div class=\"t m2 x248 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">754</span> </div></td><td class=\"c x3de y43d4 w6e hda\"><div class=\"t m2 x248 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">412</span> </div></td></tr><tr><td class=\"c x3db y43d5 w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Total b<span class=\"_ _5\"></span>ruttoin<span class=\"_ _5\"></span>vesteri<span class=\"_ _5\"></span>ng i l<span class=\"_ _5\"></span>eieavt<span class=\"_ _5\"></span>alen<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d5 w6f hd9\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">66<span class=\"ls0 ws0\"> </span>757<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43d5 w6e hd9\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">67<span class=\"ls0 ws0\"> </span>233<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43d6 w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">N\u00e5verdie<span class=\"_ _5\"></span>n av u<span class=\"_ _5\"></span>test\u00e5e<span class=\"_ _5\"></span>nde m<span class=\"_ _5\"></span>instelei<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y43d7 w71 hde\"><div class=\"t m2 x163 hcc y2401 ff2a0 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er inne<span class=\"_ _5\"></span>n 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d7 w6f hde\"><div class=\"t m2 x1ba hcc y2401 ff2a0 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>830<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43d7 w6e hde\"><div class=\"t m2 x1ba hcc y2401 ff2a0 fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>714<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43d8 w71 hda\"><div class=\"t m2 x163 hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 1 <span class=\"ls0 ws0\">- </span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d8 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>746<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43d8 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscb\">15<span class=\"ls0 ws0\"> </span>461<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43d9 w71 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 2 <span class=\"ls0 ws0\">- </span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43d9 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>644<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43d9 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>346<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43da w71 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 3<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">4 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43da w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x3de y43da w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">370</span> </div></td></tr><tr><td class=\"c x3db y43db w71 hde\"><div class=\"t m2 x163 hcc y2401 ff2a0 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 4<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">5 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43db w6f hde\"><div class=\"t m2 x248 hcc y2401 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">755</span> </div></td><td class=\"c x3de y43db w6e hde\"><div class=\"t m2 x248 hcc y2401 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">622</span> </div></td></tr><tr><td class=\"c x3db y43dc w71 hda\"><div class=\"t m2 x163 hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er sen<span class=\"_ _5\"></span>ere enn <span class=\"_ _5\"></span>5 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43dc w6f hda\"><div class=\"t m2 x248 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">296</span> </div></td><td class=\"c x3de y43dc w6e hda\"><div class=\"t m2 x248 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">212</span> </div></td></tr><tr><td class=\"c x3db y43dd w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Total n<span class=\"_ _5\"></span>\u00e5verdi <span class=\"_ _5\"></span>av ute<span class=\"_ _5\"></span>st\u00e5en<span class=\"_ _5\"></span>de mins<span class=\"_ _5\"></span>teleie<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43dd w6f hd9\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">58<span class=\"ls0 ws0\"> </span>941<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43dd w6e hd9\"><div class=\"t m2 x1ba hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">59<span class=\"ls0 ws0\"> </span>726<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43de w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Ikke op<span class=\"_ _5\"></span>ptjent fi<span class=\"_ _5\"></span>nansi<span class=\"_ _5\"></span>nntek<span class=\"_ _5\"></span>t<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43de w6f hd9\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">817</span> </div></td><td class=\"c x3de y43de w6e hd9\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">507</span> </div></td></tr><tr><td class=\"c x3db y43df w71 hdb\"><div class=\"t m2 x19f hcc y200f ff2a0 fs53 fc21 sc0 lsab wsd0\">Ikke garan<span class=\"_ _5\"></span>terte res<span class=\"_ _5\"></span>tverdie<span class=\"_ _5\"></span>r som tilfall<span class=\"_ _5\"></span>er utleie<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43df w6f hdb\"><div class=\"t m2 x0 hcc y200f ff2a0 fs53 fc21 sc0 lsab wscb\">159<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43df w6e hdb\"><div class=\"t m2 x0 hcc y200f ff2a0 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43e0 w71 hda\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Variabel<span class=\"_ _5\"></span> leie i<span class=\"_ _5\"></span>nnreg<span class=\"_ _5\"></span>net som<span class=\"_ _5\"></span> innt<span class=\"_ _5\"></span>ekt i pe<span class=\"_ _5\"></span>rioden<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e0 w6f hda\"><div class=\"t m2 x0 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">126<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43e0 w6e hda\"><div class=\"t m2 x0 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">110<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gs1b1\"><table class=\"s w359 h517\" id=\"_e02b69df-aaeb-4be8-9db5-36df3e548b5d\"><tr><td class=\"c x3db y43e1 w71 h139\"><div class=\"t m2 x19f hd1 y2193 ff29f fs55 fc21 sc0 lsaf wsf6\">Operasjonell<span class=\"_ _5\"></span>e utleieavtaler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y43e2 w71 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2a1 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e2 w6f hd7\"><div class=\"t m2 x20f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43e2 w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43e3 w71 hd9\"><div class=\"t m2 x19f hcc y200f ff2a0 fs53 fc21 sc0 lsab wscd\">Framti<span class=\"_ _5\"></span>dig min<span class=\"_ _5\"></span>steleie,<span class=\"_ _5\"></span> ikke <span class=\"_ _5\"></span>kansell<span class=\"_ _5\"></span>erbar<span class=\"_ _5\"></span>e avtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3db y43e4 w71 hda\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er inne<span class=\"_ _5\"></span>n 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e4 w6f hda\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">277</span> </div></td><td class=\"c x3de y43e4 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">686</span> </div></td></tr><tr><td class=\"c x3db y43e5 w71 hde\"><div class=\"t m2 x163 hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 1 <span class=\"ls0 ws0\">- </span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e5 w6f hde\"><div class=\"t m2 x248 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">491</span> </div></td><td class=\"c x3de y43e5 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">563</span> </div></td></tr><tr><td class=\"c x3db y43e6 w71 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 2 <span class=\"ls0 ws0\">- </span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e6 w6f hdb\"><div class=\"t m2 x0 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">840<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43e6 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">837<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43e7 w71 hdb\"><div class=\"t m2 x163 hcc y200f ff2a0 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 3<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">4 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e7 w6f hdb\"><div class=\"t m2 x0 hcc y200f ff2a0 fs53 fc21 sc0 lsab wscb\">310<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43e7 w6e hdb\"><div class=\"t m2 x0 hcc y200f ff2a0 fs53 fc21 sc0 lsab wscb\">319<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43e8 w71 hda\"><div class=\"t m2 x163 hcc y1db0 ff2a0 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 4<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">5 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e8 w6f hda\"><div class=\"t m2 x227 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y43e8 w6e hda\"><div class=\"t m2 x227 hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscb\">78<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y43e9 w71 hde\"><div class=\"t m2 x163 hcc y1da9 ff2a0 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er sen<span class=\"_ _5\"></span>ere enn <span class=\"_ _5\"></span>5 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43e9 w6f hde\"><div class=\"t m2 x1b6 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">2 </div></td><td class=\"c x3de y43e9 w6e hde\"><div class=\"t m2 x1b6 hcc y1da9 ff2a0 fs53 fc21 sc0 ls0 ws0\">8 </div></td></tr><tr><td class=\"c x3db y43ea w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2a0 fs53 fc21 sc0 lsab wscd\">Total f<span class=\"_ _5\"></span>ramtidi<span class=\"_ _5\"></span>g minst<span class=\"_ _5\"></span>eleie<span class=\"_ _5\"></span>, ikke ka<span class=\"_ _5\"></span>nsell<span class=\"_ _5\"></span>erbare <span class=\"_ _5\"></span>avtal<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y43ea w6f hd9\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">974</span> </div></td><td class=\"c x3de y43ea w6e hd9\"><div class=\"t m2 x248 hcc y1db0 ff2a0 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">491</span> </div></td></tr></table></div><div class=\"gsd3\"><table class=\"s w3be h518\" id=\"_8741ba0c-bec4-4d64-8782-04639caf3289\"><tr><td class=\"c x45e y43eb w98 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff2a6 fs55 fc21 sc0 lsaf wscf\">Innleieavtal<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y43ec w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2a7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43ec w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43ec w6e hd7\"><div class=\"t m2 x20f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43ed w98 hd9\"><div class=\"t m2 x19f hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscd\">Minimum<span class=\"_ _5\"></span> rest<span class=\"_ _5\"></span>erende l<span class=\"_ _5\"></span>eieb<span class=\"_ _5\"></span>etaling<span class=\"_ _5\"></span>er knyt<span class=\"_ _5\"></span>tet til i<span class=\"_ _5\"></span>kke kan<span class=\"_ _5\"></span>selle<span class=\"_ _5\"></span>rbare l<span class=\"_ _5\"></span>eieavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x45e y43ee w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er inne<span class=\"_ _5\"></span>n 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43ee w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43ee w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">466<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43ef w98 hda\"><div class=\"t m2 x163 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 1 <span class=\"ls0 ws0\">- </span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43ef w6e hda\"><div class=\"t m2 x0 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscb\">388<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43ef w6e hda\"><div class=\"t m2 x0 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscb\">424<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f0 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 2 <span class=\"ls0 ws0\">- </span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43f0 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">218<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43f0 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f1 w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2a5 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 3<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">4 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43f1 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">205<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43f1 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f2 w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2a5 fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 4<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">5 \u00e5<span class=\"_ _5\"></span>r</span></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43f2 w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">145<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43f2 w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">166<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f3 w98 hda\"><div class=\"t m2 x163 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er sen<span class=\"_ _5\"></span>ere enn <span class=\"_ _5\"></span>5 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43f3 w6e hda\"><div class=\"t m2 x0 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscb\">577<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43f3 w6e hda\"><div class=\"t m2 x0 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscb\">680<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f4 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscd\">Totalt m<span class=\"_ _5\"></span>inimum<span class=\"_ _5\"></span> rest<span class=\"_ _5\"></span>erende l<span class=\"_ _5\"></span>eieb<span class=\"_ _5\"></span>etaling<span class=\"_ _5\"></span>er knytt<span class=\"_ _5\"></span>et til i<span class=\"_ _5\"></span>kke kan<span class=\"_ _5\"></span>selle<span class=\"_ _5\"></span>rbare l<span class=\"_ _5\"></span>eieavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43f4 w6e hdd\"><div class=\"t m2 x248 hcc y1db0 ff2a5 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">993</span> </div></td><td class=\"c x463 y43f4 w6e hdd\"><div class=\"t m2 x248 hcc y1db0 ff2a5 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">295</span> </div></td></tr><tr><td class=\"c x45e y43f5 w98 hd9\"><div class=\"t m2 x19f hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscd\">Totalt m<span class=\"_ _5\"></span>inimum<span class=\"_ _5\"></span> framt<span class=\"_ _5\"></span>idige f<span class=\"_ _5\"></span>ramlei<span class=\"_ _5\"></span>ebel\u00f8<span class=\"_ _5\"></span>p som f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>es mott<span class=\"_ _5\"></span>att kn<span class=\"_ _5\"></span>yttet til<span class=\"_ _5\"></span> ikke k<span class=\"_ _5\"></span>ansel<span class=\"_ _5\"></span>lerbare f<span class=\"_ _5\"></span>ramlei<span class=\"_ _5\"></span>eavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y43f5 w6e hd9\"><div class=\"t m2 x227 hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y43f5 w6e hd9\"><div class=\"t m2 x0 hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">118<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f6 w98 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff2a7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x45f y43f6 w161 hd7\"><div class=\"t m2 x227 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscd\">Totale l<span class=\"_ _5\"></span>eiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f7 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscd\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser p<span class=\"_ _5\"></span>er 1. j<span class=\"_ _5\"></span>anuar 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43f7 w6e hdd\"><div class=\"t m2 x248 hcc y1db0 ff2a5 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">163</span> </div></td></tr><tr><td class=\"c x45e y43f8 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">Rentekos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43f8 w6e hdb\"><div class=\"t m2 x227 hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43f9 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43f9 w6e hde\"><div class=\"t m2 x0 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">554<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43fa w98 hda\"><div class=\"t m2 x19f hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscd\">Revalueri<span class=\"_ _5\"></span>ng av l<span class=\"_ _5\"></span>eief<span class=\"_ _5\"></span>orpliktel<span class=\"_ _5\"></span>se<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43fa w6e hda\"><div class=\"t m2 x0 hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscb\">104<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43fb w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">Kansell<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43fb w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">(141)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43fc w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">Betalin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43fc w6e hdb\"><div class=\"t m2 x1b8 hcc y1dae ff2a5 fs53 fc21 sc0 lsab wscb\">(618)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43fd w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff2a5 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43fd w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y43fe w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2a5 fs53 fc21 sc0 lsab wscd\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser p<span class=\"_ _5\"></span>er 31. de<span class=\"_ _5\"></span>semb<span class=\"_ _5\"></span>er 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43fe w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2a5 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">175</span> </div></td></tr><tr><td class=\"c x45e y43ff w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">Rentekos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y43ff w6e hdd\"><div class=\"t m2 x227 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4400 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4400 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2a5 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">172</span> </div></td></tr><tr><td class=\"c x45e y4401 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscd\">Revalueri<span class=\"_ _5\"></span>ng av l<span class=\"_ _5\"></span>eief<span class=\"_ _5\"></span>orpliktel<span class=\"_ _5\"></span>se<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4401 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4402 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">Kansell<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4402 w6e hda\"><div class=\"t m2 x1b8 hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscb\">(438)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y40dd w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">Betalin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y40dd w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">(784)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4403 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2a5 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4403 w6e hdb\"><div class=\"t m2 x0 hcc y1db0 ff2a5 fs53 fc21 sc0 lsab wscb\">294<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4404 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2a5 fs53 fc21 sc0 lsab wscd\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser p<span class=\"_ _5\"></span>er 31. de<span class=\"_ _5\"></span>semb<span class=\"_ _5\"></span>er 202<span class=\"_ _5\"></span>5<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x463 y4404 w6e hd9\"><div class=\"t m2 x248 hcc y1da9 ff2a5 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">546</span> </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-414": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs1b5\">Note K40 Andr<span class=\"_ _1\"></span>e eiendeler<span class=\"_ _1c5\"> </span></div><div class=\"c w110 h266 gs1b6\"><div class=\"t m2 x248 hcc y2142 ff2ab fs53 fc20 sc0 ls0 ws0\"> <span class=\"_ _1b3\"> </span><span class=\"lsa7 wsc9\">DNB <span class=\"lsa8 ws99\">KONSERNET</span></span> \u2013 <span class=\"lsa8 ws99\">\u00c5RSRAPPORT</span> <span class=\"lsa9 wsca\">20</span>25<span class=\"wsc9\">   </span><span class=\"lsaa\">/   <span class=\"ff2ac lsab wscb\">281</span></span> </div><div class=\"t m2 x248 hd6 y2143 ff2ac fs5 fc21 sc0 ls28 ws17\">Note K39<span class=\"ls0 ws0\"> <span class=\"_ _2c\"> </span><span class=\"lsb1 ws14\">Leiea<span class=\"_ _1\"></span>vtaler (f<span class=\"_ _1\"></span>orts.)<span class=\"ls0 ws0\"> </span></span></span></div></div><div class=\"c w98 h267 gs1b7\"><div class=\"t m2 x19f hd1 y1fa6 ff2ac fs55 fc21 sc0 lsaf wscf\">Innleieavtal<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h268 gs1b8\"><div class=\"t m2 x19f hd8 y1db0 ff2ad fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h268 gs1b9\"><div class=\"t m2 x20f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h268 gs1ba\"><div class=\"t m2 x20f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h269 gs1bb\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Minimum<span class=\"_ _5\"></span> rest<span class=\"_ _5\"></span>erende l<span class=\"_ _5\"></span>eieb<span class=\"_ _5\"></span>etaling<span class=\"_ _5\"></span>er knyt<span class=\"_ _5\"></span>tet til i<span class=\"_ _5\"></span>kke kan<span class=\"_ _5\"></span>selle<span class=\"_ _5\"></span>rbare l<span class=\"_ _5\"></span>eieavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h26a gs1bc\"><div class=\"t m2 x163 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er inne<span class=\"_ _5\"></span>n 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h26a gs1bd\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">460<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h26a gs1be\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">466<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h26b gs1bf\"><div class=\"t m2 x163 hcc y1dae ff2ab fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 1 <span class=\"ls0 ws0\">- </span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h26b gs1c0\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">388<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h26b gs1c1\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">424<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h26c gs1c2\"><div class=\"t m2 x163 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wsd0\">Forfall<span class=\"_ _5\"></span>er 2 <span class=\"ls0 ws0\">- </span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h26c gs1c3\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">218<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h26c gs1c4\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">357<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h26d gs1c5\"><div class=\"t m2 x163 hcc y1dae ff2ab fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 3<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">4 \u00e5<span class=\"_ _5\"></span>r</span> </span></div></div><div class=\"c w6f h26d gs1c6\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">205<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h26d gs1c7\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">203<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h26e gs1c8\"><div class=\"t m2 x163 hcc y1db0 ff2ab fs53 fc21 sc0 lsb2 wsf4\">Forfall<span class=\"_ _5\"></span>er 4<span class=\"ls0 ws0\">- <span class=\"lsab wscd\">5 \u00e5<span class=\"_ _5\"></span>r</span> </span></div></div><div class=\"c w6f h26e gs1c9\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">145<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h26e gs1ca\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">166<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h26f gs1cb\"><div class=\"t m2 x163 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Forfall<span class=\"_ _5\"></span>er sen<span class=\"_ _5\"></span>ere enn <span class=\"_ _5\"></span>5 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h26f gs1cc\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">577<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h26f gs1cd\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">680<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h270 gs1ce\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscd\">Totalt m<span class=\"_ _5\"></span>inimum<span class=\"_ _5\"></span> rest<span class=\"_ _5\"></span>erende l<span class=\"_ _5\"></span>eieb<span class=\"_ _5\"></span>etaling<span class=\"_ _5\"></span>er knytt<span class=\"_ _5\"></span>et til i<span class=\"_ _5\"></span>kke kan<span class=\"_ _5\"></span>selle<span class=\"_ _5\"></span>rbare l<span class=\"_ _5\"></span>eieavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h270 gs1cf\"><div class=\"t m2 x248 hcc y1db0 ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">993</span> </div></div><div class=\"c w6e h270 gs1d0\"><div class=\"t m2 x248 hcc y1db0 ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">295</span> </div></div><div class=\"c w98 h271 gs1d1\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Totalt m<span class=\"_ _5\"></span>inimum<span class=\"_ _5\"></span> framt<span class=\"_ _5\"></span>idige f<span class=\"_ _5\"></span>ramlei<span class=\"_ _5\"></span>ebel\u00f8<span class=\"_ _5\"></span>p som f<span class=\"_ _5\"></span>orvent<span class=\"_ _5\"></span>es mott<span class=\"_ _5\"></span>att kn<span class=\"_ _5\"></span>yttet til<span class=\"_ _5\"></span> ikke k<span class=\"_ _5\"></span>ansel<span class=\"_ _5\"></span>lerbare f<span class=\"_ _5\"></span>ramlei<span class=\"_ _5\"></span>eavt<span class=\"_ _5\"></span>aler<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6f h271 gs1d2\"><div class=\"t m2 x227 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h271 gs1d3\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">118<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h274 gs1d4\"><div class=\"t m2 x19f hd8 y1dae ff2ad fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w161 h274 gs1d5\"><div class=\"t m2 x227 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Totale l<span class=\"_ _5\"></span>eiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h275 gs1d6\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscd\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser p<span class=\"_ _5\"></span>er 1. j<span class=\"_ _5\"></span>anuar 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h275 gs1d7\"><div class=\"t m2 x248 hcc y1db0 ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">163</span> </div></div><div class=\"c w98 h276 gs1d8\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">Rentekos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h276 gs1d9\"><div class=\"t m2 x227 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h277 gs1da\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h277 gs1db\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">554<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h278 gs1dc\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Revalueri<span class=\"_ _5\"></span>ng av l<span class=\"_ _5\"></span>eief<span class=\"_ _5\"></span>orpliktel<span class=\"_ _5\"></span>se<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h278 gs1dd\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">104<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h279 gs1de\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">Kansell<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h279 gs1df\"><div class=\"t m2 x1b8 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">(141)<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h27a gs1e0\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">Betalin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h27a gs1e1\"><div class=\"t m2 x1b8 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">(618)<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h27b gs1e2\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h27b gs1e3\"><div class=\"t m2 x227 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h27c gs1e4\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser p<span class=\"_ _5\"></span>er 31. de<span class=\"_ _5\"></span>semb<span class=\"_ _5\"></span>er 202<span class=\"_ _5\"></span>4<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h27c gs1e5\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">175</span> </div></div><div class=\"c w98 h27d gs1e6\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">Rentekos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h27d gs1e7\"><div class=\"t m2 x227 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">85<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h27e gs1e8\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">Tilgang<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h27e gs1e9\"><div class=\"t m2 x248 hcc y1db0 ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">172</span> </div></div><div class=\"c w98 h27f gs1ea\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscd\">Revalueri<span class=\"_ _5\"></span>ng av l<span class=\"_ _5\"></span>eief<span class=\"_ _5\"></span>orpliktel<span class=\"_ _5\"></span>se<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h27f gs1eb\"><div class=\"t m2 x227 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">40<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h280 gs1ec\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">Kansell<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h280 gs1ed\"><div class=\"t m2 x1b8 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">(438)<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h281 gs1ee\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">Betalin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h281 gs1ef\"><div class=\"t m2 x1b8 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">(784)<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h282 gs1f0\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrig<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h282 gs1f1\"><div class=\"t m2 x0 hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscb\">294<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w98 h283 gs1f2\"><div class=\"t m2 x19f hcc y1db0 ff2ab fs53 fc21 sc0 lsab wscd\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser p<span class=\"_ _5\"></span>er 31. de<span class=\"_ _5\"></span>semb<span class=\"_ _5\"></span>er 202<span class=\"_ _5\"></span>5<span class=\"ls0 ws0\"> </span></div></div><div class=\"c w6e h283 gs1f3\"><div class=\"t m2 x248 hcc y1db0 ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">546</span> </div></div><div class=\"c w110 h266 gs1b6\"><div class=\"t m2 x248 he3 y2f5c ff2ab fs57 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hd6 y2f5d ff2ac fs5 fc21 sc0 ls28 ws17\">Note K40<span class=\"ls0 ws0\"> <span class=\"_ _2c\"> </span><span class=\"lsb5 ws1c\">Andre eiendeler</span> </span></div></div><div class=\"gs1f4\"><table class=\"s w393 h519\" id=\"_0151d012-4a9c-4664-a7e6-3b1b24270e01\"><tr><td class=\"c x45e y4405 w98 hd7\"><div class=\"t m2 x19f hd8 y2369 ff2ad fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4405 w6e hd7\"><div class=\"t m2 x20f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4405 w6e hd7\"><div class=\"t m2 x20f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4406 w98 hdd\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wsd0\">Tidsavg<span class=\"_ _5\"></span>rense<span class=\"_ _5\"></span>de poster<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4406 w6e hdd\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">347</span> </div></td><td class=\"c x463 y4406 w6e hdd\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">228</span> </div></td></tr><tr><td class=\"c x45e y4407 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Tilgode<span class=\"_ _5\"></span>haven<span class=\"_ _5\"></span>de remb<span class=\"_ _5\"></span>urser <span class=\"_ _5\"></span>og andr<span class=\"_ _5\"></span>e betali<span class=\"_ _5\"></span>ngstj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4407 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">794</span> </div></td><td class=\"c x463 y4407 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">396<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4408 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ab fs53 fc21 sc0 lsab wscd\">Uoppgjo<span class=\"_ _5\"></span>rte slut<span class=\"_ _5\"></span>tsedl<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4408 w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">084</span> </div></td><td class=\"c x463 y4408 w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">681</span> </div></td></tr><tr><td class=\"c x45e y4409 w98 hdb\"><div class=\"t m2 x19f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">Kontantsi<span class=\"_ _5\"></span>kker<span class=\"_ _5\"></span>het<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4409 w6e hdb\"><div class=\"t m2 x1ba hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4409 w6e hdb\"><div class=\"t m2 x1ba hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>709<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y440a w98 hda\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Forfalt<span class=\"_ _5\"></span>e, ikke <span class=\"_ _5\"></span>betalte<span class=\"_ _5\"></span> forsi<span class=\"_ _5\"></span>krings<span class=\"_ _5\"></span>premi<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440a w6e hda\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y440a w6e hda\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">166<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y440b w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wsd0\">Fond eid av ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>kontroll<span class=\"_ _5\"></span>erend<span class=\"_ _5\"></span>e eieri<span class=\"_ _5\"></span>nteress<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440b w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">372</span> </div></td><td class=\"c x463 y440b w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">966</span> </div></td></tr><tr><td class=\"c x45e y440c w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ab fs53 fc21 sc0 lsab wscd\">Varelag<span class=\"_ _5\"></span>er, DN<span class=\"_ _5\"></span>B Fina<span class=\"_ _5\"></span>ns<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440c w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">883</span> </div></td><td class=\"c x463 y440c w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">202</span> </div></td></tr><tr><td class=\"c x45e y440d w98 hdb\"><div class=\"t m2 x19f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscd\">Andre til<span class=\"_ _5\"></span>godeh<span class=\"_ _5\"></span>avend<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440d w6e hdb\"><div class=\"t m2 x248 hcc y2369 ff2ab fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">082</span> </div></td><td class=\"c x463 y440d w6e hdb\"><div class=\"t m2 x248 hcc y2369 ff2ab fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">862</span> </div></td></tr><tr><td class=\"c x45e y440e w98 hdd\"><div class=\"t m2 x19f hdc y1dae ff2ac fs53 fc21 sc0 lsab wscd\">Sum andr<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440e w6e hdd\"><div class=\"t m2 x1ba hdc y1dae ff2ac fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>256<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y440e w6e hdd\"><div class=\"t m2 x1ba hdc y1dae ff2ac fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>210<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h284 gs1f5\"><div class=\"t m2 x248 hcf y2f67 ff2ab fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2f68 ff2ab fs55 fc21 sc0 lsaf wsf6\">Andre eiendeler er i hovedsak kortsikti<span class=\"_ _5\"></span>ge.<span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-467": {
   "value": "Note K40 Andr<span class=\"_ _1\"></span>e eiendeler<span class=\"_ _1c5\"> </span><table class=\"s w393 h519\" id=\"_0151d012-4a9c-4664-a7e6-3b1b24270e01\"><tr><td class=\"c x45e y4405 w98 hd7\"><div class=\"t m2 x19f hd8 y2369 ff2ad fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4405 w6e hd7\"><div class=\"t m2 x20f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4405 w6e hd7\"><div class=\"t m2 x20f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4406 w98 hdd\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wsd0\">Tidsavg<span class=\"_ _5\"></span>rense<span class=\"_ _5\"></span>de poster<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4406 w6e hdd\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">347</span> </div></td><td class=\"c x463 y4406 w6e hdd\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">228</span> </div></td></tr><tr><td class=\"c x45e y4407 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Tilgode<span class=\"_ _5\"></span>haven<span class=\"_ _5\"></span>de remb<span class=\"_ _5\"></span>urser <span class=\"_ _5\"></span>og andr<span class=\"_ _5\"></span>e betali<span class=\"_ _5\"></span>ngstj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4407 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">794</span> </div></td><td class=\"c x463 y4407 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">396<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4408 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ab fs53 fc21 sc0 lsab wscd\">Uoppgjo<span class=\"_ _5\"></span>rte slut<span class=\"_ _5\"></span>tsedl<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4408 w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">084</span> </div></td><td class=\"c x463 y4408 w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">681</span> </div></td></tr><tr><td class=\"c x45e y4409 w98 hdb\"><div class=\"t m2 x19f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">Kontantsi<span class=\"_ _5\"></span>kker<span class=\"_ _5\"></span>het<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4409 w6e hdb\"><div class=\"t m2 x1ba hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>529<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4409 w6e hdb\"><div class=\"t m2 x1ba hcc y2369 ff2ab fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>709<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y440a w98 hda\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wscd\">Forfalt<span class=\"_ _5\"></span>e, ikke <span class=\"_ _5\"></span>betalte<span class=\"_ _5\"></span> forsi<span class=\"_ _5\"></span>krings<span class=\"_ _5\"></span>premi<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440a w6e hda\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y440a w6e hda\"><div class=\"t m2 x0 hcc y1dae ff2ab fs53 fc21 sc0 lsab wscb\">166<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y440b w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2ab fs53 fc21 sc0 lsab wsd0\">Fond eid av ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span>kontroll<span class=\"_ _5\"></span>erend<span class=\"_ _5\"></span>e eieri<span class=\"_ _5\"></span>nteress<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440b w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">372</span> </div></td><td class=\"c x463 y440b w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">966</span> </div></td></tr><tr><td class=\"c x45e y440c w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ab fs53 fc21 sc0 lsab wscd\">Varelag<span class=\"_ _5\"></span>er, DN<span class=\"_ _5\"></span>B Fina<span class=\"_ _5\"></span>ns<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440c w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">883</span> </div></td><td class=\"c x463 y440c w6e hde\"><div class=\"t m2 x248 hcc y1dc1 ff2ab fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">202</span> </div></td></tr><tr><td class=\"c x45e y440d w98 hdb\"><div class=\"t m2 x19f hcc y2369 ff2ab fs53 fc21 sc0 lsab wscd\">Andre til<span class=\"_ _5\"></span>godeh<span class=\"_ _5\"></span>avend<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440d w6e hdb\"><div class=\"t m2 x248 hcc y2369 ff2ab fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">082</span> </div></td><td class=\"c x463 y440d w6e hdb\"><div class=\"t m2 x248 hcc y2369 ff2ab fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">862</span> </div></td></tr><tr><td class=\"c x45e y440e w98 hdd\"><div class=\"t m2 x19f hdc y1dae ff2ac fs53 fc21 sc0 lsab wscd\">Sum andr<span class=\"_ _5\"></span>e eien<span class=\"_ _5\"></span>deler <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y440e w6e hdd\"><div class=\"t m2 x1ba hdc y1dae ff2ac fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>256<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y440e w6e hdd\"><div class=\"t m2 x1ba hdc y1dae ff2ac fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>210<span class=\"ls0 ws0\"> </span></div></td></tr></table>Andre eiendeler er i hovedsak kortsikti<span class=\"_ _5\"></span>ge.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-415": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K41 Innskudd fr<span class=\"_ _1\"></span>a kunder fordelt p\u00e5 n\u00e6ringssegment<span class=\"_ _1c5\"> </span></div><div class=\"gsd3\"><table class=\"s w35a h51a\" id=\"_26ed022a-96c9-43ac-a7ef-d278259a2cad\"><tr><td class=\"c x3db y440f w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2b4 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y440f w6f hd7\"><div class=\"t m2 x20f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y440f w6e hd7\"><div class=\"t m2 x20f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4410 w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4410 w6f hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4410 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>203<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4411 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4411 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>669<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4411 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>568<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4412 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4412 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">104<span class=\"ls0 ws0\"> </span>974<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4412 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">158<span class=\"ls0 ws0\"> </span>610<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4413 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4413 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>494<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4413 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span>209<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4414 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4414 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4414 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>751<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4415 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4415 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>094<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4415 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>181<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4416 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4416 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>395<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4416 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span>258<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4417 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4417 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>634<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4417 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>147<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4418 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4418 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>778<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4418 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>750<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4419 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4419 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span>495<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4419 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">83<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441a w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441a w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>084<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441a w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>615<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441b w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441b w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>520<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441b w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">152<span class=\"ls0 ws0\"> </span>394<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441c w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441c w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441c w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441d w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441d w6f hda\"><div class=\"t m2 x247 hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">553<span class=\"ls0 ws0\"> </span>980<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441d w6e hda\"><div class=\"t m2 x247 hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">511<span class=\"ls0 ws0\"> </span>591<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441e w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441e w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">218<span class=\"ls0 ws0\"> </span>174<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441e w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>322<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441f w71 hd9\"><div class=\"t m2 x19f hdc y1dae ff2b2 fs53 fc21 sc0 lsb3 wsf3\">Innsk<span class=\"_ _5\"></span>udd fra<span class=\"_ _5\"></span> kunder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441f w6f hd9\"><div class=\"t m2 x1e4 hdc y1dae ff2b2 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">521</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x3de y441f w6e hd9\"><div class=\"t m2 x1e4 hdc y1dae ff2b2 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">76<span class=\"_ _5\"></span>3</span> </div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-434": {
   "value": "Note K41 Innskudd fr<span class=\"_ _1\"></span>a kunder fordelt p\u00e5 n\u00e6ringssegment<span class=\"_ _1c5\"> </span><table class=\"s w35a h51a\" id=\"_26ed022a-96c9-43ac-a7ef-d278259a2cad\"><tr><td class=\"c x3db y440f w71 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2b4 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y440f w6f hd7\"><div class=\"t m2 x20f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y440f w6e hd7\"><div class=\"t m2 x20f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4410 w71 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wsd0\">Bank, fors<span class=\"_ _5\"></span>ikring og po<span class=\"_ _5\"></span>rtef\u00f8lj<span class=\"_ _5\"></span>eforvalt<span class=\"_ _5\"></span>nin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4410 w6f hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">61<span class=\"ls0 ws0\"> </span>940<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4410 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">48<span class=\"ls0 ws0\"> </span>203<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4411 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">N\u00e6rings<span class=\"_ _5\"></span>eiend<span class=\"_ _5\"></span>om<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4411 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">54<span class=\"ls0 ws0\"> </span>669<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4411 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>568<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4412 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">Shippi<span class=\"_ _5\"></span>ng<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4412 w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">104<span class=\"ls0 ws0\"> </span>974<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4412 w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">158<span class=\"ls0 ws0\"> </span>610<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4413 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscd\">Olje, gas<span class=\"_ _5\"></span>s og of<span class=\"_ _5\"></span>fshore<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4413 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">63<span class=\"ls0 ws0\"> </span>494<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4413 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">68<span class=\"ls0 ws0\"> </span>209<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4414 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscd\">Str\u00f8m o<span class=\"_ _5\"></span>g forny<span class=\"_ _5\"></span>bar en<span class=\"_ _5\"></span>ergi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4414 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">26<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4414 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>751<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4415 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Helsetj<span class=\"_ _5\"></span>eneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4415 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>094<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4415 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>181<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4416 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wsd0\">Offentli<span class=\"_ _5\"></span>g sektor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4416 w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span>395<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4416 w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span>258<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4417 w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscd\">Fiske, fi<span class=\"_ _5\"></span>skeo<span class=\"_ _5\"></span>ppdrett o<span class=\"_ _5\"></span>g jord<span class=\"_ _5\"></span>bruk<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4417 w6f hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>634<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4417 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>147<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4418 w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Vareha<span class=\"_ _5\"></span>ndel<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4418 w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">39<span class=\"ls0 ws0\"> </span>778<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4418 w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">38<span class=\"ls0 ws0\"> </span>750<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4419 w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Industri<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4419 w6f hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">73<span class=\"ls0 ws0\"> </span>495<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4419 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">83<span class=\"ls0 ws0\"> </span>974<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441a w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscd\">Teknol<span class=\"_ _5\"></span>ogi, me<span class=\"_ _5\"></span>dia og<span class=\"_ _5\"></span> telekom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441a w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>084<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441a w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">28<span class=\"ls0 ws0\"> </span>615<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441b w71 hdb\"><div class=\"t m2 x19f hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">Tjenest<span class=\"_ _5\"></span>eyting<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441b w6f hdb\"><div class=\"t m2 x247 hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">162<span class=\"ls0 ws0\"> </span>520<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441b w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2b3 fs53 fc21 sc0 lsab wscb\">152<span class=\"ls0 ws0\"> </span>394<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441c w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Boligei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441c w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span>587<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441c w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>190<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441d w71 hda\"><div class=\"t m2 x19f hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">Privat<span class=\"_ _5\"></span>personer<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441d w6f hda\"><div class=\"t m2 x247 hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">553<span class=\"ls0 ws0\"> </span>980<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441d w6e hda\"><div class=\"t m2 x247 hcc y1da9 ff2b3 fs53 fc21 sc0 lsab wscb\">511<span class=\"ls0 ws0\"> </span>591<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441e w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscd\">\u00d8vrige n\u00e6<span class=\"_ _5\"></span>rin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441e w6f hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">218<span class=\"ls0 ws0\"> </span>174<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y441e w6e hdb\"><div class=\"t m2 x247 hcc y1db0 ff2b3 fs53 fc21 sc0 lsab wscb\">196<span class=\"ls0 ws0\"> </span>322<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y441f w71 hd9\"><div class=\"t m2 x19f hdc y1dae ff2b2 fs53 fc21 sc0 lsb3 wsf3\">Innsk<span class=\"_ _5\"></span>udd fra<span class=\"_ _5\"></span> kunder<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y441f w6f hd9\"><div class=\"t m2 x1e4 hdc y1dae ff2b2 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">521</span> <span class=\"lsab wscb\">87<span class=\"_ _5\"></span>2</span> </div></td><td class=\"c x3de y441f w6e hd9\"><div class=\"t m2 x1e4 hdc y1dae ff2b2 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">487</span> <span class=\"lsab wscb\">76<span class=\"_ _5\"></span>3</span> </div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-416": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K42 V<span class=\"_ _2\"></span>erdipapirgjeld<span class=\"_ _1c5\"> </span></div>Endringer i<span class=\"_ _1\"></span> verdipapirg<span class=\"_ _1\"></span>jeld<span class=\"ls0 ws0\"> </span>Forfal<span class=\"_ _5\"></span>t/<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>\u00d8vrige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span>Emittert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span>endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span>Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span>31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span>2025<span class=\"ls0 ws0\"> </span>2025<span class=\"ls0 ws0\"> </span>2025<span class=\"ls0 ws0\"> </span>2025<span class=\"ls0 ws0\"> </span>31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span>Sertifik<span class=\"_ _5\"></span>atgjeld,<span class=\"_ _5\"></span> nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">167</span> <span class=\"lsab wscb\">75<span class=\"_ _5\"></span>2</span> (1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">250</span> <span class=\"lsab wscb\">3<span class=\"_ _5\"></span>84</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span> </span>(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">779</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>450<span class=\"ls0 ws0\"> </span>636<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Obligasj<span class=\"_ _5\"></span>onsgj<span class=\"_ _5\"></span>eld, nom<span class=\"_ _5\"></span>inell<span class=\"_ _5\"></span> verdi1<span class=\"_ _1c5\"> </span>92<span class=\"ls0 ws0\"> </span>613<span class=\"ls0 ws0\"> </span>22<span class=\"ls0 ws0\"> </span>353<span class=\"ls0 ws0\"> </span>(19<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">385</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">161</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>142<span class=\"ls0 ws0\"> </span>91<span class=\"ls0 ws0\"> </span>663<span class=\"ls0 ws0\"> </span>Obligasj<span class=\"_ _5\"></span>oner m<span class=\"_ _5\"></span>ed fo<span class=\"_ _5\"></span>rtrinns<span class=\"_ _5\"></span>rett, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi1<span class=\"_ _1c5\"> </span>336<span class=\"ls0 ws0\"> </span>911<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>261<span class=\"ls0 ws0\"> </span>329<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>(247<span class=\"ls0 ws0\"> <span class=\"lsa9 wsca\">264</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\">)</span> </span>2 <span class=\"lsab wscb\">033</span> 320<span class=\"ls0 ws0\"> </span>813<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger2<span class=\"_ _1c5\"> </span>(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">584</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>(0)<span class=\"ls0 ws0\"> </span>10<span class=\"ls0 ws0\"> </span>752<span class=\"ls0 ws0\"> </span>(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">347</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>Verdi<span class=\"_ _5\"></span>papir<span class=\"_ _5\"></span>gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span>787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">451</span> <span class=\"lsab wscb\">43<span class=\"_ _5\"></span>5</span> (1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">517</span> <span class=\"lsab wscb\">0<span class=\"_ _5\"></span>33</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)</span> </span>(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">896</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>894<span class=\"ls0 ws0\"> </span>854<span class=\"ls0 ws0\"> </span>765<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Forfall<span class=\"_ _5\"></span>stidspunkt verdipapirgjeld per 31. desember 20251, 3<span class=\"_ _1c5\"> </span>Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span>Norske k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span>Valuta <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>2026<span class=\"ls0 ws0\"> </span>365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Sertifik<span class=\"_ _5\"></span>atgjeld,<span class=\"_ _5\"></span> nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>365<span class=\"ls0 ws0\"> </span>225<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>2026<span class=\"ls0 ws0\"> </span>74<span class=\"ls0 ws0\"> </span>19<span class=\"ls0 ws0\"> </span>293<span class=\"ls0 ws0\"> </span>19<span class=\"ls0 ws0\"> </span>368<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>29<span class=\"ls0 ws0\"> </span>15<span class=\"ls0 ws0\"> </span>083<span class=\"ls0 ws0\"> </span>15<span class=\"ls0 ws0\"> </span>112<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>24<span class=\"ls0 ws0\"> </span>535<span class=\"ls0 ws0\"> </span>24<span class=\"ls0 ws0\"> </span>535<span class=\"ls0 ws0\"> </span>2029<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">500</span> 20<span class=\"ls0 ws0\"> </span>809<span class=\"ls0 ws0\"> </span>22<span class=\"ls0 ws0\"> </span>309<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>32<span class=\"ls0 ws0\"> </span>10<span class=\"ls0 ws0\"> </span>546<span class=\"ls0 ws0\"> </span>10<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span>2031<span class=\"ls0 ws0\"> </span>2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>710<span class=\"ls0 ws0\"> </span>710<span class=\"ls0 ws0\"> </span>Obligasj<span class=\"_ _5\"></span>onsgj<span class=\"_ _5\"></span>eld, nom<span class=\"_ _5\"></span>inell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">635</span> 90<span class=\"ls0 ws0\"> </span>977<span class=\"ls0 ws0\"> </span>92<span class=\"ls0 ws0\"> </span>613<span class=\"ls0 ws0\"> </span>2026<span class=\"ls0 ws0\"> </span>13<span class=\"ls0 ws0\"> </span>611<span class=\"ls0 ws0\"> </span>41<span class=\"ls0 ws0\"> </span>826<span class=\"ls0 ws0\"> </span>55<span class=\"ls0 ws0\"> </span>437<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>10<span class=\"ls0 ws0\"> </span>787<span class=\"ls0 ws0\"> </span>29<span class=\"ls0 ws0\"> </span>924<span class=\"ls0 ws0\"> </span>40<span class=\"ls0 ws0\"> </span>711<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>13<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>35<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span>48<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span>2029<span class=\"ls0 ws0\"> </span>10<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>53<span class=\"ls0 ws0\"> </span>838<span class=\"ls0 ws0\"> </span>63<span class=\"ls0 ws0\"> </span>838<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>46<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span>46<span class=\"ls0 ws0\"> </span>054<span class=\"ls0 ws0\"> </span>2031<span class=\"ls0 ws0\"> </span>3 <span class=\"lsab wscb\">000</span> 34<span class=\"ls0 ws0\"> </span>321<span class=\"ls0 ws0\"> </span>37<span class=\"ls0 ws0\"> </span>321<span class=\"ls0 ws0\"> </span>2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 44<span class=\"ls0 ws0\"> </span>284<span class=\"ls0 ws0\"> </span>45<span class=\"ls0 ws0\"> </span>384<span class=\"ls0 ws0\"> </span>Obligasj<span class=\"_ _5\"></span>oner m<span class=\"_ _5\"></span>ed fo<span class=\"_ _5\"></span>rtrinns<span class=\"_ _5\"></span>rett, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>51<span class=\"ls0 ws0\"> </span>498<span class=\"ls0 ws0\"> </span>285<span class=\"ls0 ws0\"> </span>413<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>336<span class=\"ls0 ws0\"> </span>911<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger2<span class=\"_ _1c5\"> </span>444<span class=\"ls0 ws0\"> </span>(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">028</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">584</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>Verdipa<span class=\"_ _5\"></span>pirgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span>53<span class=\"ls0 ws0\"> </span>577<span class=\"ls0 ws0\"> </span>733<span class=\"ls0 ws0\"> </span>587<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>787<span class=\"ls0 ws0\"> </span>164<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>1<span class=\"_ _1c5\"> </span><span class=\"lsab wscd\">Fratr<span class=\"_ _5\"></span>ukket<span class=\"_ _5\"></span> egne o<span class=\"_ _5\"></span>bligas<span class=\"_ _5\"></span>joner<span class=\"_ _5\"></span>. Nomin<span class=\"_ _5\"></span>ell verdi<span class=\"_ _5\"></span> p\u00e5 ut<span class=\"_ _5\"></span>est\u00e5e<span class=\"_ _5\"></span>nde o<span class=\"_ _5\"></span>bligasj<span class=\"_ _5\"></span>oner me<span class=\"_ _5\"></span>d fort<span class=\"_ _5\"></span>rinnsre<span class=\"_ _5\"></span>tt</span> <span class=\"lsab wscd\">i DNB<span class=\"_ _5\"></span> Boligk<span class=\"_ _5\"></span>reditt <span class=\"_ _5\"></span>utgjor<span class=\"_ _5\"></span>de <span class=\"wscb\">516</span></span>,<span class=\"lsa7 wsd1\">1 m<span class=\"_ _5\"></span>illiar<span class=\"lsab wscd\">der k<span class=\"_ _5\"></span>roner pe<span class=\"_ _5\"></span>r 31. <span class=\"_ _5\"></span>desemb<span class=\"_ _5\"></span>er<span class=\"_ _1c5\"> </span></span></span>202<span class=\"_ _1c5\"> </span><span class=\"wscd\">5. Ti<span class=\"_ _5\"></span>lh\u00f8ren<span class=\"_ _5\"></span>de ma<span class=\"_ _5\"></span>rkedsv<span class=\"_ _5\"></span>erdi p\u00e5<span class=\"_ _5\"></span> sikri<span class=\"_ _5\"></span>ngsmass<span class=\"_ _5\"></span>en va<span class=\"_ _5\"></span>r </span>775<span class=\"ls0 ws0\">,</span><span class=\"wscd\">2 m<span class=\"_ _5\"></span>illiar<span class=\"_ _5\"></span>der kron<span class=\"_ _5\"></span>er.<span class=\"_ _1c5\"> </span></span>2<span class=\"_ _1c5\"> </span><span class=\"lsab wscd\">Inklu<span class=\"_ _5\"></span>dert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e renter,<span class=\"_ _5\"></span> just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r</span>-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkur<span class=\"_ _1\"></span>s.<span class=\"_ _1c5\"> </span></span>3<span class=\"lsab wscd\">F\u00f8rst<span class=\"_ _5\"></span>e forfal<span class=\"_ _5\"></span>lstids<span class=\"_ _5\"></span>punkt <span class=\"_ _5\"></span>er lag<span class=\"lsa7 wsd1\">t<span class=\"_ _5\"></span> til grunn i forfallsprofilen, </span></span>d<span class=\"wsc9\">et vil <span class=\"_ _5\"></span>si</span> <span class=\"lsa7 wsd1\">DNBs f\u00f8rste opsjon til \u00e5<span class=\"_ _5\"></span> innl\u00f8se obligasjonen</span> <span class=\"lsab wscd\">(cal<span class=\"_ _5\"></span>l dat<span class=\"_ _5\"></span>e)</span><div class=\"gs10f\"><table class=\"s w3d9 h52b\" id=\"_010e2204-3221-494e-a57c-0311fa574bfb\"><tr><td class=\"c x45e y44b1 w1e4 h136\"><div class=\"t m2 x19f hd1 y200d ff2eb fs55 fc21 sc0 lsaf wsf6\">Endringer i etterstilte o<span class=\"_ _5\"></span>bligasjoner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x549 y44b2 w1e5 hd7\"><div class=\"t m2 x4f hcc y1dc1 ff2ea fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t/<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b2 w1e6 hd7\"><div class=\"t m2 x266 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b2 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2ea fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x54c y44b3 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b3 w1e7 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2ea fs53 fc21 sc0 lsaa wscd\">Emittert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b3 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b3 w1e6 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b3 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54e y44b3 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b4 w1e4 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff2ec fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b4 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b4 w1e7 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b4 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b4 w1e6 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b4 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54e y44b4 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b5 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r, nomin<span class=\"_ _5\"></span>ell verdi<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b5 w1e6 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>501<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b5 w1e7 hd9\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b5 w1e5 hd9\"><div class=\"t m2 x267 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b5 w1e6 hd9\"><div class=\"t m2 x4f hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x54e y44b5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">120<span class=\"ls0 ws0\"> </span>568<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44b6 w3c2 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff2ea fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3e5e ff2ea fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x54c y44b7 w1e6 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x54b y44b7 w1e5 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b7 w1e5 hda\"><div class=\"t m2 x4f hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">085</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y44b8 w1e4 h11f\"><div class=\"t m2 x19f hdc y1db0 ff2eb fs53 fc21 sc0 lsb3 wsf3\">Etters<span class=\"_ _5\"></span>til<span class=\"_ _5\"></span>te seni<span class=\"_ _5\"></span>oro<span class=\"_ _5\"></span>bliga<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b8 w1e6 h11f\"><div class=\"t m2 x1bc hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b8 w1e7 h11f\"><div class=\"t m2 x329 hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b8 w1e5 h11f\"><div class=\"t m2 x267 hdc y1db0 ff2eb fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b8 w1e6 h11f\"><div class=\"t m2 x4f hdc y1db0 ff2eb fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54b y44b8 w1e5 h11f\"><div class=\"t m2 x1ab hdc y1db0 ff2eb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b8 w1e5 h11f\"><div class=\"t m2 x1bc hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b9 w1e4 hdb\"><div class=\"t m2 x19f hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b9 w1e6 hdb\"><div class=\"t m2 x1bc hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b9 w1e7 hdb\"><div class=\"t m2 x329 hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b9 w1e5 hdb\"><div class=\"t m2 x267 hd8 y1dae ff2ec fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b9 w1e6 hdb\"><div class=\"t m2 x4f hd8 y1dae ff2ec fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54b y44b9 w1e5 hdb\"><div class=\"t m2 x1ab hd8 y1dae ff2ec fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b9 w1e5 hdb\"><div class=\"t m2 x1bc hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gs211\"><table class=\"s w3da h52c\" id=\"_97f983ea-2f98-40b1-b5be-27a497521cd4\"><tr><td class=\"c x46f y44ba w3db h52d\"><div class=\"t m2 x3f4 hd1 y3f04 ff2eb fs55 fc21 sc0 lsaf wsf6\">Forfall<span class=\"_ _5\"></span>stidspunkt etterstilte seniorobligasjoner<span class=\"_ _5\"></span> per 31. desember 2025</div><div class=\"t m2 x54f h14a y3f05 ff2eb fs56 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y44bb w1e4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2ec fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x51a y44bb w1e9 hd7\"><div class=\"t m2 x227 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscd\">Norske k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44bb w1e5 hd7\"><div class=\"t m2 x1bb hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">Valuta<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bb w1e5 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bc w1e4 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44bc w1e6 hdd\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">800<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44bc w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>443<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bc w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>243<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bd w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44bd w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bd w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44be w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44be w1e6 hde\"><div class=\"t m2 x1ab hcc y1dc1 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x550 y44be w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>324<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44be w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>424<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bf w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2029<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44bf w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bf w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c0 w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44c0 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>956<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c0 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>956<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c1 w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2031<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y44c2 w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscd\">2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44c2 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">887<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c2 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">887<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c3 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r, nomin<span class=\"_ _5\"></span>ell verdi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44c3 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">900</span> </div></td><td class=\"c x550 y44c3 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span>601<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c3 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>501<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4192 w3c2 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2ea fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3ebb ff2ea fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x551 y44c4 w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(58)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44c4 w1e5 hdb\"><div class=\"t m2 x20e hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c4 w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c5 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44c5 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1dc1 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">842</span> </div></td><td class=\"c x550 y44c5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span>634<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff2ec fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3eae w3c7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff2ec fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Inklu<span class=\"_ _5\"></span>dert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e renter,<span class=\"_ _5\"></span> just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r</span>-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkur<span class=\"_ _1\"></span>s.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff2ec fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x410 y3e64 w3dc h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff2ec fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">I ta<span class=\"_ _5\"></span>bellen o<span class=\"_ _5\"></span>ver e<span class=\"_ _5\"></span>r det</span> <span class=\"lsab wscd\">f\u00f8rs<span class=\"_ _5\"></span>te for<span class=\"_ _5\"></span>fallsti<span class=\"_ _5\"></span>dspunkt <span class=\"_ _5\"></span>som e<span class=\"_ _5\"></span>r lagt ti<span class=\"_ _5\"></span>l grun<span class=\"_ _5\"></span>n i forf<span class=\"_ _5\"></span>allsp<span class=\"_ _5\"></span>rofile<span class=\"_ _5\"></span>n, d<span class=\"lsa7 wsd1\">et vil si </span><span class=\"wsd0\">DN<span class=\"_ _5\"></span>Bs f\u00f8rste<span class=\"_ _5\"></span> opsjon til \u00e5 in<span class=\"_ _5\"></span>nl\u00f8se obli<span class=\"_ _5\"></span>gasj<span class=\"_ _5\"></span>onen (call da<span class=\"_ _5\"></span>te).<span class=\"_ _1c5\"> </span></span></span></div></td><td></td></tr></table></div><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K44 Etters<span class=\"_ _1\"></span>tilte seniorobligasjoner<span class=\"_ _1c5\"> </span></div>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper <span class=\"ls0 ws0\"> </span>For inf<span class=\"_ _5\"></span>ormasjon om regnsk<span class=\"_ _5\"></span>apsprinsipper, s<span class=\"_ _5\"></span>e note K27 K<span class=\"_ _5\"></span>lassifikasjon av f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>instrumenter.<span class=\"ls0 ws0\"> </span><table class=\"s w3dd h52e\" id=\"_6f2ff66b-b2a0-4eb0-8381-e88207558a6f\"><tr><td class=\"c x3db y44c6 w231 h136\"><div class=\"t m2 x19f hd1 y2036 ff2f5 fs55 fc21 sc0 lsae wsce\">Endring i<span class=\"_ _1\"></span> ansvarlig l\u00e5ne<span class=\"_ _1\"></span>kapital og f<span class=\"_ _1\"></span>ondsobligasj<span class=\"_ _1\"></span>onsl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x552 y44c7 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Forfalt/ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c7 w1e5 hd7\"><div class=\"t m2 xda hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x554 y44c7 w1e5 hd7\"><div class=\"t m2 x19b hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x555 y44c8 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Emittert <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c8 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c8 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c8 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44c9 w232 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44c9 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c9 w1e6 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c9 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ca w232 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al, nom<span class=\"_ _5\"></span>inel<span class=\"_ _5\"></span>l verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ca w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ca w1e5 hdd\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ca w1e6 hdd\"><div class=\"t m2 x4f hcc y1db0 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">590</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ca w1e5 hdd\"><div class=\"t m2 x1a5 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44ca w1e6 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cb w232 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">643<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x553 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(82)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44cb w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">724<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44cc w3de h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2f6 fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x558 h121 y3ebb ff2f6 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x555 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">688<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x552 y44cd w1e6 hde\"><div class=\"t m2 x20e hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x554 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cd w1e6 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">757<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ce w232 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2f5 fs53 fc21 sc0 lsdb ws128\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5ne<span class=\"_ _1\"></span>kapital<span class=\"_ _1\"></span> og fondsobl<span class=\"_ _1\"></span>igasjon<span class=\"_ _1\"></span>sl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ce w1e5 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ce w1e5 hdd\"><div class=\"t m2 x1ab hdc y1da9 ff2f5 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ce w1e6 hdd\"><div class=\"t m2 x4f hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ce w1e5 hdd\"><div class=\"t m2 x1a5 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44ce w1e5 hdd\"><div class=\"t m2 x1b9 hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44ce w1e6 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cf w232 hde\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cf w1e5 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44cf w1e5 hde\"><div class=\"t m2 x1ab hd8 y1da9 ff2f7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44cf w1e6 hde\"><div class=\"t m2 x4f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44cf w1e5 hde\"><div class=\"t m2 x1a5 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44cf w1e5 hde\"><div class=\"t m2 x1b9 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cf w1e6 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr></table>Forfall<span class=\"_ _5\"></span>stidspunkt ansvarlig l\u00e5n per 31. desember 2025<span class=\"ls0 ws0\"> </span>F\u00f8rst<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi i <span class=\"ls0 ws0\"> </span>forfalls<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span>verdi i n<span class=\"_ _5\"></span>orske <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Opptaks<span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span>utenlan<span class=\"_ _5\"></span>dsk valut<span class=\"_ _5\"></span>a <span class=\"ls0 ws0\"> </span>Rentesat<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\"> </span>Forfal<span class=\"_ _5\"></span>l<span class=\"ls0 ws0\"> </span>tidspunkt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>kroner <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span>2,72 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">350</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>00 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">350</span> 2021<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,60 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">600</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 0,<span class=\"_ _5\"></span>95 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">750</span> 2022<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">500</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>05 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">500</span> 2022<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span>3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>08 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span>2022<span class=\"ls0 ws0\"> </span>JPY 9 <span class=\"lsab wscb\">000</span> 1,35 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span>2022<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>750<span class=\"ls0 ws0\"> </span>4,63 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>8 <span class=\"lsab wscb\">872</span> 2023<span class=\"ls0 ws0\"> </span>JPY 12<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,65 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>803<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>650<span class=\"ls0 ws0\"> </span>5,01 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>650<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>75 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 2023<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>4,91 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>700<span class=\"ls0 ws0\"> </span>3-<span class=\"lsab wscd\">mnd ST<span class=\"_ _5\"></span>IBOR + <span class=\"_ _5\"></span>1,80 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>765<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>JPY 27<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>1,50 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">735</span> 2023<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>5,00 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>5 <span class=\"lsab wscb\">914</span> 2024<span class=\"ls0 ws0\"> </span>JPY 19<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,70 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2035<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">253</span> 2025<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span>3,75 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2035<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>4 <span class=\"lsab wscb\">731</span> Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span>Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>2004<span class=\"ls0 ws0\"> </span>JPY 10<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>4,51 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2029<span class=\"ls0 ws0\"> </span>643<span class=\"ls0 ws0\"> </span>Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span>643<span class=\"ls0 ws0\"> </span>1<span class=\"_ _1c5\"> </span><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>udert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e rent<span class=\"_ _5\"></span>er, just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkurs<span class=\"_ _1c5\"> </span></span></span></span><div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K45 Ans<span class=\"_ _2\"></span>varlig l\u00e5nek<span class=\"_ _1\"></span>apital og fondsobligasjonsl\u00e5n<span class=\"_ _1c5\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-25": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Forsi<span class=\"_ _5\"></span>kringskont<span class=\"_ _5\"></span>rakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter er kontrakter der konsernet p\u00e5tar seg en betydelig forsik<span class=\"_ _5\"></span>ringsrisiko fra en forsikringst<span class=\"_ _5\"></span>aker ved \u00e5 samtykke i \u00e5 betale erstatni<span class=\"_ _5\"></span>ng til forsikringstakeren dersom en angitt usikker framtidi<span class=\"_ _5\"></span>g hendelse p\u00e5virker forsikringst<span class=\"_ _5\"></span>akeren negativt.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Investerings</span>k<span class=\"_ _5\"></span>ontrakter med skj\u00f8nnsmessi<span class=\"_ _5\"></span>ge deler er ogs\u00e5 klassifisert som forsikringsk<span class=\"_ _5\"></span>ontrakter. I konsernet utstedes forsikringsk<span class=\"_ _5\"></span>ontrakter av det heleide datterselsk<span class=\"_ _5\"></span>apet DNB Livsforsikri<span class=\"_ _5\"></span>ng (et livsforsikringss<span class=\"_ _5\"></span>elskap). <span class=\"ls0 ws0\"> </span>Produkter som tilbys av DNB Livsforsik<span class=\"_ _5\"></span>ring og som er klassifisert som forsikringskont<span class=\"_ _5\"></span>rakter omfatter tradisjonel<span class=\"_ _5\"></span>le garanterte produkter (ytels<span class=\"_ _5\"></span>es<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>basert pensjon, fri<span class=\"_ _5\"></span>poliser, gamle individuelle produkter og garanti<span class=\"_ _5\"></span>konto), risikopensjoner og personalforsik<span class=\"_ _5\"></span>ring. Forsikringsk<span class=\"_ _5\"></span>ontrakter presenteres som \u00abforsikri<span class=\"_ _5\"></span>ngsforpliktelse\u00bb i balansen. I tillegg brukes gjenf<span class=\"_ _5\"></span>orsikringskontrakter for \u00e5 redusere risiko<span class=\"wscf\">ek<span class=\"_ _5\"></span>spo<span class=\"wsd2\">neringen. Diss<span class=\"_ _5\"></span>e kontraktene er </span></span>presentert som \u00abandre eiendeler\u00bb i balans<span class=\"_ _5\"></span>en.<span class=\"ls0 ws0\"> </span>Flere invest<span class=\"_ _5\"></span>eringskontrakter (herunder unit li<span class=\"_ _5\"></span>nk<span class=\"ls0 ws0\">-</span>kontrakter) og innskuddspensj<span class=\"_ _5\"></span>on i DNB Livsforsikring klassifiseres ikke som forsikringsk<span class=\"_ _5\"></span>ontrakter. Disse kontrakt<span class=\"_ _5\"></span>ene klassifiseres og m\u00e5les som finansielle instrumenter (IFRS 9), se ytterl<span class=\"_ _5\"></span>igere informasjon i<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">note K<span class=\"_ _5\"></span>34<span class=\"ls0 ws0\"> </span></span>Eiendeler <span class=\"_ _5\"></span>og forpliktelser,<span class=\"_ _5\"></span> kunder b\u00e6rer <span class=\"_ _5\"></span>risikoen<span class=\"lsc1 wsce\">. </span>M\u00e5lemetode<span class=\"ls0 ws0\"> </span>Hovedtrekkene i den generelle m\u00e5lem<span class=\"_ _5\"></span>odellen (GMM) for m\u00e5ling av forsikringsf<span class=\"_ _5\"></span>orpliktelser er:<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse representerer n\u00e5v<span class=\"_ _5\"></span>erdien av framtidige kontantstr\u00f8mmer inkludert<span class=\"_ _5\"></span> en risikojustering for ikke</span>-<span class=\"lsaf wsf6\">finans<span class=\"_ _5\"></span>iell risiko. </span></span>Beregningene er gjort p\u00e5 gruppeniv\u00e5 for f<span class=\"_ _5\"></span>orsikringskontrakter.<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">Forplikt<span class=\"_ _5\"></span>elsene inkluderer <span class=\"_ _5\"></span>estimert kontraktsregul<span class=\"_ _5\"></span>ert tjenes<span class=\"_ _5\"></span>te<span class=\"wsf6\">margin (CSM), som representerer det ikke</span></span>-<span class=\"lsaf wsf6\">opptjent<span class=\"_ _5\"></span> gevinst</span>-<span class=\"lsaf wsd2\">elementet i<span class=\"_ _5\"></span> </span></span>forsikringsk<span class=\"_ _5\"></span>ontraktene. <span class=\"wsf6\">CSM resultatf<span class=\"_ _5\"></span>\u00f8res over forsikringskontraktenes deknings<span class=\"_ _5\"></span>periode.<span class=\"ls0 ws0\"> </span></span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Visse endringer i estimat<span class=\"_ _5\"></span>ene for n\u00e5verdien av framtidige kontantstr\u00f8mmer og risikoj<span class=\"_ _5\"></span>usteringen for ikke</span>-<span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell risiko justeres mot CSM og </span></span>regnskapsf\u00f8<span class=\"_ _5\"></span>res i resultatregnskapet over den gjenv\u00e6rende dekningsperioden for de aktuell<span class=\"_ _5\"></span>e kontraktene. Effekten av <span class=\"wsd2\">endringer i t<span class=\"_ _5\"></span>idsverdi </span>av penger og andre finansielle risikoer,<span class=\"_ _5\"></span> som ikke justerer CSM, regnskapsf\u00f8res i resultat<span class=\"_ _5\"></span>regnskapet. DNB har valgt \u00e5 ikke benytte OCI<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>opsjonen som er tillatt etter IFRS 17.<span class=\"ls0 ws0\"> </span>Risikopensj<span class=\"_ _5\"></span>oner m\u00e5les i henhold til GMM.<span class=\"ls0 ws0\"> </span>\u00abVariable fee\u00bb<span class=\"ls0 ws0\">-</span>t<span class=\"_ _5\"></span>iln\u00e6rmingen (VFA) er en variant av GMM og gjelder forsikringskontrakt<span class=\"_ _5\"></span>er med elementer av direkte deltakelse (kontrakter med et betydelig element av investerings<span class=\"_ _5\"></span>relaterte tjenest<span class=\"_ _5\"></span>er knyttet til avkastningen p\u00e5 de underliggende postene). Underli<span class=\"_ _5\"></span>ggende poster best\u00e5r av spesifisert<span class=\"_ _5\"></span>e portef\u00f8ljer av investeringer som fastsett<span class=\"_ _5\"></span>er bel\u00f8p som skal tilfalle forsikri<span class=\"_ _5\"></span>ngstakere. Ledelsen bruker skj\u00f8nn for \u00e5 vurdere om kriteri<span class=\"_ _5\"></span>ene for bruk av VFA er oppf<span class=\"_ _1\"></span>ylt, der relev<span class=\"_ _5\"></span>ante elementer av deltagelse, inkludert overskudds<span class=\"_ _5\"></span>deling mellom kontrakter, tas i betraktning. Under VFA vil ogs\u00e5 estimert framtidig \u00abvariabl<span class=\"_ _5\"></span>e fee\u00bb, som inkluderer endringer i diskonteringsrente og noen andre finans<span class=\"_ _5\"></span>ielle<span class=\"ls0 ws0\"> </span>effekt<span class=\"_ _5\"></span>er, justeres mot CSM<span class=\"_ _1\"></span>. VFA<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">produktene har en investeringskomponent. N\u00e5r</span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>an vurderer om produkter har en investeringskomponent, tas det hensyn til </span></span>relevante el<span class=\"_ _5\"></span>ementer av deltagelse, inkludert overskudds<span class=\"wsd2\">del<span class=\"_ _5\"></span>ing mellom kont<span class=\"_ _5\"></span>rakter.<span class=\"ls0 ws0\"> </span></span>VFA brukes for de fleste livsforsikri<span class=\"_ _5\"></span>ngsproduktene, inkl<span class=\"_ _5\"></span>udert de tradisjonelle garanterte produktene.<span class=\"ls0 ws0\"> </span>Premiefordel<span class=\"_ _5\"></span>ingsmetoden (PAA) er en valgfri forenklet m\u00e5lemodel<span class=\"_ _5\"></span>l, i hovedsak for kortsiktige kontrakter med dekningsperiode p\u00e5 inntil 12 m\u00e5neder. Denne metoden brukes for personal<span class=\"_ _5\"></span>forsikring og gjenforsikring. DNB har for PAA valgt \u00e5 kostnadsf\u00f8re kont<span class=\"_ _5\"></span>ant<span class=\"ls0 ws0\">s</span><span class=\"wsd2\">tr\u00f8mmer ved </span>anskaffelse n\u00e5r de p\u00e5l\u00f8per. Forplik<span class=\"_ _5\"></span>telsen for inntrufne skader i PAA justeres for tidsverdi<span class=\"_ _5\"></span>en av penger <span class=\"_ _1\"></span>og virkni<span class=\"_ _5\"></span>ngen av finansiell risiko. Forsikrings<span class=\"_ _5\"></span>forpliktelser innenfor PAA er opprinnelig innregnet<span class=\"_ _5\"></span> som mottatte premieinntekter.<span class=\"ls0 ws0\"> </span>M\u00e5lingen av forsikringsf<span class=\"_ _5\"></span>orpliktelser oppdateres<span class=\"_ _5\"></span> basert p\u00e5 gjeldende forutsetninger ved utgangen av hver rapporterings<span class=\"_ _5\"></span>periode, herunder oppdatert disk<span class=\"_ _5\"></span>onteringsrente.<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyl<span class=\"_ _5\"></span>lelse<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse inkluderer bel\u00f8p konsernet forvent<span class=\"_ _5\"></span>er \u00e5 innhente fra premier og utbetalinger til krav, ytelser<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>og kostnader. Estimatene hensynt<span class=\"_ _5\"></span>ar eksplisitt justering for ikke<span class=\"ls0 ws0\">-</span>f<span class=\"_ _5\"></span>inansiell risiko og er basert p\u00e5 forholdene p\u00e5 balansedagen. For<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">\u00e5 <span class=\"_ _5\"></span>beregne framtidige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer for fors<span class=\"_ _5\"></span>ikringskontrakter <span class=\"_ _5\"></span>benyttes kontantst<span class=\"_ _5\"></span>r\u00f8mmene i Solv<span class=\"_ _5\"></span>ens II<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">direktiv<span class=\"_ _5\"></span>et som grunnlag for beregningene, med enkelte </span>justeri<span class=\"_ _5\"></span>nger. Estimatene vil blant annet omfatte stokastisk modell<span class=\"_ _5\"></span>ering (risikon\u00f8ytrale metoder) for<span class=\"ls0 ws0\"> </span>\u00e5 m\u00e5le finansiel<span class=\"_ _5\"></span>le opsjoner og garantier.<span class=\"ls0 ws0\"> </span>Risikojusteri<span class=\"_ _5\"></span>ngene for ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">finansiell risik<span class=\"_ _5\"></span>o, hovedsakelig knyttet til risiko for uf\u00f8rhet og forventet levealder, beregnes<span class=\"_ _5\"></span> etter samme metode som </span>for risikomarginen under S<span class=\"_ _5\"></span>olvens II, men i noen grad med andre forutsetninger. Den beregnede risiko<span class=\"wscf\">jus<span class=\"_ _5\"></span>tering</span>en tilsvarer et konfi<span class=\"_ _5\"></span>densniv\u00e5 p\u00e5 88 prosent.<span class=\"ls0 ws0\"> </span>Diskonterings<span class=\"_ _5\"></span>rente<span class=\"ls0 ws0\"> </span>Metoden som brukes for \u00e5 beregne den markedsbaserte diskont<span class=\"_ _5\"></span>eringsrenten er basert p\u00e5 en \"bottom<span class=\"ls0 ws0\">-</span><span class=\"wscf\">up\"<span class=\"ls0 ws0\">-</span></span>metode. Den risik<span class=\"_ _5\"></span>ofrie renten er avledet av den norske swaprenten de f\u00f8rst<span class=\"_ _5\"></span>e ti \u00e5rene. Kredittrisiko er justert for ved \u00e5 benytte samme metode som ved fastsettelse av Solvens II<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>direktivets<span class=\"_ _5\"></span> rentekurve. Etter ti \u00e5r ekstrapoleres rent<span class=\"_ _5\"></span>ekurven til en forward rate etter Smith<span class=\"ls0 ws0\">-<span class=\"lsbe ws10b\">Wils<span class=\"_ _5\"></span>on</span>-</span>metoden. Det legges til en illikv<span class=\"_ _5\"></span>iditets<span class=\"_ _1c5\"> </span>Aggregeringsniv<span class=\"_ _5\"></span>\u00e5<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontraktene er delt inn i grupper av kontrakter. En portef\u00f8lje best\u00e5r av kontrakter som er underlagt li<span class=\"_ _5\"></span>gnende risiko og som forvaltes sammen. Port<span class=\"_ _5\"></span>ef\u00f8ljen vil v<span class=\"_ _5\"></span>idere bli delt <span class=\"_ _5\"></span>inn i <span class=\"_ _5\"></span>l\u00f8nnsom<span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span></span><span class=\"wsf6\">grupper og \u00e5rganger (\u00e5rlige kohorter).<span class=\"_ _5\"></span> For kontrakter m\u00e5lt etter VFA gjelder \"carve<span class=\"ls0 ws0\">-</span><span class=\"wscf\">out\"<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>unntaket godkj<span class=\"_ _5\"></span>ent av EU for \u00e5rlige ko<span class=\"wscf\">horter.<span class=\"ls0 ws0\"> </span></span>Kontraktens grense<span class=\"ls0 ws0\"> </span>Konsernet benytter begrepet<span class=\"_ _5\"></span> kontraktens grense for \u00e5 bestemme hvilke kontantst<span class=\"_ _5\"></span>r\u00f8mmer som s<span class=\"_ _1\"></span>kal<span class=\"_ _5\"></span> inng\u00e5 i m\u00e5lingen av grupper av forsikringsk<span class=\"_ _5\"></span>ontrakter. For de fleste tradisjonell<span class=\"_ _5\"></span>e garanterte produkter vurderes kontraktenes grens<span class=\"_ _5\"></span>er \u00e5 v\u00e6re langsiktige, noe<span class=\"ls0 ws0\"> <span class=\"lscd ws133\">som i<span class=\"_ _5\"></span></span></span>nneb\u00e6rer at alle framtidi<span class=\"_ _5\"></span>ge premier inng\u00e5r i kontantstr\u00f8mmene. Risikopensj<span class=\"_ _5\"></span>oner, garantikonto og personalfors<span class=\"_ _5\"></span>ikring har en kontraktsgrense p\u00e5 ett \u00e5r. Gjenforsikri<span class=\"_ _5\"></span>ngskontrakter har en kontraktsgrens<span class=\"_ _5\"></span>e p\u00e5 tre m\u00e5neder.<span class=\"ls0 ws0\"> </span>Innregning i res<span class=\"_ _5\"></span>ultatregnskapet<span class=\"ls0 ws0\"> </span>Linjen \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb inkluderer b\u00e5de resultat f<span class=\"_ _5\"></span>ra forsikringstjenester og finansres<span class=\"_ _5\"></span>ultat, livsforsikri<span class=\"_ _5\"></span>ng.<span class=\"ls0 ws0\"> </span>Resultat fra forsik<span class=\"_ _5\"></span>ringstjenester omfatter f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntekt, herunder frigiv<span class=\"_ _5\"></span>else av CSM og risikojustering i perioden.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kostnader for fors<span class=\"_ _5\"></span>ikringstjenester, herunder driftsk<span class=\"_ _5\"></span>ostnader knyttet til forsikringsk<span class=\"_ _5\"></span>ontrakter.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Netto inntekt / kostnad fra gjenf<span class=\"_ _5\"></span>orsikringskontrakter gjennom perioden.</span> </span>Finansres<span class=\"_ _5\"></span>ultat, livsforsikring inkluderer f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngsinntekter fra underliggende eiendeler ell<span class=\"_ _5\"></span>er gruppe av eiendeler, m\u00e5lt til virkelig verdi.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle forsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle gjenforsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span>Frigivelsen av CSM i resultatregnskapet<span class=\"_ _5\"></span> bestemmes av allokering av CSM ved utgangen av rapporteringsperioden for innev\u00e6rende <span class=\"wscf\">og </span>forventede gjenv\u00e6rende dek<span class=\"_ _5\"></span>ningsperiode for gruppen av forsikringskont<span class=\"_ _5\"></span>rakter, basert p\u00e5 dekningsenheter. Deknings<span class=\"_ _5\"></span>perioden er per<span class=\"wscf\">ioden </span>foretaket yter fors<span class=\"_ _5\"></span>ikringskontrakttj<span class=\"_ _5\"></span>enester. Forsikringskontrak<span class=\"_ _5\"></span>ttjenester inkluderer dek<span class=\"_ _5\"></span>ning for en forsikret hendelse, inves<span class=\"wscf\">teringsavk<span class=\"_ _5\"></span>astnings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>tjeneste og investeri<span class=\"_ _5\"></span>ngsrelatert tjeneste der det er relevant. Dekningsenhet<span class=\"_ _5\"></span>er for gruppen av forsikringskontrakter f<span class=\"_ _5\"></span>astsettes ved \u00e5 vurdere mengden av ytelser for hver kontrakt og dens forventet dekni<span class=\"_ _5\"></span>ngsperiode. Mengden av ytelser for investeringsavkastni<span class=\"_ _5\"></span>ng og inve<span class=\"wscf\">steringsrelatert </span>tjenester er eiendel<span class=\"_ _5\"></span>er under forvaltning, og for en forsikret hendelse er det forventede utbetalte ytels<span class=\"_ _5\"></span>er. Den relative vektingen av ytelsene for hver rapporterings<span class=\"_ _5\"></span>periode for tradisjonelle garant<span class=\"_ _5\"></span>erte produkter er basert p\u00e5 det maksimale av garantert rente og forventet a<span class=\"ls0 ws0\">v</span>kastning p\u00e5 eiendeler i perioden,<span class=\"_ _5\"></span> sammenliknet med forventede utbetalte ytelser. Konsernet har valgt \u00e5 diskontere deknings<span class=\"_ _5\"></span><span class=\"wsd2\">enheter med s<span class=\"_ _5\"></span>amme </span>diskonterings<span class=\"_ _5\"></span>rente som ved diskontering av kontantstr\u00f8mmer.<span class=\"ls0 ws0\"> </span>For frigivels<span class=\"_ _5\"></span>en av CSM behandles hvert kvartal som en atskilt del\u00e5rsrapporteringsperiode.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Endringer som er knyttet til n\u00e5v\u00e6rende eller ti<span class=\"_ _5\"></span>dligere tjenester, regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atregnskapet, og endringer som er knyttet til framt<span class=\"_ _5\"></span>idige tjenester, i<span class=\"_ _5\"></span>nnregnes ved balansef\u00f8ring mot CSM eller mot tapskomponenten.<span class=\"ls0 ws0\"> </span>Frigivelsen av risikoj<span class=\"_ _5\"></span>usteringen er basert p\u00e5 utviklingen i kapitalkost<span class=\"_ _5\"></span>naden for hver periode. Hele endringen av risikojusteri<span class=\"_ _5\"></span>ngen, inkludert finanseff<span class=\"_ _5\"></span>ekten, inng\u00e5r i resultat fra forsikrings<span class=\"wscf\">tj<span class=\"_ _5\"></span>enester.<span class=\"ls0 ws0\"> </span></span>Forventet og faktisk tilbak<span class=\"_ _5\"></span>ebetaling av investeringskomponent<span class=\"_ _5\"></span>en under VFA vil ikke v\u00e6re en del av for<span class=\"_ _1\"></span>sikri<span class=\"_ _5\"></span>ngsinntekter og kostnader for forsikringst<span class=\"_ _5\"></span>jenester.<span class=\"ls0 ws0\"> </span>Tapsbringende k<span class=\"_ _5\"></span>ontrakter innregnes umiddelbart som tap under kostnader for forsik<span class=\"_ _5\"></span>ringstjenester.<span class=\"ls0 ws0\"> </span>For kontrakter m\u00e5lt under VFA vil finansresultat<span class=\"_ _5\"></span>et v\u00e6re tiln\u00e6rmet null, fordi forsik<span class=\"_ _5\"></span>ringsfinansinntekter eller <span class=\"ls0 ws0\">-</span>kost<span class=\"_ _5\"></span>nader som omfatter endringer i virkelig verdi av underli<span class=\"_ _5\"></span>ggende poster (unntatt tillegg og uttak) vil v\u00e6re tiln\u00e6rmet likt s<span class=\"_ _5\"></span>om investeringsinntektene fra underliggende eiendeler m\u00e5lt til virkelig<span class=\"_ _1\"></span> verdi.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInsuranceContracts",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-417": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K43 F<span class=\"_ _1\"></span>orsikringsforpliktelser<span class=\"_ _1c5\"> </span></div>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Forsi<span class=\"_ _5\"></span>kringskont<span class=\"_ _5\"></span>rakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter er kontrakter der konsernet p\u00e5tar seg en betydelig forsik<span class=\"_ _5\"></span>ringsrisiko fra en forsikringst<span class=\"_ _5\"></span>aker ved \u00e5 samtykke i \u00e5 betale erstatni<span class=\"_ _5\"></span>ng til forsikringstakeren dersom en angitt usikker framtidi<span class=\"_ _5\"></span>g hendelse p\u00e5virker forsikringst<span class=\"_ _5\"></span>akeren negativt.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Investerings</span>k<span class=\"_ _5\"></span>ontrakter med skj\u00f8nnsmessi<span class=\"_ _5\"></span>ge deler er ogs\u00e5 klassifisert som forsikringsk<span class=\"_ _5\"></span>ontrakter. I konsernet utstedes forsikringsk<span class=\"_ _5\"></span>ontrakter av det heleide datterselsk<span class=\"_ _5\"></span>apet DNB Livsforsikri<span class=\"_ _5\"></span>ng (et livsforsikringss<span class=\"_ _5\"></span>elskap). <span class=\"ls0 ws0\"> </span>Produkter som tilbys av DNB Livsforsik<span class=\"_ _5\"></span>ring og som er klassifisert som forsikringskont<span class=\"_ _5\"></span>rakter omfatter tradisjonel<span class=\"_ _5\"></span>le garanterte produkter (ytels<span class=\"_ _5\"></span>es<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>basert pensjon, fri<span class=\"_ _5\"></span>poliser, gamle individuelle produkter og garanti<span class=\"_ _5\"></span>konto), risikopensjoner og personalforsik<span class=\"_ _5\"></span>ring. Forsikringsk<span class=\"_ _5\"></span>ontrakter presenteres som \u00abforsikri<span class=\"_ _5\"></span>ngsforpliktelse\u00bb i balansen. I tillegg brukes gjenf<span class=\"_ _5\"></span>orsikringskontrakter for \u00e5 redusere risiko<span class=\"wscf\">ek<span class=\"_ _5\"></span>spo<span class=\"wsd2\">neringen. Diss<span class=\"_ _5\"></span>e kontraktene er </span></span>presentert som \u00abandre eiendeler\u00bb i balans<span class=\"_ _5\"></span>en.<span class=\"ls0 ws0\"> </span>Flere invest<span class=\"_ _5\"></span>eringskontrakter (herunder unit li<span class=\"_ _5\"></span>nk<span class=\"ls0 ws0\">-</span>kontrakter) og innskuddspensj<span class=\"_ _5\"></span>on i DNB Livsforsikring klassifiseres ikke som forsikringsk<span class=\"_ _5\"></span>ontrakter. Disse kontrakt<span class=\"_ _5\"></span>ene klassifiseres og m\u00e5les som finansielle instrumenter (IFRS 9), se ytterl<span class=\"_ _5\"></span>igere informasjon i<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">note K<span class=\"_ _5\"></span>34<span class=\"ls0 ws0\"> </span></span>Eiendeler <span class=\"_ _5\"></span>og forpliktelser,<span class=\"_ _5\"></span> kunder b\u00e6rer <span class=\"_ _5\"></span>risikoen<span class=\"lsc1 wsce\">. </span>M\u00e5lemetode<span class=\"ls0 ws0\"> </span>Hovedtrekkene i den generelle m\u00e5lem<span class=\"_ _5\"></span>odellen (GMM) for m\u00e5ling av forsikringsf<span class=\"_ _5\"></span>orpliktelser er:<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse representerer n\u00e5v<span class=\"_ _5\"></span>erdien av framtidige kontantstr\u00f8mmer inkludert<span class=\"_ _5\"></span> en risikojustering for ikke</span>-<span class=\"lsaf wsf6\">finans<span class=\"_ _5\"></span>iell risiko. </span></span>Beregningene er gjort p\u00e5 gruppeniv\u00e5 for f<span class=\"_ _5\"></span>orsikringskontrakter.<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">Forplikt<span class=\"_ _5\"></span>elsene inkluderer <span class=\"_ _5\"></span>estimert kontraktsregul<span class=\"_ _5\"></span>ert tjenes<span class=\"_ _5\"></span>te<span class=\"wsf6\">margin (CSM), som representerer det ikke</span></span>-<span class=\"lsaf wsf6\">opptjent<span class=\"_ _5\"></span> gevinst</span>-<span class=\"lsaf wsd2\">elementet i<span class=\"_ _5\"></span> </span></span>forsikringsk<span class=\"_ _5\"></span>ontraktene. <span class=\"wsf6\">CSM resultatf<span class=\"_ _5\"></span>\u00f8res over forsikringskontraktenes deknings<span class=\"_ _5\"></span>periode.<span class=\"ls0 ws0\"> </span></span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Visse endringer i estimat<span class=\"_ _5\"></span>ene for n\u00e5verdien av framtidige kontantstr\u00f8mmer og risikoj<span class=\"_ _5\"></span>usteringen for ikke</span>-<span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell risiko justeres mot CSM og </span></span>regnskapsf\u00f8<span class=\"_ _5\"></span>res i resultatregnskapet over den gjenv\u00e6rende dekningsperioden for de aktuell<span class=\"_ _5\"></span>e kontraktene. Effekten av <span class=\"wsd2\">endringer i t<span class=\"_ _5\"></span>idsverdi </span>av penger og andre finansielle risikoer,<span class=\"_ _5\"></span> som ikke justerer CSM, regnskapsf\u00f8res i resultat<span class=\"_ _5\"></span>regnskapet. DNB har valgt \u00e5 ikke benytte OCI<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>opsjonen som er tillatt etter IFRS 17.<span class=\"ls0 ws0\"> </span>Risikopensj<span class=\"_ _5\"></span>oner m\u00e5les i henhold til GMM.<span class=\"ls0 ws0\"> </span>\u00abVariable fee\u00bb<span class=\"ls0 ws0\">-</span>t<span class=\"_ _5\"></span>iln\u00e6rmingen (VFA) er en variant av GMM og gjelder forsikringskontrakt<span class=\"_ _5\"></span>er med elementer av direkte deltakelse (kontrakter med et betydelig element av investerings<span class=\"_ _5\"></span>relaterte tjenest<span class=\"_ _5\"></span>er knyttet til avkastningen p\u00e5 de underliggende postene). Underli<span class=\"_ _5\"></span>ggende poster best\u00e5r av spesifisert<span class=\"_ _5\"></span>e portef\u00f8ljer av investeringer som fastsett<span class=\"_ _5\"></span>er bel\u00f8p som skal tilfalle forsikri<span class=\"_ _5\"></span>ngstakere. Ledelsen bruker skj\u00f8nn for \u00e5 vurdere om kriteri<span class=\"_ _5\"></span>ene for bruk av VFA er oppf<span class=\"_ _1\"></span>ylt, der relev<span class=\"_ _5\"></span>ante elementer av deltagelse, inkludert overskudds<span class=\"_ _5\"></span>deling mellom kontrakter, tas i betraktning. Under VFA vil ogs\u00e5 estimert framtidig \u00abvariabl<span class=\"_ _5\"></span>e fee\u00bb, som inkluderer endringer i diskonteringsrente og noen andre finans<span class=\"_ _5\"></span>ielle<span class=\"ls0 ws0\"> </span>effekt<span class=\"_ _5\"></span>er, justeres mot CSM<span class=\"_ _1\"></span>. VFA<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">produktene har en investeringskomponent. N\u00e5r</span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>an vurderer om produkter har en investeringskomponent, tas det hensyn til </span></span>relevante el<span class=\"_ _5\"></span>ementer av deltagelse, inkludert overskudds<span class=\"wsd2\">del<span class=\"_ _5\"></span>ing mellom kont<span class=\"_ _5\"></span>rakter.<span class=\"ls0 ws0\"> </span></span>VFA brukes for de fleste livsforsikri<span class=\"_ _5\"></span>ngsproduktene, inkl<span class=\"_ _5\"></span>udert de tradisjonelle garanterte produktene.<span class=\"ls0 ws0\"> </span>Premiefordel<span class=\"_ _5\"></span>ingsmetoden (PAA) er en valgfri forenklet m\u00e5lemodel<span class=\"_ _5\"></span>l, i hovedsak for kortsiktige kontrakter med dekningsperiode p\u00e5 inntil 12 m\u00e5neder. Denne metoden brukes for personal<span class=\"_ _5\"></span>forsikring og gjenforsikring. DNB har for PAA valgt \u00e5 kostnadsf\u00f8re kont<span class=\"_ _5\"></span>ant<span class=\"ls0 ws0\">s</span><span class=\"wsd2\">tr\u00f8mmer ved </span>anskaffelse n\u00e5r de p\u00e5l\u00f8per. Forplik<span class=\"_ _5\"></span>telsen for inntrufne skader i PAA justeres for tidsverdi<span class=\"_ _5\"></span>en av penger <span class=\"_ _1\"></span>og virkni<span class=\"_ _5\"></span>ngen av finansiell risiko. Forsikrings<span class=\"_ _5\"></span>forpliktelser innenfor PAA er opprinnelig innregnet<span class=\"_ _5\"></span> som mottatte premieinntekter.<span class=\"ls0 ws0\"> </span>M\u00e5lingen av forsikringsf<span class=\"_ _5\"></span>orpliktelser oppdateres<span class=\"_ _5\"></span> basert p\u00e5 gjeldende forutsetninger ved utgangen av hver rapporterings<span class=\"_ _5\"></span>periode, herunder oppdatert disk<span class=\"_ _5\"></span>onteringsrente.<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyl<span class=\"_ _5\"></span>lelse<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse inkluderer bel\u00f8p konsernet forvent<span class=\"_ _5\"></span>er \u00e5 innhente fra premier og utbetalinger til krav, ytelser<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>og kostnader. Estimatene hensynt<span class=\"_ _5\"></span>ar eksplisitt justering for ikke<span class=\"ls0 ws0\">-</span>f<span class=\"_ _5\"></span>inansiell risiko og er basert p\u00e5 forholdene p\u00e5 balansedagen. For<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">\u00e5 <span class=\"_ _5\"></span>beregne framtidige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer for fors<span class=\"_ _5\"></span>ikringskontrakter <span class=\"_ _5\"></span>benyttes kontantst<span class=\"_ _5\"></span>r\u00f8mmene i Solv<span class=\"_ _5\"></span>ens II<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">direktiv<span class=\"_ _5\"></span>et som grunnlag for beregningene, med enkelte </span>justeri<span class=\"_ _5\"></span>nger. Estimatene vil blant annet omfatte stokastisk modell<span class=\"_ _5\"></span>ering (risikon\u00f8ytrale metoder) for<span class=\"ls0 ws0\"> </span>\u00e5 m\u00e5le finansiel<span class=\"_ _5\"></span>le opsjoner og garantier.<span class=\"ls0 ws0\"> </span>Risikojusteri<span class=\"_ _5\"></span>ngene for ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">finansiell risik<span class=\"_ _5\"></span>o, hovedsakelig knyttet til risiko for uf\u00f8rhet og forventet levealder, beregnes<span class=\"_ _5\"></span> etter samme metode som </span>for risikomarginen under S<span class=\"_ _5\"></span>olvens II, men i noen grad med andre forutsetninger. Den beregnede risiko<span class=\"wscf\">jus<span class=\"_ _5\"></span>tering</span>en tilsvarer et konfi<span class=\"_ _5\"></span>densniv\u00e5 p\u00e5 88 prosent.<span class=\"ls0 ws0\"> </span>Diskonterings<span class=\"_ _5\"></span>rente<span class=\"ls0 ws0\"> </span>Metoden som brukes for \u00e5 beregne den markedsbaserte diskont<span class=\"_ _5\"></span>eringsrenten er basert p\u00e5 en \"bottom<span class=\"ls0 ws0\">-</span><span class=\"wscf\">up\"<span class=\"ls0 ws0\">-</span></span>metode. Den risik<span class=\"_ _5\"></span>ofrie renten er avledet av den norske swaprenten de f\u00f8rst<span class=\"_ _5\"></span>e ti \u00e5rene. Kredittrisiko er justert for ved \u00e5 benytte samme metode som ved fastsettelse av Solvens II<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>direktivets<span class=\"_ _5\"></span> rentekurve. Etter ti \u00e5r ekstrapoleres rent<span class=\"_ _5\"></span>ekurven til en forward rate etter Smith<span class=\"ls0 ws0\">-<span class=\"lsbe ws10b\">Wils<span class=\"_ _5\"></span>on</span>-</span>metoden. Det legges til en illikv<span class=\"_ _5\"></span>iditets<span class=\"_ _1c5\"> </span>premie for hele l\u00f8peti<span class=\"_ _5\"></span>den under forutsetning av at forpliktelsene er illikvide gjennom hele p<span class=\"wscf\">eri<span class=\"_ _5\"></span>oden<span class=\"_ _1c5\"> </span></span><span class=\"wscf\">.<span class=\"_ _1c5\"> </span></span><div class=\"c w111 h1f5 gs1fe\"><div class=\"t m2 x248 hcf y2f92 ff2c2 fs55 fc21 sc0 lsaf wscf\">Aggregeringsniv<span class=\"_ _5\"></span>\u00e5<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2f93 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Forsikringsk<span class=\"_ _5\"></span>ontraktene er delt inn i grupper av kontrakter. En portef\u00f8lje best\u00e5r av kontrakter som er underlagt li<span class=\"_ _5\"></span>gnende risiko og som forvaltes </div><div class=\"t m2 x248 hcf y2f94 ff2c2 fs55 fc21 sc0 lsaf wsd2\">sammen. Port<span class=\"_ _5\"></span>ef\u00f8ljen vil v<span class=\"_ _5\"></span>idere bli delt <span class=\"_ _5\"></span>inn i <span class=\"_ _5\"></span>l\u00f8nnsom<span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span></span><span class=\"wsf6\">grupper og \u00e5rganger (\u00e5rlige kohorter).<span class=\"_ _5\"></span> For kontrakter m\u00e5lt etter VFA gjelder \"carve<span class=\"ls0 ws0\">-</span><span class=\"wscf\">out\"<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span></div><div class=\"t m2 x248 hcf y2f95 ff2c2 fs55 fc21 sc0 lsaf wsf6\">unntaket godkj<span class=\"_ _5\"></span>ent av EU for \u00e5rlige ko<span class=\"wscf\">horter.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2f96 ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2f97 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Kontraktens grense<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2f98 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Konsernet benytter begrepet<span class=\"_ _5\"></span> kontraktens grense for \u00e5 bestemme hvilke kontantst<span class=\"_ _5\"></span>r\u00f8mmer som s<span class=\"_ _1\"></span>kal<span class=\"_ _5\"></span> inng\u00e5 i m\u00e5lingen av grupper av </div><div class=\"t m2 x248 hcf y2f99 ff2c2 fs55 fc21 sc0 lsaf wsf6\">forsikringsk<span class=\"_ _5\"></span>ontrakter. For de fleste tradisjonell<span class=\"_ _5\"></span>e garanterte produkter vurderes kontraktenes grens<span class=\"_ _5\"></span>er \u00e5 v\u00e6re langsiktige, noe<span class=\"ls0 ws0\"> <span class=\"lscd ws133\">som i<span class=\"_ _5\"></span></span></span>nneb\u00e6rer at </div><div class=\"t m2 x248 hcf y2f9a ff2c2 fs55 fc21 sc0 lsaf wsf6\">alle framtidi<span class=\"_ _5\"></span>ge premier inng\u00e5r i kontantstr\u00f8mmene. Risikopensj<span class=\"_ _5\"></span>oner, garantikonto og personalfors<span class=\"_ _5\"></span>ikring har en kontraktsgrense p\u00e5 ett \u00e5r. </div><div class=\"t m2 x248 hcf y2f9b ff2c2 fs55 fc21 sc0 lsaf wsf6\">Gjenforsikri<span class=\"_ _5\"></span>ngskontrakter har en kontraktsgrens<span class=\"_ _5\"></span>e p\u00e5 tre m\u00e5neder.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2f9c ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2f9d ff2c2 fs55 fc21 sc0 lsaf wsf6\">Innregning i res<span class=\"_ _5\"></span>ultatregnskapet<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2f9e ff2c2 fs55 fc21 sc0 lsaf wsf6\">Linjen \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb inkluderer b\u00e5de resultat f<span class=\"_ _5\"></span>ra forsikringstjenester og finansres<span class=\"_ _5\"></span>ultat, livsforsikri<span class=\"_ _5\"></span>ng.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2f9f ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fa0 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Resultat fra forsik<span class=\"_ _5\"></span>ringstjenester omfatter f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y28b3 ff2c4 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntekt, herunder frigiv<span class=\"_ _5\"></span>else av CSM og risikojustering i perioden.</span> </span></div><div class=\"t m2 x248 hcf y2fa1 ff2c4 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kostnader for fors<span class=\"_ _5\"></span>ikringstjenester, herunder driftsk<span class=\"_ _5\"></span>ostnader knyttet til forsikringsk<span class=\"_ _5\"></span>ontrakter.</span> </span></div><div class=\"t m2 x248 hcf y2fa2 ff2c4 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Netto inntekt / kostnad fra gjenf<span class=\"_ _5\"></span>orsikringskontrakter gjennom perioden.</span> </span></div><div class=\"t m2 x248 hcf y2fa3 ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fa4 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Finansres<span class=\"_ _5\"></span>ultat, livsforsikring inkluderer f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2fa5 ff2c4 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngsinntekter fra underliggende eiendeler ell<span class=\"_ _5\"></span>er gruppe av eiendeler, m\u00e5lt til virkelig verdi.</span> </span></div><div class=\"t m2 x248 hcf y2fa6 ff2c4 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle forsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span></div><div class=\"t m2 x248 hcf y2fa7 ff2c4 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle gjenforsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span></div><div class=\"t m2 x248 hcf y2fa8 ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fa9 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Frigivelsen av CSM i resultatregnskapet<span class=\"_ _5\"></span> bestemmes av allokering av CSM ved utgangen av rapporteringsperioden for innev\u00e6rende <span class=\"wscf\">og </span></div><div class=\"t m2 x248 hcf y2faa ff2c2 fs55 fc21 sc0 lsaf wsf6\">forventede gjenv\u00e6rende dek<span class=\"_ _5\"></span>ningsperiode for gruppen av forsikringskont<span class=\"_ _5\"></span>rakter, basert p\u00e5 dekningsenheter. Deknings<span class=\"_ _5\"></span>perioden er per<span class=\"wscf\">ioden </span></div><div class=\"t m2 x248 hcf y2fab ff2c2 fs55 fc21 sc0 lsaf wsf6\">foretaket yter fors<span class=\"_ _5\"></span>ikringskontrakttj<span class=\"_ _5\"></span>enester. Forsikringskontrak<span class=\"_ _5\"></span>ttjenester inkluderer dek<span class=\"_ _5\"></span>ning for en forsikret hendelse, inves<span class=\"wscf\">teringsavk<span class=\"_ _5\"></span>astnings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x248 hcf y2fac ff2c2 fs55 fc21 sc0 lsaf wsf6\">tjeneste og investeri<span class=\"_ _5\"></span>ngsrelatert tjeneste der det er relevant. Dekningsenhet<span class=\"_ _5\"></span>er for gruppen av forsikringskontrakter f<span class=\"_ _5\"></span>astsettes ved \u00e5 vurdere </div><div class=\"t m2 x248 hcf y2fad ff2c2 fs55 fc21 sc0 lsaf wsf6\">mengden av ytelser for hver kontrakt og dens forventet dekni<span class=\"_ _5\"></span>ngsperiode. Mengden av ytelser for investeringsavkastni<span class=\"_ _5\"></span>ng og inve<span class=\"wscf\">steringsrelatert </span></div><div class=\"t m2 x248 hcf y2905 ff2c2 fs55 fc21 sc0 lsaf wsf6\">tjenester er eiendel<span class=\"_ _5\"></span>er under forvaltning, og for en forsikret hendelse er det forventede utbetalte ytels<span class=\"_ _5\"></span>er. Den relative vektingen av ytelsene for </div><div class=\"t m2 x248 hcf y2fae ff2c2 fs55 fc21 sc0 lsaf wsf6\">hver rapporterings<span class=\"_ _5\"></span>periode for tradisjonelle garant<span class=\"_ _5\"></span>erte produkter er basert p\u00e5 det maksimale av garantert rente og forventet a<span class=\"ls0 ws0\">v</span>kastning p\u00e5 </div><div class=\"t m2 x248 hcf y2faf ff2c2 fs55 fc21 sc0 lsaf wsf6\">eiendeler i perioden,<span class=\"_ _5\"></span> sammenliknet med forventede utbetalte ytelser. Konsernet har valgt \u00e5 diskontere deknings<span class=\"_ _5\"></span><span class=\"wsd2\">enheter med s<span class=\"_ _5\"></span>amme </span></div><div class=\"t m2 x248 hcf y2fb0 ff2c2 fs55 fc21 sc0 lsaf wsf6\">diskonterings<span class=\"_ _5\"></span>rente som ved diskontering av kontantstr\u00f8mmer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2fb1 ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fb2 ff2c2 fs55 fc21 sc0 lsaf wsf6\">For frigivels<span class=\"_ _5\"></span>en av CSM behandles hvert kvartal som en atskilt del\u00e5rsrapporteringsperiode.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2fb3 ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fb4 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Endringer som er knyttet til n\u00e5v\u00e6rende eller ti<span class=\"_ _5\"></span>dligere tjenester, regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atregnskapet, og endringer som er knyttet til framt<span class=\"_ _5\"></span>idige </div><div class=\"t m2 x248 hcf y2fb5 ff2c2 fs55 fc21 sc0 lsaf wsf6\">tjenester, i<span class=\"_ _5\"></span>nnregnes ved balansef\u00f8ring mot CSM eller mot tapskomponenten.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2fb6 ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fb7 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Frigivelsen av risikoj<span class=\"_ _5\"></span>usteringen er basert p\u00e5 utviklingen i kapitalkost<span class=\"_ _5\"></span>naden for hver periode. Hele endringen av risikojusteri<span class=\"_ _5\"></span>ngen, inkludert </div><div class=\"t m2 x248 hcf y2fb8 ff2c2 fs55 fc21 sc0 lsaf wsf6\">finanseff<span class=\"_ _5\"></span>ekten, inng\u00e5r i resultat fra forsikrings<span class=\"wscf\">tj<span class=\"_ _5\"></span>enester.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y2fb9 ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fba ff2c2 fs55 fc21 sc0 lsaf wsf6\">Forventet og faktisk tilbak<span class=\"_ _5\"></span>ebetaling av investeringskomponent<span class=\"_ _5\"></span>en under VFA vil ikke v\u00e6re en del av for<span class=\"_ _1\"></span>sikri<span class=\"_ _5\"></span>ngsinntekter og kostnader for </div><div class=\"t m2 x248 hcf y2fbb ff2c2 fs55 fc21 sc0 lsaf wscf\">forsikringst<span class=\"_ _5\"></span>jenester.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2fbc ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fbd ff2c2 fs55 fc21 sc0 lsaf wsf6\">Tapsbringende k<span class=\"_ _5\"></span>ontrakter innregnes umiddelbart som tap under kostnader for forsik<span class=\"_ _5\"></span>ringstjenester.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2fbe ff2c2 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fbf ff2c2 fs55 fc21 sc0 lsaf wsf6\">For kontrakter m\u00e5lt under VFA vil finansresultat<span class=\"_ _5\"></span>et v\u00e6re tiln\u00e6rmet null, fordi forsik<span class=\"_ _5\"></span>ringsfinansinntekter eller <span class=\"ls0 ws0\">-</span>kost<span class=\"_ _5\"></span>nader som omfatter endringer i </div><div class=\"t m2 x248 hcf y2fc0 ff2c2 fs55 fc21 sc0 lsaf wsf6\">virkelig verdi av underli<span class=\"_ _5\"></span>ggende poster (unntatt tillegg og uttak) vil v\u00e6re tiln\u00e6rmet likt s<span class=\"_ _5\"></span>om investeringsinntektene fra underliggende eiendeler </div><div class=\"t m2 x248 hcf y2fc1 ff2c2 fs55 fc21 sc0 lsb9 ws123\">m\u00e5lt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2fc2 ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fc3 ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2fc4 ff2c2 fs55 fc21 sc0 lsaf wsf6\">I konsernet utstedes forsikri<span class=\"_ _5\"></span>ngskontrakter av det heleide datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring AS. Alle tall i denne noten repr<span class=\"ws114\">esent<span class=\"_ _5\"></span>erer konsernets </span></div><div class=\"t m2 x248 hcf y2fc5 ff2c2 fs55 fc21 sc0 lsaf wsf6\">forsikringsf<span class=\"_ _5\"></span>orpliktelser, med unntak av referanser t<span class=\"_ _5\"></span>il solvenskapital, som er oppgitt for datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring <span class=\"lsd3\">AS.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2fc6 ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2fc7 ff2c3 fs5a fc21 sc0 lsba ws101\">Forsikri<span class=\"_ _1\"></span>ngskontrakter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2fc8 ff2c2 fs55 fc21 sc0 lsaf wsf6\">Forsikringsk<span class=\"_ _5\"></span>ontrakter omfatter tradisj<span class=\"_ _5\"></span>onelle garanterte produkter, risikopensj<span class=\"_ _5\"></span>oner og personalforsikring. Portef<span class=\"_ _5\"></span>\u00f8ljen av tradisjonelle garanterte </div><div class=\"t m2 x248 hcf y2fc9 ff2c2 fs55 fc21 sc0 lsaf wsf6\">produkter er stengt for nytegninger,<span class=\"_ _5\"></span> noe som betyr at den er under av<span class=\"_ _1\"></span>vikl<span class=\"_ _5\"></span>ing.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2fca ff2c2 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xcf hd6 y2fcb ff2c3 fs5 fc21 sc0 ls0 ws0\"> </div></div><div class=\"c w73 h1e4 gs200\"><div class=\"t m2 x20e h12c y3044 ff2cb fs59 fc21 sc0 lsb8 wsfe\">Tradi<span class=\"_ _1\"></span>sjonel<span class=\"_ _1\"></span>le g<span class=\"_ _1\"></span>arante<span class=\"_ _1\"></span>rte pro<span class=\"_ _1\"></span>dukt<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2a22 ff2cc fs55 fc21 sc0 lsaf wsf6\">De st\u00f8rste portef\u00f8lj<span class=\"_ _5\"></span>ene i denne kategorien er ytelsespensjon og fripoliser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y307b ff2cc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y307c ff2cc fs55 fc21 sc0 lsaf wsf6\">Ytelses<span class=\"_ _5\"></span>pensjon kan omfatte alderspensjon, uf\u00f8repensjon, ekt<span class=\"_ _5\"></span>efellepensjon, samboerpensjon ell<span class=\"_ _5\"></span>er barnepensjon. <span class=\"wscf\">Ved alder</span>spensj<span class=\"_ _5\"></span>on utbetales </div><div class=\"t m2 x20e hcf y307d ff2cc fs55 fc21 sc0 lsaf wscf\">pensjonen<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">f<span class=\"_ _5\"></span>ra en avtalt alder og s\u00e5 lenge den <span class=\"_ _1\"></span>fors<span class=\"_ _5\"></span>ikrede lever. Det kan ogs\u00e5 avtales at pensjonsutbetalingene opph\u00f8rer ved en viss alder. </span></div><div class=\"t m2 x20e hcf y307e ff2cc fs55 fc21 sc0 lsaf wsd2\">Utover spareprem<span class=\"_ _5\"></span>ie, innbet<span class=\"_ _5\"></span>ales e<span class=\"wsf6\">n premie for renterisik<span class=\"_ _5\"></span>o, forsikringsrisiko og administrasjon<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span></span>p\u00e5 forh\u00e5nd.<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">Yt<span class=\"_ _5\"></span>elsespensjon inkluderer en \u00e5rlig </span></div><div class=\"t m2 x20e hcf y307f ff2cc fs55 fc21 sc0 lsaf wsf6\">garantert avkast<span class=\"_ _5\"></span>ning til forsikringstakeren.<span class=\"_ _5\"></span> <span class=\"wscf\">Tildeling </span>til forsik<span class=\"_ _5\"></span>ringstakeren er definert i for<span class=\"wscf\">sikringsvi<span class=\"_ _5\"></span>rksomhetsloven</span>, og selskapet kan benytte </div><div class=\"t m2 x20e hcf y3080 ff2cc fs55 fc21 sc0 lsaf wsf6\">bufferkont<span class=\"_ _5\"></span>oer for \u00e5 oppfylle den garanterte avkastningen<span class=\"ls0 ws0\">.  </span></div><div class=\"t m2 x20e he2 y2a66 ff2cc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3081 ff2cc fs55 fc21 sc0 lsaf wsf6\">N\u00e5r et medlem trer ut av en pensjonsavtale eller en pensjonsavtale opph\u00f8rer, har medlemmet krav p\u00e5 en fripol<span class=\"_ _5\"></span>ise. Rettighetene<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">som er oppt<span class=\"_ _5\"></span>jent </span></div><div class=\"t m2 x20e hcf y3082 ff2cc fs55 fc21 sc0 lsaf wsf6\">p\u00e5 oppsigelsesti<span class=\"_ _5\"></span>dspunktet videref\u00f8res i fripol<span class=\"_ _5\"></span>iser. Fripoliser har en egen overskuddsfordelingsm<span class=\"_ _5\"></span>odell<span class=\"lsc4 ws0\">. S</span>el<span class=\"_ _5\"></span>skapet kan<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">som for y<span class=\"_ _5\"></span>telsespensjon<span class=\"ls0 ws0\">, </span></span></div><div class=\"t m2 x20e hcf y3083 ff2cc fs55 fc21 sc0 lsaf wscf\">benytte bufferk<span class=\"_ _5\"></span>ontoer <span class=\"wsf6\">for \u00e5 oppfylle den garanterte avkast<span class=\"_ _5\"></span>ningen.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3084 ff2cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y3085 ff2cb fs59 fc21 sc0 lsd9 ws13b\">Ri<span class=\"lsb7 ws100\">sikope<span class=\"_ _5\"></span>nsjoner<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3050 ff2cc fs55 fc21 sc0 lsaf wsf6\">En risikopensjon er knyttet ti<span class=\"_ _5\"></span>l en innskuddspensjon<span class=\"lscd ws12a\">, s<span class=\"_ _5\"></span>om <span class=\"_ _5\"></span><span class=\"lsbc ws0\">kan<span class=\"_ _1\"></span> omfatte<span class=\"_ _1\"></span><span class=\"ls0\"> <span class=\"lsaf wscf\">innskuddsfrit<span class=\"_ _5\"></span>ak,</span> <span class=\"lsaf wsf6\">uf\u00f8repensjon, ektefellepens<span class=\"_ _5\"></span>jon, samboerpensjon eller </span></span></span></span></div><div class=\"t m2 x20e hcf y3051 ff2cc fs55 fc21 sc0 lsaf wscf\">barnepensjon. <span class=\"_ _5\"></span>Innskuddsfritak<span class=\"_ _5\"></span><span class=\"lsbd ws104\">et<span class=\"ls0 ws0\"> </span></span><span class=\"wsf6\">er obligat<span class=\"_ _5\"></span>orisk for alle bedrifter i Norge,<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3086 ff2cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y3087 ff2cb fs59 fc21 sc0 lsb7 ws100\">Pers<span class=\"_ _5\"></span>onalforsik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3088 ff2cc fs55 fc21 sc0 lsaf wsf6\">Personalf<span class=\"_ _5\"></span>orsikring er et ett\u00e5rig risikoprodukt, som kan omfatte gruppelivs<span class=\"_ _5\"></span>forsikring, ulykk<span class=\"_ _5\"></span>esforsikring eller helseforsikri<span class=\"_ _5\"></span>ng<span class=\"wsd2\">. Yrkesskadef<span class=\"_ _5\"></span>orsikring </span></div><div class=\"t m2 x20e hcf y3089 ff2cc fs55 fc21 sc0 lsaf wsf6\">er obligatorisk<span class=\"_ _5\"></span> for alle bedrifter i Norge. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y308a ff2cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y308b ff2cb fs5a fc21 sc0 lsba ws105\">Risiko i for<span class=\"_ _1\"></span>sikringskontrakter<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y308c ff2cc fs55 fc21 sc0 lsaf wsf6\">Risiko i forsik<span class=\"_ _5\"></span>ringskontrakter omfatter finansi<span class=\"_ _5\"></span>ell risiko og forsikringsrisiko, i til<span class=\"_ _5\"></span>legg til operasjonell risiko og forretnings<span class=\"_ _5\"></span>risiko. Finansiell risiko </div><div class=\"t m2 x20e hcf y308d ff2cc fs55 fc21 sc0 lsaf wsd2\">omfatter k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"lsbe ws104\">, l<span class=\"_ _5\"></span>ikvi<span class=\"_ _5\"></span>dit<span class=\"_ _5\"></span>ets</span>- </span><span class=\"wsf6\">og mark<span class=\"_ _5\"></span>edsrisiko. Markedsrisik<span class=\"_ _5\"></span>o er risiko knyttet til aksjekurs, rente</span>r <span class=\"_ _5\"></span>og eiendom. Fors<span class=\"_ _5\"></span>ikringsrisiko k<span class=\"_ _5\"></span>nytter seg i </div><div class=\"t m2 x20e hcf y308e ff2cc fs55 fc21 sc0 lsaf wsf6\">hovedsak til endringer i framt<span class=\"_ _5\"></span>idige forsikringsutbetali<span class=\"_ _5\"></span>nger som f\u00f8lge av endringer i forventet levealder (d\u00f8delighet) og uf\u00f8rhet.<span class=\"_ _5\"></span> Risiko knyttet til </div><div class=\"t m2 x20e hcf y308f ff2cc fs55 fc21 sc0 lsaf wscf\">forsikrings<span class=\"wsf6\">k<span class=\"_ _5\"></span>ontrakter blir i varierende grad delt mellom forsikringst<span class=\"_ _5\"></span>akeren og selskapet. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3090 ff2cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y3091 ff2cb fs59 fc21 sc0 lsb8 ws125\">Marked<span class=\"_ _1\"></span>srisi<span class=\"_ _1\"></span>ko<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3092 ff2cc fs55 fc21 sc0 lsaf wsf6\">Hovedrisikoen er at finans<span class=\"_ _5\"></span>avkastning ikke vil v\u00e6re tilstrekkelig til \u00e5 oppfylle forplikt<span class=\"_ _5\"></span>elsene som er angitt i forsikringspolis<span class=\"_ _5\"></span>er, og som inkluderer </div><div class=\"t m2 x20e hcf y3093 ff2cc fs55 fc21 sc0 lsaf wsf6\">den \u00e5rlige garanterte avk<span class=\"_ _5\"></span>astningen. Gjennomsnittet f<span class=\"_ _5\"></span>or den garanterte avkastningen p\u00e5 forsikringsforplik<span class=\"_ _5\"></span>telsene var 2,9 prosent per <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3094 ff2cc fs55 fc21 sc0 lsaf wsf6\">31. desember 2025 og 2,9 prosent per 31. desember 2024. Dersom avkastning<span class=\"wscf\">en<span class=\"ls0 ws0\"> </span></span>for et \u00e5r er mindre enn den garanterte avk<span class=\"_ _5\"></span>astningen, kan </div><div class=\"t m2 x20e hcf y3095 ff2cc fs55 fc21 sc0 lsaf wscf\">selskapet<span class=\"ls0 ws0\"> </span>benyt<span class=\"_ _5\"></span>te <span class=\"wsf6\">tilgjengelige bufferkont<span class=\"_ _5\"></span>oer<span class=\"ls0 ws0\"> </span>til \u00e5 dekke manglende avkastning<span class=\"lsb9 ws123\">. Ellers<span class=\"ls0 ws0\"> </span></span></span>m\u00e5 selskap<span class=\"lsc4 ws115\">et </span><span class=\"wsf6\">kompens<span class=\"_ _5\"></span>ere for manglende avkastning.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3096 ff2cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y3097 ff2cb fs59 fc21 sc0 lsb7 ws100\">Forsi<span class=\"_ _5\"></span>kringsris<span class=\"_ _5\"></span>iko <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3098 ff2cc fs55 fc21 sc0 lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>risiko oppst\u00e5r n\u00e5r faktiske dat<span class=\"_ _5\"></span>a for d\u00f8delighet, uf\u00f8rhet og erstatningskrav avviker fra de forutsetni<span class=\"_ _5\"></span>ngene som ligger til grunn for </div><div class=\"t m2 x20e hcf y3099 ff2cc fs55 fc21 sc0 lsaf wsf6\">beregningsgrunnlaget<span class=\"_ _5\"></span> for premier og avsetninger. For eksempel vil en generell \u00f8kning i forventet levealder eller uf\u00f8rhet f\u00f8re til \u00f8kte ut<span class=\"_ _5\"></span>betalinger </div><div class=\"t m2 x20e hcf y309a ff2cc fs55 fc21 sc0 lsaf wsf6\">etter forsikri<span class=\"_ _5\"></span>ngsavtalen. L\u00f8nnsomheten kan dermed svekkes dersom faktisk d\u00f8deli<span class=\"_ _5\"></span>ghet eller uf\u00f8rhet avviker vesentlig fra prisf<span class=\"_ _5\"></span><span class=\"wscf\">orventningene. <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y309b ff2cc fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12c y309c ff2cb fs59 fc21 sc0 lsb8 ws125\">Likv<span class=\"_ _1\"></span>iditet<span class=\"_ _1\"></span>srisiko<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y309d ff2cc fs55 fc21 sc0 lsaf wsf6\">Likvidit<span class=\"_ _5\"></span>etsrisiko er risikoen for at DNB ikke er i stand til \u00e5 innfri sine forpliktels<span class=\"_ _5\"></span>er ved forfall, eller ikke klarer \u00e5 m\u00f8t<span class=\"wsd2\">e sine li<span class=\"_ _5\"></span>kviditetsforpl<span class=\"_ _5\"></span>iktelser </span></div><div class=\"t m2 x20e hcf y309e ff2cc fs55 fc21 sc0 lsaf wsf6\">uten at kostnaden ved dette \u00f8ker for mye. DNB styrer likvidit<span class=\"_ _5\"></span>etsrisikoen slik at konsernet til enhver tid har tilstrekk<span class=\"_ _5\"></span>elige likvide midler til \u00e5 oppfylle </div><div class=\"t m2 x20e hcf y309f ff2cc fs55 fc21 sc0 lsaf wsd2\">sine forpl<span class=\"_ _5\"></span>iktelser. Fors<span class=\"_ _5\"></span>ikringsforplikt<span class=\"_ _5\"></span>elsen<span class=\"ls0 ws0\">e </span><span class=\"wscf\">har gjennomsnittl<span class=\"_ _5\"></span>ig <span class=\"wsf6\">lang durasjon sammenliknet med aktivaplass<span class=\"_ _5\"></span>eringene, som har relativt kort </span></span></div><div class=\"t m2 x20e hcf y30a0 ff2cc fs55 fc21 sc0 lsaf wsf6\">durasjon. Likvidi<span class=\"_ _5\"></span>tetsrisikoen har generelt bli<span class=\"_ _5\"></span>tt vurdert til<span class=\"ls0 ws0\"> </span>\u00e5 v\u00e6re lav for forsikringsforpl<span class=\"_ _5\"></span>iktelser. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y30a1 ff2cc fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y30a2 ff2cc fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor viser en forfal<span class=\"_ _5\"></span>lsanalyse av konsernets forsikrings<span class=\"wscf\">kontrak<span class=\"_ _5\"></span>ter<span class=\"wsd2\">, som <span class=\"_ _5\"></span>reflekterer t<span class=\"_ _5\"></span>idsintervallene f<span class=\"_ _5\"></span>or </span></span>n\u00e5verdi<span class=\"_ _5\"></span>en av <span class=\"wscf\">forventede </span></div><div class=\"t m2 x20e hcf y30a3 ff2cc fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmer<span class=\"ls0 ws0\">. </span></div><div class=\"t m2 x20e hcf y30a4 ff2cc fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs201\"><table class=\"s w3c9 h51d\" id=\"_808f149c-32a5-4ca0-b1ed-ac607bb494df\"><tr><td></td><td class=\"c x523 y4444 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Betalin<span class=\"_ _5\"></span>g p\u00e5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4444 wde hd7\"><div class=\"t m2 x247 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Inntil<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4444 wdf hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4444 wde hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 2 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 3 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 4 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4444 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Over<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y4445 w1f9 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2cd fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4445 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">foresp<span class=\"_ _5\"></span>\u00f8rsel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4445 wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">1 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4445 wdf hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4445 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>4 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4445 wdc hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4445 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4446 w1f9 h15b\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x524 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">405</span> </div></td><td class=\"c x525 y4446 wdf h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">005</span> </div></td><td class=\"c x526 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">055</span> </div></td><td class=\"c x527 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">042</span> </div></td><td class=\"c x528 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x529 y4446 wdc h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">143<span class=\"ls0 ws0\"> </span>644<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4446 wdd h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4447 w1f9 h135\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x524 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x525 y4447 wdf h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">617</span> </div></td><td class=\"c x526 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x527 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">877</span> </div></td><td class=\"c x528 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">020</span> </div></td><td class=\"c x529 y4447 wdc h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span>717<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4447 wdd h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>769<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h1e4 gs203\"><div class=\"t m2 x248 h12c y3044 ff2cf fs59 fc21 sc0 lscb ws122\">Over<span class=\"_ _5\"></span>v\u00e5king <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2a22 ff2ce fs55 fc21 sc0 lsaf wsf6\">DNB Livsforsikri<span class=\"_ _5\"></span>ng benytter <span class=\"wsd2\">blant annet </span>et ris<span class=\"_ _5\"></span>ikoappetittrammeverk for risikosty<span class=\"_ _5\"></span>ring. Risikoappetitten er satt med m\u00e5l for kapitalis<span class=\"_ _5\"></span>ering, markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y3045 ff2ce fs55 fc21 sc0 lsaf wsf6\">risiko, fors<span class=\"_ _5\"></span>ikringsrisiko og operasjonell risik<span class=\"_ _5\"></span>o. Styret fastsetter \u00e5rlige rammer for finansiel<span class=\"_ _5\"></span>l risiko og forsikringsrisiko<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">i t<span class=\"_ _5\"></span>illegg ti<span class=\"_ _5\"></span>l rammene for </span></div><div class=\"t m2 x248 hcf y3046 ff2ce fs55 fc21 sc0 lsbe ws10b\">ris<span class=\"_ _5\"></span>iko<span class=\"_ _5\"></span><span class=\"lsaf wsf6\">appetitt. Rammene f\u00f8lges opp l\u00f8pende.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y3047 ff2ce fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y3048 ff2ce fs55 fc21 sc0 lsaf wsf6\">DNB Livsforsikri<span class=\"_ _5\"></span>ng har inng\u00e5tt gjenforsikringsavtal<span class=\"_ _5\"></span>er som beskytter mot risiko for d\u00f8d og uf\u00f8rhet dersom katastrofelignende hendelser i<span class=\"_ _5\"></span>nntreffer.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y3049 ff2ce fs55 fc21 sc0 lsaf wsf6\">I tillegg vurderes avkastni<span class=\"_ _5\"></span>ngen p\u00e5 selskapets investeringer l\u00f8pende.<span class=\"_ _5\"></span> Dette omfatter vurderinger knytt<span class=\"_ _5\"></span>et til realisasjon av investeringer f<span class=\"_ _5\"></span>or <span class=\"_ _1\"></span>\u00e5 opp<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y304a ff2ce fs55 fc21 sc0 lsaf wscf\">n\u00e5 <span class=\"lsbd ws117\">ti<span class=\"_ _5\"></span>ls<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rek<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>eli<span class=\"_ _5\"></span>g av<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>ast<span class=\"_ _5\"></span>n<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>g fo<span class=\"_ _5\"></span>r \u00e5 opp<span class=\"_ _5\"></span>f<span class=\"_ _5\"></span>yl<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>e </span><span class=\"wsf6\">den \u00e5rlige garanterte <span class=\"lsbf ws107\">avka<span class=\"_ _1\"></span>stni<span class=\"_ _1\"></span>ng<span class=\"lsaf wsd2\">, samt avs<span class=\"_ _5\"></span>etning<span class=\"ls0 ws0\"> <span class=\"lsc4 ws115\">til<span class=\"lsbd ws117\">/<span class=\"_ _5\"></span>b<span class=\"_ _5\"></span>ruk<span class=\"_ _5\"></span> av </span></span></span><span class=\"wscf\">til<span class=\"_ _5\"></span>leggsavsetninger<span class=\"ls0 ws0\">. </span></span></span></span></span></div><div class=\"t m2 x248 hcf y304b ff2ce fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y304c ff2cf fs5a fc21 sc0 lsba ws101\">Forsikri<span class=\"_ _1\"></span>ngsforpliktelser<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y304d ff2ce fs55 fc21 sc0 lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>forpliktelsene for den generelle m\u00e5l<span class=\"_ _5\"></span>emodellen (General Measurement Model, GMM) og \u00abvariable fee\u00bb<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">t<span class=\"_ _5\"></span>iln\u00e6rmingen (Variabl<span class=\"_ _5\"></span>e Fee </span></div><div class=\"t m2 x248 hcf y304e ff2ce fs55 fc21 sc0 lsaf wsf6\">Approach, VFA) estimeres bas<span class=\"_ _5\"></span>ert p\u00e5 kontantstr\u00f8mmen for oppfyllelse av forpliktelsen, med til<span class=\"_ _5\"></span>legg av kontraktsregulert tje<span class=\"wscf\">nestem<span class=\"_ _5\"></span>arginen </span></div><div class=\"t m2 x248 hcf y304f ff2ce fs55 fc21 sc0 lsaf wsd2\">(Contractual<span class=\"_ _5\"></span> Service Margi<span class=\"_ _5\"></span>n, CSM). <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2a6b ff2ce fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y3050 ff2ce fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor viser f<span class=\"_ _5\"></span>orsikringsforpliktels<span class=\"_ _5\"></span>ene for hver m\u00e5lemetode.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y3051 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs204\"><table class=\"s w3ca h51e\" id=\"_bdf21aac-ac6f-423b-8f09-ccd0edea29d9\"><tr><td class=\"c x3fc y4448 w1fa hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24 <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4449 w1fa hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Variabl<span class=\"_ _5\"></span>e fee<span class=\"ls0 ws0\">-</span><span class=\"wsd0\">til<span class=\"_ _5\"></span>n\u00e6rm<span class=\"_ _5\"></span>ing (VFA<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x52b y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>940<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>860<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y444a w1fa hde\"><div class=\"t m2 x19f hcc y20f0 ff2ce fs53 fc21 sc0 lsab wscd\">Generel<span class=\"_ _5\"></span>l m\u00e5lem<span class=\"_ _5\"></span>odell <span class=\"_ _5\"></span>(GMM<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">458</span> </div></td><td class=\"c x52c y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">462</span> </div></td></tr><tr><td class=\"c x3fc y444b w1fa hda\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscd\">Premiefo<span class=\"_ _5\"></span>rdelin<span class=\"_ _5\"></span>gsmeto<span class=\"_ _5\"></span>den (PA<span class=\"_ _5\"></span>A) <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x52c y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">555</span> </div></td></tr><tr><td class=\"c x3fc y444c w1fa hd9\"><div class=\"t m2 x19f hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscd\">Totale f<span class=\"_ _5\"></span>orsikr<span class=\"_ _5\"></span>ingsf<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>236<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>877<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h1e4 gs203\"><div class=\"t m2 x248 hcf y3055 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y3056 ff2ce fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor viser bev<span class=\"_ _5\"></span>egelsene i forsikringsforpliktels<span class=\"_ _5\"></span>ene analysert ved bruk av m\u00e5lekomponenter, og inkluderer kontrakt<span class=\"_ _5\"></span>er m\u00e5lt i henhold </div><div class=\"t m2 x248 hcf y3057 ff2ce fs55 fc21 sc0 lsaf wsf6\">til GMM og VFA. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y3058 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs205\"><table class=\"s w3cb h51f\" id=\"_8299e098-3474-4e90-9f4b-4f67537a4f60\"><tr><td></td><td></td><td class=\"c x52d y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y444e w1fc hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y444e w1fd hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x52e y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4450 w1ff hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4450 w200 hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4451 w1fb hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4451 w1ff hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4451 w1fe hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4451 w200 hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4451 w1ff hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4453 w1fb h285\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 1. jan<span class=\"_ _5\"></span>uar<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4453 w1ff h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x531 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4453 w200 h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">999</span> </div></td><td class=\"c x533 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>510<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4453 w1ff h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">192<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305e ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r n\u00e5v\u00e6<span class=\"_ _5\"></span>rende <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4454 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">tjenest<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4454 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4454 w1ff h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">256</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x532 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y4454 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4454 w200 h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(212)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">093</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x534 y4454 w1ff h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">319</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3060 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4455 w1fb h129\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">l\u00f8nnsom<span class=\"_ _5\"></span>me</span><span class=\"lsab wscb\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x52d y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(310)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4455 w1ff h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">279<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(241)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4455 w200 h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3062 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4456 w1fb h127\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">tapsbri<span class=\"_ _5\"></span>ngend<span class=\"_ _5\"></span>e</span> </div></td><td class=\"c x52d y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4456 w1ff h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4456 w1fe h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">155<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4456 w200 h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x534 y4456 w1ff h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3063 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4457 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> juster<span class=\"_ _5\"></span>er CS<span class=\"_ _5\"></span>M</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4457 w1fe h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(656)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4457 w1ff h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4457 w1fe h128\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">615<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4457 w1fe h128\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">881</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x530 y4457 w200 h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(262)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4457 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">143</span> </div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3065 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4458 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> ikke j<span class=\"_ _5\"></span>uster<span class=\"_ _5\"></span>er CSM<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4458 w1ff h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(45)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4458 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4458 w200 h127\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 </div></td><td></td><td class=\"c x534 y4458 w1ff h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3067 ff2ce fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4459 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa7\"></span><span class=\"lsa7\">eller </span><span class=\"ws0\">-<span class=\"lsab wscb\">kostna<span class=\"_ _5\"></span>der</span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">997</span> </div></td><td></td><td class=\"c x531 y4459 w1fe h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4459 w1fe h128\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>008<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">376</span> </div></td><td></td><td class=\"c x533 y4459 w1fe h128\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x534 y4459 w1ff h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">384</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y2a88 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445a w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wsd0\">motta<span class=\"_ _5\"></span>tte premi<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td></td><td></td><td class=\"c x532 y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td class=\"c x52e y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td><td></td><td></td><td class=\"c x534 y445a w1ff h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3069 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra k<span class=\"_ _5\"></span>rav og<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x536 y445b w3cc h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff2ce fs53 fc21 sc0 lsab wscd\">andre ko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span>er bet<span class=\"_ _5\"></span>alt</div><div class=\"t m2 x535 h121 y3e5e ff2ce fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x52d y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x532 y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x534 y445c w1ff h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y306c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445d w1fb h286\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>538<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y445d w1ff h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">423</span> </div></td><td class=\"c x531 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">185<span class=\"ls0 ws0\"> </span>398<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y445d w200 h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x533 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y445d w1ff h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4460 w3cd h520\"><div class=\"t m2 x3f4 h183 y445e ff2d0 fs55 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y437f ff2ce fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4380 ff2ce fs55 fc21 sc0 lsaf wsf6\">Estimatet for n\u00e5verdien av f<span class=\"_ _5\"></span>ramtidige inng\u00e5ende kontantstr\u00f8mmer f<span class=\"_ _5\"></span>or tapsbringende kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc5 ws130\">var </span></span><span class=\"wscf\">239<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">321<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner<span class=\"_ _1\"></span> i </span></span></div><div class=\"t m2 x3f4 hcf y445f ff2ce fs55 fc21 sc0 lsaf wscf\">202<span class=\"ls0 ws0\">4</span><span class=\"wsf6\">), mens det for krav og andre kostnader for forsikringst<span class=\"_ _5\"></span>jenester var </span>309<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner kroner (</span>476<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner i 20<span class=\"_ _1\"></span>2<span class=\"ls0 ws0\">4<span class=\"lsaf wsd2\">). Estimat<span class=\"_ _5\"></span>et for n\u00e5verdien av<span class=\"_ _5\"></span> </span></span></span></div><div class=\"t m2 x3f4 hcf y3fb5 ff2ce fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>dige inng\u00e5ende kontantstr\u00f8mmer for l\u00f8nnsomme kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc1 wsce\">var </span></span><span class=\"wscf\">929<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">64</span>7 millioner i 202<span class=\"ls0 ws0\">4</span>), mens det for krav og </div><div class=\"t m2 x3f4 hcf y3fb6 ff2ce fs55 fc21 sc0 lsaf wsd2\">andre kost<span class=\"_ _5\"></span>nader for fors<span class=\"_ _5\"></span>ikringstjenester v<span class=\"_ _5\"></span>ar <span class=\"wscf\">619<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">mil<span class=\"_ _5\"></span>lioner kroner (4</span>06<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner i 202<span class=\"ls0 ws0\">4<span class=\"lsc4 ws118\">).    </span> </span></span></span></div></td><td class=\"c x537 y4462 w3ce h4b2\"><div class=\"t m2 x3f4 h183 y4461 ff2d0 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hvor<span class=\"_ _5\"></span>av 12 <span class=\"_ _5\"></span><span class=\"wscb\">21</span>6 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kroner<span class=\"_ _5\"></span> er inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>ngsk<span class=\"_ _5\"></span>ompone<span class=\"_ _5\"></span>nt (</span><span class=\"lsab wscd\">1</span>2 10<span class=\"_ _5\"></span>6 <span class=\"lsa7 wsd1\">millioner i 202</span>4). </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div><div class=\"gs206\"><table class=\"s w3cf h521\" id=\"_0bfce16d-8d53-4e1c-8573-47d905f3a7f2\"><tr><td class=\"c x539 y4466 w3d0 h522\"><div class=\"t m2 x538 hd8 y3e62 ff2d0 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent</div><div class=\"t m2 x3f4 he2 y4463 ff2ce fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4464 ff2ce fs55 fc21 sc0 lsaf wsf6\">3,7 prosent per 31.desember 202<span class=\"ls0 ws0\">4. </span></div><div class=\"t m2 x3f4 hcf y4465 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x53a y412c wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412c wdf hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412c wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">10 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412c wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">15 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x539 y4469 w3d1 h523\"><div class=\"t m2 x53d hcc y3e5d ff2ce fs53 fc21 sc0 lsab wsd0\">20 \u00e5r<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y4467 ff2ce fs55 fc21 sc0 lsaf wsf6\">Tabellene nedenfor angir rent<span class=\"_ _5\"></span>ekurvene som brukes til \u00e5 diskontere kontantstr\u00f8mmene til forsikri<span class=\"_ _5\"></span>ngskontrakter. Terminrenten ko<span class=\"wsd2\">nv<span class=\"_ _5\"></span>ergerer mot </span></div><div class=\"t m2 x3f4 hcf y4468 ff2ce fs55 fc21 sc0 lsaf wsf6\">den ultimate terminrent<span class=\"_ _5\"></span>en (Ultimate Forward Rate, UFR) fra siste likvide punkt p\u00e5 10 \u00e5r til <span class=\"ls0 ws0\">4</span>0 \u00e5r. UFR var <span class=\"wscf\">3,7<span class=\"ls0 ws0\"> </span></span>prosent per 31.<span class=\"ls0 ws0\"> </span>desember 202<span class=\"ls0 ws0\">5 </span><span class=\"wscf\">og </span></div></td></tr><tr><td class=\"c x3fc y446a we1 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y446a wdf hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y412d we1 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412d wdf hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h288 gs208\"><div class=\"t m2 x20e hcf y310c ff2d9 fs55 fc21 sc0 lsaf wsf6\">Endringene som gjelder framtidi<span class=\"_ _5\"></span>ge tjenester som justerer CSM, var i 2025<span class=\"ls0 ws0\"> </span>og 2024 hovedsakelig drevet av renteendringene i perioden. H\u00f8y<span class=\"_ _5\"></span>ere </div><div class=\"t m2 x20e hcf y310d ff2d9 fs55 fc21 sc0 lsaf wsf6\">renter reduserer den estim<span class=\"_ _5\"></span>erte n\u00e5verdien av framtidige kontantstr\u00f8mmer og \u00f8ker CSM under VFA, som er den dominerende m\u00e5lemeto<span class=\"wsd2\">den.   <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y310e ff2d9 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y310f ff2d9 fs55 fc21 sc0 lsaf wsf6\">Ved utgangen av 202<span class=\"ls0 ws0\">5 </span>besto CSM av 13 <span class=\"wscf\">325<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakter hvor det ble benyttet virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen p\u00e5 overgangs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y3110 ff2d9 fs55 fc21 sc0 lsaf wsf6\">tidspunkt<span class=\"_ _5\"></span>et (1<span class=\"ls0 ws0\">3 </span><span class=\"wscf\">748<span class=\"ls0 ws0\"> </span></span>millioner per utgangen av 202<span class=\"ls0 ws0\">4</span>) og <span class=\"wscf\">111 <span class=\"wsd2\">millioner for <span class=\"_ _5\"></span>\u00f8vrige kontrakter <span class=\"_ _5\"></span>(</span>40<span class=\"ls0 ws0\"> </span></span>milli<span class=\"_ _5\"></span>oner per utgangen av 202<span class=\"ls0 ws0\">4<span class=\"lsc1 ws120\">). For kon<span class=\"_ _5\"></span>trakter </span> </span></div><div class=\"t m2 x20e hcf y3111 ff2d9 fs55 fc21 sc0 lsaf wsf6\">hvor virkeli<span class=\"_ _5\"></span>g verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen ble benyttet p\u00e5 overgangsti<span class=\"_ _5\"></span>dspunktet, var endringen i n\u00e5v\u00e6rende tjeneste for CSM 1 086<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">milli<span class=\"_ _5\"></span>oner kroner <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3112 ff2d9 fs55 fc21 sc0 ls0 ws0\">(<span class=\"lsaf wscf\">927</span> <span class=\"lsb9 wsff\">milli<span class=\"lsaf wsf6\">oner i 202</span></span>4<span class=\"lsaf wsf6\">), og endringen i framtidig tjeneste for CSM var <span class=\"wscf\">663</span></span> <span class=\"lsb9 wsff\">millioner<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> <span class=\"lsaf wscf\">kroner</span> <span class=\"lsaf wscf\">(negativ</span> <span class=\"lsaf wscf\">med <span class=\"wsf6\">4 172</span></span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>illioner i 202</span>4<span class=\"lsc1 wsce\">). </span> </span></span></div><div class=\"t m2 x20e he2 y3113 ff2d9 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3114 ff2d9 fs55 fc21 sc0 lsaf wsf6\">F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser n\u00e5r gjenv\u00e6rende CSM forventes resultatf\u00f8rt: <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3115 ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs209\"><table class=\"s w3d2 h524\" id=\"_12afac32-c682-4bc0-9d1f-a2da342f2e9c\"><tr><td></td><td class=\"c x53e y446b wde hd7\"><div class=\"t m2 x267 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">1 \u00e5r ell<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x53f y446b wdd hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Mer enn<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y3fd0 w15c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">under<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">2-<span class=\"lsab wscd\">3 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x540 y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">4-<span class=\"lsab wscd\">5 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x53c y3fd0 wdc hd7\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6-<span class=\"lsa9 ws87\">10 \u00e5r</span><span class=\"lsa9 ws87\"><span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x53f y3fd0 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wsd0\">10 \u00e5r</span> </div></td><td class=\"c x541 y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3fd1 w15c hd9\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Frigivels<span class=\"_ _5\"></span>e av<span class=\"_ _5\"></span> CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd1 wde hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">080</span> </div></td><td class=\"c x53a y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">956</span> </div></td><td class=\"c x540 y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x53c y3fd1 wdc hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">360</span> </div></td><td class=\"c x53f y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">315</span> </div></td><td class=\"c x541 y3fd1 wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h288 gs208\"><div class=\"t m2 x20e hcf y3119 ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y311a ff2d9 fs55 fc21 sc0 lsaf wsf6\">Gjennomsnitt<span class=\"_ _5\"></span>lig durasjon p\u00e5 kontraktene var 1<span class=\"ls0 ws0\">0,</span><span class=\"wscf\">78<span class=\"ls0 ws0\"> </span></span>\u00e5r ved utgangen av desember 202<span class=\"ls0 ws0\">5<span class=\"lsc4 ws115\">. </span> </span></div><div class=\"t m2 x20e he2 y311b ff2d9 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y311c ff2d9 fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor angi<span class=\"_ _5\"></span>r sammensetningen av bokf\u00f8rt verdi av eiendelene i konsernet som holdes i forbindelse med VFA og andre </div><div class=\"t m2 x20e hcf y311d ff2d9 fs55 fc21 sc0 lsaf wsf6\">forsikringsk<span class=\"_ _5\"></span>ontrakter, og som i hovedsak m\u00e5les til virkelig verdi. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y311e ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs20a\"><table class=\"s w3d3 h525\" id=\"_5938fac2-f85e-4325-a9bd-f3a688463f84\"><tr><td></td><td></td><td class=\"c x4a3 y446c w1bb hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446d w1fe h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x53c y446c w20f hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446d w210 h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446e w20d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446e w200 hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446e w210 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446e w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446e w1fe hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446e w1fe hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446e w210 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446f w20d hdd\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446f w200 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">134<span class=\"ls0 ws0\"> </span>414<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446f w210 hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">288</span> </div></td><td class=\"c x542 y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>703<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">132<span class=\"ls0 ws0\"> </span>378<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446f w1fe hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">571</span> </div></td><td class=\"c x52c y446f w210 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">138<span class=\"ls0 ws0\"> </span>949<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4470 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4a3 y4470 w200 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>182<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4470 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">878</span> </div></td><td class=\"c x542 y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>060<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>898<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4470 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td><td class=\"c x52c y4470 w210 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>572<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4471 w20d hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4471 w200 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">162</span> </div></td><td class=\"c x543 y4471 w210 hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">363<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">525</span> </div></td><td class=\"c x53c y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x52b y4471 w1fe hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4471 w210 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">660</span> </div></td></tr><tr><td class=\"c x3fc y4472 w211 hda\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>(eierben<span class=\"_ _5\"></span>ytte<span class=\"_ _5\"></span>t eien<span class=\"_ _5\"></span>dom)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4472 w200 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">783</span> </div></td><td class=\"c x543 y4472 w210 hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">408<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">191</span> </div></td><td class=\"c x53c y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x52b y4472 w1fe hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">201<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4472 w210 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">872</span> </div></td></tr><tr><td class=\"c x3fc y4473 w211 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2d9 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4473 w200 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td></td><td class=\"c x542 y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td class=\"c x53c y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td><td></td><td class=\"c x52c y4473 w210 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td></tr><tr><td class=\"c x3fc y4474 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4474 w200 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">089</span> </div></td><td class=\"c x543 y4474 w210 hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">278</span> </div></td><td class=\"c x53c y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x52b y4474 w1fe hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">208<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4474 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">887</span> </div></td></tr><tr><td class=\"c x3fc y4475 w20d hd9\"><div class=\"t m2 x19f hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscd\">Sum ei<span class=\"_ _5\"></span>endeler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4475 w200 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">169<span class=\"ls0 ws0\"> </span>329<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4475 w210 hd9\"><div class=\"t m2 x19b hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>126<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>455<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>341<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4475 w1fe hd9\"><div class=\"t m2 x209 hdc y1dae ff2d8 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">916</span> </div></td><td class=\"c x52c y4475 w210 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>257<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h288 gs208\"><div class=\"t m2 x20e hcf y3126 ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y3127 ff2d8 fs5a fc21 sc0 lsba ws105\">Netto forsi<span class=\"_ _1\"></span>kringsresultat<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3128 ff2d9 fs55 fc21 sc0 lsaf wsf6\">Tabellen nedenfor angi<span class=\"_ _5\"></span>r de viktigste postene under Netto forsikringsresultatet<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3129 ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs20b\"><table class=\"s w3d4 h526\" id=\"_e8d2bf56-1c43-4a03-b14f-03660dd0ac75\"><tr><td class=\"c x3fc y4476 w212 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4476 wdd hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4476 wde hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4477 w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4477 wdd hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">731</span> </div></td><td class=\"c x544 y4477 wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">286</span> </div></td></tr><tr><td class=\"c x3fc y4478 w212 hda\"><div class=\"t m2 x163 hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kontrakts<span class=\"_ _5\"></span>regul<span class=\"_ _5\"></span>ert tj<span class=\"_ _5\"></span>enestem<span class=\"_ _5\"></span>argin f<span class=\"_ _5\"></span>or utf<span class=\"_ _5\"></span>\u00f8rt tje<span class=\"_ _5\"></span>neste<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4478 wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">256</span> </div></td><td class=\"c x544 y4478 wde hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3fc y4479 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Risikojus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng for utl<span class=\"_ _5\"></span>\u00f8pt ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4479 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">190<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4479 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">207<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447a w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Forvente<span class=\"_ _5\"></span>de kra<span class=\"_ _5\"></span>v og a<span class=\"_ _5\"></span>ndre k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447a wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">090</span> </div></td><td class=\"c x544 y447a wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">039</span> </div></td></tr><tr><td class=\"c x3fc y447b w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra ko<span class=\"_ _5\"></span>ntrakte<span class=\"_ _5\"></span>r m\u00e5lt<span class=\"_ _5\"></span> i he<span class=\"_ _5\"></span>nhold ti<span class=\"_ _5\"></span>l PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447b wdd hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x544 y447b wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">947</span> </div></td></tr><tr><td class=\"c x3fc y447c w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kostnad<span class=\"_ _5\"></span>er for <span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngstj<span class=\"_ _5\"></span>enest<span class=\"_ _5\"></span>er, inkl. <span class=\"_ _5\"></span>drifts<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">056</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y447c wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">192</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y447d w212 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Netto inn<span class=\"_ _5\"></span>tekter<span class=\"_ _5\"></span>/kost<span class=\"_ _5\"></span>nader f<span class=\"_ _5\"></span>ra gje<span class=\"_ _5\"></span>nforsikr<span class=\"_ _5\"></span>ingsk<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter gje<span class=\"_ _5\"></span>nnom pe<span class=\"_ _5\"></span>riode<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447d wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447d wde hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">97<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447e w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Result<span class=\"_ _5\"></span>at fra forsikr<span class=\"_ _5\"></span>ingstj<span class=\"_ _5\"></span>enes<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447e wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">580</span> </div></td><td class=\"c x544 y447e wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">191</span> </div></td></tr><tr><td class=\"c x3fc y447f w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er fra u<span class=\"_ _5\"></span>nderlig<span class=\"_ _5\"></span>gend<span class=\"_ _5\"></span>e eie<span class=\"_ _5\"></span>ndeler <span class=\"_ _5\"></span>eller g<span class=\"_ _5\"></span>ruppe av<span class=\"_ _5\"></span> eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r, m\u00e5l<span class=\"_ _5\"></span>t til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447f wdd hd9\"><div class=\"t m2 x19b hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>265<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447f wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td></tr><tr><td class=\"c x3fc y4480 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter el<span class=\"_ _5\"></span>ler <span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">kostnad<span class=\"_ _1\"></span>er</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\"><span class=\"ls0 ws0\"> </span></span></span></div></td><td class=\"c x47f y4480 wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">140</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4480 wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">457</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4481 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5l\u00f8pt<span class=\"_ _5\"></span> p\u00e5 forsi<span class=\"_ _5\"></span>kring<span class=\"_ _5\"></span>savtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4481 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">554</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4481 wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">990</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4482 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved G<span class=\"_ _5\"></span>MM ell<span class=\"_ _5\"></span>er PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4482 wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">(209)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4482 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">195<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4483 w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved V<span class=\"_ _5\"></span>FA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4483 wdd hde\"><div class=\"t m2 x329 hcc y2401 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">377</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4483 wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">338</span> </div></td></tr><tr><td class=\"c x3fc y4484 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle gjen<span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er eller <span class=\"ls0 ws0\">-</span><span class=\"wscb\">kostn<span class=\"_ _5\"></span>ader</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x544 y4484 wde hda\"><div class=\"t m2 x246 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x3fc y4485 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscd\">Finansr<span class=\"_ _5\"></span>esulta<span class=\"_ _5\"></span>t, livs<span class=\"_ _5\"></span>forsikr<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4485 wdd hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4485 wde hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">230<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4486 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Netto fors<span class=\"_ _5\"></span>ikring<span class=\"_ _5\"></span>sresul<span class=\"_ _5\"></span>tat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4486 wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">705</span> </div></td><td class=\"c x544 y4486 wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td></tr></table></div><div class=\"c w73 h288 gs208\"><div class=\"t m2 x20e hcf y312e ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y312f ff2d9 fs55 fc21 sc0 lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntektene i 202<span class=\"ls0 ws0\">5 </span>besto av 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">148<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakt<span class=\"_ _5\"></span>er hvor det ble benyttet virkelig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rming p\u00e5 overgangs<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y3130 ff2d9 fs55 fc21 sc0 lsaf wsf6\">tidspunkt<span class=\"_ _5\"></span>et og 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">583<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">millioner for \u00f8vri<span class=\"_ _5\"></span>ge kontrakter.</span></span><span class=\"wscf\"><span class=\"wsd2\"><span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x20e hcf y3131 ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3132 ff2d9 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xfa h12e y3133 ff2d8 fs5a fc21 sc0 ls0 ws0\"> </div></div>S<span class=\"lsc0 ws109\">ensitivit<span class=\"_ _5\"></span>eter</span> Hver sensitivit<span class=\"_ _5\"></span>et er basert p\u00e5 en endring i den a<span class=\"_ _1\"></span>kt<span class=\"_ _5\"></span>uelle parameter eller forutsetning mens alle andre forutsetninger holdes k<span class=\"_ _5\"></span>onstant. I praksis er det lite sannsynli<span class=\"_ _5\"></span>g at dette vil skje, og endringer i forutsetninger forventes \u00e5 v\u00e6re korrelert.<span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Aksjer: Vi<span class=\"_ _5\"></span>rkelig verdi av aksjer reduseres med 25 prosent. <span class=\"wsd2\">Se under Inv<span class=\"_ _5\"></span>esteringseiendommer.</span></span> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendommer: Virkeli<span class=\"_ _5\"></span>g <span class=\"_ _1\"></span>verdi av al<span class=\"_ _5\"></span>le investeringseiendommer reduseres med 10 prosent.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Inkluderer effekt p\u00e5 investerings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>eiendommer presentert<span class=\"_ _5\"></span> som aksjer i balansen, hvor underliggende eiendeler er investeri<span class=\"_ _5\"></span>ngseiendommer. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Rente: Rentekurv<span class=\"_ _5\"></span>en har en parallell opp</span>- <span class=\"lsaf wsf6\">eller nedjustering p\u00e5 50 basispunkter de f\u00f8rste <span class=\"lsbc ws103\">ti</span></span> <span class=\"lsaf wsf6\">\u00e5rene, som representerer den likvide delen av </span></span>kurven. Etter <span class=\"lsbc ws103\">ti<span class=\"ls0 ws0\"> </span></span>\u00e5r er kurven ekstrapolert mot den ultimate terminrenten (UFR). I<span class=\"_ _5\"></span>nkluderer ogs\u00e5 effekt p\u00e5 renteinstrument<span class=\"_ _5\"></span>er. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Margin: Kredit<span class=\"_ _5\"></span>tspreadene \u00f8kes med 50 basispunkter. Diskonteri<span class=\"_ _5\"></span>ngskurvens likviditets<span class=\"_ _5\"></span>premie \u00f8kes med 15 basispunkter.</span> <span class=\"lsaf wsf6\">Ink<span class=\"_ _5\"></span>luderer ogs\u00e5 </span></span>effekt p\u00e5 renteinst<span class=\"_ _5\"></span>rumenter. <span class=\"ls0 ws0\">  </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">D\u00f8delighet <span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">10 prosent: Niv\u00e5et p\u00e5 det beste estimatet for d\u00f8delighet reduseres med 10 prosent, noe som reduserer d\u00f8deli<span class=\"_ _5\"></span>ghetsintensiteten </span></span>for alle \u00e5rene i prognosen. Trenden holdes uendret. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Uf\u00f8rhet +10 prosent og reaktiveri<span class=\"_ _5\"></span>ng </span>-<span class=\"lsaf wsf6\">10 prosent: Beste estimat for uf\u00f8rhet \u00f8kes med 10 prosent for alle \u00e5rene prognosen dekker, mens </span></span>reaktiveringen redus<span class=\"_ _5\"></span>eres med 10 prosent.<span class=\"ls0 ws0\"> </span>Tabellene nedenfor gir i<span class=\"_ _5\"></span>nformasjon om hvordan endringer som er rimelig mulig i forutsetninger om finansiel<span class=\"_ _5\"></span>l risiko og variabl<span class=\"lsc4 ws0\">er<span class=\"_ _5\"></span> knytt<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il </span><span class=\"wscf\">for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>sikrings<span class=\"lsbe ws10b\">r<span class=\"_ _5\"></span>isik<span class=\"_ _5\"></span>o<span class=\"ls0 ws0\">, </span></span><span class=\"wsf6\">p\u00e5vi<span class=\"_ _5\"></span>rker CSM og resultatet. Alle endringer er basert p\u00e5 DNBs eiendeler og gjeld <span class=\"wsd2\">knyttet ti<span class=\"_ _5\"></span>l forsikri<span class=\"_ _5\"></span>ngskontrakter </span>per 31. desember </span>2025. Effektene som vises nedenfor inkluderer den est<span class=\"_ _5\"></span>imerte \u00e5rlige frigivelsen av CSM. <span class=\"ls0 ws0\"> </span><table class=\"s w3d5 h527\" id=\"_54e6c5d4-f699-424c-8097-b87b014500f0\"><tr><td></td><td></td><td></td><td class=\"c x4a6 y4487 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff2db fs53 fc21 sc0 lsab wsd0\">Effekt p\u00e5 ne<span class=\"_ _5\"></span>tto <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x545 y4488 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 lsaa wscd\">Effekt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4488 w6f hd7\"><div class=\"t m2 x4f hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">forsik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span></div></td></tr><tr><td class=\"c x3fc y4489 w213 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2de fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4489 w6e hd7\"><div class=\"t m2 x1b9 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Endring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4489 w6e hd7\"><div class=\"t m2 x247 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">p\u00e5 CSM<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4489 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448a w213 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x546 y448a w6e hd9\"><div class=\"t m2 x20c hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">25 %</span> </div></td><td class=\"c x545 y448a w6e hd9\"><div class=\"t m2 x19e hcc y1dc1 ff2db fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">158</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y448a w6f hd9\"><div class=\"t m2 x1b8 hcc y1dc1 ff2db fs53 fc21 sc0 lsab wscb\">(188)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448b w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448b w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448b w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(347)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448b w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448c w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448c w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448c w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">721</span> </div></td><td class=\"c x4a6 y448c w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">106</span> </div></td></tr><tr><td class=\"c x3fc y448d w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448d w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">50bp</span> </div></td><td class=\"c x545 y448d w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(950)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448d w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(125)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448e w213 hde\"><div class=\"t m2 x19f hcc y1da9 ff2db fs53 fc21 sc0 lsab wsd0\">Spread risi<span class=\"_ _5\"></span>ko<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448e w6e hde\"><div class=\"t m2 x20e hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448e w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448e w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff2db fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448f w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">D\u00f8deligh<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448f w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448f w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(937)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448f w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4490 w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Uf\u00f8rhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4490 w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">+10 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4490 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(181)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4490 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(224)<span class=\"ls0 ws0\"> </span></div></td></tr></table>Solvenskap<span class=\"_ _5\"></span>ital Regulatorisk<span class=\"_ _5\"></span>e kapitalkrav for europeiske forsik<span class=\"_ _5\"></span>ringsselskaper er fastsatt i Solvens II<span class=\"ls0 ws0\">-</span><span class=\"wscf\">direktivet<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Solvensk<span class=\"_ _5\"></span>apitalkravet er satt slik at det er 99,5 prosent sannsynlighet for at samlede tap, herunder forsik<span class=\"_ _5\"></span>ringstap og finansielle tap, over en periode p\u00e5 12 m\u00e5neder ikke overstiger det beregnede kapit<span class=\"_ _5\"></span>alkravet. Beregningene tar hensyn til risikoreduserende <span class=\"wsd2\">t<span class=\"_ _5\"></span>iltak og sys<span class=\"_ _5\"></span>temer. </span>Minstekravet er s<span class=\"_ _5\"></span>att slik at det er 8<span class=\"_ _1\"></span>5 prosent sannsy<span class=\"_ _5\"></span>nlighet for at samlede tap over en periode p\u00e5 12 m\u00e5neder ikke overstiger<span class=\"ls0 ws0\"> </span>det beregnede kapitalkrav<span class=\"_ _5\"></span>et. Regelverket \u00e5pner for bruk av overgangsregler ved beregning av solvenskapit<span class=\"_ _5\"></span>al. I desember 2015 fikk DNB Livsforsikring tillatelse av Finanstilsy<span class=\"_ _5\"></span>net til \u00e5 benytte overgangsreglene for forsikringsmessige avset<span class=\"_ _5\"></span>ninger. Dette gir selskapet anledning til \u00e5 anvende bokf\u00f8rt<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span>forsikringsm<span class=\"_ _5\"></span>essige avsetninger i stedet for markedsverdi av forplik<span class=\"_ _5\"></span>telsene. Overgangsregl<span class=\"_ _5\"></span>ene gjelder i 16 \u00e5r, og reduseres line\u00e6rt fra 1. januar 2017. <span class=\"ls0 ws0\"> </span>Per 31. desember 2025 hadde DNB Livsforsik<span class=\"_ _5\"></span>ring en solvensmargin p\u00e5 261 prosent (f\u00f8r og etter overgangsregler)<span class=\"_ _1c5\"> </span>.<div class=\"gs123\"><table class=\"s w3d7 h529\" id=\"_2bf0da3e-2bc2-44db-9eb7-4c17374901e3\"><tr><td class=\"c x3fc y449b w98 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449c w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449d w98 hd9\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449e w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Aksjeka<span class=\"_ _5\"></span>pital<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td><td class=\"c x4a6 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td></tr><tr><td class=\"c x3fc y449f w98 hda\"><div class=\"t m2 x163 hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Overkur<span class=\"_ _5\"></span>sfond<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td><td class=\"c x4a6 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td></tr><tr><td class=\"c x3fc y44a0 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td><td class=\"c x4a6 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x548 y44a1 w3d8 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2e7 fs53 fc21 sc0 lsab wscb\">Avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve</div><div class=\"t m2 x547 h121 y3ebb ff2e7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4a5 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>240<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>734<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a3 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>397<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>891<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a4 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44a5 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x4a6 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x3fc y44a6 w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Risikoutj<span class=\"_ _5\"></span>evni<span class=\"_ _5\"></span>ngsfo<span class=\"_ _5\"></span>nd<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">472</span> </div></td></tr><tr><td class=\"c x3fc y44a7 w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>begrens<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a6 y44a7 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">(404)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a8 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">567</span> </div></td></tr><tr><td class=\"c x3fc y44a9 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44aa w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsaa ws0\">Utsatt ska<span class=\"_ _5\"></span>tt<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ab w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ac w98 hdd\"><div class=\"t m2 x19f hdc y1dc1 ff2e6 fs53 fc21 sc0 lsa9 ws87\">Sum so<span class=\"_ _1\"></span>lven<span class=\"_ _1\"></span>skapit<span class=\"_ _1\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44ad w98 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wsd0\">Sum solven<span class=\"_ _5\"></span>skapi<span class=\"_ _5\"></span>tal uten over<span class=\"_ _5\"></span>gangsr<span class=\"_ _5\"></span>egler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h1e4 gs20d\"><div class=\"t m2 x20e he2 y3163 ff2e7 fs56 fc21 sc0 ls0 ws10f\">  <span class=\"ws0\"> </span></div><div class=\"t m2 x20e hd8 y3164 ff2e8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Opptj<span class=\"_ _5\"></span>ent e<span class=\"_ _5\"></span>genka<span class=\"_ _5\"></span>pital i<span class=\"_ _5\"></span>nng\u00e5r i a<span class=\"_ _5\"></span>vstemm<span class=\"_ _5\"></span>ingsres<span class=\"_ _5\"></span>erven.<span class=\"_ _5\"></span> I tille<span class=\"_ _5\"></span>gg vi<span class=\"_ _5\"></span>l end<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> kap<span class=\"_ _5\"></span>ital som f<span class=\"_ _5\"></span>\u00f8lge <span class=\"_ _5\"></span>av over<span class=\"_ _5\"></span>gang<span class=\"_ _5\"></span>en til m<span class=\"_ _5\"></span>arked<span class=\"_ _5\"></span>sverdier fo<span class=\"_ _5\"></span>r eien<span class=\"_ _5\"></span>deler <span class=\"_ _5\"></span>og for<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser v<span class=\"_ _5\"></span>\u00e6re </span></div><div class=\"t m2 x134 hd8 y3165 ff2e8 fs53 fc21 sc0 lsab wsd0\">en del av avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve<span class=\"_ _5\"></span>n.<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x63 h289 y3166 ff2e9 fs5 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3167 ff2e7 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs20e\"><table class=\"s w3d6 h528\" id=\"_d1f8504c-c3b2-454d-807b-c6cc7cd54532\"><tr><td class=\"c x3fc y4491 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"_ _5\"></span>krav<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y4492 w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4493 w98 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span><span class=\"wscd\">og mo<span class=\"_ _5\"></span>tparts<span class=\"_ _5\"></span>risiko</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4494 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">Forsikringsrisiko<span class=\"_ _5\"></span> </div></td><td class=\"c x4a5 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>666<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4495 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Operasj<span class=\"_ _5\"></span>onell ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">031</span> </div></td><td class=\"c x4a6 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">025</span> </div></td></tr><tr><td class=\"c x3fc y4496 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Diversifi<span class=\"_ _5\"></span>sering<span class=\"_ _5\"></span> mell<span class=\"_ _5\"></span>om mark<span class=\"_ _5\"></span>eds<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span><span class=\"wsd0\">og motpartsri<span class=\"_ _5\"></span>siko og for<span class=\"_ _5\"></span>sikri<span class=\"_ _5\"></span>ngsrisi<span class=\"_ _5\"></span>ko</span><span class=\"wsd0\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">901</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4497 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i uts<span class=\"_ _5\"></span>att sk<span class=\"_ _5\"></span>att<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">025</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4498 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i fors<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gstekni<span class=\"_ _5\"></span>ske <span class=\"_ _5\"></span>avsetni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(16<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">095</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">884</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4499 w98 hdd\"><div class=\"t m2 x19f hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">Solven<span class=\"_ _5\"></span>skapita<span class=\"_ _5\"></span>lkrav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>658<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449a w98 h11f\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Minsteka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span>krav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x4a6 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">911</span> </div></td></tr></table></div><div class=\"gs20f\"><table class=\"s w3d7 h52a\" id=\"_01fa3f4c-954a-479a-b0a6-e82adf4df79e\"><tr><td class=\"c x3fc y44ae w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvensmargin<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41bb w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44af w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n med ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44b0 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n uten ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsuranceContractsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-435": {
   "value": "Note K43 F<span class=\"_ _1\"></span>orsikringsforpliktelser<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Forsi<span class=\"_ _5\"></span>kringskont<span class=\"_ _5\"></span>rakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter er kontrakter der konsernet p\u00e5tar seg en betydelig forsik<span class=\"_ _5\"></span>ringsrisiko fra en forsikringst<span class=\"_ _5\"></span>aker ved \u00e5 samtykke i \u00e5 betale erstatni<span class=\"_ _5\"></span>ng til forsikringstakeren dersom en angitt usikker framtidi<span class=\"_ _5\"></span>g hendelse p\u00e5virker forsikringst<span class=\"_ _5\"></span>akeren negativt.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Investerings</span>k<span class=\"_ _5\"></span>ontrakter med skj\u00f8nnsmessi<span class=\"_ _5\"></span>ge deler er ogs\u00e5 klassifisert som forsikringsk<span class=\"_ _5\"></span>ontrakter. I konsernet utstedes forsikringsk<span class=\"_ _5\"></span>ontrakter av det heleide datterselsk<span class=\"_ _5\"></span>apet DNB Livsforsikri<span class=\"_ _5\"></span>ng (et livsforsikringss<span class=\"_ _5\"></span>elskap). <span class=\"ls0 ws0\"> </span>Produkter som tilbys av DNB Livsforsik<span class=\"_ _5\"></span>ring og som er klassifisert som forsikringskont<span class=\"_ _5\"></span>rakter omfatter tradisjonel<span class=\"_ _5\"></span>le garanterte produkter (ytels<span class=\"_ _5\"></span>es<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>basert pensjon, fri<span class=\"_ _5\"></span>poliser, gamle individuelle produkter og garanti<span class=\"_ _5\"></span>konto), risikopensjoner og personalforsik<span class=\"_ _5\"></span>ring. Forsikringsk<span class=\"_ _5\"></span>ontrakter presenteres som \u00abforsikri<span class=\"_ _5\"></span>ngsforpliktelse\u00bb i balansen. I tillegg brukes gjenf<span class=\"_ _5\"></span>orsikringskontrakter for \u00e5 redusere risiko<span class=\"wscf\">ek<span class=\"_ _5\"></span>spo<span class=\"wsd2\">neringen. Diss<span class=\"_ _5\"></span>e kontraktene er </span></span>presentert som \u00abandre eiendeler\u00bb i balans<span class=\"_ _5\"></span>en.<span class=\"ls0 ws0\"> </span>Flere invest<span class=\"_ _5\"></span>eringskontrakter (herunder unit li<span class=\"_ _5\"></span>nk<span class=\"ls0 ws0\">-</span>kontrakter) og innskuddspensj<span class=\"_ _5\"></span>on i DNB Livsforsikring klassifiseres ikke som forsikringsk<span class=\"_ _5\"></span>ontrakter. Disse kontrakt<span class=\"_ _5\"></span>ene klassifiseres og m\u00e5les som finansielle instrumenter (IFRS 9), se ytterl<span class=\"_ _5\"></span>igere informasjon i<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">note K<span class=\"_ _5\"></span>34<span class=\"ls0 ws0\"> </span></span>Eiendeler <span class=\"_ _5\"></span>og forpliktelser,<span class=\"_ _5\"></span> kunder b\u00e6rer <span class=\"_ _5\"></span>risikoen<span class=\"lsc1 wsce\">. </span>M\u00e5lemetode<span class=\"ls0 ws0\"> </span>Hovedtrekkene i den generelle m\u00e5lem<span class=\"_ _5\"></span>odellen (GMM) for m\u00e5ling av forsikringsf<span class=\"_ _5\"></span>orpliktelser er:<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse representerer n\u00e5v<span class=\"_ _5\"></span>erdien av framtidige kontantstr\u00f8mmer inkludert<span class=\"_ _5\"></span> en risikojustering for ikke</span>-<span class=\"lsaf wsf6\">finans<span class=\"_ _5\"></span>iell risiko. </span></span>Beregningene er gjort p\u00e5 gruppeniv\u00e5 for f<span class=\"_ _5\"></span>orsikringskontrakter.<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">Forplikt<span class=\"_ _5\"></span>elsene inkluderer <span class=\"_ _5\"></span>estimert kontraktsregul<span class=\"_ _5\"></span>ert tjenes<span class=\"_ _5\"></span>te<span class=\"wsf6\">margin (CSM), som representerer det ikke</span></span>-<span class=\"lsaf wsf6\">opptjent<span class=\"_ _5\"></span> gevinst</span>-<span class=\"lsaf wsd2\">elementet i<span class=\"_ _5\"></span> </span></span>forsikringsk<span class=\"_ _5\"></span>ontraktene. <span class=\"wsf6\">CSM resultatf<span class=\"_ _5\"></span>\u00f8res over forsikringskontraktenes deknings<span class=\"_ _5\"></span>periode.<span class=\"ls0 ws0\"> </span></span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Visse endringer i estimat<span class=\"_ _5\"></span>ene for n\u00e5verdien av framtidige kontantstr\u00f8mmer og risikoj<span class=\"_ _5\"></span>usteringen for ikke</span>-<span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell risiko justeres mot CSM og </span></span>regnskapsf\u00f8<span class=\"_ _5\"></span>res i resultatregnskapet over den gjenv\u00e6rende dekningsperioden for de aktuell<span class=\"_ _5\"></span>e kontraktene. Effekten av <span class=\"wsd2\">endringer i t<span class=\"_ _5\"></span>idsverdi </span>av penger og andre finansielle risikoer,<span class=\"_ _5\"></span> som ikke justerer CSM, regnskapsf\u00f8res i resultat<span class=\"_ _5\"></span>regnskapet. DNB har valgt \u00e5 ikke benytte OCI<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>opsjonen som er tillatt etter IFRS 17.<span class=\"ls0 ws0\"> </span>Risikopensj<span class=\"_ _5\"></span>oner m\u00e5les i henhold til GMM.<span class=\"ls0 ws0\"> </span>\u00abVariable fee\u00bb<span class=\"ls0 ws0\">-</span>t<span class=\"_ _5\"></span>iln\u00e6rmingen (VFA) er en variant av GMM og gjelder forsikringskontrakt<span class=\"_ _5\"></span>er med elementer av direkte deltakelse (kontrakter med et betydelig element av investerings<span class=\"_ _5\"></span>relaterte tjenest<span class=\"_ _5\"></span>er knyttet til avkastningen p\u00e5 de underliggende postene). Underli<span class=\"_ _5\"></span>ggende poster best\u00e5r av spesifisert<span class=\"_ _5\"></span>e portef\u00f8ljer av investeringer som fastsett<span class=\"_ _5\"></span>er bel\u00f8p som skal tilfalle forsikri<span class=\"_ _5\"></span>ngstakere. Ledelsen bruker skj\u00f8nn for \u00e5 vurdere om kriteri<span class=\"_ _5\"></span>ene for bruk av VFA er oppf<span class=\"_ _1\"></span>ylt, der relev<span class=\"_ _5\"></span>ante elementer av deltagelse, inkludert overskudds<span class=\"_ _5\"></span>deling mellom kontrakter, tas i betraktning. Under VFA vil ogs\u00e5 estimert framtidig \u00abvariabl<span class=\"_ _5\"></span>e fee\u00bb, som inkluderer endringer i diskonteringsrente og noen andre finans<span class=\"_ _5\"></span>ielle<span class=\"ls0 ws0\"> </span>effekt<span class=\"_ _5\"></span>er, justeres mot CSM<span class=\"_ _1\"></span>. VFA<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">produktene har en investeringskomponent. N\u00e5r</span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>an vurderer om produkter har en investeringskomponent, tas det hensyn til </span></span>relevante el<span class=\"_ _5\"></span>ementer av deltagelse, inkludert overskudds<span class=\"wsd2\">del<span class=\"_ _5\"></span>ing mellom kont<span class=\"_ _5\"></span>rakter.<span class=\"ls0 ws0\"> </span></span>VFA brukes for de fleste livsforsikri<span class=\"_ _5\"></span>ngsproduktene, inkl<span class=\"_ _5\"></span>udert de tradisjonelle garanterte produktene.<span class=\"ls0 ws0\"> </span>Premiefordel<span class=\"_ _5\"></span>ingsmetoden (PAA) er en valgfri forenklet m\u00e5lemodel<span class=\"_ _5\"></span>l, i hovedsak for kortsiktige kontrakter med dekningsperiode p\u00e5 inntil 12 m\u00e5neder. Denne metoden brukes for personal<span class=\"_ _5\"></span>forsikring og gjenforsikring. DNB har for PAA valgt \u00e5 kostnadsf\u00f8re kont<span class=\"_ _5\"></span>ant<span class=\"ls0 ws0\">s</span><span class=\"wsd2\">tr\u00f8mmer ved </span>anskaffelse n\u00e5r de p\u00e5l\u00f8per. Forplik<span class=\"_ _5\"></span>telsen for inntrufne skader i PAA justeres for tidsverdi<span class=\"_ _5\"></span>en av penger <span class=\"_ _1\"></span>og virkni<span class=\"_ _5\"></span>ngen av finansiell risiko. Forsikrings<span class=\"_ _5\"></span>forpliktelser innenfor PAA er opprinnelig innregnet<span class=\"_ _5\"></span> som mottatte premieinntekter.<span class=\"ls0 ws0\"> </span>M\u00e5lingen av forsikringsf<span class=\"_ _5\"></span>orpliktelser oppdateres<span class=\"_ _5\"></span> basert p\u00e5 gjeldende forutsetninger ved utgangen av hver rapporterings<span class=\"_ _5\"></span>periode, herunder oppdatert disk<span class=\"_ _5\"></span>onteringsrente.<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyl<span class=\"_ _5\"></span>lelse<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse inkluderer bel\u00f8p konsernet forvent<span class=\"_ _5\"></span>er \u00e5 innhente fra premier og utbetalinger til krav, ytelser<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>og kostnader. Estimatene hensynt<span class=\"_ _5\"></span>ar eksplisitt justering for ikke<span class=\"ls0 ws0\">-</span>f<span class=\"_ _5\"></span>inansiell risiko og er basert p\u00e5 forholdene p\u00e5 balansedagen. For<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">\u00e5 <span class=\"_ _5\"></span>beregne framtidige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer for fors<span class=\"_ _5\"></span>ikringskontrakter <span class=\"_ _5\"></span>benyttes kontantst<span class=\"_ _5\"></span>r\u00f8mmene i Solv<span class=\"_ _5\"></span>ens II<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">direktiv<span class=\"_ _5\"></span>et som grunnlag for beregningene, med enkelte </span>justeri<span class=\"_ _5\"></span>nger. Estimatene vil blant annet omfatte stokastisk modell<span class=\"_ _5\"></span>ering (risikon\u00f8ytrale metoder) for<span class=\"ls0 ws0\"> </span>\u00e5 m\u00e5le finansiel<span class=\"_ _5\"></span>le opsjoner og garantier.<span class=\"ls0 ws0\"> </span>Risikojusteri<span class=\"_ _5\"></span>ngene for ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">finansiell risik<span class=\"_ _5\"></span>o, hovedsakelig knyttet til risiko for uf\u00f8rhet og forventet levealder, beregnes<span class=\"_ _5\"></span> etter samme metode som </span>for risikomarginen under S<span class=\"_ _5\"></span>olvens II, men i noen grad med andre forutsetninger. Den beregnede risiko<span class=\"wscf\">jus<span class=\"_ _5\"></span>tering</span>en tilsvarer et konfi<span class=\"_ _5\"></span>densniv\u00e5 p\u00e5 88 prosent.<span class=\"ls0 ws0\"> </span>Diskonterings<span class=\"_ _5\"></span>rente<span class=\"ls0 ws0\"> </span>Metoden som brukes for \u00e5 beregne den markedsbaserte diskont<span class=\"_ _5\"></span>eringsrenten er basert p\u00e5 en \"bottom<span class=\"ls0 ws0\">-</span><span class=\"wscf\">up\"<span class=\"ls0 ws0\">-</span></span>metode. Den risik<span class=\"_ _5\"></span>ofrie renten er avledet av den norske swaprenten de f\u00f8rst<span class=\"_ _5\"></span>e ti \u00e5rene. Kredittrisiko er justert for ved \u00e5 benytte samme metode som ved fastsettelse av Solvens II<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>direktivets<span class=\"_ _5\"></span> rentekurve. Etter ti \u00e5r ekstrapoleres rent<span class=\"_ _5\"></span>ekurven til en forward rate etter Smith<span class=\"ls0 ws0\">-<span class=\"lsbe ws10b\">Wils<span class=\"_ _5\"></span>on</span>-</span>metoden. Det legges til en illikv<span class=\"_ _5\"></span>iditets<span class=\"_ _1c5\"> </span>premie for hele l\u00f8peti<span class=\"_ _5\"></span>den under forutsetning av at forpliktelsene er illikvide gjennom hele p<span class=\"wscf\">eri<span class=\"_ _5\"></span>oden<span class=\"_ _1c5\"> </span></span>Aggregeringsniv<span class=\"_ _5\"></span>\u00e5<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontraktene er delt inn i grupper av kontrakter. En portef\u00f8lje best\u00e5r av kontrakter som er underlagt li<span class=\"_ _5\"></span>gnende risiko og som forvaltes sammen. Port<span class=\"_ _5\"></span>ef\u00f8ljen vil v<span class=\"_ _5\"></span>idere bli delt <span class=\"_ _5\"></span>inn i <span class=\"_ _5\"></span>l\u00f8nnsom<span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span></span><span class=\"wsf6\">grupper og \u00e5rganger (\u00e5rlige kohorter).<span class=\"_ _5\"></span> For kontrakter m\u00e5lt etter VFA gjelder \"carve<span class=\"ls0 ws0\">-</span><span class=\"wscf\">out\"<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>unntaket godkj<span class=\"_ _5\"></span>ent av EU for \u00e5rlige ko<span class=\"wscf\">horter.<span class=\"ls0 ws0\"> </span></span>Kontraktens grense<span class=\"ls0 ws0\"> </span>Konsernet benytter begrepet<span class=\"_ _5\"></span> kontraktens grense for \u00e5 bestemme hvilke kontantst<span class=\"_ _5\"></span>r\u00f8mmer som s<span class=\"_ _1\"></span>kal<span class=\"_ _5\"></span> inng\u00e5 i m\u00e5lingen av grupper av forsikringsk<span class=\"_ _5\"></span>ontrakter. For de fleste tradisjonell<span class=\"_ _5\"></span>e garanterte produkter vurderes kontraktenes grens<span class=\"_ _5\"></span>er \u00e5 v\u00e6re langsiktige, noe<span class=\"ls0 ws0\"> <span class=\"lscd ws133\">som i<span class=\"_ _5\"></span></span></span>nneb\u00e6rer at alle framtidi<span class=\"_ _5\"></span>ge premier inng\u00e5r i kontantstr\u00f8mmene. Risikopensj<span class=\"_ _5\"></span>oner, garantikonto og personalfors<span class=\"_ _5\"></span>ikring har en kontraktsgrense p\u00e5 ett \u00e5r. Gjenforsikri<span class=\"_ _5\"></span>ngskontrakter har en kontraktsgrens<span class=\"_ _5\"></span>e p\u00e5 tre m\u00e5neder.<span class=\"ls0 ws0\"> </span>Innregning i res<span class=\"_ _5\"></span>ultatregnskapet<span class=\"ls0 ws0\"> </span>Linjen \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb inkluderer b\u00e5de resultat f<span class=\"_ _5\"></span>ra forsikringstjenester og finansres<span class=\"_ _5\"></span>ultat, livsforsikri<span class=\"_ _5\"></span>ng.<span class=\"ls0 ws0\"> </span>Resultat fra forsik<span class=\"_ _5\"></span>ringstjenester omfatter f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntekt, herunder frigiv<span class=\"_ _5\"></span>else av CSM og risikojustering i perioden.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kostnader for fors<span class=\"_ _5\"></span>ikringstjenester, herunder driftsk<span class=\"_ _5\"></span>ostnader knyttet til forsikringsk<span class=\"_ _5\"></span>ontrakter.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Netto inntekt / kostnad fra gjenf<span class=\"_ _5\"></span>orsikringskontrakter gjennom perioden.</span> </span>Finansres<span class=\"_ _5\"></span>ultat, livsforsikring inkluderer f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngsinntekter fra underliggende eiendeler ell<span class=\"_ _5\"></span>er gruppe av eiendeler, m\u00e5lt til virkelig verdi.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle forsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle gjenforsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span>Frigivelsen av CSM i resultatregnskapet<span class=\"_ _5\"></span> bestemmes av allokering av CSM ved utgangen av rapporteringsperioden for innev\u00e6rende <span class=\"wscf\">og </span>forventede gjenv\u00e6rende dek<span class=\"_ _5\"></span>ningsperiode for gruppen av forsikringskont<span class=\"_ _5\"></span>rakter, basert p\u00e5 dekningsenheter. Deknings<span class=\"_ _5\"></span>perioden er per<span class=\"wscf\">ioden </span>foretaket yter fors<span class=\"_ _5\"></span>ikringskontrakttj<span class=\"_ _5\"></span>enester. Forsikringskontrak<span class=\"_ _5\"></span>ttjenester inkluderer dek<span class=\"_ _5\"></span>ning for en forsikret hendelse, inves<span class=\"wscf\">teringsavk<span class=\"_ _5\"></span>astnings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>tjeneste og investeri<span class=\"_ _5\"></span>ngsrelatert tjeneste der det er relevant. Dekningsenhet<span class=\"_ _5\"></span>er for gruppen av forsikringskontrakter f<span class=\"_ _5\"></span>astsettes ved \u00e5 vurdere mengden av ytelser for hver kontrakt og dens forventet dekni<span class=\"_ _5\"></span>ngsperiode. Mengden av ytelser for investeringsavkastni<span class=\"_ _5\"></span>ng og inve<span class=\"wscf\">steringsrelatert </span>tjenester er eiendel<span class=\"_ _5\"></span>er under forvaltning, og for en forsikret hendelse er det forventede utbetalte ytels<span class=\"_ _5\"></span>er. Den relative vektingen av ytelsene for hver rapporterings<span class=\"_ _5\"></span>periode for tradisjonelle garant<span class=\"_ _5\"></span>erte produkter er basert p\u00e5 det maksimale av garantert rente og forventet a<span class=\"ls0 ws0\">v</span>kastning p\u00e5 eiendeler i perioden,<span class=\"_ _5\"></span> sammenliknet med forventede utbetalte ytelser. Konsernet har valgt \u00e5 diskontere deknings<span class=\"_ _5\"></span><span class=\"wsd2\">enheter med s<span class=\"_ _5\"></span>amme </span>diskonterings<span class=\"_ _5\"></span>rente som ved diskontering av kontantstr\u00f8mmer.<span class=\"ls0 ws0\"> </span>For frigivels<span class=\"_ _5\"></span>en av CSM behandles hvert kvartal som en atskilt del\u00e5rsrapporteringsperiode.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Endringer som er knyttet til n\u00e5v\u00e6rende eller ti<span class=\"_ _5\"></span>dligere tjenester, regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atregnskapet, og endringer som er knyttet til framt<span class=\"_ _5\"></span>idige tjenester, i<span class=\"_ _5\"></span>nnregnes ved balansef\u00f8ring mot CSM eller mot tapskomponenten.<span class=\"ls0 ws0\"> </span>Frigivelsen av risikoj<span class=\"_ _5\"></span>usteringen er basert p\u00e5 utviklingen i kapitalkost<span class=\"_ _5\"></span>naden for hver periode. Hele endringen av risikojusteri<span class=\"_ _5\"></span>ngen, inkludert finanseff<span class=\"_ _5\"></span>ekten, inng\u00e5r i resultat fra forsikrings<span class=\"wscf\">tj<span class=\"_ _5\"></span>enester.<span class=\"ls0 ws0\"> </span></span>Forventet og faktisk tilbak<span class=\"_ _5\"></span>ebetaling av investeringskomponent<span class=\"_ _5\"></span>en under VFA vil ikke v\u00e6re en del av for<span class=\"_ _1\"></span>sikri<span class=\"_ _5\"></span>ngsinntekter og kostnader for forsikringst<span class=\"_ _5\"></span>jenester.<span class=\"ls0 ws0\"> </span>Tapsbringende k<span class=\"_ _5\"></span>ontrakter innregnes umiddelbart som tap under kostnader for forsik<span class=\"_ _5\"></span>ringstjenester.<span class=\"ls0 ws0\"> </span>For kontrakter m\u00e5lt under VFA vil finansresultat<span class=\"_ _5\"></span>et v\u00e6re tiln\u00e6rmet null, fordi forsik<span class=\"_ _5\"></span>ringsfinansinntekter eller <span class=\"ls0 ws0\">-</span>kost<span class=\"_ _5\"></span>nader som omfatter endringer i virkelig verdi av underli<span class=\"_ _5\"></span>ggende poster (unntatt tillegg og uttak) vil v\u00e6re tiln\u00e6rmet likt s<span class=\"_ _5\"></span>om investeringsinntektene fra underliggende eiendeler m\u00e5lt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"ls0 ws0\"> </span>I konsernet utstedes forsikri<span class=\"_ _5\"></span>ngskontrakter av det heleide datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring AS. Alle tall i denne noten repr<span class=\"ws114\">esent<span class=\"_ _5\"></span>erer konsernets </span>forsikringsf<span class=\"_ _5\"></span>orpliktelser, med unntak av referanser t<span class=\"_ _5\"></span>il solvenskapital, som er oppgitt for datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring <span class=\"lsd3\">AS.<span class=\"ls0 ws0\"> </span></span>Forsikri<span class=\"_ _1\"></span>ngskontrakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter omfatter tradisj<span class=\"_ _5\"></span>onelle garanterte produkter, risikopensj<span class=\"_ _5\"></span>oner og personalforsikring. Portef<span class=\"_ _5\"></span>\u00f8ljen av tradisjonelle garanterte produkter er stengt for nytegninger,<span class=\"_ _5\"></span> noe som betyr at den er under av<span class=\"_ _1\"></span>vikl<span class=\"_ _5\"></span>ing.<span class=\"_ _1c5\"> </span>Tradi<span class=\"_ _1\"></span>sjonel<span class=\"_ _1\"></span>le g<span class=\"_ _1\"></span>arante<span class=\"_ _1\"></span>rte pro<span class=\"_ _1\"></span>dukt<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span>De st\u00f8rste portef\u00f8lj<span class=\"_ _5\"></span>ene i denne kategorien er ytelsespensjon og fripoliser. <span class=\"ls0 ws0\"> </span>Ytelses<span class=\"_ _5\"></span>pensjon kan omfatte alderspensjon, uf\u00f8repensjon, ekt<span class=\"_ _5\"></span>efellepensjon, samboerpensjon ell<span class=\"_ _5\"></span>er barnepensjon. <span class=\"wscf\">Ved alder</span>spensj<span class=\"_ _5\"></span>on utbetales pensjonen<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">f<span class=\"_ _5\"></span>ra en avtalt alder og s\u00e5 lenge den <span class=\"_ _1\"></span>fors<span class=\"_ _5\"></span>ikrede lever. Det kan ogs\u00e5 avtales at pensjonsutbetalingene opph\u00f8rer ved en viss alder. </span>Utover spareprem<span class=\"_ _5\"></span>ie, innbet<span class=\"_ _5\"></span>ales e<span class=\"wsf6\">n premie for renterisik<span class=\"_ _5\"></span>o, forsikringsrisiko og administrasjon<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span></span>p\u00e5 forh\u00e5nd.<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">Yt<span class=\"_ _5\"></span>elsespensjon inkluderer en \u00e5rlig </span>garantert avkast<span class=\"_ _5\"></span>ning til forsikringstakeren.<span class=\"_ _5\"></span> <span class=\"wscf\">Tildeling </span>til forsik<span class=\"_ _5\"></span>ringstakeren er definert i for<span class=\"wscf\">sikringsvi<span class=\"_ _5\"></span>rksomhetsloven</span>, og selskapet kan benytte bufferkont<span class=\"_ _5\"></span>oer for \u00e5 oppfylle den garanterte avkastningen<span class=\"ls0 ws0\">.  </span>N\u00e5r et medlem trer ut av en pensjonsavtale eller en pensjonsavtale opph\u00f8rer, har medlemmet krav p\u00e5 en fripol<span class=\"_ _5\"></span>ise. Rettighetene<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">som er oppt<span class=\"_ _5\"></span>jent </span>p\u00e5 oppsigelsesti<span class=\"_ _5\"></span>dspunktet videref\u00f8res i fripol<span class=\"_ _5\"></span>iser. Fripoliser har en egen overskuddsfordelingsm<span class=\"_ _5\"></span>odell<span class=\"lsc4 ws0\">. S</span>el<span class=\"_ _5\"></span>skapet kan<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">som for y<span class=\"_ _5\"></span>telsespensjon<span class=\"ls0 ws0\">, </span></span>benytte bufferk<span class=\"_ _5\"></span>ontoer <span class=\"wsf6\">for \u00e5 oppfylle den garanterte avkast<span class=\"_ _5\"></span>ningen.<span class=\"ls0 ws0\"> </span></span>Ri<span class=\"lsb7 ws100\">sikope<span class=\"_ _5\"></span>nsjoner<span class=\"ls0 ws0\"> </span></span>En risikopensjon er knyttet ti<span class=\"_ _5\"></span>l en innskuddspensjon<span class=\"lscd ws12a\">, s<span class=\"_ _5\"></span>om <span class=\"_ _5\"></span><span class=\"lsbc ws0\">kan<span class=\"_ _1\"></span> omfatte<span class=\"_ _1\"></span><span class=\"ls0\"> <span class=\"lsaf wscf\">innskuddsfrit<span class=\"_ _5\"></span>ak,</span> <span class=\"lsaf wsf6\">uf\u00f8repensjon, ektefellepens<span class=\"_ _5\"></span>jon, samboerpensjon eller </span></span></span></span>barnepensjon. <span class=\"_ _5\"></span>Innskuddsfritak<span class=\"_ _5\"></span><span class=\"lsbd ws104\">et<span class=\"ls0 ws0\"> </span></span><span class=\"wsf6\">er obligat<span class=\"_ _5\"></span>orisk for alle bedrifter i Norge,<span class=\"ls0 ws0\"> </span></span>Pers<span class=\"_ _5\"></span>onalforsik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span>Personalf<span class=\"_ _5\"></span>orsikring er et ett\u00e5rig risikoprodukt, som kan omfatte gruppelivs<span class=\"_ _5\"></span>forsikring, ulykk<span class=\"_ _5\"></span>esforsikring eller helseforsikri<span class=\"_ _5\"></span>ng<span class=\"wsd2\">. Yrkesskadef<span class=\"_ _5\"></span>orsikring </span>er obligatorisk<span class=\"_ _5\"></span> for alle bedrifter i Norge. <span class=\"ls0 ws0\"> </span>Risiko i for<span class=\"_ _1\"></span>sikringskontrakter<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span>Risiko i forsik<span class=\"_ _5\"></span>ringskontrakter omfatter finansi<span class=\"_ _5\"></span>ell risiko og forsikringsrisiko, i til<span class=\"_ _5\"></span>legg til operasjonell risiko og forretnings<span class=\"_ _5\"></span>risiko. Finansiell risiko omfatter k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"lsbe ws104\">, l<span class=\"_ _5\"></span>ikvi<span class=\"_ _5\"></span>dit<span class=\"_ _5\"></span>ets</span>- </span><span class=\"wsf6\">og mark<span class=\"_ _5\"></span>edsrisiko. Markedsrisik<span class=\"_ _5\"></span>o er risiko knyttet til aksjekurs, rente</span>r <span class=\"_ _5\"></span>og eiendom. Fors<span class=\"_ _5\"></span>ikringsrisiko k<span class=\"_ _5\"></span>nytter seg i hovedsak til endringer i framt<span class=\"_ _5\"></span>idige forsikringsutbetali<span class=\"_ _5\"></span>nger som f\u00f8lge av endringer i forventet levealder (d\u00f8delighet) og uf\u00f8rhet.<span class=\"_ _5\"></span> Risiko knyttet til forsikrings<span class=\"wsf6\">k<span class=\"_ _5\"></span>ontrakter blir i varierende grad delt mellom forsikringst<span class=\"_ _5\"></span>akeren og selskapet. <span class=\"ls0 ws0\"> </span></span>Marked<span class=\"_ _1\"></span>srisi<span class=\"_ _1\"></span>ko<span class=\"ls0 ws0\"> </span>Hovedrisikoen er at finans<span class=\"_ _5\"></span>avkastning ikke vil v\u00e6re tilstrekkelig til \u00e5 oppfylle forplikt<span class=\"_ _5\"></span>elsene som er angitt i forsikringspolis<span class=\"_ _5\"></span>er, og som inkluderer den \u00e5rlige garanterte avk<span class=\"_ _5\"></span>astningen. Gjennomsnittet f<span class=\"_ _5\"></span>or den garanterte avkastningen p\u00e5 forsikringsforplik<span class=\"_ _5\"></span>telsene var 2,9 prosent per <span class=\"ls0 ws0\"> </span>31. desember 2025 og 2,9 prosent per 31. desember 2024. Dersom avkastning<span class=\"wscf\">en<span class=\"ls0 ws0\"> </span></span>for et \u00e5r er mindre enn den garanterte avk<span class=\"_ _5\"></span>astningen, kan selskapet<span class=\"ls0 ws0\"> </span>benyt<span class=\"_ _5\"></span>te <span class=\"wsf6\">tilgjengelige bufferkont<span class=\"_ _5\"></span>oer<span class=\"ls0 ws0\"> </span>til \u00e5 dekke manglende avkastning<span class=\"lsb9 ws123\">. Ellers<span class=\"ls0 ws0\"> </span></span></span>m\u00e5 selskap<span class=\"lsc4 ws115\">et </span><span class=\"wsf6\">kompens<span class=\"_ _5\"></span>ere for manglende avkastning.<span class=\"ls0 ws0\"> </span></span>Forsi<span class=\"_ _5\"></span>kringsris<span class=\"_ _5\"></span>iko <span class=\"ls0 ws0\"> </span>Forsikrings<span class=\"_ _5\"></span>risiko oppst\u00e5r n\u00e5r faktiske dat<span class=\"_ _5\"></span>a for d\u00f8delighet, uf\u00f8rhet og erstatningskrav avviker fra de forutsetni<span class=\"_ _5\"></span>ngene som ligger til grunn for beregningsgrunnlaget<span class=\"_ _5\"></span> for premier og avsetninger. For eksempel vil en generell \u00f8kning i forventet levealder eller uf\u00f8rhet f\u00f8re til \u00f8kte ut<span class=\"_ _5\"></span>betalinger etter forsikri<span class=\"_ _5\"></span>ngsavtalen. L\u00f8nnsomheten kan dermed svekkes dersom faktisk d\u00f8deli<span class=\"_ _5\"></span>ghet eller uf\u00f8rhet avviker vesentlig fra prisf<span class=\"_ _5\"></span><span class=\"wscf\">orventningene. <span class=\"ls0 ws0\"> </span></span>Likv<span class=\"_ _1\"></span>iditet<span class=\"_ _1\"></span>srisiko<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span>Likvidit<span class=\"_ _5\"></span>etsrisiko er risikoen for at DNB ikke er i stand til \u00e5 innfri sine forpliktels<span class=\"_ _5\"></span>er ved forfall, eller ikke klarer \u00e5 m\u00f8t<span class=\"wsd2\">e sine li<span class=\"_ _5\"></span>kviditetsforpl<span class=\"_ _5\"></span>iktelser </span>uten at kostnaden ved dette \u00f8ker for mye. DNB styrer likvidit<span class=\"_ _5\"></span>etsrisikoen slik at konsernet til enhver tid har tilstrekk<span class=\"_ _5\"></span>elige likvide midler til \u00e5 oppfylle sine forpl<span class=\"_ _5\"></span>iktelser. Fors<span class=\"_ _5\"></span>ikringsforplikt<span class=\"_ _5\"></span>elsen<span class=\"ls0 ws0\">e </span><span class=\"wscf\">har gjennomsnittl<span class=\"_ _5\"></span>ig <span class=\"wsf6\">lang durasjon sammenliknet med aktivaplass<span class=\"_ _5\"></span>eringene, som har relativt kort </span></span>durasjon. Likvidi<span class=\"_ _5\"></span>tetsrisikoen har generelt bli<span class=\"_ _5\"></span>tt vurdert til<span class=\"ls0 ws0\"> </span>\u00e5 v\u00e6re lav for forsikringsforpl<span class=\"_ _5\"></span>iktelser. <span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser en forfal<span class=\"_ _5\"></span>lsanalyse av konsernets forsikrings<span class=\"wscf\">kontrak<span class=\"_ _5\"></span>ter<span class=\"wsd2\">, som <span class=\"_ _5\"></span>reflekterer t<span class=\"_ _5\"></span>idsintervallene f<span class=\"_ _5\"></span>or </span></span>n\u00e5verdi<span class=\"_ _5\"></span>en av <span class=\"wscf\">forventede </span>framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmer<span class=\"ls0 ws0\">. </span><table class=\"s w3c9 h51d\" id=\"_808f149c-32a5-4ca0-b1ed-ac607bb494df\"><tr><td></td><td class=\"c x523 y4444 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Betalin<span class=\"_ _5\"></span>g p\u00e5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4444 wde hd7\"><div class=\"t m2 x247 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Inntil<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4444 wdf hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4444 wde hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 2 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 3 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 4 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4444 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Over<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y4445 w1f9 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2cd fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4445 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">foresp<span class=\"_ _5\"></span>\u00f8rsel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4445 wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">1 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4445 wdf hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4445 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>4 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4445 wdc hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4445 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4446 w1f9 h15b\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x524 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">405</span> </div></td><td class=\"c x525 y4446 wdf h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">005</span> </div></td><td class=\"c x526 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">055</span> </div></td><td class=\"c x527 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">042</span> </div></td><td class=\"c x528 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x529 y4446 wdc h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">143<span class=\"ls0 ws0\"> </span>644<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4446 wdd h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4447 w1f9 h135\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x524 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x525 y4447 wdf h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">617</span> </div></td><td class=\"c x526 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x527 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">877</span> </div></td><td class=\"c x528 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">020</span> </div></td><td class=\"c x529 y4447 wdc h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span>717<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4447 wdd h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>769<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Over<span class=\"_ _5\"></span>v\u00e5king <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>DNB Livsforsikri<span class=\"_ _5\"></span>ng benytter <span class=\"wsd2\">blant annet </span>et ris<span class=\"_ _5\"></span>ikoappetittrammeverk for risikosty<span class=\"_ _5\"></span>ring. Risikoappetitten er satt med m\u00e5l for kapitalis<span class=\"_ _5\"></span>ering, markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>risiko, fors<span class=\"_ _5\"></span>ikringsrisiko og operasjonell risik<span class=\"_ _5\"></span>o. Styret fastsetter \u00e5rlige rammer for finansiel<span class=\"_ _5\"></span>l risiko og forsikringsrisiko<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">i t<span class=\"_ _5\"></span>illegg ti<span class=\"_ _5\"></span>l rammene for </span>ris<span class=\"_ _5\"></span>iko<span class=\"_ _5\"></span><span class=\"lsaf wsf6\">appetitt. Rammene f\u00f8lges opp l\u00f8pende.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>DNB Livsforsikri<span class=\"_ _5\"></span>ng har inng\u00e5tt gjenforsikringsavtal<span class=\"_ _5\"></span>er som beskytter mot risiko for d\u00f8d og uf\u00f8rhet dersom katastrofelignende hendelser i<span class=\"_ _5\"></span>nntreffer.<span class=\"ls0 ws0\"> </span>I tillegg vurderes avkastni<span class=\"_ _5\"></span>ngen p\u00e5 selskapets investeringer l\u00f8pende.<span class=\"_ _5\"></span> Dette omfatter vurderinger knytt<span class=\"_ _5\"></span>et til realisasjon av investeringer f<span class=\"_ _5\"></span>or <span class=\"_ _1\"></span>\u00e5 opp<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>n\u00e5 <span class=\"lsbd ws117\">ti<span class=\"_ _5\"></span>ls<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rek<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>eli<span class=\"_ _5\"></span>g av<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>ast<span class=\"_ _5\"></span>n<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>g fo<span class=\"_ _5\"></span>r \u00e5 opp<span class=\"_ _5\"></span>f<span class=\"_ _5\"></span>yl<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>e </span><span class=\"wsf6\">den \u00e5rlige garanterte <span class=\"lsbf ws107\">avka<span class=\"_ _1\"></span>stni<span class=\"_ _1\"></span>ng<span class=\"lsaf wsd2\">, samt avs<span class=\"_ _5\"></span>etning<span class=\"ls0 ws0\"> <span class=\"lsc4 ws115\">til<span class=\"lsbd ws117\">/<span class=\"_ _5\"></span>b<span class=\"_ _5\"></span>ruk<span class=\"_ _5\"></span> av </span></span></span><span class=\"wscf\">til<span class=\"_ _5\"></span>leggsavsetninger<span class=\"ls0 ws0\">. </span></span></span></span></span>Forsikri<span class=\"_ _1\"></span>ngsforpliktelser<span class=\"ls0 ws0\"> </span>Forsikrings<span class=\"_ _5\"></span>forpliktelsene for den generelle m\u00e5l<span class=\"_ _5\"></span>emodellen (General Measurement Model, GMM) og \u00abvariable fee\u00bb<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">t<span class=\"_ _5\"></span>iln\u00e6rmingen (Variabl<span class=\"_ _5\"></span>e Fee </span>Approach, VFA) estimeres bas<span class=\"_ _5\"></span>ert p\u00e5 kontantstr\u00f8mmen for oppfyllelse av forpliktelsen, med til<span class=\"_ _5\"></span>legg av kontraktsregulert tje<span class=\"wscf\">nestem<span class=\"_ _5\"></span>arginen </span>(Contractual<span class=\"_ _5\"></span> Service Margi<span class=\"_ _5\"></span>n, CSM). <span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser f<span class=\"_ _5\"></span>orsikringsforpliktels<span class=\"_ _5\"></span>ene for hver m\u00e5lemetode.<span class=\"ls0 ws0\"> </span><table class=\"s w3ca h51e\" id=\"_bdf21aac-ac6f-423b-8f09-ccd0edea29d9\"><tr><td class=\"c x3fc y4448 w1fa hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24 <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4449 w1fa hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Variabl<span class=\"_ _5\"></span>e fee<span class=\"ls0 ws0\">-</span><span class=\"wsd0\">til<span class=\"_ _5\"></span>n\u00e6rm<span class=\"_ _5\"></span>ing (VFA<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x52b y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>940<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>860<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y444a w1fa hde\"><div class=\"t m2 x19f hcc y20f0 ff2ce fs53 fc21 sc0 lsab wscd\">Generel<span class=\"_ _5\"></span>l m\u00e5lem<span class=\"_ _5\"></span>odell <span class=\"_ _5\"></span>(GMM<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">458</span> </div></td><td class=\"c x52c y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">462</span> </div></td></tr><tr><td class=\"c x3fc y444b w1fa hda\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscd\">Premiefo<span class=\"_ _5\"></span>rdelin<span class=\"_ _5\"></span>gsmeto<span class=\"_ _5\"></span>den (PA<span class=\"_ _5\"></span>A) <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x52c y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">555</span> </div></td></tr><tr><td class=\"c x3fc y444c w1fa hd9\"><div class=\"t m2 x19f hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscd\">Totale f<span class=\"_ _5\"></span>orsikr<span class=\"_ _5\"></span>ingsf<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>236<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>877<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Tabellen nedenfor viser bev<span class=\"_ _5\"></span>egelsene i forsikringsforpliktels<span class=\"_ _5\"></span>ene analysert ved bruk av m\u00e5lekomponenter, og inkluderer kontrakt<span class=\"_ _5\"></span>er m\u00e5lt i henhold til GMM og VFA. <span class=\"ls0 ws0\"> </span><table class=\"s w3cb h51f\" id=\"_8299e098-3474-4e90-9f4b-4f67537a4f60\"><tr><td></td><td></td><td class=\"c x52d y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y444e w1fc hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y444e w1fd hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x52e y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4450 w1ff hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4450 w200 hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4451 w1fb hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4451 w1ff hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4451 w1fe hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4451 w200 hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4451 w1ff hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4453 w1fb h285\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 1. jan<span class=\"_ _5\"></span>uar<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4453 w1ff h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x531 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4453 w200 h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">999</span> </div></td><td class=\"c x533 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>510<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4453 w1ff h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">192<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305e ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r n\u00e5v\u00e6<span class=\"_ _5\"></span>rende <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4454 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">tjenest<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4454 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4454 w1ff h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">256</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x532 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y4454 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4454 w200 h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(212)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">093</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x534 y4454 w1ff h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">319</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3060 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4455 w1fb h129\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">l\u00f8nnsom<span class=\"_ _5\"></span>me</span><span class=\"lsab wscb\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x52d y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(310)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4455 w1ff h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">279<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(241)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4455 w200 h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3062 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4456 w1fb h127\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">tapsbri<span class=\"_ _5\"></span>ngend<span class=\"_ _5\"></span>e</span> </div></td><td class=\"c x52d y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4456 w1ff h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4456 w1fe h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">155<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4456 w200 h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x534 y4456 w1ff h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3063 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4457 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> juster<span class=\"_ _5\"></span>er CS<span class=\"_ _5\"></span>M</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4457 w1fe h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(656)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4457 w1ff h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4457 w1fe h128\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">615<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4457 w1fe h128\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">881</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x530 y4457 w200 h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(262)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4457 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">143</span> </div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3065 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4458 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> ikke j<span class=\"_ _5\"></span>uster<span class=\"_ _5\"></span>er CSM<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4458 w1ff h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(45)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4458 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4458 w200 h127\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 </div></td><td></td><td class=\"c x534 y4458 w1ff h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3067 ff2ce fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4459 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa7\"></span><span class=\"lsa7\">eller </span><span class=\"ws0\">-<span class=\"lsab wscb\">kostna<span class=\"_ _5\"></span>der</span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">997</span> </div></td><td></td><td class=\"c x531 y4459 w1fe h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4459 w1fe h128\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>008<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">376</span> </div></td><td></td><td class=\"c x533 y4459 w1fe h128\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x534 y4459 w1ff h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">384</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y2a88 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445a w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wsd0\">motta<span class=\"_ _5\"></span>tte premi<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td></td><td></td><td class=\"c x532 y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td class=\"c x52e y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td><td></td><td></td><td class=\"c x534 y445a w1ff h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3069 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra k<span class=\"_ _5\"></span>rav og<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x536 y445b w3cc h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff2ce fs53 fc21 sc0 lsab wscd\">andre ko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span>er bet<span class=\"_ _5\"></span>alt</div><div class=\"t m2 x535 h121 y3e5e ff2ce fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x52d y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x532 y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x534 y445c w1ff h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y306c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445d w1fb h286\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>538<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y445d w1ff h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">423</span> </div></td><td class=\"c x531 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">185<span class=\"ls0 ws0\"> </span>398<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y445d w200 h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x533 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y445d w1ff h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4460 w3cd h520\"><div class=\"t m2 x3f4 h183 y445e ff2d0 fs55 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y437f ff2ce fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4380 ff2ce fs55 fc21 sc0 lsaf wsf6\">Estimatet for n\u00e5verdien av f<span class=\"_ _5\"></span>ramtidige inng\u00e5ende kontantstr\u00f8mmer f<span class=\"_ _5\"></span>or tapsbringende kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc5 ws130\">var </span></span><span class=\"wscf\">239<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">321<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner<span class=\"_ _1\"></span> i </span></span></div><div class=\"t m2 x3f4 hcf y445f ff2ce fs55 fc21 sc0 lsaf wscf\">202<span class=\"ls0 ws0\">4</span><span class=\"wsf6\">), mens det for krav og andre kostnader for forsikringst<span class=\"_ _5\"></span>jenester var </span>309<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner kroner (</span>476<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner i 20<span class=\"_ _1\"></span>2<span class=\"ls0 ws0\">4<span class=\"lsaf wsd2\">). Estimat<span class=\"_ _5\"></span>et for n\u00e5verdien av<span class=\"_ _5\"></span> </span></span></span></div><div class=\"t m2 x3f4 hcf y3fb5 ff2ce fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>dige inng\u00e5ende kontantstr\u00f8mmer for l\u00f8nnsomme kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc1 wsce\">var </span></span><span class=\"wscf\">929<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">64</span>7 millioner i 202<span class=\"ls0 ws0\">4</span>), mens det for krav og </div><div class=\"t m2 x3f4 hcf y3fb6 ff2ce fs55 fc21 sc0 lsaf wsd2\">andre kost<span class=\"_ _5\"></span>nader for fors<span class=\"_ _5\"></span>ikringstjenester v<span class=\"_ _5\"></span>ar <span class=\"wscf\">619<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">mil<span class=\"_ _5\"></span>lioner kroner (4</span>06<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner i 202<span class=\"ls0 ws0\">4<span class=\"lsc4 ws118\">).    </span> </span></span></span></div></td><td class=\"c x537 y4462 w3ce h4b2\"><div class=\"t m2 x3f4 h183 y4461 ff2d0 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hvor<span class=\"_ _5\"></span>av 12 <span class=\"_ _5\"></span><span class=\"wscb\">21</span>6 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kroner<span class=\"_ _5\"></span> er inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>ngsk<span class=\"_ _5\"></span>ompone<span class=\"_ _5\"></span>nt (</span><span class=\"lsab wscd\">1</span>2 10<span class=\"_ _5\"></span>6 <span class=\"lsa7 wsd1\">millioner i 202</span>4). </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w3cf h521\" id=\"_0bfce16d-8d53-4e1c-8573-47d905f3a7f2\"><tr><td class=\"c x539 y4466 w3d0 h522\"><div class=\"t m2 x538 hd8 y3e62 ff2d0 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent</div><div class=\"t m2 x3f4 he2 y4463 ff2ce fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4464 ff2ce fs55 fc21 sc0 lsaf wsf6\">3,7 prosent per 31.desember 202<span class=\"ls0 ws0\">4. </span></div><div class=\"t m2 x3f4 hcf y4465 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x53a y412c wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412c wdf hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412c wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">10 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412c wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">15 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x539 y4469 w3d1 h523\"><div class=\"t m2 x53d hcc y3e5d ff2ce fs53 fc21 sc0 lsab wsd0\">20 \u00e5r<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y4467 ff2ce fs55 fc21 sc0 lsaf wsf6\">Tabellene nedenfor angir rent<span class=\"_ _5\"></span>ekurvene som brukes til \u00e5 diskontere kontantstr\u00f8mmene til forsikri<span class=\"_ _5\"></span>ngskontrakter. Terminrenten ko<span class=\"wsd2\">nv<span class=\"_ _5\"></span>ergerer mot </span></div><div class=\"t m2 x3f4 hcf y4468 ff2ce fs55 fc21 sc0 lsaf wsf6\">den ultimate terminrent<span class=\"_ _5\"></span>en (Ultimate Forward Rate, UFR) fra siste likvide punkt p\u00e5 10 \u00e5r til <span class=\"ls0 ws0\">4</span>0 \u00e5r. UFR var <span class=\"wscf\">3,7<span class=\"ls0 ws0\"> </span></span>prosent per 31.<span class=\"ls0 ws0\"> </span>desember 202<span class=\"ls0 ws0\">5 </span><span class=\"wscf\">og </span></div></td></tr><tr><td class=\"c x3fc y446a we1 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y446a wdf hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y412d we1 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412d wdf hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr></table>Endringene som gjelder framtidi<span class=\"_ _5\"></span>ge tjenester som justerer CSM, var i 2025<span class=\"ls0 ws0\"> </span>og 2024 hovedsakelig drevet av renteendringene i perioden. H\u00f8y<span class=\"_ _5\"></span>ere renter reduserer den estim<span class=\"_ _5\"></span>erte n\u00e5verdien av framtidige kontantstr\u00f8mmer og \u00f8ker CSM under VFA, som er den dominerende m\u00e5lemeto<span class=\"wsd2\">den.   <span class=\"ls0 ws0\"> </span></span>Ved utgangen av 202<span class=\"ls0 ws0\">5 </span>besto CSM av 13 <span class=\"wscf\">325<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakter hvor det ble benyttet virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen p\u00e5 overgangs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tidspunkt<span class=\"_ _5\"></span>et (1<span class=\"ls0 ws0\">3 </span><span class=\"wscf\">748<span class=\"ls0 ws0\"> </span></span>millioner per utgangen av 202<span class=\"ls0 ws0\">4</span>) og <span class=\"wscf\">111 <span class=\"wsd2\">millioner for <span class=\"_ _5\"></span>\u00f8vrige kontrakter <span class=\"_ _5\"></span>(</span>40<span class=\"ls0 ws0\"> </span></span>milli<span class=\"_ _5\"></span>oner per utgangen av 202<span class=\"ls0 ws0\">4<span class=\"lsc1 ws120\">). For kon<span class=\"_ _5\"></span>trakter </span> </span>hvor virkeli<span class=\"_ _5\"></span>g verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen ble benyttet p\u00e5 overgangsti<span class=\"_ _5\"></span>dspunktet, var endringen i n\u00e5v\u00e6rende tjeneste for CSM 1 086<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">milli<span class=\"_ _5\"></span>oner kroner <span class=\"ls0 ws0\"> </span></span>(<span class=\"lsaf wscf\">927</span> <span class=\"lsb9 wsff\">milli<span class=\"lsaf wsf6\">oner i 202</span></span>4<span class=\"lsaf wsf6\">), og endringen i framtidig tjeneste for CSM var <span class=\"wscf\">663</span></span> <span class=\"lsb9 wsff\">millioner<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> <span class=\"lsaf wscf\">kroner</span> <span class=\"lsaf wscf\">(negativ</span> <span class=\"lsaf wscf\">med <span class=\"wsf6\">4 172</span></span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>illioner i 202</span>4<span class=\"lsc1 wsce\">). </span> </span></span>F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser n\u00e5r gjenv\u00e6rende CSM forventes resultatf\u00f8rt: <span class=\"ls0 ws0\"> </span><table class=\"s w3d2 h524\" id=\"_12afac32-c682-4bc0-9d1f-a2da342f2e9c\"><tr><td></td><td class=\"c x53e y446b wde hd7\"><div class=\"t m2 x267 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">1 \u00e5r ell<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x53f y446b wdd hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Mer enn<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y3fd0 w15c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">under<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">2-<span class=\"lsab wscd\">3 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x540 y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">4-<span class=\"lsab wscd\">5 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x53c y3fd0 wdc hd7\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6-<span class=\"lsa9 ws87\">10 \u00e5r</span><span class=\"lsa9 ws87\"><span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x53f y3fd0 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wsd0\">10 \u00e5r</span> </div></td><td class=\"c x541 y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3fd1 w15c hd9\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Frigivels<span class=\"_ _5\"></span>e av<span class=\"_ _5\"></span> CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd1 wde hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">080</span> </div></td><td class=\"c x53a y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">956</span> </div></td><td class=\"c x540 y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x53c y3fd1 wdc hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">360</span> </div></td><td class=\"c x53f y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">315</span> </div></td><td class=\"c x541 y3fd1 wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td></tr></table>Gjennomsnitt<span class=\"_ _5\"></span>lig durasjon p\u00e5 kontraktene var 1<span class=\"ls0 ws0\">0,</span><span class=\"wscf\">78<span class=\"ls0 ws0\"> </span></span>\u00e5r ved utgangen av desember 202<span class=\"ls0 ws0\">5<span class=\"lsc4 ws115\">. </span> </span>Tabellen nedenfor angi<span class=\"_ _5\"></span>r sammensetningen av bokf\u00f8rt verdi av eiendelene i konsernet som holdes i forbindelse med VFA og andre forsikringsk<span class=\"_ _5\"></span>ontrakter, og som i hovedsak m\u00e5les til virkelig verdi. <span class=\"ls0 ws0\"> </span><table class=\"s w3d3 h525\" id=\"_5938fac2-f85e-4325-a9bd-f3a688463f84\"><tr><td></td><td></td><td class=\"c x4a3 y446c w1bb hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446d w1fe h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x53c y446c w20f hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446d w210 h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446e w20d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446e w200 hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446e w210 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446e w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446e w1fe hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446e w1fe hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446e w210 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446f w20d hdd\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446f w200 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">134<span class=\"ls0 ws0\"> </span>414<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446f w210 hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">288</span> </div></td><td class=\"c x542 y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>703<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">132<span class=\"ls0 ws0\"> </span>378<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446f w1fe hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">571</span> </div></td><td class=\"c x52c y446f w210 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">138<span class=\"ls0 ws0\"> </span>949<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4470 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4a3 y4470 w200 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>182<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4470 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">878</span> </div></td><td class=\"c x542 y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>060<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>898<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4470 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td><td class=\"c x52c y4470 w210 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>572<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4471 w20d hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4471 w200 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">162</span> </div></td><td class=\"c x543 y4471 w210 hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">363<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">525</span> </div></td><td class=\"c x53c y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x52b y4471 w1fe hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4471 w210 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">660</span> </div></td></tr><tr><td class=\"c x3fc y4472 w211 hda\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>(eierben<span class=\"_ _5\"></span>ytte<span class=\"_ _5\"></span>t eien<span class=\"_ _5\"></span>dom)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4472 w200 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">783</span> </div></td><td class=\"c x543 y4472 w210 hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">408<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">191</span> </div></td><td class=\"c x53c y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x52b y4472 w1fe hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">201<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4472 w210 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">872</span> </div></td></tr><tr><td class=\"c x3fc y4473 w211 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2d9 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4473 w200 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td></td><td class=\"c x542 y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td class=\"c x53c y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td><td></td><td class=\"c x52c y4473 w210 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td></tr><tr><td class=\"c x3fc y4474 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4474 w200 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">089</span> </div></td><td class=\"c x543 y4474 w210 hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">278</span> </div></td><td class=\"c x53c y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x52b y4474 w1fe hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">208<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4474 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">887</span> </div></td></tr><tr><td class=\"c x3fc y4475 w20d hd9\"><div class=\"t m2 x19f hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscd\">Sum ei<span class=\"_ _5\"></span>endeler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4475 w200 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">169<span class=\"ls0 ws0\"> </span>329<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4475 w210 hd9\"><div class=\"t m2 x19b hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>126<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>455<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>341<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4475 w1fe hd9\"><div class=\"t m2 x209 hdc y1dae ff2d8 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">916</span> </div></td><td class=\"c x52c y4475 w210 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>257<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Netto forsi<span class=\"_ _1\"></span>kringsresultat<span class=\"ls0 ws0\"> </span>Tabellen nedenfor angi<span class=\"_ _5\"></span>r de viktigste postene under Netto forsikringsresultatet<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span><table class=\"s w3d4 h526\" id=\"_e8d2bf56-1c43-4a03-b14f-03660dd0ac75\"><tr><td class=\"c x3fc y4476 w212 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4476 wdd hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4476 wde hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4477 w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4477 wdd hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">731</span> </div></td><td class=\"c x544 y4477 wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">286</span> </div></td></tr><tr><td class=\"c x3fc y4478 w212 hda\"><div class=\"t m2 x163 hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kontrakts<span class=\"_ _5\"></span>regul<span class=\"_ _5\"></span>ert tj<span class=\"_ _5\"></span>enestem<span class=\"_ _5\"></span>argin f<span class=\"_ _5\"></span>or utf<span class=\"_ _5\"></span>\u00f8rt tje<span class=\"_ _5\"></span>neste<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4478 wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">256</span> </div></td><td class=\"c x544 y4478 wde hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3fc y4479 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Risikojus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng for utl<span class=\"_ _5\"></span>\u00f8pt ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4479 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">190<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4479 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">207<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447a w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Forvente<span class=\"_ _5\"></span>de kra<span class=\"_ _5\"></span>v og a<span class=\"_ _5\"></span>ndre k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447a wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">090</span> </div></td><td class=\"c x544 y447a wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">039</span> </div></td></tr><tr><td class=\"c x3fc y447b w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra ko<span class=\"_ _5\"></span>ntrakte<span class=\"_ _5\"></span>r m\u00e5lt<span class=\"_ _5\"></span> i he<span class=\"_ _5\"></span>nhold ti<span class=\"_ _5\"></span>l PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447b wdd hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x544 y447b wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">947</span> </div></td></tr><tr><td class=\"c x3fc y447c w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kostnad<span class=\"_ _5\"></span>er for <span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngstj<span class=\"_ _5\"></span>enest<span class=\"_ _5\"></span>er, inkl. <span class=\"_ _5\"></span>drifts<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">056</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y447c wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">192</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y447d w212 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Netto inn<span class=\"_ _5\"></span>tekter<span class=\"_ _5\"></span>/kost<span class=\"_ _5\"></span>nader f<span class=\"_ _5\"></span>ra gje<span class=\"_ _5\"></span>nforsikr<span class=\"_ _5\"></span>ingsk<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter gje<span class=\"_ _5\"></span>nnom pe<span class=\"_ _5\"></span>riode<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447d wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447d wde hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">97<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447e w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Result<span class=\"_ _5\"></span>at fra forsikr<span class=\"_ _5\"></span>ingstj<span class=\"_ _5\"></span>enes<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447e wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">580</span> </div></td><td class=\"c x544 y447e wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">191</span> </div></td></tr><tr><td class=\"c x3fc y447f w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er fra u<span class=\"_ _5\"></span>nderlig<span class=\"_ _5\"></span>gend<span class=\"_ _5\"></span>e eie<span class=\"_ _5\"></span>ndeler <span class=\"_ _5\"></span>eller g<span class=\"_ _5\"></span>ruppe av<span class=\"_ _5\"></span> eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r, m\u00e5l<span class=\"_ _5\"></span>t til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447f wdd hd9\"><div class=\"t m2 x19b hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>265<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447f wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td></tr><tr><td class=\"c x3fc y4480 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter el<span class=\"_ _5\"></span>ler <span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">kostnad<span class=\"_ _1\"></span>er</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\"><span class=\"ls0 ws0\"> </span></span></span></div></td><td class=\"c x47f y4480 wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">140</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4480 wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">457</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4481 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5l\u00f8pt<span class=\"_ _5\"></span> p\u00e5 forsi<span class=\"_ _5\"></span>kring<span class=\"_ _5\"></span>savtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4481 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">554</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4481 wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">990</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4482 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved G<span class=\"_ _5\"></span>MM ell<span class=\"_ _5\"></span>er PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4482 wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">(209)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4482 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">195<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4483 w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved V<span class=\"_ _5\"></span>FA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4483 wdd hde\"><div class=\"t m2 x329 hcc y2401 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">377</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4483 wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">338</span> </div></td></tr><tr><td class=\"c x3fc y4484 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle gjen<span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er eller <span class=\"ls0 ws0\">-</span><span class=\"wscb\">kostn<span class=\"_ _5\"></span>ader</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x544 y4484 wde hda\"><div class=\"t m2 x246 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x3fc y4485 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscd\">Finansr<span class=\"_ _5\"></span>esulta<span class=\"_ _5\"></span>t, livs<span class=\"_ _5\"></span>forsikr<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4485 wdd hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4485 wde hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">230<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4486 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Netto fors<span class=\"_ _5\"></span>ikring<span class=\"_ _5\"></span>sresul<span class=\"_ _5\"></span>tat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4486 wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">705</span> </div></td><td class=\"c x544 y4486 wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td></tr></table>Forsikrings<span class=\"_ _5\"></span>inntektene i 202<span class=\"ls0 ws0\">5 </span>besto av 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">148<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakt<span class=\"_ _5\"></span>er hvor det ble benyttet virkelig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rming p\u00e5 overgangs<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tidspunkt<span class=\"_ _5\"></span>et og 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">583<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">millioner for \u00f8vri<span class=\"_ _5\"></span>ge kontrakter.</span></span><span class=\"wscf\"><span class=\"wsd2\"><span class=\"ls0 ws0\"> </span></span></span>S<span class=\"lsc0 ws109\">ensitivit<span class=\"_ _5\"></span>eter</span> Hver sensitivit<span class=\"_ _5\"></span>et er basert p\u00e5 en endring i den a<span class=\"_ _1\"></span>kt<span class=\"_ _5\"></span>uelle parameter eller forutsetning mens alle andre forutsetninger holdes k<span class=\"_ _5\"></span>onstant. I praksis er det lite sannsynli<span class=\"_ _5\"></span>g at dette vil skje, og endringer i forutsetninger forventes \u00e5 v\u00e6re korrelert.<span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Aksjer: Vi<span class=\"_ _5\"></span>rkelig verdi av aksjer reduseres med 25 prosent. <span class=\"wsd2\">Se under Inv<span class=\"_ _5\"></span>esteringseiendommer.</span></span> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendommer: Virkeli<span class=\"_ _5\"></span>g <span class=\"_ _1\"></span>verdi av al<span class=\"_ _5\"></span>le investeringseiendommer reduseres med 10 prosent.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Inkluderer effekt p\u00e5 investerings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>eiendommer presentert<span class=\"_ _5\"></span> som aksjer i balansen, hvor underliggende eiendeler er investeri<span class=\"_ _5\"></span>ngseiendommer. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Rente: Rentekurv<span class=\"_ _5\"></span>en har en parallell opp</span>- <span class=\"lsaf wsf6\">eller nedjustering p\u00e5 50 basispunkter de f\u00f8rste <span class=\"lsbc ws103\">ti</span></span> <span class=\"lsaf wsf6\">\u00e5rene, som representerer den likvide delen av </span></span>kurven. Etter <span class=\"lsbc ws103\">ti<span class=\"ls0 ws0\"> </span></span>\u00e5r er kurven ekstrapolert mot den ultimate terminrenten (UFR). I<span class=\"_ _5\"></span>nkluderer ogs\u00e5 effekt p\u00e5 renteinstrument<span class=\"_ _5\"></span>er. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Margin: Kredit<span class=\"_ _5\"></span>tspreadene \u00f8kes med 50 basispunkter. Diskonteri<span class=\"_ _5\"></span>ngskurvens likviditets<span class=\"_ _5\"></span>premie \u00f8kes med 15 basispunkter.</span> <span class=\"lsaf wsf6\">Ink<span class=\"_ _5\"></span>luderer ogs\u00e5 </span></span>effekt p\u00e5 renteinst<span class=\"_ _5\"></span>rumenter. <span class=\"ls0 ws0\">  </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">D\u00f8delighet <span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">10 prosent: Niv\u00e5et p\u00e5 det beste estimatet for d\u00f8delighet reduseres med 10 prosent, noe som reduserer d\u00f8deli<span class=\"_ _5\"></span>ghetsintensiteten </span></span>for alle \u00e5rene i prognosen. Trenden holdes uendret. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Uf\u00f8rhet +10 prosent og reaktiveri<span class=\"_ _5\"></span>ng </span>-<span class=\"lsaf wsf6\">10 prosent: Beste estimat for uf\u00f8rhet \u00f8kes med 10 prosent for alle \u00e5rene prognosen dekker, mens </span></span>reaktiveringen redus<span class=\"_ _5\"></span>eres med 10 prosent.<span class=\"ls0 ws0\"> </span>Tabellene nedenfor gir i<span class=\"_ _5\"></span>nformasjon om hvordan endringer som er rimelig mulig i forutsetninger om finansiel<span class=\"_ _5\"></span>l risiko og variabl<span class=\"lsc4 ws0\">er<span class=\"_ _5\"></span> knytt<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il </span><span class=\"wscf\">for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>sikrings<span class=\"lsbe ws10b\">r<span class=\"_ _5\"></span>isik<span class=\"_ _5\"></span>o<span class=\"ls0 ws0\">, </span></span><span class=\"wsf6\">p\u00e5vi<span class=\"_ _5\"></span>rker CSM og resultatet. Alle endringer er basert p\u00e5 DNBs eiendeler og gjeld <span class=\"wsd2\">knyttet ti<span class=\"_ _5\"></span>l forsikri<span class=\"_ _5\"></span>ngskontrakter </span>per 31. desember </span>2025. Effektene som vises nedenfor inkluderer den est<span class=\"_ _5\"></span>imerte \u00e5rlige frigivelsen av CSM. <span class=\"ls0 ws0\"> </span><table class=\"s w3d5 h527\" id=\"_54e6c5d4-f699-424c-8097-b87b014500f0\"><tr><td></td><td></td><td></td><td class=\"c x4a6 y4487 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff2db fs53 fc21 sc0 lsab wsd0\">Effekt p\u00e5 ne<span class=\"_ _5\"></span>tto <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x545 y4488 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 lsaa wscd\">Effekt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4488 w6f hd7\"><div class=\"t m2 x4f hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">forsik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span></div></td></tr><tr><td class=\"c x3fc y4489 w213 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2de fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4489 w6e hd7\"><div class=\"t m2 x1b9 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Endring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4489 w6e hd7\"><div class=\"t m2 x247 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">p\u00e5 CSM<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4489 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448a w213 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x546 y448a w6e hd9\"><div class=\"t m2 x20c hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">25 %</span> </div></td><td class=\"c x545 y448a w6e hd9\"><div class=\"t m2 x19e hcc y1dc1 ff2db fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">158</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y448a w6f hd9\"><div class=\"t m2 x1b8 hcc y1dc1 ff2db fs53 fc21 sc0 lsab wscb\">(188)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448b w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448b w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448b w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(347)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448b w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448c w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448c w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448c w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">721</span> </div></td><td class=\"c x4a6 y448c w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">106</span> </div></td></tr><tr><td class=\"c x3fc y448d w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448d w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">50bp</span> </div></td><td class=\"c x545 y448d w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(950)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448d w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(125)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448e w213 hde\"><div class=\"t m2 x19f hcc y1da9 ff2db fs53 fc21 sc0 lsab wsd0\">Spread risi<span class=\"_ _5\"></span>ko<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448e w6e hde\"><div class=\"t m2 x20e hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448e w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448e w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff2db fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448f w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">D\u00f8deligh<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448f w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448f w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(937)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448f w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4490 w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Uf\u00f8rhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4490 w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">+10 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4490 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(181)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4490 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(224)<span class=\"ls0 ws0\"> </span></div></td></tr></table>Solvenskap<span class=\"_ _5\"></span>ital Regulatorisk<span class=\"_ _5\"></span>e kapitalkrav for europeiske forsik<span class=\"_ _5\"></span>ringsselskaper er fastsatt i Solvens II<span class=\"ls0 ws0\">-</span><span class=\"wscf\">direktivet<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Solvensk<span class=\"_ _5\"></span>apitalkravet er satt slik at det er 99,5 prosent sannsynlighet for at samlede tap, herunder forsik<span class=\"_ _5\"></span>ringstap og finansielle tap, over en periode p\u00e5 12 m\u00e5neder ikke overstiger det beregnede kapit<span class=\"_ _5\"></span>alkravet. Beregningene tar hensyn til risikoreduserende <span class=\"wsd2\">t<span class=\"_ _5\"></span>iltak og sys<span class=\"_ _5\"></span>temer. </span>Minstekravet er s<span class=\"_ _5\"></span>att slik at det er 8<span class=\"_ _1\"></span>5 prosent sannsy<span class=\"_ _5\"></span>nlighet for at samlede tap over en periode p\u00e5 12 m\u00e5neder ikke overstiger<span class=\"ls0 ws0\"> </span>det beregnede kapitalkrav<span class=\"_ _5\"></span>et. Regelverket \u00e5pner for bruk av overgangsregler ved beregning av solvenskapit<span class=\"_ _5\"></span>al. I desember 2015 fikk DNB Livsforsikring tillatelse av Finanstilsy<span class=\"_ _5\"></span>net til \u00e5 benytte overgangsreglene for forsikringsmessige avset<span class=\"_ _5\"></span>ninger. Dette gir selskapet anledning til \u00e5 anvende bokf\u00f8rt<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span>forsikringsm<span class=\"_ _5\"></span>essige avsetninger i stedet for markedsverdi av forplik<span class=\"_ _5\"></span>telsene. Overgangsregl<span class=\"_ _5\"></span>ene gjelder i 16 \u00e5r, og reduseres line\u00e6rt fra 1. januar 2017. <span class=\"ls0 ws0\"> </span>Per 31. desember 2025 hadde DNB Livsforsik<span class=\"_ _5\"></span>ring en solvensmargin p\u00e5 261 prosent (f\u00f8r og etter overgangsregler)<span class=\"_ _1c5\"> </span>.<table class=\"s w3d7 h529\" id=\"_2bf0da3e-2bc2-44db-9eb7-4c17374901e3\"><tr><td class=\"c x3fc y449b w98 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449c w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449d w98 hd9\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449e w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Aksjeka<span class=\"_ _5\"></span>pital<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td><td class=\"c x4a6 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td></tr><tr><td class=\"c x3fc y449f w98 hda\"><div class=\"t m2 x163 hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Overkur<span class=\"_ _5\"></span>sfond<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td><td class=\"c x4a6 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td></tr><tr><td class=\"c x3fc y44a0 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td><td class=\"c x4a6 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x548 y44a1 w3d8 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2e7 fs53 fc21 sc0 lsab wscb\">Avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve</div><div class=\"t m2 x547 h121 y3ebb ff2e7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4a5 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>240<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>734<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a3 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>397<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>891<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a4 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44a5 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x4a6 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x3fc y44a6 w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Risikoutj<span class=\"_ _5\"></span>evni<span class=\"_ _5\"></span>ngsfo<span class=\"_ _5\"></span>nd<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">472</span> </div></td></tr><tr><td class=\"c x3fc y44a7 w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>begrens<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a6 y44a7 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">(404)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a8 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">567</span> </div></td></tr><tr><td class=\"c x3fc y44a9 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44aa w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsaa ws0\">Utsatt ska<span class=\"_ _5\"></span>tt<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ab w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ac w98 hdd\"><div class=\"t m2 x19f hdc y1dc1 ff2e6 fs53 fc21 sc0 lsa9 ws87\">Sum so<span class=\"_ _1\"></span>lven<span class=\"_ _1\"></span>skapit<span class=\"_ _1\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44ad w98 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wsd0\">Sum solven<span class=\"_ _5\"></span>skapi<span class=\"_ _5\"></span>tal uten over<span class=\"_ _5\"></span>gangsr<span class=\"_ _5\"></span>egler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr></table>1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Opptj<span class=\"_ _5\"></span>ent e<span class=\"_ _5\"></span>genka<span class=\"_ _5\"></span>pital i<span class=\"_ _5\"></span>nng\u00e5r i a<span class=\"_ _5\"></span>vstemm<span class=\"_ _5\"></span>ingsres<span class=\"_ _5\"></span>erven.<span class=\"_ _5\"></span> I tille<span class=\"_ _5\"></span>gg vi<span class=\"_ _5\"></span>l end<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> kap<span class=\"_ _5\"></span>ital som f<span class=\"_ _5\"></span>\u00f8lge <span class=\"_ _5\"></span>av over<span class=\"_ _5\"></span>gang<span class=\"_ _5\"></span>en til m<span class=\"_ _5\"></span>arked<span class=\"_ _5\"></span>sverdier fo<span class=\"_ _5\"></span>r eien<span class=\"_ _5\"></span>deler <span class=\"_ _5\"></span>og for<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser v<span class=\"_ _5\"></span>\u00e6re </span>en del av avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve<span class=\"_ _5\"></span>n.<span class=\"_ _1c5\"> </span><table class=\"s w3d6 h528\" id=\"_d1f8504c-c3b2-454d-807b-c6cc7cd54532\"><tr><td class=\"c x3fc y4491 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"_ _5\"></span>krav<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y4492 w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4493 w98 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span><span class=\"wscd\">og mo<span class=\"_ _5\"></span>tparts<span class=\"_ _5\"></span>risiko</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4494 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">Forsikringsrisiko<span class=\"_ _5\"></span> </div></td><td class=\"c x4a5 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>666<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4495 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Operasj<span class=\"_ _5\"></span>onell ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">031</span> </div></td><td class=\"c x4a6 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">025</span> </div></td></tr><tr><td class=\"c x3fc y4496 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Diversifi<span class=\"_ _5\"></span>sering<span class=\"_ _5\"></span> mell<span class=\"_ _5\"></span>om mark<span class=\"_ _5\"></span>eds<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span><span class=\"wsd0\">og motpartsri<span class=\"_ _5\"></span>siko og for<span class=\"_ _5\"></span>sikri<span class=\"_ _5\"></span>ngsrisi<span class=\"_ _5\"></span>ko</span><span class=\"wsd0\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">901</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4497 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i uts<span class=\"_ _5\"></span>att sk<span class=\"_ _5\"></span>att<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">025</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4498 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i fors<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gstekni<span class=\"_ _5\"></span>ske <span class=\"_ _5\"></span>avsetni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(16<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">095</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">884</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4499 w98 hdd\"><div class=\"t m2 x19f hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">Solven<span class=\"_ _5\"></span>skapita<span class=\"_ _5\"></span>lkrav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>658<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449a w98 h11f\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Minsteka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span>krav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x4a6 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">911</span> </div></td></tr></table><table class=\"s w3d7 h52a\" id=\"_01fa3f4c-954a-479a-b0a6-e82adf4df79e\"><tr><td class=\"c x3fc y44ae w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvensmargin<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41bb w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44af w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n med ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44b0 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n uten ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInsurancePremiumRevenueExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-442": {
   "value": "Note K43 F<span class=\"_ _1\"></span>orsikringsforpliktelser<span class=\"_ _1c5\"> </span><div class=\"c w73 h1f5 gs1fb\"><div class=\"t m2 x20e hcf y28a2 ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y28a3 ff2bf fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h12c y28a4 ff2bf fs59 fc21 sc0 lsb7 ws100\">Forsi<span class=\"_ _5\"></span>kringskont<span class=\"_ _5\"></span>rakter<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y28a5 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Forsikringsk<span class=\"_ _5\"></span>ontrakter er kontrakter der konsernet p\u00e5tar seg en betydelig forsik<span class=\"_ _5\"></span>ringsrisiko fra en forsikringst<span class=\"_ _5\"></span>aker ved \u00e5 samtykke i \u00e5 betale </div><div class=\"t m2 x20e hcf y28a6 ff2c0 fs55 fc21 sc0 lsaf wsf6\">erstatni<span class=\"_ _5\"></span>ng til forsikringstakeren dersom en angitt usikker framtidi<span class=\"_ _5\"></span>g hendelse p\u00e5virker forsikringst<span class=\"_ _5\"></span>akeren negativt.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Investerings</span>k<span class=\"_ _5\"></span>ontrakter med </div><div class=\"t m2 x20e hcf y28a7 ff2c0 fs55 fc21 sc0 lsaf wsf6\">skj\u00f8nnsmessi<span class=\"_ _5\"></span>ge deler er ogs\u00e5 klassifisert som forsikringsk<span class=\"_ _5\"></span>ontrakter. I konsernet utstedes forsikringsk<span class=\"_ _5\"></span>ontrakter av det heleide datterselsk<span class=\"_ _5\"></span>apet </div><div class=\"t m2 x20e hcf y2fcc ff2c0 fs55 fc21 sc0 lsaf wsf6\">DNB Livsforsikri<span class=\"_ _5\"></span>ng (et livsforsikringss<span class=\"_ _5\"></span>elskap). <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2fcd ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fce ff2c0 fs55 fc21 sc0 lsaf wsf6\">Produkter som tilbys av DNB Livsforsik<span class=\"_ _5\"></span>ring og som er klassifisert som forsikringskont<span class=\"_ _5\"></span>rakter omfatter tradisjonel<span class=\"_ _5\"></span>le garanterte produkter (ytels<span class=\"_ _5\"></span>es<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y2fcf ff2c0 fs55 fc21 sc0 lsaf wsf6\">basert pensjon, fri<span class=\"_ _5\"></span>poliser, gamle individuelle produkter og garanti<span class=\"_ _5\"></span>konto), risikopensjoner og personalforsik<span class=\"_ _5\"></span>ring. Forsikringsk<span class=\"_ _5\"></span>ontrakter presenteres </div><div class=\"t m2 x20e hcf y2fd0 ff2c0 fs55 fc21 sc0 lsaf wsf6\">som \u00abforsikri<span class=\"_ _5\"></span>ngsforpliktelse\u00bb i balansen. I tillegg brukes gjenf<span class=\"_ _5\"></span>orsikringskontrakter for \u00e5 redusere risiko<span class=\"wscf\">ek<span class=\"_ _5\"></span>spo<span class=\"wsd2\">neringen. Diss<span class=\"_ _5\"></span>e kontraktene er </span></span></div><div class=\"t m2 x20e hcf y2fd1 ff2c0 fs55 fc21 sc0 lsaf wsf6\">presentert som \u00abandre eiendeler\u00bb i balans<span class=\"_ _5\"></span>en.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2fd2 ff2c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fd3 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Flere invest<span class=\"_ _5\"></span>eringskontrakter (herunder unit li<span class=\"_ _5\"></span>nk<span class=\"ls0 ws0\">-</span>kontrakter) og innskuddspensj<span class=\"_ _5\"></span>on i DNB Livsforsikring klassifiseres ikke som </div><div class=\"t m2 x20e hcf y2fd4 ff2c0 fs55 fc21 sc0 lsaf wsf6\">forsikringsk<span class=\"_ _5\"></span>ontrakter. Disse kontrakt<span class=\"_ _5\"></span>ene klassifiseres og m\u00e5les som finansielle instrumenter (IFRS 9), se ytterl<span class=\"_ _5\"></span>igere informasjon i<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">note K<span class=\"_ _5\"></span>34<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2fd5 ff2c0 fs55 fc21 sc0 lsaf wsd2\">Eiendeler <span class=\"_ _5\"></span>og forpliktelser,<span class=\"_ _5\"></span> kunder b\u00e6rer <span class=\"_ _5\"></span>risikoen<span class=\"lsc1 wsce\">. </span></div><div class=\"t m2 x20e hcf y2fd6 ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fd7 ff2c0 fs55 fc21 sc0 lsaf wscf\">M\u00e5lemetode<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2fd8 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Hovedtrekkene i den generelle m\u00e5lem<span class=\"_ _5\"></span>odellen (GMM) for m\u00e5ling av forsikringsf<span class=\"_ _5\"></span>orpliktelser er:<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2fd9 ff2c1 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse representerer n\u00e5v<span class=\"_ _5\"></span>erdien av framtidige kontantstr\u00f8mmer inkludert<span class=\"_ _5\"></span> en risikojustering for ikke</span>-<span class=\"lsaf wsf6\">finans<span class=\"_ _5\"></span>iell risiko. </span></span></div><div class=\"t m2 x134 hcf y2fda ff2c0 fs55 fc21 sc0 lsaf wsf6\">Beregningene er gjort p\u00e5 gruppeniv\u00e5 for f<span class=\"_ _5\"></span>orsikringskontrakter.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2fdb ff2c1 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">Forplikt<span class=\"_ _5\"></span>elsene inkluderer <span class=\"_ _5\"></span>estimert kontraktsregul<span class=\"_ _5\"></span>ert tjenes<span class=\"_ _5\"></span>te<span class=\"wsf6\">margin (CSM), som representerer det ikke</span></span>-<span class=\"lsaf wsf6\">opptjent<span class=\"_ _5\"></span> gevinst</span>-<span class=\"lsaf wsd2\">elementet i<span class=\"_ _5\"></span> </span></span></div><div class=\"t m2 x134 hcf y2fdc ff2c0 fs55 fc21 sc0 lsaf wscf\">forsikringsk<span class=\"_ _5\"></span>ontraktene. <span class=\"wsf6\">CSM resultatf<span class=\"_ _5\"></span>\u00f8res over forsikringskontraktenes deknings<span class=\"_ _5\"></span>periode.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y2fdd ff2c1 fs55 fc21 sc0 ls0 ws0\"><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Visse endringer i estimat<span class=\"_ _5\"></span>ene for n\u00e5verdien av framtidige kontantstr\u00f8mmer og risikoj<span class=\"_ _5\"></span>usteringen for ikke</span>-<span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell risiko justeres mot CSM og </span></span></div><div class=\"t m2 x134 hcf y2fde ff2c0 fs55 fc21 sc0 lsaf wsf6\">regnskapsf\u00f8<span class=\"_ _5\"></span>res i resultatregnskapet over den gjenv\u00e6rende dekningsperioden for de aktuell<span class=\"_ _5\"></span>e kontraktene. Effekten av <span class=\"wsd2\">endringer i t<span class=\"_ _5\"></span>idsverdi </span></div><div class=\"t m2 x134 hcf y2fdf ff2c0 fs55 fc21 sc0 lsaf wsf6\">av penger og andre finansielle risikoer,<span class=\"_ _5\"></span> som ikke justerer CSM, regnskapsf\u00f8res i resultat<span class=\"_ _5\"></span>regnskapet. DNB har valgt \u00e5 ikke benytte OCI<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x134 hcf y2fe0 ff2c0 fs55 fc21 sc0 lsaf wsf6\">opsjonen som er tillatt etter IFRS 17.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2fe1 ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fe2 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Risikopensj<span class=\"_ _5\"></span>oner m\u00e5les i henhold til GMM.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2fe3 ff2c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fe4 ff2c0 fs55 fc21 sc0 lsaf wsf6\">\u00abVariable fee\u00bb<span class=\"ls0 ws0\">-</span>t<span class=\"_ _5\"></span>iln\u00e6rmingen (VFA) er en variant av GMM og gjelder forsikringskontrakt<span class=\"_ _5\"></span>er med elementer av direkte deltakelse (kontrakter med </div><div class=\"t m2 x20e hcf y2fe5 ff2c0 fs55 fc21 sc0 lsaf wsf6\">et betydelig element av investerings<span class=\"_ _5\"></span>relaterte tjenest<span class=\"_ _5\"></span>er knyttet til avkastningen p\u00e5 de underliggende postene). Underli<span class=\"_ _5\"></span>ggende poster best\u00e5r av </div><div class=\"t m2 x20e hcf y2fe6 ff2c0 fs55 fc21 sc0 lsaf wsf6\">spesifisert<span class=\"_ _5\"></span>e portef\u00f8ljer av investeringer som fastsett<span class=\"_ _5\"></span>er bel\u00f8p som skal tilfalle forsikri<span class=\"_ _5\"></span>ngstakere. Ledelsen bruker skj\u00f8nn for \u00e5 vurdere om </div><div class=\"t m2 x20e hcf y2fe7 ff2c0 fs55 fc21 sc0 lsaf wsf6\">kriteri<span class=\"_ _5\"></span>ene for bruk av VFA er oppf<span class=\"_ _1\"></span>ylt, der relev<span class=\"_ _5\"></span>ante elementer av deltagelse, inkludert overskudds<span class=\"_ _5\"></span>deling mellom kontrakter, tas i betraktning. </div><div class=\"t m2 x20e hcf y2fe8 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Under VFA vil ogs\u00e5 estimert framtidig \u00abvariabl<span class=\"_ _5\"></span>e fee\u00bb, som inkluderer endringer i diskonteringsrente og noen andre finans<span class=\"_ _5\"></span>ielle<span class=\"ls0 ws0\"> </span>effekt<span class=\"_ _5\"></span>er, justeres </div><div class=\"t m2 x20e hcf y2fe9 ff2c0 fs55 fc21 sc0 lsce ws12f\">mot CSM<span class=\"_ _1\"></span>. VFA<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">produktene har en investeringskomponent. N\u00e5r</span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>an vurderer om produkter har en investeringskomponent, tas det hensyn til </span></span></div><div class=\"t m2 x20e hcf y2fea ff2c0 fs55 fc21 sc0 lsaf wsf6\">relevante el<span class=\"_ _5\"></span>ementer av deltagelse, inkludert overskudds<span class=\"wsd2\">del<span class=\"_ _5\"></span>ing mellom kont<span class=\"_ _5\"></span>rakter.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y2feb ff2c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fec ff2c0 fs55 fc21 sc0 lsaf wsf6\">VFA brukes for de fleste livsforsikri<span class=\"_ _5\"></span>ngsproduktene, inkl<span class=\"_ _5\"></span>udert de tradisjonelle garanterte produktene.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2fed ff2c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2fee ff2c0 fs55 fc21 sc0 lsaf wsf6\">Premiefordel<span class=\"_ _5\"></span>ingsmetoden (PAA) er en valgfri forenklet m\u00e5lemodel<span class=\"_ _5\"></span>l, i hovedsak for kortsiktige kontrakter med dekningsperiode p\u00e5 inntil 12 </div><div class=\"t m2 x20e hcf y2fef ff2c0 fs55 fc21 sc0 lsaf wsf6\">m\u00e5neder. Denne metoden brukes for personal<span class=\"_ _5\"></span>forsikring og gjenforsikring. DNB har for PAA valgt \u00e5 kostnadsf\u00f8re kont<span class=\"_ _5\"></span>ant<span class=\"ls0 ws0\">s</span><span class=\"wsd2\">tr\u00f8mmer ved </span></div><div class=\"t m2 x20e hcf y2ff0 ff2c0 fs55 fc21 sc0 lsaf wsf6\">anskaffelse n\u00e5r de p\u00e5l\u00f8per. Forplik<span class=\"_ _5\"></span>telsen for inntrufne skader i PAA justeres for tidsverdi<span class=\"_ _5\"></span>en av penger <span class=\"_ _1\"></span>og virkni<span class=\"_ _5\"></span>ngen av finansiell risiko. </div><div class=\"t m2 x20e hcf y2ff1 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>forpliktelser innenfor PAA er opprinnelig innregnet<span class=\"_ _5\"></span> som mottatte premieinntekter.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2ff2 ff2c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2ff3 ff2c0 fs55 fc21 sc0 lsaf wsf6\">M\u00e5lingen av forsikringsf<span class=\"_ _5\"></span>orpliktelser oppdateres<span class=\"_ _5\"></span> basert p\u00e5 gjeldende forutsetninger ved utgangen av hver rapporterings<span class=\"_ _5\"></span>periode, herunder </div><div class=\"t m2 x20e hcf y2ff4 ff2c0 fs55 fc21 sc0 lsaf wsf6\">oppdatert disk<span class=\"_ _5\"></span>onteringsrente.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2ff5 ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2ff6 ff2c0 fs55 fc21 sc0 lsaf wsd2\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyl<span class=\"_ _5\"></span>lelse<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2ff7 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse inkluderer bel\u00f8p konsernet forvent<span class=\"_ _5\"></span>er \u00e5 innhente fra premier og utbetalinger til krav, ytelser<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>og kostnader. </div><div class=\"t m2 x20e hcf y2ff8 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Estimatene hensynt<span class=\"_ _5\"></span>ar eksplisitt justering for ikke<span class=\"ls0 ws0\">-</span>f<span class=\"_ _5\"></span>inansiell risiko og er basert p\u00e5 forholdene p\u00e5 balansedagen. For<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">\u00e5 <span class=\"_ _5\"></span>beregne framtidige </span></div><div class=\"t m2 x20e hcf y2ff9 ff2c0 fs55 fc21 sc0 lsaf wsd2\">kontantst<span class=\"_ _5\"></span>r\u00f8mmer for fors<span class=\"_ _5\"></span>ikringskontrakter <span class=\"_ _5\"></span>benyttes kontantst<span class=\"_ _5\"></span>r\u00f8mmene i Solv<span class=\"_ _5\"></span>ens II<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">direktiv<span class=\"_ _5\"></span>et som grunnlag for beregningene, med enkelte </span></div><div class=\"t m2 x20e hcf y2ffa ff2c0 fs55 fc21 sc0 lsaf wsf6\">justeri<span class=\"_ _5\"></span>nger. Estimatene vil blant annet omfatte stokastisk modell<span class=\"_ _5\"></span>ering (risikon\u00f8ytrale metoder) for<span class=\"ls0 ws0\"> </span>\u00e5 m\u00e5le finansiel<span class=\"_ _5\"></span>le opsjoner og garantier.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y2ffb ff2c0 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y2ffc ff2c0 fs55 fc21 sc0 lsaf wsd2\">Risikojusteri<span class=\"_ _5\"></span>ngene for ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">finansiell risik<span class=\"_ _5\"></span>o, hovedsakelig knyttet til risiko for uf\u00f8rhet og forventet levealder, beregnes<span class=\"_ _5\"></span> etter samme metode som </span></div><div class=\"t m2 x20e hcf y2ffd ff2c0 fs55 fc21 sc0 lsaf wsf6\">for risikomarginen under S<span class=\"_ _5\"></span>olvens II, men i noen grad med andre forutsetninger. Den beregnede risiko<span class=\"wscf\">jus<span class=\"_ _5\"></span>tering</span>en tilsvarer et konfi<span class=\"_ _5\"></span>densniv\u00e5 p\u00e5 88 </div><div class=\"t m2 x20e hcf y2ffe ff2c0 fs55 fc21 sc0 lsaf wscf\">prosent.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y2fff ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3000 ff2c0 fs55 fc21 sc0 lsaf wscf\">Diskonterings<span class=\"_ _5\"></span>rente<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3001 ff2c0 fs55 fc21 sc0 lsaf wsf6\">Metoden som brukes for \u00e5 beregne den markedsbaserte diskont<span class=\"_ _5\"></span>eringsrenten er basert p\u00e5 en \"bottom<span class=\"ls0 ws0\">-</span><span class=\"wscf\">up\"<span class=\"ls0 ws0\">-</span></span>metode. Den risik<span class=\"_ _5\"></span>ofrie renten er </div><div class=\"t m2 x20e hcf y3002 ff2c0 fs55 fc21 sc0 lsaf wsf6\">avledet av den norske swaprenten de f\u00f8rst<span class=\"_ _5\"></span>e ti \u00e5rene. Kredittrisiko er justert for ved \u00e5 benytte samme metode som ved fastsettelse av Solvens II<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x20e hcf y3003 ff2c0 fs55 fc21 sc0 lsaf wsf6\">direktivets<span class=\"_ _5\"></span> rentekurve. Etter ti \u00e5r ekstrapoleres rent<span class=\"_ _5\"></span>ekurven til en forward rate etter Smith<span class=\"ls0 ws0\">-<span class=\"lsbe ws10b\">Wils<span class=\"_ _5\"></span>on</span>-</span>metoden. Det legges til en illikv<span class=\"_ _5\"></span>iditets<span class=\"_ _1c5\"> </span>premie for </div><div class=\"t m2 x20e hcf y3004 ff2c0 fs55 fc21 sc0 lsaf wsf6\">hele l\u00f8peti<span class=\"_ _5\"></span>den under forutsetning av at forpliktelsene er illikvide gjennom hele p<span class=\"wscf\">eri<span class=\"_ _5\"></span>oden<span class=\"_ _1c5\"> </span></span><span class=\"wscf\">.<span class=\"_ _1c5\"> </span></span><span class=\"wscf\"><span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y3005 ff2c0 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3006 ff2c0 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></div>Aggregeringsniv<span class=\"_ _5\"></span>\u00e5<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontraktene er delt inn i grupper av kontrakter. En portef\u00f8lje best\u00e5r av kontrakter som er underlagt li<span class=\"_ _5\"></span>gnende risiko og som forvaltes sammen. Port<span class=\"_ _5\"></span>ef\u00f8ljen vil v<span class=\"_ _5\"></span>idere bli delt <span class=\"_ _5\"></span>inn i <span class=\"_ _5\"></span>l\u00f8nnsom<span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span></span><span class=\"wsf6\">grupper og \u00e5rganger (\u00e5rlige kohorter).<span class=\"_ _5\"></span> For kontrakter m\u00e5lt etter VFA gjelder \"carve<span class=\"ls0 ws0\">-</span><span class=\"wscf\">out\"<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>unntaket godkj<span class=\"_ _5\"></span>ent av EU for \u00e5rlige ko<span class=\"wscf\">horter.<span class=\"ls0 ws0\"> </span></span>Kontraktens grense<span class=\"ls0 ws0\"> </span>Konsernet benytter begrepet<span class=\"_ _5\"></span> kontraktens grense for \u00e5 bestemme hvilke kontantst<span class=\"_ _5\"></span>r\u00f8mmer som s<span class=\"_ _1\"></span>kal<span class=\"_ _5\"></span> inng\u00e5 i m\u00e5lingen av grupper av forsikringsk<span class=\"_ _5\"></span>ontrakter. For de fleste tradisjonell<span class=\"_ _5\"></span>e garanterte produkter vurderes kontraktenes grens<span class=\"_ _5\"></span>er \u00e5 v\u00e6re langsiktige, noe<span class=\"ls0 ws0\"> <span class=\"lscd ws133\">som i<span class=\"_ _5\"></span></span></span>nneb\u00e6rer at alle framtidi<span class=\"_ _5\"></span>ge premier inng\u00e5r i kontantstr\u00f8mmene. Risikopensj<span class=\"_ _5\"></span>oner, garantikonto og personalfors<span class=\"_ _5\"></span>ikring har en kontraktsgrense p\u00e5 ett \u00e5r. Gjenforsikri<span class=\"_ _5\"></span>ngskontrakter har en kontraktsgrens<span class=\"_ _5\"></span>e p\u00e5 tre m\u00e5neder.<span class=\"ls0 ws0\"> </span>Innregning i res<span class=\"_ _5\"></span>ultatregnskapet<span class=\"ls0 ws0\"> </span>Linjen \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb inkluderer b\u00e5de resultat f<span class=\"_ _5\"></span>ra forsikringstjenester og finansres<span class=\"_ _5\"></span>ultat, livsforsikri<span class=\"_ _5\"></span>ng.<span class=\"ls0 ws0\"> </span>Resultat fra forsik<span class=\"_ _5\"></span>ringstjenester omfatter f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntekt, herunder frigiv<span class=\"_ _5\"></span>else av CSM og risikojustering i perioden.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kostnader for fors<span class=\"_ _5\"></span>ikringstjenester, herunder driftsk<span class=\"_ _5\"></span>ostnader knyttet til forsikringsk<span class=\"_ _5\"></span>ontrakter.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Netto inntekt / kostnad fra gjenf<span class=\"_ _5\"></span>orsikringskontrakter gjennom perioden.</span> </span>Finansres<span class=\"_ _5\"></span>ultat, livsforsikring inkluderer f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngsinntekter fra underliggende eiendeler ell<span class=\"_ _5\"></span>er gruppe av eiendeler, m\u00e5lt til virkelig verdi.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle forsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle gjenforsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span>Frigivelsen av CSM i resultatregnskapet<span class=\"_ _5\"></span> bestemmes av allokering av CSM ved utgangen av rapporteringsperioden for innev\u00e6rende <span class=\"wscf\">og </span>forventede gjenv\u00e6rende dek<span class=\"_ _5\"></span>ningsperiode for gruppen av forsikringskont<span class=\"_ _5\"></span>rakter, basert p\u00e5 dekningsenheter. Deknings<span class=\"_ _5\"></span>perioden er per<span class=\"wscf\">ioden </span>foretaket yter fors<span class=\"_ _5\"></span>ikringskontrakttj<span class=\"_ _5\"></span>enester. Forsikringskontrak<span class=\"_ _5\"></span>ttjenester inkluderer dek<span class=\"_ _5\"></span>ning for en forsikret hendelse, inves<span class=\"wscf\">teringsavk<span class=\"_ _5\"></span>astnings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>tjeneste og investeri<span class=\"_ _5\"></span>ngsrelatert tjeneste der det er relevant. Dekningsenhet<span class=\"_ _5\"></span>er for gruppen av forsikringskontrakter f<span class=\"_ _5\"></span>astsettes ved \u00e5 vurdere mengden av ytelser for hver kontrakt og dens forventet dekni<span class=\"_ _5\"></span>ngsperiode. Mengden av ytelser for investeringsavkastni<span class=\"_ _5\"></span>ng og inve<span class=\"wscf\">steringsrelatert </span>tjenester er eiendel<span class=\"_ _5\"></span>er under forvaltning, og for en forsikret hendelse er det forventede utbetalte ytels<span class=\"_ _5\"></span>er. Den relative vektingen av ytelsene for hver rapporterings<span class=\"_ _5\"></span>periode for tradisjonelle garant<span class=\"_ _5\"></span>erte produkter er basert p\u00e5 det maksimale av garantert rente og forventet a<span class=\"ls0 ws0\">v</span>kastning p\u00e5 eiendeler i perioden,<span class=\"_ _5\"></span> sammenliknet med forventede utbetalte ytelser. Konsernet har valgt \u00e5 diskontere deknings<span class=\"_ _5\"></span><span class=\"wsd2\">enheter med s<span class=\"_ _5\"></span>amme </span>diskonterings<span class=\"_ _5\"></span>rente som ved diskontering av kontantstr\u00f8mmer.<span class=\"ls0 ws0\"> </span>For frigivels<span class=\"_ _5\"></span>en av CSM behandles hvert kvartal som en atskilt del\u00e5rsrapporteringsperiode.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Endringer som er knyttet til n\u00e5v\u00e6rende eller ti<span class=\"_ _5\"></span>dligere tjenester, regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atregnskapet, og endringer som er knyttet til framt<span class=\"_ _5\"></span>idige tjenester, i<span class=\"_ _5\"></span>nnregnes ved balansef\u00f8ring mot CSM eller mot tapskomponenten.<span class=\"ls0 ws0\"> </span>Frigivelsen av risikoj<span class=\"_ _5\"></span>usteringen er basert p\u00e5 utviklingen i kapitalkost<span class=\"_ _5\"></span>naden for hver periode. Hele endringen av risikojusteri<span class=\"_ _5\"></span>ngen, inkludert finanseff<span class=\"_ _5\"></span>ekten, inng\u00e5r i resultat fra forsikrings<span class=\"wscf\">tj<span class=\"_ _5\"></span>enester.<span class=\"ls0 ws0\"> </span></span>Forventet og faktisk tilbak<span class=\"_ _5\"></span>ebetaling av investeringskomponent<span class=\"_ _5\"></span>en under VFA vil ikke v\u00e6re en del av for<span class=\"_ _1\"></span>sikri<span class=\"_ _5\"></span>ngsinntekter og kostnader for forsikringst<span class=\"_ _5\"></span>jenester.<span class=\"ls0 ws0\"> </span>Tapsbringende k<span class=\"_ _5\"></span>ontrakter innregnes umiddelbart som tap under kostnader for forsik<span class=\"_ _5\"></span>ringstjenester.<span class=\"ls0 ws0\"> </span>For kontrakter m\u00e5lt under VFA vil finansresultat<span class=\"_ _5\"></span>et v\u00e6re tiln\u00e6rmet null, fordi forsik<span class=\"_ _5\"></span>ringsfinansinntekter eller <span class=\"ls0 ws0\">-</span>kost<span class=\"_ _5\"></span>nader som omfatter endringer i virkelig verdi av underli<span class=\"_ _5\"></span>ggende poster (unntatt tillegg og uttak) vil v\u00e6re tiln\u00e6rmet likt s<span class=\"_ _5\"></span>om investeringsinntektene fra underliggende eiendeler m\u00e5lt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"ls0 ws0\"> </span>I konsernet utstedes forsikri<span class=\"_ _5\"></span>ngskontrakter av det heleide datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring AS. Alle tall i denne noten repr<span class=\"ws114\">esent<span class=\"_ _5\"></span>erer konsernets </span>forsikringsf<span class=\"_ _5\"></span>orpliktelser, med unntak av referanser t<span class=\"_ _5\"></span>il solvenskapital, som er oppgitt for datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring <span class=\"lsd3\">AS.<span class=\"ls0 ws0\"> </span></span>Forsikri<span class=\"_ _1\"></span>ngskontrakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter omfatter tradisj<span class=\"_ _5\"></span>onelle garanterte produkter, risikopensj<span class=\"_ _5\"></span>oner og personalforsikring. Portef<span class=\"_ _5\"></span>\u00f8ljen av tradisjonelle garanterte produkter er stengt for nytegninger,<span class=\"_ _5\"></span> noe som betyr at den er under av<span class=\"_ _1\"></span>vikl<span class=\"_ _5\"></span>ing.<span class=\"_ _1c5\"> </span>Tradi<span class=\"_ _1\"></span>sjonel<span class=\"_ _1\"></span>le g<span class=\"_ _1\"></span>arante<span class=\"_ _1\"></span>rte pro<span class=\"_ _1\"></span>dukt<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span>De st\u00f8rste portef\u00f8lj<span class=\"_ _5\"></span>ene i denne kategorien er ytelsespensjon og fripoliser. <span class=\"ls0 ws0\"> </span>Ytelses<span class=\"_ _5\"></span>pensjon kan omfatte alderspensjon, uf\u00f8repensjon, ekt<span class=\"_ _5\"></span>efellepensjon, samboerpensjon ell<span class=\"_ _5\"></span>er barnepensjon. <span class=\"wscf\">Ved alder</span>spensj<span class=\"_ _5\"></span>on utbetales pensjonen<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">f<span class=\"_ _5\"></span>ra en avtalt alder og s\u00e5 lenge den <span class=\"_ _1\"></span>fors<span class=\"_ _5\"></span>ikrede lever. Det kan ogs\u00e5 avtales at pensjonsutbetalingene opph\u00f8rer ved en viss alder. </span>Utover spareprem<span class=\"_ _5\"></span>ie, innbet<span class=\"_ _5\"></span>ales e<span class=\"wsf6\">n premie for renterisik<span class=\"_ _5\"></span>o, forsikringsrisiko og administrasjon<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span></span>p\u00e5 forh\u00e5nd.<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">Yt<span class=\"_ _5\"></span>elsespensjon inkluderer en \u00e5rlig </span>garantert avkast<span class=\"_ _5\"></span>ning til forsikringstakeren.<span class=\"_ _5\"></span> <span class=\"wscf\">Tildeling </span>til forsik<span class=\"_ _5\"></span>ringstakeren er definert i for<span class=\"wscf\">sikringsvi<span class=\"_ _5\"></span>rksomhetsloven</span>, og selskapet kan benytte bufferkont<span class=\"_ _5\"></span>oer for \u00e5 oppfylle den garanterte avkastningen<span class=\"ls0 ws0\">.  </span>N\u00e5r et medlem trer ut av en pensjonsavtale eller en pensjonsavtale opph\u00f8rer, har medlemmet krav p\u00e5 en fripol<span class=\"_ _5\"></span>ise. Rettighetene<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">som er oppt<span class=\"_ _5\"></span>jent </span>p\u00e5 oppsigelsesti<span class=\"_ _5\"></span>dspunktet videref\u00f8res i fripol<span class=\"_ _5\"></span>iser. Fripoliser har en egen overskuddsfordelingsm<span class=\"_ _5\"></span>odell<span class=\"lsc4 ws0\">. S</span>el<span class=\"_ _5\"></span>skapet kan<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">som for y<span class=\"_ _5\"></span>telsespensjon<span class=\"ls0 ws0\">, </span></span>benytte bufferk<span class=\"_ _5\"></span>ontoer <span class=\"wsf6\">for \u00e5 oppfylle den garanterte avkast<span class=\"_ _5\"></span>ningen.<span class=\"ls0 ws0\"> </span></span>Ri<span class=\"lsb7 ws100\">sikope<span class=\"_ _5\"></span>nsjoner<span class=\"ls0 ws0\"> </span></span>En risikopensjon er knyttet ti<span class=\"_ _5\"></span>l en innskuddspensjon<span class=\"lscd ws12a\">, s<span class=\"_ _5\"></span>om <span class=\"_ _5\"></span><span class=\"lsbc ws0\">kan<span class=\"_ _1\"></span> omfatte<span class=\"_ _1\"></span><span class=\"ls0\"> <span class=\"lsaf wscf\">innskuddsfrit<span class=\"_ _5\"></span>ak,</span> <span class=\"lsaf wsf6\">uf\u00f8repensjon, ektefellepens<span class=\"_ _5\"></span>jon, samboerpensjon eller </span></span></span></span>barnepensjon. <span class=\"_ _5\"></span>Innskuddsfritak<span class=\"_ _5\"></span><span class=\"lsbd ws104\">et<span class=\"ls0 ws0\"> </span></span><span class=\"wsf6\">er obligat<span class=\"_ _5\"></span>orisk for alle bedrifter i Norge,<span class=\"ls0 ws0\"> </span></span>Pers<span class=\"_ _5\"></span>onalforsik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span>Personalf<span class=\"_ _5\"></span>orsikring er et ett\u00e5rig risikoprodukt, som kan omfatte gruppelivs<span class=\"_ _5\"></span>forsikring, ulykk<span class=\"_ _5\"></span>esforsikring eller helseforsikri<span class=\"_ _5\"></span>ng<span class=\"wsd2\">. Yrkesskadef<span class=\"_ _5\"></span>orsikring </span>er obligatorisk<span class=\"_ _5\"></span> for alle bedrifter i Norge. <span class=\"ls0 ws0\"> </span>Risiko i for<span class=\"_ _1\"></span>sikringskontrakter<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span>Risiko i forsik<span class=\"_ _5\"></span>ringskontrakter omfatter finansi<span class=\"_ _5\"></span>ell risiko og forsikringsrisiko, i til<span class=\"_ _5\"></span>legg til operasjonell risiko og forretnings<span class=\"_ _5\"></span>risiko. Finansiell risiko omfatter k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"lsbe ws104\">, l<span class=\"_ _5\"></span>ikvi<span class=\"_ _5\"></span>dit<span class=\"_ _5\"></span>ets</span>- </span><span class=\"wsf6\">og mark<span class=\"_ _5\"></span>edsrisiko. Markedsrisik<span class=\"_ _5\"></span>o er risiko knyttet til aksjekurs, rente</span>r <span class=\"_ _5\"></span>og eiendom. Fors<span class=\"_ _5\"></span>ikringsrisiko k<span class=\"_ _5\"></span>nytter seg i hovedsak til endringer i framt<span class=\"_ _5\"></span>idige forsikringsutbetali<span class=\"_ _5\"></span>nger som f\u00f8lge av endringer i forventet levealder (d\u00f8delighet) og uf\u00f8rhet.<span class=\"_ _5\"></span> Risiko knyttet til forsikrings<span class=\"wsf6\">k<span class=\"_ _5\"></span>ontrakter blir i varierende grad delt mellom forsikringst<span class=\"_ _5\"></span>akeren og selskapet. <span class=\"ls0 ws0\"> </span></span>Marked<span class=\"_ _1\"></span>srisi<span class=\"_ _1\"></span>ko<span class=\"ls0 ws0\"> </span>Hovedrisikoen er at finans<span class=\"_ _5\"></span>avkastning ikke vil v\u00e6re tilstrekkelig til \u00e5 oppfylle forplikt<span class=\"_ _5\"></span>elsene som er angitt i forsikringspolis<span class=\"_ _5\"></span>er, og som inkluderer den \u00e5rlige garanterte avk<span class=\"_ _5\"></span>astningen. Gjennomsnittet f<span class=\"_ _5\"></span>or den garanterte avkastningen p\u00e5 forsikringsforplik<span class=\"_ _5\"></span>telsene var 2,9 prosent per <span class=\"ls0 ws0\"> </span>31. desember 2025 og 2,9 prosent per 31. desember 2024. Dersom avkastning<span class=\"wscf\">en<span class=\"ls0 ws0\"> </span></span>for et \u00e5r er mindre enn den garanterte avk<span class=\"_ _5\"></span>astningen, kan selskapet<span class=\"ls0 ws0\"> </span>benyt<span class=\"_ _5\"></span>te <span class=\"wsf6\">tilgjengelige bufferkont<span class=\"_ _5\"></span>oer<span class=\"ls0 ws0\"> </span>til \u00e5 dekke manglende avkastning<span class=\"lsb9 ws123\">. Ellers<span class=\"ls0 ws0\"> </span></span></span>m\u00e5 selskap<span class=\"lsc4 ws115\">et </span><span class=\"wsf6\">kompens<span class=\"_ _5\"></span>ere for manglende avkastning.<span class=\"ls0 ws0\"> </span></span>Forsi<span class=\"_ _5\"></span>kringsris<span class=\"_ _5\"></span>iko <span class=\"ls0 ws0\"> </span>Forsikrings<span class=\"_ _5\"></span>risiko oppst\u00e5r n\u00e5r faktiske dat<span class=\"_ _5\"></span>a for d\u00f8delighet, uf\u00f8rhet og erstatningskrav avviker fra de forutsetni<span class=\"_ _5\"></span>ngene som ligger til grunn for beregningsgrunnlaget<span class=\"_ _5\"></span> for premier og avsetninger. For eksempel vil en generell \u00f8kning i forventet levealder eller uf\u00f8rhet f\u00f8re til \u00f8kte ut<span class=\"_ _5\"></span>betalinger etter forsikri<span class=\"_ _5\"></span>ngsavtalen. L\u00f8nnsomheten kan dermed svekkes dersom faktisk d\u00f8deli<span class=\"_ _5\"></span>ghet eller uf\u00f8rhet avviker vesentlig fra prisf<span class=\"_ _5\"></span><span class=\"wscf\">orventningene. <span class=\"ls0 ws0\"> </span></span>Likv<span class=\"_ _1\"></span>iditet<span class=\"_ _1\"></span>srisiko<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span>Likvidit<span class=\"_ _5\"></span>etsrisiko er risikoen for at DNB ikke er i stand til \u00e5 innfri sine forpliktels<span class=\"_ _5\"></span>er ved forfall, eller ikke klarer \u00e5 m\u00f8t<span class=\"wsd2\">e sine li<span class=\"_ _5\"></span>kviditetsforpl<span class=\"_ _5\"></span>iktelser </span>uten at kostnaden ved dette \u00f8ker for mye. DNB styrer likvidit<span class=\"_ _5\"></span>etsrisikoen slik at konsernet til enhver tid har tilstrekk<span class=\"_ _5\"></span>elige likvide midler til \u00e5 oppfylle sine forpl<span class=\"_ _5\"></span>iktelser. Fors<span class=\"_ _5\"></span>ikringsforplikt<span class=\"_ _5\"></span>elsen<span class=\"ls0 ws0\">e </span><span class=\"wscf\">har gjennomsnittl<span class=\"_ _5\"></span>ig <span class=\"wsf6\">lang durasjon sammenliknet med aktivaplass<span class=\"_ _5\"></span>eringene, som har relativt kort </span></span>durasjon. Likvidi<span class=\"_ _5\"></span>tetsrisikoen har generelt bli<span class=\"_ _5\"></span>tt vurdert til<span class=\"ls0 ws0\"> </span>\u00e5 v\u00e6re lav for forsikringsforpl<span class=\"_ _5\"></span>iktelser. <span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser en forfal<span class=\"_ _5\"></span>lsanalyse av konsernets forsikrings<span class=\"wscf\">kontrak<span class=\"_ _5\"></span>ter<span class=\"wsd2\">, som <span class=\"_ _5\"></span>reflekterer t<span class=\"_ _5\"></span>idsintervallene f<span class=\"_ _5\"></span>or </span></span>n\u00e5verdi<span class=\"_ _5\"></span>en av <span class=\"wscf\">forventede </span>framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmer<span class=\"ls0 ws0\">. </span><table class=\"s w3c9 h51d\" id=\"_808f149c-32a5-4ca0-b1ed-ac607bb494df\"><tr><td></td><td class=\"c x523 y4444 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Betalin<span class=\"_ _5\"></span>g p\u00e5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4444 wde hd7\"><div class=\"t m2 x247 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Inntil<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4444 wdf hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4444 wde hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 2 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 3 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 4 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4444 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Over<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y4445 w1f9 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2cd fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4445 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">foresp<span class=\"_ _5\"></span>\u00f8rsel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4445 wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">1 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4445 wdf hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4445 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>4 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4445 wdc hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4445 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4446 w1f9 h15b\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x524 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">405</span> </div></td><td class=\"c x525 y4446 wdf h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">005</span> </div></td><td class=\"c x526 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">055</span> </div></td><td class=\"c x527 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">042</span> </div></td><td class=\"c x528 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x529 y4446 wdc h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">143<span class=\"ls0 ws0\"> </span>644<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4446 wdd h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4447 w1f9 h135\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x524 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x525 y4447 wdf h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">617</span> </div></td><td class=\"c x526 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x527 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">877</span> </div></td><td class=\"c x528 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">020</span> </div></td><td class=\"c x529 y4447 wdc h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span>717<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4447 wdd h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>769<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Over<span class=\"_ _5\"></span>v\u00e5king <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>DNB Livsforsikri<span class=\"_ _5\"></span>ng benytter <span class=\"wsd2\">blant annet </span>et ris<span class=\"_ _5\"></span>ikoappetittrammeverk for risikosty<span class=\"_ _5\"></span>ring. Risikoappetitten er satt med m\u00e5l for kapitalis<span class=\"_ _5\"></span>ering, markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>risiko, fors<span class=\"_ _5\"></span>ikringsrisiko og operasjonell risik<span class=\"_ _5\"></span>o. Styret fastsetter \u00e5rlige rammer for finansiel<span class=\"_ _5\"></span>l risiko og forsikringsrisiko<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">i t<span class=\"_ _5\"></span>illegg ti<span class=\"_ _5\"></span>l rammene for </span>ris<span class=\"_ _5\"></span>iko<span class=\"_ _5\"></span><span class=\"lsaf wsf6\">appetitt. Rammene f\u00f8lges opp l\u00f8pende.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>DNB Livsforsikri<span class=\"_ _5\"></span>ng har inng\u00e5tt gjenforsikringsavtal<span class=\"_ _5\"></span>er som beskytter mot risiko for d\u00f8d og uf\u00f8rhet dersom katastrofelignende hendelser i<span class=\"_ _5\"></span>nntreffer.<span class=\"ls0 ws0\"> </span>I tillegg vurderes avkastni<span class=\"_ _5\"></span>ngen p\u00e5 selskapets investeringer l\u00f8pende.<span class=\"_ _5\"></span> Dette omfatter vurderinger knytt<span class=\"_ _5\"></span>et til realisasjon av investeringer f<span class=\"_ _5\"></span>or <span class=\"_ _1\"></span>\u00e5 opp<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>n\u00e5 <span class=\"lsbd ws117\">ti<span class=\"_ _5\"></span>ls<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rek<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>eli<span class=\"_ _5\"></span>g av<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>ast<span class=\"_ _5\"></span>n<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>g fo<span class=\"_ _5\"></span>r \u00e5 opp<span class=\"_ _5\"></span>f<span class=\"_ _5\"></span>yl<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>e </span><span class=\"wsf6\">den \u00e5rlige garanterte <span class=\"lsbf ws107\">avka<span class=\"_ _1\"></span>stni<span class=\"_ _1\"></span>ng<span class=\"lsaf wsd2\">, samt avs<span class=\"_ _5\"></span>etning<span class=\"ls0 ws0\"> <span class=\"lsc4 ws115\">til<span class=\"lsbd ws117\">/<span class=\"_ _5\"></span>b<span class=\"_ _5\"></span>ruk<span class=\"_ _5\"></span> av </span></span></span><span class=\"wscf\">til<span class=\"_ _5\"></span>leggsavsetninger<span class=\"ls0 ws0\">. </span></span></span></span></span>Forsikri<span class=\"_ _1\"></span>ngsforpliktelser<span class=\"ls0 ws0\"> </span>Forsikrings<span class=\"_ _5\"></span>forpliktelsene for den generelle m\u00e5l<span class=\"_ _5\"></span>emodellen (General Measurement Model, GMM) og \u00abvariable fee\u00bb<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">t<span class=\"_ _5\"></span>iln\u00e6rmingen (Variabl<span class=\"_ _5\"></span>e Fee </span>Approach, VFA) estimeres bas<span class=\"_ _5\"></span>ert p\u00e5 kontantstr\u00f8mmen for oppfyllelse av forpliktelsen, med til<span class=\"_ _5\"></span>legg av kontraktsregulert tje<span class=\"wscf\">nestem<span class=\"_ _5\"></span>arginen </span>(Contractual<span class=\"_ _5\"></span> Service Margi<span class=\"_ _5\"></span>n, CSM). <span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser f<span class=\"_ _5\"></span>orsikringsforpliktels<span class=\"_ _5\"></span>ene for hver m\u00e5lemetode.<span class=\"ls0 ws0\"> </span><table class=\"s w3ca h51e\" id=\"_bdf21aac-ac6f-423b-8f09-ccd0edea29d9\"><tr><td class=\"c x3fc y4448 w1fa hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24 <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4449 w1fa hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Variabl<span class=\"_ _5\"></span>e fee<span class=\"ls0 ws0\">-</span><span class=\"wsd0\">til<span class=\"_ _5\"></span>n\u00e6rm<span class=\"_ _5\"></span>ing (VFA<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x52b y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>940<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>860<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y444a w1fa hde\"><div class=\"t m2 x19f hcc y20f0 ff2ce fs53 fc21 sc0 lsab wscd\">Generel<span class=\"_ _5\"></span>l m\u00e5lem<span class=\"_ _5\"></span>odell <span class=\"_ _5\"></span>(GMM<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">458</span> </div></td><td class=\"c x52c y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">462</span> </div></td></tr><tr><td class=\"c x3fc y444b w1fa hda\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscd\">Premiefo<span class=\"_ _5\"></span>rdelin<span class=\"_ _5\"></span>gsmeto<span class=\"_ _5\"></span>den (PA<span class=\"_ _5\"></span>A) <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x52c y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">555</span> </div></td></tr><tr><td class=\"c x3fc y444c w1fa hd9\"><div class=\"t m2 x19f hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscd\">Totale f<span class=\"_ _5\"></span>orsikr<span class=\"_ _5\"></span>ingsf<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>236<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>877<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Tabellen nedenfor viser bev<span class=\"_ _5\"></span>egelsene i forsikringsforpliktels<span class=\"_ _5\"></span>ene analysert ved bruk av m\u00e5lekomponenter, og inkluderer kontrakt<span class=\"_ _5\"></span>er m\u00e5lt i henhold til GMM og VFA. <span class=\"ls0 ws0\"> </span><table class=\"s w3cb h51f\" id=\"_8299e098-3474-4e90-9f4b-4f67537a4f60\"><tr><td></td><td></td><td class=\"c x52d y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y444e w1fc hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y444e w1fd hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x52e y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4450 w1ff hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4450 w200 hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4451 w1fb hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4451 w1ff hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4451 w1fe hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4451 w200 hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4451 w1ff hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4453 w1fb h285\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 1. jan<span class=\"_ _5\"></span>uar<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4453 w1ff h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x531 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4453 w200 h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">999</span> </div></td><td class=\"c x533 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>510<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4453 w1ff h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">192<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305e ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r n\u00e5v\u00e6<span class=\"_ _5\"></span>rende <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4454 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">tjenest<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4454 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4454 w1ff h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">256</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x532 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y4454 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4454 w200 h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(212)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">093</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x534 y4454 w1ff h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">319</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3060 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4455 w1fb h129\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">l\u00f8nnsom<span class=\"_ _5\"></span>me</span><span class=\"lsab wscb\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x52d y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(310)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4455 w1ff h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">279<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(241)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4455 w200 h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3062 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4456 w1fb h127\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">tapsbri<span class=\"_ _5\"></span>ngend<span class=\"_ _5\"></span>e</span> </div></td><td class=\"c x52d y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4456 w1ff h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4456 w1fe h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">155<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4456 w200 h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x534 y4456 w1ff h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3063 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4457 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> juster<span class=\"_ _5\"></span>er CS<span class=\"_ _5\"></span>M</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4457 w1fe h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(656)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4457 w1ff h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4457 w1fe h128\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">615<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4457 w1fe h128\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">881</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x530 y4457 w200 h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(262)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4457 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">143</span> </div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3065 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4458 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> ikke j<span class=\"_ _5\"></span>uster<span class=\"_ _5\"></span>er CSM<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4458 w1ff h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(45)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4458 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4458 w200 h127\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 </div></td><td></td><td class=\"c x534 y4458 w1ff h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3067 ff2ce fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4459 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa7\"></span><span class=\"lsa7\">eller </span><span class=\"ws0\">-<span class=\"lsab wscb\">kostna<span class=\"_ _5\"></span>der</span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">997</span> </div></td><td></td><td class=\"c x531 y4459 w1fe h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4459 w1fe h128\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>008<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">376</span> </div></td><td></td><td class=\"c x533 y4459 w1fe h128\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x534 y4459 w1ff h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">384</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y2a88 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445a w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wsd0\">motta<span class=\"_ _5\"></span>tte premi<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td></td><td></td><td class=\"c x532 y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td class=\"c x52e y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td><td></td><td></td><td class=\"c x534 y445a w1ff h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3069 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra k<span class=\"_ _5\"></span>rav og<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x536 y445b w3cc h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff2ce fs53 fc21 sc0 lsab wscd\">andre ko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span>er bet<span class=\"_ _5\"></span>alt</div><div class=\"t m2 x535 h121 y3e5e ff2ce fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x52d y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x532 y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x534 y445c w1ff h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y306c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445d w1fb h286\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>538<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y445d w1ff h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">423</span> </div></td><td class=\"c x531 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">185<span class=\"ls0 ws0\"> </span>398<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y445d w200 h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x533 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y445d w1ff h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4460 w3cd h520\"><div class=\"t m2 x3f4 h183 y445e ff2d0 fs55 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y437f ff2ce fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4380 ff2ce fs55 fc21 sc0 lsaf wsf6\">Estimatet for n\u00e5verdien av f<span class=\"_ _5\"></span>ramtidige inng\u00e5ende kontantstr\u00f8mmer f<span class=\"_ _5\"></span>or tapsbringende kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc5 ws130\">var </span></span><span class=\"wscf\">239<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">321<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner<span class=\"_ _1\"></span> i </span></span></div><div class=\"t m2 x3f4 hcf y445f ff2ce fs55 fc21 sc0 lsaf wscf\">202<span class=\"ls0 ws0\">4</span><span class=\"wsf6\">), mens det for krav og andre kostnader for forsikringst<span class=\"_ _5\"></span>jenester var </span>309<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner kroner (</span>476<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner i 20<span class=\"_ _1\"></span>2<span class=\"ls0 ws0\">4<span class=\"lsaf wsd2\">). Estimat<span class=\"_ _5\"></span>et for n\u00e5verdien av<span class=\"_ _5\"></span> </span></span></span></div><div class=\"t m2 x3f4 hcf y3fb5 ff2ce fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>dige inng\u00e5ende kontantstr\u00f8mmer for l\u00f8nnsomme kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc1 wsce\">var </span></span><span class=\"wscf\">929<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">64</span>7 millioner i 202<span class=\"ls0 ws0\">4</span>), mens det for krav og </div><div class=\"t m2 x3f4 hcf y3fb6 ff2ce fs55 fc21 sc0 lsaf wsd2\">andre kost<span class=\"_ _5\"></span>nader for fors<span class=\"_ _5\"></span>ikringstjenester v<span class=\"_ _5\"></span>ar <span class=\"wscf\">619<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">mil<span class=\"_ _5\"></span>lioner kroner (4</span>06<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner i 202<span class=\"ls0 ws0\">4<span class=\"lsc4 ws118\">).    </span> </span></span></span></div></td><td class=\"c x537 y4462 w3ce h4b2\"><div class=\"t m2 x3f4 h183 y4461 ff2d0 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hvor<span class=\"_ _5\"></span>av 12 <span class=\"_ _5\"></span><span class=\"wscb\">21</span>6 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kroner<span class=\"_ _5\"></span> er inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>ngsk<span class=\"_ _5\"></span>ompone<span class=\"_ _5\"></span>nt (</span><span class=\"lsab wscd\">1</span>2 10<span class=\"_ _5\"></span>6 <span class=\"lsa7 wsd1\">millioner i 202</span>4). </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w3cf h521\" id=\"_0bfce16d-8d53-4e1c-8573-47d905f3a7f2\"><tr><td class=\"c x539 y4466 w3d0 h522\"><div class=\"t m2 x538 hd8 y3e62 ff2d0 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent</div><div class=\"t m2 x3f4 he2 y4463 ff2ce fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4464 ff2ce fs55 fc21 sc0 lsaf wsf6\">3,7 prosent per 31.desember 202<span class=\"ls0 ws0\">4. </span></div><div class=\"t m2 x3f4 hcf y4465 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x53a y412c wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412c wdf hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412c wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">10 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412c wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">15 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x539 y4469 w3d1 h523\"><div class=\"t m2 x53d hcc y3e5d ff2ce fs53 fc21 sc0 lsab wsd0\">20 \u00e5r<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y4467 ff2ce fs55 fc21 sc0 lsaf wsf6\">Tabellene nedenfor angir rent<span class=\"_ _5\"></span>ekurvene som brukes til \u00e5 diskontere kontantstr\u00f8mmene til forsikri<span class=\"_ _5\"></span>ngskontrakter. Terminrenten ko<span class=\"wsd2\">nv<span class=\"_ _5\"></span>ergerer mot </span></div><div class=\"t m2 x3f4 hcf y4468 ff2ce fs55 fc21 sc0 lsaf wsf6\">den ultimate terminrent<span class=\"_ _5\"></span>en (Ultimate Forward Rate, UFR) fra siste likvide punkt p\u00e5 10 \u00e5r til <span class=\"ls0 ws0\">4</span>0 \u00e5r. UFR var <span class=\"wscf\">3,7<span class=\"ls0 ws0\"> </span></span>prosent per 31.<span class=\"ls0 ws0\"> </span>desember 202<span class=\"ls0 ws0\">5 </span><span class=\"wscf\">og </span></div></td></tr><tr><td class=\"c x3fc y446a we1 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y446a wdf hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y412d we1 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412d wdf hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr></table>Endringene som gjelder framtidi<span class=\"_ _5\"></span>ge tjenester som justerer CSM, var i 2025<span class=\"ls0 ws0\"> </span>og 2024 hovedsakelig drevet av renteendringene i perioden. H\u00f8y<span class=\"_ _5\"></span>ere renter reduserer den estim<span class=\"_ _5\"></span>erte n\u00e5verdien av framtidige kontantstr\u00f8mmer og \u00f8ker CSM under VFA, som er den dominerende m\u00e5lemeto<span class=\"wsd2\">den.   <span class=\"ls0 ws0\"> </span></span>Ved utgangen av 202<span class=\"ls0 ws0\">5 </span>besto CSM av 13 <span class=\"wscf\">325<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakter hvor det ble benyttet virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen p\u00e5 overgangs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tidspunkt<span class=\"_ _5\"></span>et (1<span class=\"ls0 ws0\">3 </span><span class=\"wscf\">748<span class=\"ls0 ws0\"> </span></span>millioner per utgangen av 202<span class=\"ls0 ws0\">4</span>) og <span class=\"wscf\">111 <span class=\"wsd2\">millioner for <span class=\"_ _5\"></span>\u00f8vrige kontrakter <span class=\"_ _5\"></span>(</span>40<span class=\"ls0 ws0\"> </span></span>milli<span class=\"_ _5\"></span>oner per utgangen av 202<span class=\"ls0 ws0\">4<span class=\"lsc1 ws120\">). For kon<span class=\"_ _5\"></span>trakter </span> </span>hvor virkeli<span class=\"_ _5\"></span>g verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen ble benyttet p\u00e5 overgangsti<span class=\"_ _5\"></span>dspunktet, var endringen i n\u00e5v\u00e6rende tjeneste for CSM 1 086<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">milli<span class=\"_ _5\"></span>oner kroner <span class=\"ls0 ws0\"> </span></span>(<span class=\"lsaf wscf\">927</span> <span class=\"lsb9 wsff\">milli<span class=\"lsaf wsf6\">oner i 202</span></span>4<span class=\"lsaf wsf6\">), og endringen i framtidig tjeneste for CSM var <span class=\"wscf\">663</span></span> <span class=\"lsb9 wsff\">millioner<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> <span class=\"lsaf wscf\">kroner</span> <span class=\"lsaf wscf\">(negativ</span> <span class=\"lsaf wscf\">med <span class=\"wsf6\">4 172</span></span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>illioner i 202</span>4<span class=\"lsc1 wsce\">). </span> </span></span>F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser n\u00e5r gjenv\u00e6rende CSM forventes resultatf\u00f8rt: <span class=\"ls0 ws0\"> </span><table class=\"s w3d2 h524\" id=\"_12afac32-c682-4bc0-9d1f-a2da342f2e9c\"><tr><td></td><td class=\"c x53e y446b wde hd7\"><div class=\"t m2 x267 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">1 \u00e5r ell<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x53f y446b wdd hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Mer enn<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y3fd0 w15c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">under<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">2-<span class=\"lsab wscd\">3 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x540 y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">4-<span class=\"lsab wscd\">5 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x53c y3fd0 wdc hd7\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6-<span class=\"lsa9 ws87\">10 \u00e5r</span><span class=\"lsa9 ws87\"><span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x53f y3fd0 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wsd0\">10 \u00e5r</span> </div></td><td class=\"c x541 y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3fd1 w15c hd9\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Frigivels<span class=\"_ _5\"></span>e av<span class=\"_ _5\"></span> CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd1 wde hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">080</span> </div></td><td class=\"c x53a y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">956</span> </div></td><td class=\"c x540 y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x53c y3fd1 wdc hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">360</span> </div></td><td class=\"c x53f y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">315</span> </div></td><td class=\"c x541 y3fd1 wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td></tr></table>Gjennomsnitt<span class=\"_ _5\"></span>lig durasjon p\u00e5 kontraktene var 1<span class=\"ls0 ws0\">0,</span><span class=\"wscf\">78<span class=\"ls0 ws0\"> </span></span>\u00e5r ved utgangen av desember 202<span class=\"ls0 ws0\">5<span class=\"lsc4 ws115\">. </span> </span>Tabellen nedenfor angi<span class=\"_ _5\"></span>r sammensetningen av bokf\u00f8rt verdi av eiendelene i konsernet som holdes i forbindelse med VFA og andre forsikringsk<span class=\"_ _5\"></span>ontrakter, og som i hovedsak m\u00e5les til virkelig verdi. <span class=\"ls0 ws0\"> </span><table class=\"s w3d3 h525\" id=\"_5938fac2-f85e-4325-a9bd-f3a688463f84\"><tr><td></td><td></td><td class=\"c x4a3 y446c w1bb hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446d w1fe h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x53c y446c w20f hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446d w210 h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446e w20d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446e w200 hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446e w210 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446e w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446e w1fe hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446e w1fe hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446e w210 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446f w20d hdd\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446f w200 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">134<span class=\"ls0 ws0\"> </span>414<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446f w210 hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">288</span> </div></td><td class=\"c x542 y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>703<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">132<span class=\"ls0 ws0\"> </span>378<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446f w1fe hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">571</span> </div></td><td class=\"c x52c y446f w210 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">138<span class=\"ls0 ws0\"> </span>949<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4470 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4a3 y4470 w200 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>182<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4470 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">878</span> </div></td><td class=\"c x542 y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>060<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>898<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4470 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td><td class=\"c x52c y4470 w210 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>572<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4471 w20d hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4471 w200 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">162</span> </div></td><td class=\"c x543 y4471 w210 hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">363<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">525</span> </div></td><td class=\"c x53c y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x52b y4471 w1fe hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4471 w210 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">660</span> </div></td></tr><tr><td class=\"c x3fc y4472 w211 hda\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>(eierben<span class=\"_ _5\"></span>ytte<span class=\"_ _5\"></span>t eien<span class=\"_ _5\"></span>dom)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4472 w200 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">783</span> </div></td><td class=\"c x543 y4472 w210 hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">408<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">191</span> </div></td><td class=\"c x53c y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x52b y4472 w1fe hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">201<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4472 w210 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">872</span> </div></td></tr><tr><td class=\"c x3fc y4473 w211 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2d9 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4473 w200 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td></td><td class=\"c x542 y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td class=\"c x53c y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td><td></td><td class=\"c x52c y4473 w210 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td></tr><tr><td class=\"c x3fc y4474 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4474 w200 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">089</span> </div></td><td class=\"c x543 y4474 w210 hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">278</span> </div></td><td class=\"c x53c y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x52b y4474 w1fe hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">208<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4474 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">887</span> </div></td></tr><tr><td class=\"c x3fc y4475 w20d hd9\"><div class=\"t m2 x19f hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscd\">Sum ei<span class=\"_ _5\"></span>endeler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4475 w200 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">169<span class=\"ls0 ws0\"> </span>329<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4475 w210 hd9\"><div class=\"t m2 x19b hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>126<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>455<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>341<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4475 w1fe hd9\"><div class=\"t m2 x209 hdc y1dae ff2d8 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">916</span> </div></td><td class=\"c x52c y4475 w210 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>257<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Netto forsi<span class=\"_ _1\"></span>kringsresultat<span class=\"ls0 ws0\"> </span>Tabellen nedenfor angi<span class=\"_ _5\"></span>r de viktigste postene under Netto forsikringsresultatet<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span><table class=\"s w3d4 h526\" id=\"_e8d2bf56-1c43-4a03-b14f-03660dd0ac75\"><tr><td class=\"c x3fc y4476 w212 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4476 wdd hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4476 wde hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4477 w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4477 wdd hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">731</span> </div></td><td class=\"c x544 y4477 wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">286</span> </div></td></tr><tr><td class=\"c x3fc y4478 w212 hda\"><div class=\"t m2 x163 hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kontrakts<span class=\"_ _5\"></span>regul<span class=\"_ _5\"></span>ert tj<span class=\"_ _5\"></span>enestem<span class=\"_ _5\"></span>argin f<span class=\"_ _5\"></span>or utf<span class=\"_ _5\"></span>\u00f8rt tje<span class=\"_ _5\"></span>neste<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4478 wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">256</span> </div></td><td class=\"c x544 y4478 wde hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3fc y4479 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Risikojus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng for utl<span class=\"_ _5\"></span>\u00f8pt ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4479 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">190<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4479 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">207<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447a w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Forvente<span class=\"_ _5\"></span>de kra<span class=\"_ _5\"></span>v og a<span class=\"_ _5\"></span>ndre k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447a wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">090</span> </div></td><td class=\"c x544 y447a wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">039</span> </div></td></tr><tr><td class=\"c x3fc y447b w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra ko<span class=\"_ _5\"></span>ntrakte<span class=\"_ _5\"></span>r m\u00e5lt<span class=\"_ _5\"></span> i he<span class=\"_ _5\"></span>nhold ti<span class=\"_ _5\"></span>l PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447b wdd hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x544 y447b wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">947</span> </div></td></tr><tr><td class=\"c x3fc y447c w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kostnad<span class=\"_ _5\"></span>er for <span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngstj<span class=\"_ _5\"></span>enest<span class=\"_ _5\"></span>er, inkl. <span class=\"_ _5\"></span>drifts<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">056</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y447c wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">192</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y447d w212 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Netto inn<span class=\"_ _5\"></span>tekter<span class=\"_ _5\"></span>/kost<span class=\"_ _5\"></span>nader f<span class=\"_ _5\"></span>ra gje<span class=\"_ _5\"></span>nforsikr<span class=\"_ _5\"></span>ingsk<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter gje<span class=\"_ _5\"></span>nnom pe<span class=\"_ _5\"></span>riode<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447d wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447d wde hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">97<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447e w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Result<span class=\"_ _5\"></span>at fra forsikr<span class=\"_ _5\"></span>ingstj<span class=\"_ _5\"></span>enes<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447e wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">580</span> </div></td><td class=\"c x544 y447e wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">191</span> </div></td></tr><tr><td class=\"c x3fc y447f w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er fra u<span class=\"_ _5\"></span>nderlig<span class=\"_ _5\"></span>gend<span class=\"_ _5\"></span>e eie<span class=\"_ _5\"></span>ndeler <span class=\"_ _5\"></span>eller g<span class=\"_ _5\"></span>ruppe av<span class=\"_ _5\"></span> eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r, m\u00e5l<span class=\"_ _5\"></span>t til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447f wdd hd9\"><div class=\"t m2 x19b hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>265<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447f wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td></tr><tr><td class=\"c x3fc y4480 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter el<span class=\"_ _5\"></span>ler <span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">kostnad<span class=\"_ _1\"></span>er</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\"><span class=\"ls0 ws0\"> </span></span></span></div></td><td class=\"c x47f y4480 wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">140</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4480 wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">457</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4481 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5l\u00f8pt<span class=\"_ _5\"></span> p\u00e5 forsi<span class=\"_ _5\"></span>kring<span class=\"_ _5\"></span>savtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4481 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">554</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4481 wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">990</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4482 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved G<span class=\"_ _5\"></span>MM ell<span class=\"_ _5\"></span>er PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4482 wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">(209)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4482 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">195<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4483 w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved V<span class=\"_ _5\"></span>FA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4483 wdd hde\"><div class=\"t m2 x329 hcc y2401 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">377</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4483 wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">338</span> </div></td></tr><tr><td class=\"c x3fc y4484 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle gjen<span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er eller <span class=\"ls0 ws0\">-</span><span class=\"wscb\">kostn<span class=\"_ _5\"></span>ader</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x544 y4484 wde hda\"><div class=\"t m2 x246 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x3fc y4485 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscd\">Finansr<span class=\"_ _5\"></span>esulta<span class=\"_ _5\"></span>t, livs<span class=\"_ _5\"></span>forsikr<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4485 wdd hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4485 wde hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">230<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4486 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Netto fors<span class=\"_ _5\"></span>ikring<span class=\"_ _5\"></span>sresul<span class=\"_ _5\"></span>tat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4486 wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">705</span> </div></td><td class=\"c x544 y4486 wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td></tr></table>Forsikrings<span class=\"_ _5\"></span>inntektene i 202<span class=\"ls0 ws0\">5 </span>besto av 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">148<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakt<span class=\"_ _5\"></span>er hvor det ble benyttet virkelig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rming p\u00e5 overgangs<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tidspunkt<span class=\"_ _5\"></span>et og 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">583<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">millioner for \u00f8vri<span class=\"_ _5\"></span>ge kontrakter.</span></span><span class=\"wscf\"><span class=\"wsd2\"><span class=\"ls0 ws0\"> </span></span></span>S<span class=\"lsc0 ws109\">ensitivit<span class=\"_ _5\"></span>eter</span> Hver sensitivit<span class=\"_ _5\"></span>et er basert p\u00e5 en endring i den a<span class=\"_ _1\"></span>kt<span class=\"_ _5\"></span>uelle parameter eller forutsetning mens alle andre forutsetninger holdes k<span class=\"_ _5\"></span>onstant. I praksis er det lite sannsynli<span class=\"_ _5\"></span>g at dette vil skje, og endringer i forutsetninger forventes \u00e5 v\u00e6re korrelert.<span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Aksjer: Vi<span class=\"_ _5\"></span>rkelig verdi av aksjer reduseres med 25 prosent. <span class=\"wsd2\">Se under Inv<span class=\"_ _5\"></span>esteringseiendommer.</span></span> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendommer: Virkeli<span class=\"_ _5\"></span>g <span class=\"_ _1\"></span>verdi av al<span class=\"_ _5\"></span>le investeringseiendommer reduseres med 10 prosent.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Inkluderer effekt p\u00e5 investerings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>eiendommer presentert<span class=\"_ _5\"></span> som aksjer i balansen, hvor underliggende eiendeler er investeri<span class=\"_ _5\"></span>ngseiendommer. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Rente: Rentekurv<span class=\"_ _5\"></span>en har en parallell opp</span>- <span class=\"lsaf wsf6\">eller nedjustering p\u00e5 50 basispunkter de f\u00f8rste <span class=\"lsbc ws103\">ti</span></span> <span class=\"lsaf wsf6\">\u00e5rene, som representerer den likvide delen av </span></span>kurven. Etter <span class=\"lsbc ws103\">ti<span class=\"ls0 ws0\"> </span></span>\u00e5r er kurven ekstrapolert mot den ultimate terminrenten (UFR). I<span class=\"_ _5\"></span>nkluderer ogs\u00e5 effekt p\u00e5 renteinstrument<span class=\"_ _5\"></span>er. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Margin: Kredit<span class=\"_ _5\"></span>tspreadene \u00f8kes med 50 basispunkter. Diskonteri<span class=\"_ _5\"></span>ngskurvens likviditets<span class=\"_ _5\"></span>premie \u00f8kes med 15 basispunkter.</span> <span class=\"lsaf wsf6\">Ink<span class=\"_ _5\"></span>luderer ogs\u00e5 </span></span>effekt p\u00e5 renteinst<span class=\"_ _5\"></span>rumenter. <span class=\"ls0 ws0\">  </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">D\u00f8delighet <span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">10 prosent: Niv\u00e5et p\u00e5 det beste estimatet for d\u00f8delighet reduseres med 10 prosent, noe som reduserer d\u00f8deli<span class=\"_ _5\"></span>ghetsintensiteten </span></span>for alle \u00e5rene i prognosen. Trenden holdes uendret. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Uf\u00f8rhet +10 prosent og reaktiveri<span class=\"_ _5\"></span>ng </span>-<span class=\"lsaf wsf6\">10 prosent: Beste estimat for uf\u00f8rhet \u00f8kes med 10 prosent for alle \u00e5rene prognosen dekker, mens </span></span>reaktiveringen redus<span class=\"_ _5\"></span>eres med 10 prosent.<span class=\"ls0 ws0\"> </span>Tabellene nedenfor gir i<span class=\"_ _5\"></span>nformasjon om hvordan endringer som er rimelig mulig i forutsetninger om finansiel<span class=\"_ _5\"></span>l risiko og variabl<span class=\"lsc4 ws0\">er<span class=\"_ _5\"></span> knytt<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il </span><span class=\"wscf\">for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>sikrings<span class=\"lsbe ws10b\">r<span class=\"_ _5\"></span>isik<span class=\"_ _5\"></span>o<span class=\"ls0 ws0\">, </span></span><span class=\"wsf6\">p\u00e5vi<span class=\"_ _5\"></span>rker CSM og resultatet. Alle endringer er basert p\u00e5 DNBs eiendeler og gjeld <span class=\"wsd2\">knyttet ti<span class=\"_ _5\"></span>l forsikri<span class=\"_ _5\"></span>ngskontrakter </span>per 31. desember </span>2025. Effektene som vises nedenfor inkluderer den est<span class=\"_ _5\"></span>imerte \u00e5rlige frigivelsen av CSM. <span class=\"ls0 ws0\"> </span><table class=\"s w3d5 h527\" id=\"_54e6c5d4-f699-424c-8097-b87b014500f0\"><tr><td></td><td></td><td></td><td class=\"c x4a6 y4487 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff2db fs53 fc21 sc0 lsab wsd0\">Effekt p\u00e5 ne<span class=\"_ _5\"></span>tto <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x545 y4488 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 lsaa wscd\">Effekt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4488 w6f hd7\"><div class=\"t m2 x4f hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">forsik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span></div></td></tr><tr><td class=\"c x3fc y4489 w213 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2de fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4489 w6e hd7\"><div class=\"t m2 x1b9 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Endring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4489 w6e hd7\"><div class=\"t m2 x247 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">p\u00e5 CSM<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4489 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448a w213 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x546 y448a w6e hd9\"><div class=\"t m2 x20c hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">25 %</span> </div></td><td class=\"c x545 y448a w6e hd9\"><div class=\"t m2 x19e hcc y1dc1 ff2db fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">158</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y448a w6f hd9\"><div class=\"t m2 x1b8 hcc y1dc1 ff2db fs53 fc21 sc0 lsab wscb\">(188)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448b w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448b w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448b w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(347)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448b w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448c w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448c w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448c w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">721</span> </div></td><td class=\"c x4a6 y448c w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">106</span> </div></td></tr><tr><td class=\"c x3fc y448d w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448d w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">50bp</span> </div></td><td class=\"c x545 y448d w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(950)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448d w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(125)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448e w213 hde\"><div class=\"t m2 x19f hcc y1da9 ff2db fs53 fc21 sc0 lsab wsd0\">Spread risi<span class=\"_ _5\"></span>ko<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448e w6e hde\"><div class=\"t m2 x20e hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448e w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448e w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff2db fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448f w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">D\u00f8deligh<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448f w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448f w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(937)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448f w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4490 w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Uf\u00f8rhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4490 w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">+10 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4490 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(181)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4490 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(224)<span class=\"ls0 ws0\"> </span></div></td></tr></table>Solvenskap<span class=\"_ _5\"></span>ital Regulatorisk<span class=\"_ _5\"></span>e kapitalkrav for europeiske forsik<span class=\"_ _5\"></span>ringsselskaper er fastsatt i Solvens II<span class=\"ls0 ws0\">-</span><span class=\"wscf\">direktivet<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Solvensk<span class=\"_ _5\"></span>apitalkravet er satt slik at det er 99,5 prosent sannsynlighet for at samlede tap, herunder forsik<span class=\"_ _5\"></span>ringstap og finansielle tap, over en periode p\u00e5 12 m\u00e5neder ikke overstiger det beregnede kapit<span class=\"_ _5\"></span>alkravet. Beregningene tar hensyn til risikoreduserende <span class=\"wsd2\">t<span class=\"_ _5\"></span>iltak og sys<span class=\"_ _5\"></span>temer. </span>Minstekravet er s<span class=\"_ _5\"></span>att slik at det er 8<span class=\"_ _1\"></span>5 prosent sannsy<span class=\"_ _5\"></span>nlighet for at samlede tap over en periode p\u00e5 12 m\u00e5neder ikke overstiger<span class=\"ls0 ws0\"> </span>det beregnede kapitalkrav<span class=\"_ _5\"></span>et. Regelverket \u00e5pner for bruk av overgangsregler ved beregning av solvenskapit<span class=\"_ _5\"></span>al. I desember 2015 fikk DNB Livsforsikring tillatelse av Finanstilsy<span class=\"_ _5\"></span>net til \u00e5 benytte overgangsreglene for forsikringsmessige avset<span class=\"_ _5\"></span>ninger. Dette gir selskapet anledning til \u00e5 anvende bokf\u00f8rt<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span>forsikringsm<span class=\"_ _5\"></span>essige avsetninger i stedet for markedsverdi av forplik<span class=\"_ _5\"></span>telsene. Overgangsregl<span class=\"_ _5\"></span>ene gjelder i 16 \u00e5r, og reduseres line\u00e6rt fra 1. januar 2017. <span class=\"ls0 ws0\"> </span>Per 31. desember 2025 hadde DNB Livsforsik<span class=\"_ _5\"></span>ring en solvensmargin p\u00e5 261 prosent (f\u00f8r og etter overgangsregler)<span class=\"_ _1c5\"> </span><table class=\"s w3d7 h529\" id=\"_2bf0da3e-2bc2-44db-9eb7-4c17374901e3\"><tr><td class=\"c x3fc y449b w98 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449c w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449d w98 hd9\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449e w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Aksjeka<span class=\"_ _5\"></span>pital<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td><td class=\"c x4a6 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td></tr><tr><td class=\"c x3fc y449f w98 hda\"><div class=\"t m2 x163 hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Overkur<span class=\"_ _5\"></span>sfond<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td><td class=\"c x4a6 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td></tr><tr><td class=\"c x3fc y44a0 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td><td class=\"c x4a6 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x548 y44a1 w3d8 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2e7 fs53 fc21 sc0 lsab wscb\">Avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve</div><div class=\"t m2 x547 h121 y3ebb ff2e7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4a5 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>240<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>734<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a3 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>397<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>891<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a4 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44a5 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x4a6 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x3fc y44a6 w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Risikoutj<span class=\"_ _5\"></span>evni<span class=\"_ _5\"></span>ngsfo<span class=\"_ _5\"></span>nd<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">472</span> </div></td></tr><tr><td class=\"c x3fc y44a7 w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>begrens<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a6 y44a7 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">(404)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a8 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">567</span> </div></td></tr><tr><td class=\"c x3fc y44a9 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44aa w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsaa ws0\">Utsatt ska<span class=\"_ _5\"></span>tt<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ab w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ac w98 hdd\"><div class=\"t m2 x19f hdc y1dc1 ff2e6 fs53 fc21 sc0 lsa9 ws87\">Sum so<span class=\"_ _1\"></span>lven<span class=\"_ _1\"></span>skapit<span class=\"_ _1\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44ad w98 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wsd0\">Sum solven<span class=\"_ _5\"></span>skapi<span class=\"_ _5\"></span>tal uten over<span class=\"_ _5\"></span>gangsr<span class=\"_ _5\"></span>egler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr></table>1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Opptj<span class=\"_ _5\"></span>ent e<span class=\"_ _5\"></span>genka<span class=\"_ _5\"></span>pital i<span class=\"_ _5\"></span>nng\u00e5r i a<span class=\"_ _5\"></span>vstemm<span class=\"_ _5\"></span>ingsres<span class=\"_ _5\"></span>erven.<span class=\"_ _5\"></span> I tille<span class=\"_ _5\"></span>gg vi<span class=\"_ _5\"></span>l end<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> kap<span class=\"_ _5\"></span>ital som f<span class=\"_ _5\"></span>\u00f8lge <span class=\"_ _5\"></span>av over<span class=\"_ _5\"></span>gang<span class=\"_ _5\"></span>en til m<span class=\"_ _5\"></span>arked<span class=\"_ _5\"></span>sverdier fo<span class=\"_ _5\"></span>r eien<span class=\"_ _5\"></span>deler <span class=\"_ _5\"></span>og for<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser v<span class=\"_ _5\"></span>\u00e6re </span>en del av avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve<span class=\"_ _5\"></span>n.<span class=\"_ _1c5\"> </span><table class=\"s w3d6 h528\" id=\"_d1f8504c-c3b2-454d-807b-c6cc7cd54532\"><tr><td class=\"c x3fc y4491 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"_ _5\"></span>krav<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y4492 w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4493 w98 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span><span class=\"wscd\">og mo<span class=\"_ _5\"></span>tparts<span class=\"_ _5\"></span>risiko</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4494 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">Forsikringsrisiko<span class=\"_ _5\"></span> </div></td><td class=\"c x4a5 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>666<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4495 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Operasj<span class=\"_ _5\"></span>onell ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">031</span> </div></td><td class=\"c x4a6 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">025</span> </div></td></tr><tr><td class=\"c x3fc y4496 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Diversifi<span class=\"_ _5\"></span>sering<span class=\"_ _5\"></span> mell<span class=\"_ _5\"></span>om mark<span class=\"_ _5\"></span>eds<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span><span class=\"wsd0\">og motpartsri<span class=\"_ _5\"></span>siko og for<span class=\"_ _5\"></span>sikri<span class=\"_ _5\"></span>ngsrisi<span class=\"_ _5\"></span>ko</span><span class=\"wsd0\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">901</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4497 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i uts<span class=\"_ _5\"></span>att sk<span class=\"_ _5\"></span>att<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">025</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4498 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i fors<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gstekni<span class=\"_ _5\"></span>ske <span class=\"_ _5\"></span>avsetni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(16<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">095</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">884</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4499 w98 hdd\"><div class=\"t m2 x19f hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">Solven<span class=\"_ _5\"></span>skapita<span class=\"_ _5\"></span>lkrav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>658<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449a w98 h11f\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Minsteka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span>krav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x4a6 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">911</span> </div></td></tr></table><table class=\"s w3d7 h52a\" id=\"_01fa3f4c-954a-479a-b0a6-e82adf4df79e\"><tr><td class=\"c x3fc y44ae w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvensmargin<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41bb w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44af w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n med ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44b0 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n uten ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDetailedInformationAboutConcentrationsOfRiskThatArisesFromContractsWithinScopeOfIFRS17Explanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-448": {
   "value": "Note K43 F<span class=\"_ _1\"></span>orsikringsforpliktelser<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Forsi<span class=\"_ _5\"></span>kringskont<span class=\"_ _5\"></span>rakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter er kontrakter der konsernet p\u00e5tar seg en betydelig forsik<span class=\"_ _5\"></span>ringsrisiko fra en forsikringst<span class=\"_ _5\"></span>aker ved \u00e5 samtykke i \u00e5 betale erstatni<span class=\"_ _5\"></span>ng til forsikringstakeren dersom en angitt usikker framtidi<span class=\"_ _5\"></span>g hendelse p\u00e5virker forsikringst<span class=\"_ _5\"></span>akeren negativt.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">Investerings</span>k<span class=\"_ _5\"></span>ontrakter med skj\u00f8nnsmessi<span class=\"_ _5\"></span>ge deler er ogs\u00e5 klassifisert som forsikringsk<span class=\"_ _5\"></span>ontrakter. I konsernet utstedes forsikringsk<span class=\"_ _5\"></span>ontrakter av det heleide datterselsk<span class=\"_ _5\"></span>apet DNB Livsforsikri<span class=\"_ _5\"></span>ng (et livsforsikringss<span class=\"_ _5\"></span>elskap). <span class=\"ls0 ws0\"> </span>Produkter som tilbys av DNB Livsforsik<span class=\"_ _5\"></span>ring og som er klassifisert som forsikringskont<span class=\"_ _5\"></span>rakter omfatter tradisjonel<span class=\"_ _5\"></span>le garanterte produkter (ytels<span class=\"_ _5\"></span>es<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>basert pensjon, fri<span class=\"_ _5\"></span>poliser, gamle individuelle produkter og garanti<span class=\"_ _5\"></span>konto), risikopensjoner og personalforsik<span class=\"_ _5\"></span>ring. Forsikringsk<span class=\"_ _5\"></span>ontrakter presenteres som \u00abforsikri<span class=\"_ _5\"></span>ngsforpliktelse\u00bb i balansen. I tillegg brukes gjenf<span class=\"_ _5\"></span>orsikringskontrakter for \u00e5 redusere risiko<span class=\"wscf\">ek<span class=\"_ _5\"></span>spo<span class=\"wsd2\">neringen. Diss<span class=\"_ _5\"></span>e kontraktene er </span></span>presentert som \u00abandre eiendeler\u00bb i balans<span class=\"_ _5\"></span>en.<span class=\"ls0 ws0\"> </span>Flere invest<span class=\"_ _5\"></span>eringskontrakter (herunder unit li<span class=\"_ _5\"></span>nk<span class=\"ls0 ws0\">-</span>kontrakter) og innskuddspensj<span class=\"_ _5\"></span>on i DNB Livsforsikring klassifiseres ikke som forsikringsk<span class=\"_ _5\"></span>ontrakter. Disse kontrakt<span class=\"_ _5\"></span>ene klassifiseres og m\u00e5les som finansielle instrumenter (IFRS 9), se ytterl<span class=\"_ _5\"></span>igere informasjon i<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">note K<span class=\"_ _5\"></span>34<span class=\"ls0 ws0\"> </span></span>Eiendeler <span class=\"_ _5\"></span>og forpliktelser,<span class=\"_ _5\"></span> kunder b\u00e6rer <span class=\"_ _5\"></span>risikoen<span class=\"lsc1 wsce\">. </span>M\u00e5lemetode<span class=\"ls0 ws0\"> </span>Hovedtrekkene i den generelle m\u00e5lem<span class=\"_ _5\"></span>odellen (GMM) for m\u00e5ling av forsikringsf<span class=\"_ _5\"></span>orpliktelser er:<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse representerer n\u00e5v<span class=\"_ _5\"></span>erdien av framtidige kontantstr\u00f8mmer inkludert<span class=\"_ _5\"></span> en risikojustering for ikke</span>-<span class=\"lsaf wsf6\">finans<span class=\"_ _5\"></span>iell risiko. </span></span>Beregningene er gjort p\u00e5 gruppeniv\u00e5 for f<span class=\"_ _5\"></span>orsikringskontrakter.<span class=\"ls0 ws0\"> </span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsd2\">Forplikt<span class=\"_ _5\"></span>elsene inkluderer <span class=\"_ _5\"></span>estimert kontraktsregul<span class=\"_ _5\"></span>ert tjenes<span class=\"_ _5\"></span>te<span class=\"wsf6\">margin (CSM), som representerer det ikke</span></span>-<span class=\"lsaf wsf6\">opptjent<span class=\"_ _5\"></span> gevinst</span>-<span class=\"lsaf wsd2\">elementet i<span class=\"_ _5\"></span> </span></span>forsikringsk<span class=\"_ _5\"></span>ontraktene. <span class=\"wsf6\">CSM resultatf<span class=\"_ _5\"></span>\u00f8res over forsikringskontraktenes deknings<span class=\"_ _5\"></span>periode.<span class=\"ls0 ws0\"> </span></span><span class=\"ff2c0\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Visse endringer i estimat<span class=\"_ _5\"></span>ene for n\u00e5verdien av framtidige kontantstr\u00f8mmer og risikoj<span class=\"_ _5\"></span>usteringen for ikke</span>-<span class=\"lsaf wsf6\">finansi<span class=\"_ _5\"></span>ell risiko justeres mot CSM og </span></span>regnskapsf\u00f8<span class=\"_ _5\"></span>res i resultatregnskapet over den gjenv\u00e6rende dekningsperioden for de aktuell<span class=\"_ _5\"></span>e kontraktene. Effekten av <span class=\"wsd2\">endringer i t<span class=\"_ _5\"></span>idsverdi </span>av penger og andre finansielle risikoer,<span class=\"_ _5\"></span> som ikke justerer CSM, regnskapsf\u00f8res i resultat<span class=\"_ _5\"></span>regnskapet. DNB har valgt \u00e5 ikke benytte OCI<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>opsjonen som er tillatt etter IFRS 17.<span class=\"ls0 ws0\"> </span>Risikopensj<span class=\"_ _5\"></span>oner m\u00e5les i henhold til GMM.<span class=\"ls0 ws0\"> </span>\u00abVariable fee\u00bb<span class=\"ls0 ws0\">-</span>t<span class=\"_ _5\"></span>iln\u00e6rmingen (VFA) er en variant av GMM og gjelder forsikringskontrakt<span class=\"_ _5\"></span>er med elementer av direkte deltakelse (kontrakter med et betydelig element av investerings<span class=\"_ _5\"></span>relaterte tjenest<span class=\"_ _5\"></span>er knyttet til avkastningen p\u00e5 de underliggende postene). Underli<span class=\"_ _5\"></span>ggende poster best\u00e5r av spesifisert<span class=\"_ _5\"></span>e portef\u00f8ljer av investeringer som fastsett<span class=\"_ _5\"></span>er bel\u00f8p som skal tilfalle forsikri<span class=\"_ _5\"></span>ngstakere. Ledelsen bruker skj\u00f8nn for \u00e5 vurdere om kriteri<span class=\"_ _5\"></span>ene for bruk av VFA er oppf<span class=\"_ _1\"></span>ylt, der relev<span class=\"_ _5\"></span>ante elementer av deltagelse, inkludert overskudds<span class=\"_ _5\"></span>deling mellom kontrakter, tas i betraktning. Under VFA vil ogs\u00e5 estimert framtidig \u00abvariabl<span class=\"_ _5\"></span>e fee\u00bb, som inkluderer endringer i diskonteringsrente og noen andre finans<span class=\"_ _5\"></span>ielle<span class=\"ls0 ws0\"> </span>effekt<span class=\"_ _5\"></span>er, justeres mot CSM<span class=\"_ _1\"></span>. VFA<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">produktene har en investeringskomponent. N\u00e5r</span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>an vurderer om produkter har en investeringskomponent, tas det hensyn til </span></span>relevante el<span class=\"_ _5\"></span>ementer av deltagelse, inkludert overskudds<span class=\"wsd2\">del<span class=\"_ _5\"></span>ing mellom kont<span class=\"_ _5\"></span>rakter.<span class=\"ls0 ws0\"> </span></span>VFA brukes for de fleste livsforsikri<span class=\"_ _5\"></span>ngsproduktene, inkl<span class=\"_ _5\"></span>udert de tradisjonelle garanterte produktene.<span class=\"ls0 ws0\"> </span>Premiefordel<span class=\"_ _5\"></span>ingsmetoden (PAA) er en valgfri forenklet m\u00e5lemodel<span class=\"_ _5\"></span>l, i hovedsak for kortsiktige kontrakter med dekningsperiode p\u00e5 inntil 12 m\u00e5neder. Denne metoden brukes for personal<span class=\"_ _5\"></span>forsikring og gjenforsikring. DNB har for PAA valgt \u00e5 kostnadsf\u00f8re kont<span class=\"_ _5\"></span>ant<span class=\"ls0 ws0\">s</span><span class=\"wsd2\">tr\u00f8mmer ved </span>anskaffelse n\u00e5r de p\u00e5l\u00f8per. Forplik<span class=\"_ _5\"></span>telsen for inntrufne skader i PAA justeres for tidsverdi<span class=\"_ _5\"></span>en av penger <span class=\"_ _1\"></span>og virkni<span class=\"_ _5\"></span>ngen av finansiell risiko. Forsikrings<span class=\"_ _5\"></span>forpliktelser innenfor PAA er opprinnelig innregnet<span class=\"_ _5\"></span> som mottatte premieinntekter.<span class=\"ls0 ws0\"> </span>M\u00e5lingen av forsikringsf<span class=\"_ _5\"></span>orpliktelser oppdateres<span class=\"_ _5\"></span> basert p\u00e5 gjeldende forutsetninger ved utgangen av hver rapporterings<span class=\"_ _5\"></span>periode, herunder oppdatert disk<span class=\"_ _5\"></span>onteringsrente.<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyl<span class=\"_ _5\"></span>lelse<span class=\"ls0 ws0\"> </span>Kontantst<span class=\"_ _5\"></span>r\u00f8mmer for oppfyllelse inkluderer bel\u00f8p konsernet forvent<span class=\"_ _5\"></span>er \u00e5 innhente fra premier og utbetalinger til krav, ytelser<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span>og kostnader. Estimatene hensynt<span class=\"_ _5\"></span>ar eksplisitt justering for ikke<span class=\"ls0 ws0\">-</span>f<span class=\"_ _5\"></span>inansiell risiko og er basert p\u00e5 forholdene p\u00e5 balansedagen. For<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">\u00e5 <span class=\"_ _5\"></span>beregne framtidige </span>kontantst<span class=\"_ _5\"></span>r\u00f8mmer for fors<span class=\"_ _5\"></span>ikringskontrakter <span class=\"_ _5\"></span>benyttes kontantst<span class=\"_ _5\"></span>r\u00f8mmene i Solv<span class=\"_ _5\"></span>ens II<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">direktiv<span class=\"_ _5\"></span>et som grunnlag for beregningene, med enkelte </span>justeri<span class=\"_ _5\"></span>nger. Estimatene vil blant annet omfatte stokastisk modell<span class=\"_ _5\"></span>ering (risikon\u00f8ytrale metoder) for<span class=\"ls0 ws0\"> </span>\u00e5 m\u00e5le finansiel<span class=\"_ _5\"></span>le opsjoner og garantier.<span class=\"ls0 ws0\"> </span>Risikojusteri<span class=\"_ _5\"></span>ngene for ikk<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\">-</span><span class=\"wsf6\">finansiell risik<span class=\"_ _5\"></span>o, hovedsakelig knyttet til risiko for uf\u00f8rhet og forventet levealder, beregnes<span class=\"_ _5\"></span> etter samme metode som </span>for risikomarginen under S<span class=\"_ _5\"></span>olvens II, men i noen grad med andre forutsetninger. Den beregnede risiko<span class=\"wscf\">jus<span class=\"_ _5\"></span>tering</span>en tilsvarer et konfi<span class=\"_ _5\"></span>densniv\u00e5 p\u00e5 88 prosent.<span class=\"ls0 ws0\"> </span>Diskonterings<span class=\"_ _5\"></span>rente<span class=\"ls0 ws0\"> </span>Metoden som brukes for \u00e5 beregne den markedsbaserte diskont<span class=\"_ _5\"></span>eringsrenten er basert p\u00e5 en \"bottom<span class=\"ls0 ws0\">-</span><span class=\"wscf\">up\"<span class=\"ls0 ws0\">-</span></span>metode. Den risik<span class=\"_ _5\"></span>ofrie renten er avledet av den norske swaprenten de f\u00f8rst<span class=\"_ _5\"></span>e ti \u00e5rene. Kredittrisiko er justert for ved \u00e5 benytte samme metode som ved fastsettelse av Solvens II<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>direktivets<span class=\"_ _5\"></span> rentekurve. Etter ti \u00e5r ekstrapoleres rent<span class=\"_ _5\"></span>ekurven til en forward rate etter Smith<span class=\"ls0 ws0\">-<span class=\"lsbe ws10b\">Wils<span class=\"_ _5\"></span>on</span>-</span>metoden. Det legges til en illikv<span class=\"_ _5\"></span>iditets<span class=\"_ _1c5\"> </span>premie for hele l\u00f8peti<span class=\"_ _5\"></span>den under forutsetning av at forpliktelsene er illikvide gjennom hele p<span class=\"wscf\">eri<span class=\"_ _5\"></span>oden<span class=\"_ _1c5\"> </span></span><span class=\"wscf\">.<span class=\"_ _1c5\"> </span></span>Aggregeringsniv<span class=\"_ _5\"></span>\u00e5<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontraktene er delt inn i grupper av kontrakter. En portef\u00f8lje best\u00e5r av kontrakter som er underlagt li<span class=\"_ _5\"></span>gnende risiko og som forvaltes sammen. Port<span class=\"_ _5\"></span>ef\u00f8ljen vil v<span class=\"_ _5\"></span>idere bli delt <span class=\"_ _5\"></span>inn i <span class=\"_ _5\"></span>l\u00f8nnsom<span class=\"lsbd ws104\">het<span class=\"_ _5\"></span>s<span class=\"_ _5\"></span></span><span class=\"wsf6\">grupper og \u00e5rganger (\u00e5rlige kohorter).<span class=\"_ _5\"></span> For kontrakter m\u00e5lt etter VFA gjelder \"carve<span class=\"ls0 ws0\">-</span><span class=\"wscf\">out\"<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>unntaket godkj<span class=\"_ _5\"></span>ent av EU for \u00e5rlige ko<span class=\"wscf\">horter.<span class=\"ls0 ws0\"> </span></span>Kontraktens grense<span class=\"ls0 ws0\"> </span>Konsernet benytter begrepet<span class=\"_ _5\"></span> kontraktens grense for \u00e5 bestemme hvilke kontantst<span class=\"_ _5\"></span>r\u00f8mmer som s<span class=\"_ _1\"></span>kal<span class=\"_ _5\"></span> inng\u00e5 i m\u00e5lingen av grupper av forsikringsk<span class=\"_ _5\"></span>ontrakter. For de fleste tradisjonell<span class=\"_ _5\"></span>e garanterte produkter vurderes kontraktenes grens<span class=\"_ _5\"></span>er \u00e5 v\u00e6re langsiktige, noe<span class=\"ls0 ws0\"> <span class=\"lscd ws133\">som i<span class=\"_ _5\"></span></span></span>nneb\u00e6rer at alle framtidi<span class=\"_ _5\"></span>ge premier inng\u00e5r i kontantstr\u00f8mmene. Risikopensj<span class=\"_ _5\"></span>oner, garantikonto og personalfors<span class=\"_ _5\"></span>ikring har en kontraktsgrense p\u00e5 ett \u00e5r. Gjenforsikri<span class=\"_ _5\"></span>ngskontrakter har en kontraktsgrens<span class=\"_ _5\"></span>e p\u00e5 tre m\u00e5neder.<span class=\"ls0 ws0\"> </span>Innregning i res<span class=\"_ _5\"></span>ultatregnskapet<span class=\"ls0 ws0\"> </span>Linjen \u00abNetto forsik<span class=\"_ _5\"></span>ringsresultat\u00bb inkluderer b\u00e5de resultat f<span class=\"_ _5\"></span>ra forsikringstjenester og finansres<span class=\"_ _5\"></span>ultat, livsforsikri<span class=\"_ _5\"></span>ng.<span class=\"ls0 ws0\"> </span>Resultat fra forsik<span class=\"_ _5\"></span>ringstjenester omfatter f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Forsikrings<span class=\"_ _5\"></span>inntekt, herunder frigiv<span class=\"_ _5\"></span>else av CSM og risikojustering i perioden.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Kostnader for fors<span class=\"_ _5\"></span>ikringstjenester, herunder driftsk<span class=\"_ _5\"></span>ostnader knyttet til forsikringsk<span class=\"_ _5\"></span>ontrakter.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Netto inntekt / kostnad fra gjenf<span class=\"_ _5\"></span>orsikringskontrakter gjennom perioden.</span> </span>Finansres<span class=\"_ _5\"></span>ultat, livsforsikring inkluderer f\u00f8l<span class=\"_ _5\"></span>gende komponenter:<span class=\"ls0 ws0\"> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngsinntekter fra underliggende eiendeler ell<span class=\"_ _5\"></span>er gruppe av eiendeler, m\u00e5lt til virkelig verdi.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle forsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span><span class=\"ff2c2\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Finansi<span class=\"_ _5\"></span>elle gjenforsikringsinnt<span class=\"_ _5\"></span>ekter eller </span>-<span class=\"lsaf wscf\">kostnader.</span> </span>Frigivelsen av CSM i resultatregnskapet<span class=\"_ _5\"></span> bestemmes av allokering av CSM ved utgangen av rapporteringsperioden for innev\u00e6rende <span class=\"wscf\">og </span>forventede gjenv\u00e6rende dek<span class=\"_ _5\"></span>ningsperiode for gruppen av forsikringskont<span class=\"_ _5\"></span>rakter, basert p\u00e5 dekningsenheter. Deknings<span class=\"_ _5\"></span>perioden er per<span class=\"wscf\">ioden </span>foretaket yter fors<span class=\"_ _5\"></span>ikringskontrakttj<span class=\"_ _5\"></span>enester. Forsikringskontrak<span class=\"_ _5\"></span>ttjenester inkluderer dek<span class=\"_ _5\"></span>ning for en forsikret hendelse, inves<span class=\"wscf\">teringsavk<span class=\"_ _5\"></span>astnings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>tjeneste og investeri<span class=\"_ _5\"></span>ngsrelatert tjeneste der det er relevant. Dekningsenhet<span class=\"_ _5\"></span>er for gruppen av forsikringskontrakter f<span class=\"_ _5\"></span>astsettes ved \u00e5 vurdere mengden av ytelser for hver kontrakt og dens forventet dekni<span class=\"_ _5\"></span>ngsperiode. Mengden av ytelser for investeringsavkastni<span class=\"_ _5\"></span>ng og inve<span class=\"wscf\">steringsrelatert </span>tjenester er eiendel<span class=\"_ _5\"></span>er under forvaltning, og for en forsikret hendelse er det forventede utbetalte ytels<span class=\"_ _5\"></span>er. Den relative vektingen av ytelsene for hver rapporterings<span class=\"_ _5\"></span>periode for tradisjonelle garant<span class=\"_ _5\"></span>erte produkter er basert p\u00e5 det maksimale av garantert rente og forventet a<span class=\"ls0 ws0\">v</span>kastning p\u00e5 eiendeler i perioden,<span class=\"_ _5\"></span> sammenliknet med forventede utbetalte ytelser. Konsernet har valgt \u00e5 diskontere deknings<span class=\"_ _5\"></span><span class=\"wsd2\">enheter med s<span class=\"_ _5\"></span>amme </span>diskonterings<span class=\"_ _5\"></span>rente som ved diskontering av kontantstr\u00f8mmer.<span class=\"ls0 ws0\"> </span>For frigivels<span class=\"_ _5\"></span>en av CSM behandles hvert kvartal som en atskilt del\u00e5rsrapporteringsperiode.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Endringer som er knyttet til n\u00e5v\u00e6rende eller ti<span class=\"_ _5\"></span>dligere tjenester, regnskapsf\u00f8res i result<span class=\"_ _5\"></span>atregnskapet, og endringer som er knyttet til framt<span class=\"_ _5\"></span>idige tjenester, i<span class=\"_ _5\"></span>nnregnes ved balansef\u00f8ring mot CSM eller mot tapskomponenten.<span class=\"ls0 ws0\"> </span>Frigivelsen av risikoj<span class=\"_ _5\"></span>usteringen er basert p\u00e5 utviklingen i kapitalkost<span class=\"_ _5\"></span>naden for hver periode. Hele endringen av risikojusteri<span class=\"_ _5\"></span>ngen, inkludert finanseff<span class=\"_ _5\"></span>ekten, inng\u00e5r i resultat fra forsikrings<span class=\"wscf\">tj<span class=\"_ _5\"></span>enester.<span class=\"ls0 ws0\"> </span></span>Forventet og faktisk tilbak<span class=\"_ _5\"></span>ebetaling av investeringskomponent<span class=\"_ _5\"></span>en under VFA vil ikke v\u00e6re en del av for<span class=\"_ _1\"></span>sikri<span class=\"_ _5\"></span>ngsinntekter og kostnader for forsikringst<span class=\"_ _5\"></span>jenester.<span class=\"ls0 ws0\"> </span>Tapsbringende k<span class=\"_ _5\"></span>ontrakter innregnes umiddelbart som tap under kostnader for forsik<span class=\"_ _5\"></span>ringstjenester.<span class=\"ls0 ws0\"> </span>For kontrakter m\u00e5lt under VFA vil finansresultat<span class=\"_ _5\"></span>et v\u00e6re tiln\u00e6rmet null, fordi forsik<span class=\"_ _5\"></span>ringsfinansinntekter eller <span class=\"ls0 ws0\">-</span>kost<span class=\"_ _5\"></span>nader som omfatter endringer i virkelig verdi av underli<span class=\"_ _5\"></span>ggende poster (unntatt tillegg og uttak) vil v\u00e6re tiln\u00e6rmet likt s<span class=\"_ _5\"></span>om investeringsinntektene fra underliggende eiendeler m\u00e5lt til virkelig<span class=\"_ _1\"></span> verdi.<span class=\"ls0 ws0\"> </span>I konsernet utstedes forsikri<span class=\"_ _5\"></span>ngskontrakter av det heleide datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring AS. Alle tall i denne noten repr<span class=\"ws114\">esent<span class=\"_ _5\"></span>erer konsernets </span>forsikringsf<span class=\"_ _5\"></span>orpliktelser, med unntak av referanser t<span class=\"_ _5\"></span>il solvenskapital, som er oppgitt for datterselskapet<span class=\"_ _5\"></span> DNB Livsforsikring <span class=\"lsd3\">AS.<span class=\"ls0 ws0\"> </span></span>Forsikri<span class=\"_ _1\"></span>ngskontrakter<span class=\"ls0 ws0\"> </span>Forsikringsk<span class=\"_ _5\"></span>ontrakter omfatter tradisj<span class=\"_ _5\"></span>onelle garanterte produkter, risikopensj<span class=\"_ _5\"></span>oner og personalforsikring. Portef<span class=\"_ _5\"></span>\u00f8ljen av tradisjonelle garanterte produkter er stengt for nytegninger,<span class=\"_ _5\"></span> noe som betyr at den er under av<span class=\"_ _1\"></span>vikl<span class=\"_ _5\"></span>ing.<span class=\"_ _1c5\"> </span>Tradi<span class=\"_ _1\"></span>sjonel<span class=\"_ _1\"></span>le g<span class=\"_ _1\"></span>arante<span class=\"_ _1\"></span>rte pro<span class=\"_ _1\"></span>dukt<span class=\"_ _1\"></span>er<span class=\"ls0 ws0\"> </span>De st\u00f8rste portef\u00f8lj<span class=\"_ _5\"></span>ene i denne kategorien er ytelsespensjon og fripoliser. <span class=\"ls0 ws0\"> </span>Ytelses<span class=\"_ _5\"></span>pensjon kan omfatte alderspensjon, uf\u00f8repensjon, ekt<span class=\"_ _5\"></span>efellepensjon, samboerpensjon ell<span class=\"_ _5\"></span>er barnepensjon. <span class=\"wscf\">Ved alder</span>spensj<span class=\"_ _5\"></span>on utbetales pensjonen<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">f<span class=\"_ _5\"></span>ra en avtalt alder og s\u00e5 lenge den <span class=\"_ _1\"></span>fors<span class=\"_ _5\"></span>ikrede lever. Det kan ogs\u00e5 avtales at pensjonsutbetalingene opph\u00f8rer ved en viss alder. </span>Utover spareprem<span class=\"_ _5\"></span>ie, innbet<span class=\"_ _5\"></span>ales e<span class=\"wsf6\">n premie for renterisik<span class=\"_ _5\"></span>o, forsikringsrisiko og administrasjon<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span></span>p\u00e5 forh\u00e5nd.<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">Yt<span class=\"_ _5\"></span>elsespensjon inkluderer en \u00e5rlig </span>garantert avkast<span class=\"_ _5\"></span>ning til forsikringstakeren.<span class=\"_ _5\"></span> <span class=\"wscf\">Tildeling </span>til forsik<span class=\"_ _5\"></span>ringstakeren er definert i for<span class=\"wscf\">sikringsvi<span class=\"_ _5\"></span>rksomhetsloven</span>, og selskapet kan benytte bufferkont<span class=\"_ _5\"></span>oer for \u00e5 oppfylle den garanterte avkastningen<span class=\"ls0 ws0\">.  </span>N\u00e5r et medlem trer ut av en pensjonsavtale eller en pensjonsavtale opph\u00f8rer, har medlemmet krav p\u00e5 en fripol<span class=\"_ _5\"></span>ise. Rettighetene<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">som er oppt<span class=\"_ _5\"></span>jent </span>p\u00e5 oppsigelsesti<span class=\"_ _5\"></span>dspunktet videref\u00f8res i fripol<span class=\"_ _5\"></span>iser. Fripoliser har en egen overskuddsfordelingsm<span class=\"_ _5\"></span>odell<span class=\"lsc4 ws0\">. S</span>el<span class=\"_ _5\"></span>skapet kan<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">som for y<span class=\"_ _5\"></span>telsespensjon<span class=\"ls0 ws0\">, </span></span>benytte bufferk<span class=\"_ _5\"></span>ontoer <span class=\"wsf6\">for \u00e5 oppfylle den garanterte avkast<span class=\"_ _5\"></span>ningen.<span class=\"ls0 ws0\"> </span></span>Ri<span class=\"lsb7 ws100\">sikope<span class=\"_ _5\"></span>nsjoner<span class=\"ls0 ws0\"> </span></span>En risikopensjon er knyttet ti<span class=\"_ _5\"></span>l en innskuddspensjon<span class=\"lscd ws12a\">, s<span class=\"_ _5\"></span>om <span class=\"_ _5\"></span><span class=\"lsbc ws0\">kan<span class=\"_ _1\"></span> omfatte<span class=\"_ _1\"></span><span class=\"ls0\"> <span class=\"lsaf wscf\">innskuddsfrit<span class=\"_ _5\"></span>ak,</span> <span class=\"lsaf wsf6\">uf\u00f8repensjon, ektefellepens<span class=\"_ _5\"></span>jon, samboerpensjon eller </span></span></span></span>barnepensjon. <span class=\"_ _5\"></span>Innskuddsfritak<span class=\"_ _5\"></span><span class=\"lsbd ws104\">et<span class=\"ls0 ws0\"> </span></span><span class=\"wsf6\">er obligat<span class=\"_ _5\"></span>orisk for alle bedrifter i Norge,<span class=\"ls0 ws0\"> </span></span>Pers<span class=\"_ _5\"></span>onalforsik<span class=\"_ _5\"></span>ring<span class=\"ls0 ws0\"> </span>Personalf<span class=\"_ _5\"></span>orsikring er et ett\u00e5rig risikoprodukt, som kan omfatte gruppelivs<span class=\"_ _5\"></span>forsikring, ulykk<span class=\"_ _5\"></span>esforsikring eller helseforsikri<span class=\"_ _5\"></span>ng<span class=\"wsd2\">. Yrkesskadef<span class=\"_ _5\"></span>orsikring </span>er obligatorisk<span class=\"_ _5\"></span> for alle bedrifter i Norge. <span class=\"ls0 ws0\"> </span>Risiko i for<span class=\"_ _1\"></span>sikringskontrakter<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span>Risiko i forsik<span class=\"_ _5\"></span>ringskontrakter omfatter finansi<span class=\"_ _5\"></span>ell risiko og forsikringsrisiko, i til<span class=\"_ _5\"></span>legg til operasjonell risiko og forretnings<span class=\"_ _5\"></span>risiko. Finansiell risiko omfatter k<span class=\"_ _5\"></span>reditt<span class=\"ls0 ws0\">-<span class=\"lsbe ws104\">, l<span class=\"_ _5\"></span>ikvi<span class=\"_ _5\"></span>dit<span class=\"_ _5\"></span>ets</span>- </span><span class=\"wsf6\">og mark<span class=\"_ _5\"></span>edsrisiko. Markedsrisik<span class=\"_ _5\"></span>o er risiko knyttet til aksjekurs, rente</span>r <span class=\"_ _5\"></span>og eiendom. Fors<span class=\"_ _5\"></span>ikringsrisiko k<span class=\"_ _5\"></span>nytter seg i hovedsak til endringer i framt<span class=\"_ _5\"></span>idige forsikringsutbetali<span class=\"_ _5\"></span>nger som f\u00f8lge av endringer i forventet levealder (d\u00f8delighet) og uf\u00f8rhet.<span class=\"_ _5\"></span> Risiko knyttet til forsikrings<span class=\"wsf6\">k<span class=\"_ _5\"></span>ontrakter blir i varierende grad delt mellom forsikringst<span class=\"_ _5\"></span>akeren og selskapet. <span class=\"ls0 ws0\"> </span></span>Marked<span class=\"_ _1\"></span>srisi<span class=\"_ _1\"></span>ko<span class=\"ls0 ws0\"> </span>Hovedrisikoen er at finans<span class=\"_ _5\"></span>avkastning ikke vil v\u00e6re tilstrekkelig til \u00e5 oppfylle forplikt<span class=\"_ _5\"></span>elsene som er angitt i forsikringspolis<span class=\"_ _5\"></span>er, og som inkluderer den \u00e5rlige garanterte avk<span class=\"_ _5\"></span>astningen. Gjennomsnittet f<span class=\"_ _5\"></span>or den garanterte avkastningen p\u00e5 forsikringsforplik<span class=\"_ _5\"></span>telsene var 2,9 prosent per <span class=\"ls0 ws0\"> </span>31. desember 2025 og 2,9 prosent per 31. desember 2024. Dersom avkastning<span class=\"wscf\">en<span class=\"ls0 ws0\"> </span></span>for et \u00e5r er mindre enn den garanterte avk<span class=\"_ _5\"></span>astningen, kan selskapet<span class=\"ls0 ws0\"> </span>benyt<span class=\"_ _5\"></span>te <span class=\"wsf6\">tilgjengelige bufferkont<span class=\"_ _5\"></span>oer<span class=\"ls0 ws0\"> </span>til \u00e5 dekke manglende avkastning<span class=\"lsb9 ws123\">. Ellers<span class=\"ls0 ws0\"> </span></span></span>m\u00e5 selskap<span class=\"lsc4 ws115\">et </span><span class=\"wsf6\">kompens<span class=\"_ _5\"></span>ere for manglende avkastning.<span class=\"ls0 ws0\"> </span></span>Forsi<span class=\"_ _5\"></span>kringsris<span class=\"_ _5\"></span>iko <span class=\"ls0 ws0\"> </span>Forsikrings<span class=\"_ _5\"></span>risiko oppst\u00e5r n\u00e5r faktiske dat<span class=\"_ _5\"></span>a for d\u00f8delighet, uf\u00f8rhet og erstatningskrav avviker fra de forutsetni<span class=\"_ _5\"></span>ngene som ligger til grunn for beregningsgrunnlaget<span class=\"_ _5\"></span> for premier og avsetninger. For eksempel vil en generell \u00f8kning i forventet levealder eller uf\u00f8rhet f\u00f8re til \u00f8kte ut<span class=\"_ _5\"></span>betalinger etter forsikri<span class=\"_ _5\"></span>ngsavtalen. L\u00f8nnsomheten kan dermed svekkes dersom faktisk d\u00f8deli<span class=\"_ _5\"></span>ghet eller uf\u00f8rhet avviker vesentlig fra prisf<span class=\"_ _5\"></span><span class=\"wscf\">orventningene. <span class=\"ls0 ws0\"> </span></span>Likv<span class=\"_ _1\"></span>iditet<span class=\"_ _1\"></span>srisiko<span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span>Likvidit<span class=\"_ _5\"></span>etsrisiko er risikoen for at DNB ikke er i stand til \u00e5 innfri sine forpliktels<span class=\"_ _5\"></span>er ved forfall, eller ikke klarer \u00e5 m\u00f8t<span class=\"wsd2\">e sine li<span class=\"_ _5\"></span>kviditetsforpl<span class=\"_ _5\"></span>iktelser </span>uten at kostnaden ved dette \u00f8ker for mye. DNB styrer likvidit<span class=\"_ _5\"></span>etsrisikoen slik at konsernet til enhver tid har tilstrekk<span class=\"_ _5\"></span>elige likvide midler til \u00e5 oppfylle sine forpl<span class=\"_ _5\"></span>iktelser. Fors<span class=\"_ _5\"></span>ikringsforplikt<span class=\"_ _5\"></span>elsen<span class=\"ls0 ws0\">e </span><span class=\"wscf\">har gjennomsnittl<span class=\"_ _5\"></span>ig <span class=\"wsf6\">lang durasjon sammenliknet med aktivaplass<span class=\"_ _5\"></span>eringene, som har relativt kort </span></span>durasjon. Likvidi<span class=\"_ _5\"></span>tetsrisikoen har generelt bli<span class=\"_ _5\"></span>tt vurdert til<span class=\"ls0 ws0\"> </span>\u00e5 v\u00e6re lav for forsikringsforpl<span class=\"_ _5\"></span>iktelser. <span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser en forfal<span class=\"_ _5\"></span>lsanalyse av konsernets forsikrings<span class=\"wscf\">kontrak<span class=\"_ _5\"></span>ter<span class=\"wsd2\">, som <span class=\"_ _5\"></span>reflekterer t<span class=\"_ _5\"></span>idsintervallene f<span class=\"_ _5\"></span>or </span></span>n\u00e5verdi<span class=\"_ _5\"></span>en av <span class=\"wscf\">forventede </span>framti<span class=\"_ _5\"></span>dige kontantstr\u00f8mmer<span class=\"ls0 ws0\">. </span><table class=\"s w3c9 h51d\" id=\"_808f149c-32a5-4ca0-b1ed-ac607bb494df\"><tr><td></td><td class=\"c x523 y4444 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Betalin<span class=\"_ _5\"></span>g p\u00e5<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4444 wde hd7\"><div class=\"t m2 x247 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Inntil<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4444 wdf hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 1 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4444 wde hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 2 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 3 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4444 wdd hd7\"><div class=\"t m2 x44 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">Fra 4 \u00e5r<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4444 wdc hd7\"><div class=\"t m2 x20f hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Over<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y4445 w1f9 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2cd fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4445 wdd hd7\"><div class=\"t m2 x28c hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">foresp<span class=\"_ _5\"></span>\u00f8rsel<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x524 y4445 wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">1 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x525 y4445 wdf hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>2 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x526 y4445 wde hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>3 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x527 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>4 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4445 wdd hd7\"><div class=\"t m2 x20a hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">inntil <span class=\"_ _5\"></span>5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x529 y4445 wdc hd7\"><div class=\"t m2 x19e hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscd\">5 \u00e5r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4445 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2cc fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4446 w1f9 h15b\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">477</span> </div></td><td class=\"c x524 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">405</span> </div></td><td class=\"c x525 y4446 wdf h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">005</span> </div></td><td class=\"c x526 y4446 wde h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">055</span> </div></td><td class=\"c x527 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">042</span> </div></td><td class=\"c x528 y4446 wdd h15b\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">498</span> </div></td><td class=\"c x529 y4446 wdc h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">143<span class=\"ls0 ws0\"> </span>644<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4446 wdd h15b\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>649<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4447 w1f9 h135\"><div class=\"t m2 x19f hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscd\">L\u00f8peti<span class=\"_ _5\"></span>d per 31.<span class=\"_ _5\"></span> desem<span class=\"_ _5\"></span>ber <span class=\"_ _5\"></span>2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x523 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x524 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">775</span> </div></td><td class=\"c x525 y4447 wdf h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">617</span> </div></td><td class=\"c x526 y4447 wde h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x527 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">877</span> </div></td><td class=\"c x528 y4447 wdd h135\"><div class=\"t m2 x209 hcc y1da9 ff2cc fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">020</span> </div></td><td class=\"c x529 y4447 wdc h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">144<span class=\"ls0 ws0\"> </span>717<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52a y4447 wdd h135\"><div class=\"t m2 x1bc hcc y1da9 ff2cc fs53 fc21 sc0 lsab wscb\">173<span class=\"ls0 ws0\"> </span>769<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Over<span class=\"_ _5\"></span>v\u00e5king <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>DNB Livsforsikri<span class=\"_ _5\"></span>ng benytter <span class=\"wsd2\">blant annet </span>et ris<span class=\"_ _5\"></span>ikoappetittrammeverk for risikosty<span class=\"_ _5\"></span>ring. Risikoappetitten er satt med m\u00e5l for kapitalis<span class=\"_ _5\"></span>ering, markeds<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>risiko, fors<span class=\"_ _5\"></span>ikringsrisiko og operasjonell risik<span class=\"_ _5\"></span>o. Styret fastsetter \u00e5rlige rammer for finansiel<span class=\"_ _5\"></span>l risiko og forsikringsrisiko<span class=\"ls0 ws0\">, </span><span class=\"wsd2\">i t<span class=\"_ _5\"></span>illegg ti<span class=\"_ _5\"></span>l rammene for </span>ris<span class=\"_ _5\"></span>iko<span class=\"_ _5\"></span><span class=\"lsaf wsf6\">appetitt. Rammene f\u00f8lges opp l\u00f8pende.<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></span>DNB Livsforsikri<span class=\"_ _5\"></span>ng har inng\u00e5tt gjenforsikringsavtal<span class=\"_ _5\"></span>er som beskytter mot risiko for d\u00f8d og uf\u00f8rhet dersom katastrofelignende hendelser i<span class=\"_ _5\"></span>nntreffer.<span class=\"ls0 ws0\"> </span>I tillegg vurderes avkastni<span class=\"_ _5\"></span>ngen p\u00e5 selskapets investeringer l\u00f8pende.<span class=\"_ _5\"></span> Dette omfatter vurderinger knytt<span class=\"_ _5\"></span>et til realisasjon av investeringer f<span class=\"_ _5\"></span>or <span class=\"_ _1\"></span>\u00e5 opp<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>n\u00e5 <span class=\"lsbd ws117\">ti<span class=\"_ _5\"></span>ls<span class=\"_ _5\"></span>t<span class=\"_ _5\"></span>rek<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>eli<span class=\"_ _5\"></span>g av<span class=\"_ _5\"></span>k<span class=\"_ _5\"></span>ast<span class=\"_ _5\"></span>n<span class=\"_ _5\"></span>in<span class=\"_ _5\"></span>g fo<span class=\"_ _5\"></span>r \u00e5 opp<span class=\"_ _5\"></span>f<span class=\"_ _5\"></span>yl<span class=\"_ _5\"></span>l<span class=\"_ _5\"></span>e </span><span class=\"wsf6\">den \u00e5rlige garanterte <span class=\"lsbf ws107\">avka<span class=\"_ _1\"></span>stni<span class=\"_ _1\"></span>ng<span class=\"lsaf wsd2\">, samt avs<span class=\"_ _5\"></span>etning<span class=\"ls0 ws0\"> <span class=\"lsc4 ws115\">til<span class=\"lsbd ws117\">/<span class=\"_ _5\"></span>b<span class=\"_ _5\"></span>ruk<span class=\"_ _5\"></span> av </span></span></span><span class=\"wscf\">til<span class=\"_ _5\"></span>leggsavsetninger<span class=\"ls0 ws0\">. </span></span></span></span></span>Forsikri<span class=\"_ _1\"></span>ngsforpliktelser<span class=\"ls0 ws0\"> </span>Forsikrings<span class=\"_ _5\"></span>forpliktelsene for den generelle m\u00e5l<span class=\"_ _5\"></span>emodellen (General Measurement Model, GMM) og \u00abvariable fee\u00bb<span class=\"ls0 ws0\">-</span><span class=\"wsd2\">t<span class=\"_ _5\"></span>iln\u00e6rmingen (Variabl<span class=\"_ _5\"></span>e Fee </span>Approach, VFA) estimeres bas<span class=\"_ _5\"></span>ert p\u00e5 kontantstr\u00f8mmen for oppfyllelse av forpliktelsen, med til<span class=\"_ _5\"></span>legg av kontraktsregulert tje<span class=\"wscf\">nestem<span class=\"_ _5\"></span>arginen </span>(Contractual<span class=\"_ _5\"></span> Service Margi<span class=\"_ _5\"></span>n, CSM). <span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser f<span class=\"_ _5\"></span>orsikringsforpliktels<span class=\"_ _5\"></span>ene for hver m\u00e5lemetode.<span class=\"ls0 ws0\"> </span><table class=\"s w3ca h51e\" id=\"_bdf21aac-ac6f-423b-8f09-ccd0edea29d9\"><tr><td class=\"c x3fc y4448 w1fa hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4448 wdd hd7\"><div class=\"t m2 x267 hcc y28c1 ff2ce fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24 <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4449 w1fa hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Variabl<span class=\"_ _5\"></span>e fee<span class=\"ls0 ws0\">-</span><span class=\"wsd0\">til<span class=\"_ _5\"></span>n\u00e6rm<span class=\"_ _5\"></span>ing (VFA<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x52b y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">177<span class=\"ls0 ws0\"> </span>940<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4449 wdd hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>860<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y444a w1fa hde\"><div class=\"t m2 x19f hcc y20f0 ff2ce fs53 fc21 sc0 lsab wscd\">Generel<span class=\"_ _5\"></span>l m\u00e5lem<span class=\"_ _5\"></span>odell <span class=\"_ _5\"></span>(GMM<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">458</span> </div></td><td class=\"c x52c y444a wdd hde\"><div class=\"t m2 x209 hcc y20f0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">462</span> </div></td></tr><tr><td class=\"c x3fc y444b w1fa hda\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscd\">Premiefo<span class=\"_ _5\"></span>rdelin<span class=\"_ _5\"></span>gsmeto<span class=\"_ _5\"></span>den (PA<span class=\"_ _5\"></span>A) <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">838</span> </div></td><td class=\"c x52c y444b wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">555</span> </div></td></tr><tr><td class=\"c x3fc y444c w1fa hd9\"><div class=\"t m2 x19f hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscd\">Totale f<span class=\"_ _5\"></span>orsikr<span class=\"_ _5\"></span>ingsf<span class=\"_ _5\"></span>orplikt<span class=\"_ _5\"></span>elser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>236<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y444c wdd hd9\"><div class=\"t m2 x1bc hdc y1db0 ff2cf fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span>877<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Tabellen nedenfor viser bev<span class=\"_ _5\"></span>egelsene i forsikringsforpliktels<span class=\"_ _5\"></span>ene analysert ved bruk av m\u00e5lekomponenter, og inkluderer kontrakt<span class=\"_ _5\"></span>er m\u00e5lt i henhold til GMM og VFA. <span class=\"ls0 ws0\"> </span><table class=\"s w3cb h51f\" id=\"_8299e098-3474-4e90-9f4b-4f67537a4f60\"><tr><td></td><td></td><td class=\"c x52d y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y444e w1fc hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y444d w1fe h13b\"><div class=\"t m2 x44 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">N\u00e5verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y444e w1fd hd7\"><div class=\"t m2 x81 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x52e y444f w1fe hd7\"><div class=\"t m2 xb3 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">av fram<span class=\"_ _5\"></span>tidige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"c x52d y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4450 w1ff hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x52e y4450 w1fe hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">kontant<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4450 w200 hd7\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">Risiko<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4451 w1fb hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2d0 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52d y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4451 w1ff hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4451 w1fe hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4451 w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2ce fs53 fc21 sc0 lsd0 ws128\">str<span class=\"_ _1\"></span>\u00f8mmer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4451 w200 hd7\"><div class=\"t m2 x267 hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">justering<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4451 w1fe hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsa7 wsc9\">CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4451 w1ff hd7\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4453 w1fb h285\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 1. jan<span class=\"_ _5\"></span>uar<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4453 w1ff h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x531 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4453 w1fe h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span>593<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4453 w200 h285\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">999</span> </div></td><td class=\"c x533 y4453 w1fe h285\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>510<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y4453 w1ff h285\"><div class=\"t m2 x1bc hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">192<span class=\"ls0 ws0\"> </span>102<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y305e ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r n\u00e5v\u00e6<span class=\"_ _5\"></span>rende <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4454 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscb\">tjenest<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4454 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4454 w1ff h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(196)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">256</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x532 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">436</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y4454 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(14)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4454 w200 h127\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(212)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4454 w1fe h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">093</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x534 y4454 w1ff h127\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">319</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3060 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4455 w1fb h129\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">l\u00f8nnsom<span class=\"_ _5\"></span>me</span><span class=\"lsab wscb\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x52d y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(310)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4455 w1ff h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">31<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">279<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4455 w1fe h129\"><div class=\"t m2 x1a5 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">(241)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4455 w200 h129\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4455 w1fe h129\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">220<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3062 ff2ce fs53 fc21 sc0 lsab wscd\">Nye kont<span class=\"_ _5\"></span>rakter<span class=\"_ _5\"></span> i perio<span class=\"_ _5\"></span>den<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4456 w1fb h127\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\"> \u2013 <span class=\"lsab wscb\">tapsbri<span class=\"_ _5\"></span>ngend<span class=\"_ _5\"></span>e</span> </div></td><td class=\"c x52d y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">71<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4456 w1ff h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">16<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4456 w1fe h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">87<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4456 w1fe h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">155<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4456 w200 h127\"><div class=\"t m2 x2d7 hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">24<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x534 y4456 w1ff h127\"><div class=\"t m2 x19e hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">179<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3063 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4457 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> juster<span class=\"_ _5\"></span>er CS<span class=\"_ _5\"></span>M</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4457 w1fe h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(656)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4457 w1ff h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x531 y4457 w1fe h128\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">615<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x52e y4457 w1fe h128\"><div class=\"t m2 x329 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">881</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x530 y4457 w200 h128\"><div class=\"t m2 x1a5 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">(262)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x533 y4457 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">143</span> </div></td><td></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3065 ff2ce fs53 fc21 sc0 lsab wscd\">Endring<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> gjelde<span class=\"_ _5\"></span>r fram<span class=\"_ _5\"></span>tidige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4458 w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">tjenest<span class=\"_ _5\"></span>er som<span class=\"_ _5\"></span> ikke j<span class=\"_ _5\"></span>uster<span class=\"_ _5\"></span>er CSM<span class=\"_ _5\"></span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">33<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y4458 w1ff h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(45)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x532 y4458 w1fe h127\"><div class=\"t m2 x1b9 hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(11)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4458 w1fe h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y4458 w200 h127\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">6 </div></td><td></td><td class=\"c x534 y4458 w1ff h127\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">42<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3067 ff2ce fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y4459 w1fb h128\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsa7\"></span><span class=\"lsa7\">eller </span><span class=\"ws0\">-<span class=\"lsab wscb\">kostna<span class=\"_ _5\"></span>der</span></span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">997</span> </div></td><td></td><td class=\"c x531 y4459 w1fe h128\"><div class=\"t m2 x2d7 hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y4459 w1fe h128\"><div class=\"t m2 x19b hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>008<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y4459 w1fe h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">376</span> </div></td><td></td><td class=\"c x533 y4459 w1fe h128\"><div class=\"t m2 x204 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">8 </div></td><td class=\"c x534 y4459 w1ff h128\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">384</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y2a88 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445a w1fb h127\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wsd0\">motta<span class=\"_ _5\"></span>tte premi<span class=\"_ _5\"></span>er</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td></td><td></td><td class=\"c x532 y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">463</span> </div></td><td class=\"c x52e y445a w1fe h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td><td></td><td></td><td class=\"c x534 y445a w1ff h127\"><div class=\"t m2 x209 hcc y1db0 ff2ce fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">120</span> </div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y3069 ff2ce fs53 fc21 sc0 lsab wscd\">Kontantst<span class=\"_ _5\"></span>r\u00f8m<span class=\"_ _5\"></span>mer fra k<span class=\"_ _5\"></span>rav og<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x536 y445b w3cc h4ad\"><div class=\"t m2 x3f4 hcc y3e5d ff2ce fs53 fc21 sc0 lsab wscd\">andre ko<span class=\"_ _5\"></span>stnad<span class=\"_ _5\"></span>er bet<span class=\"_ _5\"></span>alt</div><div class=\"t m2 x535 h121 y3e5e ff2ce fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x52d y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x532 y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">034</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x52e y445c w1fe h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td></td><td class=\"c x534 y445c w1ff h129\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">187</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td></td><td class=\"c x443 y4452 w111 h1e4\"><div class=\"t m2 x1e3 hcc y306c ff2ce fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsfor<span class=\"_ _5\"></span>plikt<span class=\"_ _5\"></span>elser VFA<span class=\"_ _5\"></span> og <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x4ea y445d w1fb h286\"><div class=\"t m2 x19f hcc y1da9 ff2ce fs53 fc21 sc0 ls0 wsc9\">  <span class=\"lsab wscd\">GMM pe<span class=\"_ _5\"></span>r 31. d<span class=\"_ _5\"></span>esem<span class=\"_ _5\"></span>ber</span><span class=\"ws0\"> </span></div></td><td class=\"c x52d y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>538<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52f y445d w1ff h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">423</span> </div></td><td class=\"c x531 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x532 y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">185<span class=\"ls0 ws0\"> </span>398<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52e y445d w1fe h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>957<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x530 y445d w200 h286\"><div class=\"t m2 x209 hcc y1da9 ff2ce fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">577</span> </div></td><td class=\"c x533 y445d w1fe h286\"><div class=\"t m2 x19b hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x534 y445d w1ff h286\"><div class=\"t m2 x1bc hcc y1da9 ff2ce fs53 fc21 sc0 lsab wscb\">186<span class=\"ls0 ws0\"> </span>321<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4460 w3cd h520\"><div class=\"t m2 x3f4 h183 y445e ff2d0 fs55 fc21 sc0 ls0 ws0\">1</div><div class=\"t m2 x3f4 hcf y437f ff2ce fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4380 ff2ce fs55 fc21 sc0 lsaf wsf6\">Estimatet for n\u00e5verdien av f<span class=\"_ _5\"></span>ramtidige inng\u00e5ende kontantstr\u00f8mmer f<span class=\"_ _5\"></span>or tapsbringende kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc5 ws130\">var </span></span><span class=\"wscf\">239<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">321<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner<span class=\"_ _1\"></span> i </span></span></div><div class=\"t m2 x3f4 hcf y445f ff2ce fs55 fc21 sc0 lsaf wscf\">202<span class=\"ls0 ws0\">4</span><span class=\"wsf6\">), mens det for krav og andre kostnader for forsikringst<span class=\"_ _5\"></span>jenester var </span>309<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner kroner (</span>476<span class=\"ls0 ws0\"> </span><span class=\"lsb9\">millioner i 20<span class=\"_ _1\"></span>2<span class=\"ls0 ws0\">4<span class=\"lsaf wsd2\">). Estimat<span class=\"_ _5\"></span>et for n\u00e5verdien av<span class=\"_ _5\"></span> </span></span></span></div><div class=\"t m2 x3f4 hcf y3fb5 ff2ce fs55 fc21 sc0 lsaf wsf6\">framti<span class=\"_ _5\"></span>dige inng\u00e5ende kontantstr\u00f8mmer for l\u00f8nnsomme kontrakter i 202<span class=\"ls0 ws0\">5 <span class=\"lsc1 wsce\">var </span></span><span class=\"wscf\">929<span class=\"ls0 ws0\"> </span></span>mi<span class=\"_ _5\"></span>llioner kroner (<span class=\"wscf\">64</span>7 millioner i 202<span class=\"ls0 ws0\">4</span>), mens det for krav og </div><div class=\"t m2 x3f4 hcf y3fb6 ff2ce fs55 fc21 sc0 lsaf wsd2\">andre kost<span class=\"_ _5\"></span>nader for fors<span class=\"_ _5\"></span>ikringstjenester v<span class=\"_ _5\"></span>ar <span class=\"wscf\">619<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">mil<span class=\"_ _5\"></span>lioner kroner (4</span>06<span class=\"ls0 ws0\"> </span><span class=\"wsf6\">millioner i 202<span class=\"ls0 ws0\">4<span class=\"lsc4 ws118\">).    </span> </span></span></span></div></td><td class=\"c x537 y4462 w3ce h4b2\"><div class=\"t m2 x3f4 h183 y4461 ff2d0 fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Hvor<span class=\"_ _5\"></span>av 12 <span class=\"_ _5\"></span><span class=\"wscb\">21</span>6 m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kroner<span class=\"_ _5\"></span> er inv<span class=\"_ _5\"></span>esteri<span class=\"_ _5\"></span>ngsk<span class=\"_ _5\"></span>ompone<span class=\"_ _5\"></span>nt (</span><span class=\"lsab wscd\">1</span>2 10<span class=\"_ _5\"></span>6 <span class=\"lsa7 wsd1\">millioner i 202</span>4). </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table><table class=\"s w3cf h521\" id=\"_0bfce16d-8d53-4e1c-8573-47d905f3a7f2\"><tr><td class=\"c x539 y4466 w3d0 h522\"><div class=\"t m2 x538 hd8 y3e62 ff2d0 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent</div><div class=\"t m2 x3f4 he2 y4463 ff2ce fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x3f4 hcf y4464 ff2ce fs55 fc21 sc0 lsaf wsf6\">3,7 prosent per 31.desember 202<span class=\"ls0 ws0\">4. </span></div><div class=\"t m2 x3f4 hcf y4465 ff2ce fs55 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x53a y412c wde hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">1 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412c wdf hd7\"><div class=\"t m2 x19e hcc y1db0 ff2ce fs53 fc21 sc0 lsb2 wsf2\">5 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412c wde hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">10 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412c wdd hd7\"><div class=\"t m2 x20f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wsd0\">15 \u00e5r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x539 y4469 w3d1 h523\"><div class=\"t m2 x53d hcc y3e5d ff2ce fs53 fc21 sc0 lsab wsd0\">20 \u00e5r<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x3f4 hcf y4467 ff2ce fs55 fc21 sc0 lsaf wsf6\">Tabellene nedenfor angir rent<span class=\"_ _5\"></span>ekurvene som brukes til \u00e5 diskontere kontantstr\u00f8mmene til forsikri<span class=\"_ _5\"></span>ngskontrakter. Terminrenten ko<span class=\"wsd2\">nv<span class=\"_ _5\"></span>ergerer mot </span></div><div class=\"t m2 x3f4 hcf y4468 ff2ce fs55 fc21 sc0 lsaf wsf6\">den ultimate terminrent<span class=\"_ _5\"></span>en (Ultimate Forward Rate, UFR) fra siste likvide punkt p\u00e5 10 \u00e5r til <span class=\"ls0 ws0\">4</span>0 \u00e5r. UFR var <span class=\"wscf\">3,7<span class=\"ls0 ws0\"> </span></span>prosent per 31.<span class=\"ls0 ws0\"> </span>desember 202<span class=\"ls0 ws0\">5 </span><span class=\"wscf\">og </span></div></td></tr><tr><td class=\"c x3fc y446a we1 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y446a wdf hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446a wde hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446a wdd hd9\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y412d we1 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscd\">Renteku<span class=\"_ _5\"></span>rve 20<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,7<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53b y412d wdf hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,4<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y412d wde hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,3<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y412d wdd hda\"><div class=\"t m2 x20e hcc y1db0 ff2ce fs53 fc21 sc0 lsab wscb\">4,2<span class=\"ls0 ws0\"> </span></div></td></tr></table>Endringene som gjelder framtidi<span class=\"_ _5\"></span>ge tjenester som justerer CSM, var i 2025<span class=\"ls0 ws0\"> </span>og 2024 hovedsakelig drevet av renteendringene i perioden. H\u00f8y<span class=\"_ _5\"></span>ere renter reduserer den estim<span class=\"_ _5\"></span>erte n\u00e5verdien av framtidige kontantstr\u00f8mmer og \u00f8ker CSM under VFA, som er den dominerende m\u00e5lemeto<span class=\"wsd2\">den.   <span class=\"ls0 ws0\"> </span></span>Ved utgangen av 202<span class=\"ls0 ws0\">5 </span>besto CSM av 13 <span class=\"wscf\">325<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakter hvor det ble benyttet virkel<span class=\"_ _5\"></span>ig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen p\u00e5 overgangs<span class=\"_ _5\"></span><span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tidspunkt<span class=\"_ _5\"></span>et (1<span class=\"ls0 ws0\">3 </span><span class=\"wscf\">748<span class=\"ls0 ws0\"> </span></span>millioner per utgangen av 202<span class=\"ls0 ws0\">4</span>) og <span class=\"wscf\">111 <span class=\"wsd2\">millioner for <span class=\"_ _5\"></span>\u00f8vrige kontrakter <span class=\"_ _5\"></span>(</span>40<span class=\"ls0 ws0\"> </span></span>milli<span class=\"_ _5\"></span>oner per utgangen av 202<span class=\"ls0 ws0\">4<span class=\"lsc1 ws120\">). For kon<span class=\"_ _5\"></span>trakter </span> </span>hvor virkeli<span class=\"_ _5\"></span>g verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rmingen ble benyttet p\u00e5 overgangsti<span class=\"_ _5\"></span>dspunktet, var endringen i n\u00e5v\u00e6rende tjeneste for CSM 1 086<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">milli<span class=\"_ _5\"></span>oner kroner <span class=\"ls0 ws0\"> </span></span>(<span class=\"lsaf wscf\">927</span> <span class=\"lsb9 wsff\">milli<span class=\"lsaf wsf6\">oner i 202</span></span>4<span class=\"lsaf wsf6\">), og endringen i framtidig tjeneste for CSM var <span class=\"wscf\">663</span></span> <span class=\"lsb9 wsff\">millioner<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> <span class=\"lsaf wscf\">kroner</span> <span class=\"lsaf wscf\">(negativ</span> <span class=\"lsaf wscf\">med <span class=\"wsf6\">4 172</span></span> <span class=\"lsaf wsf6\">m<span class=\"_ _5\"></span>illioner i 202</span>4<span class=\"lsc1 wsce\">). </span> </span></span>F\u00f8lgende tabel<span class=\"_ _5\"></span>l viser n\u00e5r gjenv\u00e6rende CSM forventes resultatf\u00f8rt: <span class=\"ls0 ws0\"> </span><table class=\"s w3d2 h524\" id=\"_12afac32-c682-4bc0-9d1f-a2da342f2e9c\"><tr><td></td><td class=\"c x53e y446b wde hd7\"><div class=\"t m2 x267 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">1 \u00e5r ell<span class=\"_ _5\"></span>er <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x53f y446b wdd hd7\"><div class=\"t m2 x1bc hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Mer enn<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3fc y3fd0 w15c hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">under<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53a y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">2-<span class=\"lsab wscd\">3 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x540 y3fd0 wdd hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">4-<span class=\"lsab wscd\">5 \u00e5r</span><span class=\"lsab wscd\"> <span class=\"_ _5\"></span></span> </div></td><td class=\"c x53c y3fd0 wdc hd7\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6-<span class=\"lsa9 ws87\">10 \u00e5r</span><span class=\"lsa9 ws87\"><span class=\"_ _1\"></span> <span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x53f y3fd0 wdd hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wsd0\">10 \u00e5r</span> </div></td><td class=\"c x541 y3fd0 wde hd7\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y3fd1 w15c hd9\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Frigivels<span class=\"_ _5\"></span>e av<span class=\"_ _5\"></span> CSM<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53e y3fd1 wde hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">080</span> </div></td><td class=\"c x53a y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">956</span> </div></td><td class=\"c x540 y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">725</span> </div></td><td class=\"c x53c y3fd1 wdc hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">360</span> </div></td><td class=\"c x53f y3fd1 wdd hd9\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">315</span> </div></td><td class=\"c x541 y3fd1 wde hd9\"><div class=\"t m2 x19b hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>436<span class=\"ls0 ws0\"> </span></div></td></tr></table>Gjennomsnitt<span class=\"_ _5\"></span>lig durasjon p\u00e5 kontraktene var 1<span class=\"ls0 ws0\">0,</span><span class=\"wscf\">78<span class=\"ls0 ws0\"> </span></span>\u00e5r ved utgangen av desember 202<span class=\"ls0 ws0\">5<span class=\"lsc4 ws115\">. </span> </span>Tabellen nedenfor angi<span class=\"_ _5\"></span>r sammensetningen av bokf\u00f8rt verdi av eiendelene i konsernet som holdes i forbindelse med VFA og andre forsikringsk<span class=\"_ _5\"></span>ontrakter, og som i hovedsak m\u00e5les til virkelig verdi. <span class=\"ls0 ws0\"> </span><table class=\"s w3d3 h525\" id=\"_5938fac2-f85e-4325-a9bd-f3a688463f84\"><tr><td></td><td></td><td class=\"c x4a3 y446c w1bb hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446d w1fe h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x53c y446c w20f hd7\"><div class=\"t m2 x246 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">31. des<span class=\"_ _5\"></span>ember 2<span class=\"_ _5\"></span>024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446d w210 h144\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446e w20d hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446e w200 hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446e w210 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y446e w1fe hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446e w1fe hd7\"><div class=\"t m2 x247 hcc y1db0 ff2d9 fs53 fc21 sc0 lsa8 ws99\">VFA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446e w1fe hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y446e w210 hd7\"><div class=\"t m2 x1e5 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">portef<span class=\"_ _5\"></span>\u00f8lje<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y446f w20d hdd\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Sertifik<span class=\"_ _5\"></span>ater o<span class=\"_ _5\"></span>g oblig<span class=\"_ _5\"></span>asjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y446f w200 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">134<span class=\"ls0 ws0\"> </span>414<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y446f w210 hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">288</span> </div></td><td class=\"c x542 y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">141<span class=\"ls0 ws0\"> </span>703<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y446f w1fe hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">132<span class=\"ls0 ws0\"> </span>378<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y446f w1fe hdd\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">571</span> </div></td><td class=\"c x52c y446f w210 hdd\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscb\">138<span class=\"ls0 ws0\"> </span>949<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4470 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x4a3 y4470 w200 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>182<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4470 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">878</span> </div></td><td class=\"c x542 y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">22<span class=\"ls0 ws0\"> </span>060<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4470 w1fe hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">17<span class=\"ls0 ws0\"> </span>898<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4470 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">674</span> </div></td><td class=\"c x52c y4470 w210 hdb\"><div class=\"t m2 x19b hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">20<span class=\"ls0 ws0\"> </span>572<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4471 w20d hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4471 w200 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">162</span> </div></td><td class=\"c x543 y4471 w210 hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">363<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">525</span> </div></td><td class=\"c x53c y4471 w1fe hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">398</span> </div></td><td class=\"c x52b y4471 w1fe hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4471 w210 hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">660</span> </div></td></tr><tr><td class=\"c x3fc y4472 w211 hda\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Varige d<span class=\"_ _5\"></span>riftsmi<span class=\"_ _5\"></span>dler <span class=\"_ _5\"></span>(eierben<span class=\"_ _5\"></span>ytte<span class=\"_ _5\"></span>t eien<span class=\"_ _5\"></span>dom)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4472 w200 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">783</span> </div></td><td class=\"c x543 y4472 w210 hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">408<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">191</span> </div></td><td class=\"c x53c y4472 w1fe hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">671</span> </div></td><td class=\"c x52b y4472 w1fe hda\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">201<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4472 w210 hda\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">872</span> </div></td></tr><tr><td class=\"c x3fc y4473 w211 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2d9 fs53 fc21 sc0 lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l kund<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4473 w200 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td></td><td class=\"c x542 y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">3 <span class=\"lsab wscb\">698</span> </div></td><td class=\"c x53c y4473 w1fe hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td><td></td><td class=\"c x52c y4473 w210 hde\"><div class=\"t m2 x209 hcc y1dc1 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">317</span> </div></td></tr><tr><td class=\"c x3fc y4474 w20d hdb\"><div class=\"t m2 x19f hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">Annet<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4474 w200 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">089</span> </div></td><td class=\"c x543 y4474 w210 hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">189<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">278</span> </div></td><td class=\"c x53c y4474 w1fe hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">679</span> </div></td><td class=\"c x52b y4474 w1fe hdb\"><div class=\"t m2 x19e hcc y1dae ff2d9 fs53 fc21 sc0 lsab wscb\">208<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52c y4474 w210 hdb\"><div class=\"t m2 x209 hcc y1dae ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">887</span> </div></td></tr><tr><td class=\"c x3fc y4475 w20d hd9\"><div class=\"t m2 x19f hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscd\">Sum ei<span class=\"_ _5\"></span>endeler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4475 w200 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">169<span class=\"ls0 ws0\"> </span>329<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x543 y4475 w210 hd9\"><div class=\"t m2 x19b hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">11<span class=\"ls0 ws0\"> </span>126<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x542 y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>455<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x53c y4475 w1fe hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">170<span class=\"ls0 ws0\"> </span>341<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x52b y4475 w1fe hd9\"><div class=\"t m2 x209 hdc y1dae ff2d8 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">916</span> </div></td><td class=\"c x52c y4475 w210 hd9\"><div class=\"t m2 x1bc hdc y1dae ff2d8 fs53 fc21 sc0 lsab wscb\">180<span class=\"ls0 ws0\"> </span>257<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table>Netto forsi<span class=\"_ _1\"></span>kringsresultat<span class=\"ls0 ws0\"> </span>Tabellen nedenfor angi<span class=\"_ _5\"></span>r de viktigste postene under Netto forsikringsresultatet<span class=\"_ _5\"></span>.<span class=\"ls0 ws0\"> </span><table class=\"s w3d4 h526\" id=\"_e8d2bf56-1c43-4a03-b14f-03660dd0ac75\"><tr><td class=\"c x3fc y4476 w212 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2da fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4476 wdd hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4476 wde hd7\"><div class=\"t m2 x20f hcc y28c1 ff2d9 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4477 w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4477 wdd hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">731</span> </div></td><td class=\"c x544 y4477 wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">286</span> </div></td></tr><tr><td class=\"c x3fc y4478 w212 hda\"><div class=\"t m2 x163 hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kontrakts<span class=\"_ _5\"></span>regul<span class=\"_ _5\"></span>ert tj<span class=\"_ _5\"></span>enestem<span class=\"_ _5\"></span>argin f<span class=\"_ _5\"></span>or utf<span class=\"_ _5\"></span>\u00f8rt tje<span class=\"_ _5\"></span>neste<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4478 wdd hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">256</span> </div></td><td class=\"c x544 y4478 wde hda\"><div class=\"t m2 x209 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">093</span> </div></td></tr><tr><td class=\"c x3fc y4479 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Risikojus<span class=\"_ _5\"></span>teri<span class=\"_ _5\"></span>ng for utl<span class=\"_ _5\"></span>\u00f8pt ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4479 wdd hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">190<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4479 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">207<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447a w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Forvente<span class=\"_ _5\"></span>de kra<span class=\"_ _5\"></span>v og a<span class=\"_ _5\"></span>ndre k<span class=\"_ _5\"></span>ostna<span class=\"_ _5\"></span>der<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447a wdd hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">090</span> </div></td><td class=\"c x544 y447a wde hdb\"><div class=\"t m2 x209 hcc y1db0 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">039</span> </div></td></tr><tr><td class=\"c x3fc y447b w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Forsikri<span class=\"_ _5\"></span>ngsinnt<span class=\"_ _5\"></span>ekter f<span class=\"_ _5\"></span>ra ko<span class=\"_ _5\"></span>ntrakte<span class=\"_ _5\"></span>r m\u00e5lt<span class=\"_ _5\"></span> i he<span class=\"_ _5\"></span>nhold ti<span class=\"_ _5\"></span>l PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447b wdd hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">194</span> </div></td><td class=\"c x544 y447b wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">947</span> </div></td></tr><tr><td class=\"c x3fc y447c w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Kostnad<span class=\"_ _5\"></span>er for <span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngstj<span class=\"_ _5\"></span>enest<span class=\"_ _5\"></span>er, inkl. <span class=\"_ _5\"></span>drifts<span class=\"_ _5\"></span>kostna<span class=\"_ _5\"></span>der <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447c wdd hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">056</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y447c wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">192</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y447d w212 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Netto inn<span class=\"_ _5\"></span>tekter<span class=\"_ _5\"></span>/kost<span class=\"_ _5\"></span>nader f<span class=\"_ _5\"></span>ra gje<span class=\"_ _5\"></span>nforsikr<span class=\"_ _5\"></span>ingsk<span class=\"_ _5\"></span>ontrak<span class=\"_ _5\"></span>ter gje<span class=\"_ _5\"></span>nnom pe<span class=\"_ _5\"></span>riode<span class=\"_ _5\"></span>n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447d wdd hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(95)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447d wde hdb\"><div class=\"t m2 x2d7 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">97<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y447e w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Result<span class=\"_ _5\"></span>at fra forsikr<span class=\"_ _5\"></span>ingstj<span class=\"_ _5\"></span>enes<span class=\"_ _5\"></span>ter<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447e wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">580</span> </div></td><td class=\"c x544 y447e wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">191</span> </div></td></tr><tr><td class=\"c x3fc y447f w212 hd9\"><div class=\"t m2 x19f hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Investe<span class=\"_ _5\"></span>ringsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er fra u<span class=\"_ _5\"></span>nderlig<span class=\"_ _5\"></span>gend<span class=\"_ _5\"></span>e eie<span class=\"_ _5\"></span>ndeler <span class=\"_ _5\"></span>eller g<span class=\"_ _5\"></span>ruppe av<span class=\"_ _5\"></span> eie<span class=\"_ _5\"></span>ndele<span class=\"_ _5\"></span>r, m\u00e5l<span class=\"_ _5\"></span>t til vi<span class=\"_ _5\"></span>rkelig v<span class=\"_ _5\"></span>erdi <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y447f wdd hd9\"><div class=\"t m2 x19b hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>265<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y447f wde hd9\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">686</span> </div></td></tr><tr><td class=\"c x3fc y4480 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wscd\">Finansi<span class=\"_ _5\"></span>elle f<span class=\"_ _5\"></span>orsikrin<span class=\"_ _5\"></span>gsinnte<span class=\"_ _5\"></span>kter el<span class=\"_ _5\"></span>ler <span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">kostnad<span class=\"_ _1\"></span>er</span></span><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\"><span class=\"ls0 ws0\"> </span></span></span></div></td><td class=\"c x47f y4480 wdd hda\"><div class=\"t m2 x1bc hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(10<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">140</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4480 wde hda\"><div class=\"t m2 x329 hcc y1da9 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">457</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4481 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Renter <span class=\"_ _5\"></span>p\u00e5l\u00f8pt<span class=\"_ _5\"></span> p\u00e5 forsi<span class=\"_ _5\"></span>kring<span class=\"_ _5\"></span>savtale<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4481 wdd hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">554</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4481 wde hdb\"><div class=\"t m2 x329 hcc y1db0 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">990</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4482 w212 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved G<span class=\"_ _5\"></span>MM ell<span class=\"_ _5\"></span>er PAA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4482 wdd hdb\"><div class=\"t m2 x20f hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">(209)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4482 wde hdb\"><div class=\"t m2 x19e hcc y1db0 ff2d9 fs53 fc21 sc0 lsab wscb\">195<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4483 w212 hde\"><div class=\"t m2 x163 hcc y2401 ff2d9 fs53 fc21 sc0 lsab wscd\">Endring i<span class=\"_ _5\"></span> fin<span class=\"_ _5\"></span>ansiell<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etni<span class=\"_ _5\"></span>nger for k<span class=\"_ _5\"></span>ontrakt<span class=\"_ _5\"></span>er m\u00e5l<span class=\"_ _5\"></span>t ved V<span class=\"_ _5\"></span>FA <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4483 wdd hde\"><div class=\"t m2 x329 hcc y2401 ff2d9 fs53 fc21 sc0 lsb2 wsf1\">(2<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">377</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x544 y4483 wde hde\"><div class=\"t m2 x209 hcc y2401 ff2d9 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">338</span> </div></td></tr><tr><td class=\"c x3fc y4484 w212 hda\"><div class=\"t m2 x19f hcc y1da9 ff2d9 fs53 fc21 sc0 lsab wsd0\">Finansi<span class=\"_ _5\"></span>elle gjen<span class=\"_ _5\"></span>forsikri<span class=\"_ _5\"></span>ngsi<span class=\"_ _5\"></span>nntekt<span class=\"_ _5\"></span>er eller <span class=\"ls0 ws0\">-</span><span class=\"wscb\">kostn<span class=\"_ _5\"></span>ader</span><span class=\"wscb\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x544 y4484 wde hda\"><div class=\"t m2 x246 hcc y1da9 ff2d9 fs53 fc21 sc0 ls0 ws0\">1 </div></td></tr><tr><td class=\"c x3fc y4485 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscd\">Finansr<span class=\"_ _5\"></span>esulta<span class=\"_ _5\"></span>t, livs<span class=\"_ _5\"></span>forsikr<span class=\"_ _5\"></span>ing<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4485 wdd hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">125<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x544 y4485 wde hd9\"><div class=\"t m2 x19e hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wscb\">230<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4486 w212 hd9\"><div class=\"t m2 x19f hdc y1db0 ff2d8 fs53 fc21 sc0 lsab wsd0\">Netto fors<span class=\"_ _5\"></span>ikring<span class=\"_ _5\"></span>sresul<span class=\"_ _5\"></span>tat<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47f y4486 wdd hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">705</span> </div></td><td class=\"c x544 y4486 wde hd9\"><div class=\"t m2 x209 hdc y1db0 ff2d8 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">421</span> </div></td></tr></table>Forsikrings<span class=\"_ _5\"></span>inntektene i 202<span class=\"ls0 ws0\">5 </span>besto av 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">148<span class=\"ls0 ws0\"> </span></span>millioner kroner for kontrakt<span class=\"_ _5\"></span>er hvor det ble benyttet virkelig verdi<span class=\"ls0 ws0\">-</span>tiln\u00e6rming p\u00e5 overgangs<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span>tidspunkt<span class=\"_ _5\"></span>et og 2<span class=\"ls0 ws0\"> </span><span class=\"wscf\">583<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">millioner for \u00f8vri<span class=\"_ _5\"></span>ge kontrakter.</span></span><span class=\"wscf\"><span class=\"wsd2\"><span class=\"ls0 ws0\"> </span></span></span>S<span class=\"lsc0 ws109\">ensitivit<span class=\"_ _5\"></span>eter</span> Hver sensitivit<span class=\"_ _5\"></span>et er basert p\u00e5 en endring i den a<span class=\"_ _1\"></span>kt<span class=\"_ _5\"></span>uelle parameter eller forutsetning mens alle andre forutsetninger holdes k<span class=\"_ _5\"></span>onstant. I praksis er det lite sannsynli<span class=\"_ _5\"></span>g at dette vil skje, og endringer i forutsetninger forventes \u00e5 v\u00e6re korrelert.<span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Aksjer: Vi<span class=\"_ _5\"></span>rkelig verdi av aksjer reduseres med 25 prosent. <span class=\"wsd2\">Se under Inv<span class=\"_ _5\"></span>esteringseiendommer.</span></span> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Investeri<span class=\"_ _5\"></span>ngseiendommer: Virkeli<span class=\"_ _5\"></span>g <span class=\"_ _1\"></span>verdi av al<span class=\"_ _5\"></span>le investeringseiendommer reduseres med 10 prosent.<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Inkluderer effekt p\u00e5 investerings<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></span>eiendommer presentert<span class=\"_ _5\"></span> som aksjer i balansen, hvor underliggende eiendeler er investeri<span class=\"_ _5\"></span>ngseiendommer. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Rente: Rentekurv<span class=\"_ _5\"></span>en har en parallell opp</span>- <span class=\"lsaf wsf6\">eller nedjustering p\u00e5 50 basispunkter de f\u00f8rste <span class=\"lsbc ws103\">ti</span></span> <span class=\"lsaf wsf6\">\u00e5rene, som representerer den likvide delen av </span></span>kurven. Etter <span class=\"lsbc ws103\">ti<span class=\"ls0 ws0\"> </span></span>\u00e5r er kurven ekstrapolert mot den ultimate terminrenten (UFR). I<span class=\"_ _5\"></span>nkluderer ogs\u00e5 effekt p\u00e5 renteinstrument<span class=\"_ _5\"></span>er. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Margin: Kredit<span class=\"_ _5\"></span>tspreadene \u00f8kes med 50 basispunkter. Diskonteri<span class=\"_ _5\"></span>ngskurvens likviditets<span class=\"_ _5\"></span>premie \u00f8kes med 15 basispunkter.</span> <span class=\"lsaf wsf6\">Ink<span class=\"_ _5\"></span>luderer ogs\u00e5 </span></span>effekt p\u00e5 renteinst<span class=\"_ _5\"></span>rumenter. <span class=\"ls0 ws0\">  </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wscf\">D\u00f8delighet <span class=\"_ _5\"></span></span>-<span class=\"lsaf wsf6\">10 prosent: Niv\u00e5et p\u00e5 det beste estimatet for d\u00f8delighet reduseres med 10 prosent, noe som reduserer d\u00f8deli<span class=\"_ _5\"></span>ghetsintensiteten </span></span>for alle \u00e5rene i prognosen. Trenden holdes uendret. <span class=\"ls0 ws0\"> </span><span class=\"ff2db\"> <span class=\"_ _1b4\"> </span><span class=\"lsaf wsf6\">Uf\u00f8rhet +10 prosent og reaktiveri<span class=\"_ _5\"></span>ng </span>-<span class=\"lsaf wsf6\">10 prosent: Beste estimat for uf\u00f8rhet \u00f8kes med 10 prosent for alle \u00e5rene prognosen dekker, mens </span></span>reaktiveringen redus<span class=\"_ _5\"></span>eres med 10 prosent.<span class=\"ls0 ws0\"> </span>Tabellene nedenfor gir i<span class=\"_ _5\"></span>nformasjon om hvordan endringer som er rimelig mulig i forutsetninger om finansiel<span class=\"_ _5\"></span>l risiko og variabl<span class=\"lsc4 ws0\">er<span class=\"_ _5\"></span> knytt<span class=\"_ _5\"></span>et t<span class=\"_ _5\"></span>il </span><span class=\"wscf\">for<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span>sikrings<span class=\"lsbe ws10b\">r<span class=\"_ _5\"></span>isik<span class=\"_ _5\"></span>o<span class=\"ls0 ws0\">, </span></span><span class=\"wsf6\">p\u00e5vi<span class=\"_ _5\"></span>rker CSM og resultatet. Alle endringer er basert p\u00e5 DNBs eiendeler og gjeld <span class=\"wsd2\">knyttet ti<span class=\"_ _5\"></span>l forsikri<span class=\"_ _5\"></span>ngskontrakter </span>per 31. desember </span>2025. Effektene som vises nedenfor inkluderer den est<span class=\"_ _5\"></span>imerte \u00e5rlige frigivelsen av CSM. <span class=\"ls0 ws0\"> </span><table class=\"s w3d5 h527\" id=\"_54e6c5d4-f699-424c-8097-b87b014500f0\"><tr><td></td><td></td><td></td><td class=\"c x4a6 y4487 w6f hd7\"><div class=\"t m2 x210 hcc y1db0 ff2db fs53 fc21 sc0 lsab wsd0\">Effekt p\u00e5 ne<span class=\"_ _5\"></span>tto <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x545 y4488 w6e hd7\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 lsaa wscd\">Effekt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4488 w6f hd7\"><div class=\"t m2 x4f hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">forsik<span class=\"_ _5\"></span>rings<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span></div></td></tr><tr><td class=\"c x3fc y4489 w213 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2de fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4489 w6e hd7\"><div class=\"t m2 x1b9 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Endring<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4489 w6e hd7\"><div class=\"t m2 x247 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">p\u00e5 CSM<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4489 w6f hd7\"><div class=\"t m2 x19e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">resultat<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448a w213 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">Aksjer </div></td><td class=\"c x546 y448a w6e hd9\"><div class=\"t m2 x20c hcc y1dc1 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">25 %</span> </div></td><td class=\"c x545 y448a w6e hd9\"><div class=\"t m2 x19e hcc y1dc1 ff2db fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">158</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y448a w6f hd9\"><div class=\"t m2 x1b8 hcc y1dc1 ff2db fs53 fc21 sc0 lsab wscb\">(188)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448b w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Investe<span class=\"_ _5\"></span>ringsei<span class=\"_ _5\"></span>endom<span class=\"_ _5\"></span>mer<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448b w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448b w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(347)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448b w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448c w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448c w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448c w6e hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">721</span> </div></td><td class=\"c x4a6 y448c w6f hda\"><div class=\"t m2 x1b5 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">106</span> </div></td></tr><tr><td class=\"c x3fc y448d w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Rente<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448d w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscb\">50bp</span> </div></td><td class=\"c x545 y448d w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(950)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448d w6f hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(125)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448e w213 hde\"><div class=\"t m2 x19f hcc y1da9 ff2db fs53 fc21 sc0 lsab wsd0\">Spread risi<span class=\"_ _5\"></span>ko<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448e w6e hde\"><div class=\"t m2 x20e hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">+50bp<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y448e w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2db fs53 fc21 sc0 lsab wscb\">(498)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448e w6f hde\"><div class=\"t m2 x249 hcc y1da9 ff2db fs53 fc21 sc0 lsb2 wsf1\">(19)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y448f w213 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">D\u00f8deligh<span class=\"_ _5\"></span>et<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y448f w6e hdb\"><div class=\"t m2 x20c hcc y1db0 ff2db fs53 fc21 sc0 ls0 ws0\">-<span class=\"lsab wscd\">10 %</span> </div></td><td class=\"c x545 y448f w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(937)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y448f w6f hdb\"><div class=\"t m2 x249 hcc y1db0 ff2db fs53 fc21 sc0 lsb2 wsf1\">(67)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4490 w213 hda\"><div class=\"t m2 x19f hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">Uf\u00f8rhet<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x546 y4490 w6e hda\"><div class=\"t m2 x20e hcc y1db0 ff2db fs53 fc21 sc0 lsab wscd\">+10 %<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x545 y4490 w6e hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(181)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4490 w6f hda\"><div class=\"t m2 x1b8 hcc y1db0 ff2db fs53 fc21 sc0 lsab wscb\">(224)<span class=\"ls0 ws0\"> </span></div></td></tr></table>Solvenskap<span class=\"_ _5\"></span>ital Regulatorisk<span class=\"_ _5\"></span>e kapitalkrav for europeiske forsik<span class=\"_ _5\"></span>ringsselskaper er fastsatt i Solvens II<span class=\"ls0 ws0\">-</span><span class=\"wscf\">direktivet<span class=\"_ _5\"></span>. <span class=\"ls0 ws0\"> </span></span>Solvensk<span class=\"_ _5\"></span>apitalkravet er satt slik at det er 99,5 prosent sannsynlighet for at samlede tap, herunder forsik<span class=\"_ _5\"></span>ringstap og finansielle tap, over en periode p\u00e5 12 m\u00e5neder ikke overstiger det beregnede kapit<span class=\"_ _5\"></span>alkravet. Beregningene tar hensyn til risikoreduserende <span class=\"wsd2\">t<span class=\"_ _5\"></span>iltak og sys<span class=\"_ _5\"></span>temer. </span>Minstekravet er s<span class=\"_ _5\"></span>att slik at det er 8<span class=\"_ _1\"></span>5 prosent sannsy<span class=\"_ _5\"></span>nlighet for at samlede tap over en periode p\u00e5 12 m\u00e5neder ikke overstiger<span class=\"ls0 ws0\"> </span>det beregnede kapitalkrav<span class=\"_ _5\"></span>et. Regelverket \u00e5pner for bruk av overgangsregler ved beregning av solvenskapit<span class=\"_ _5\"></span>al. I desember 2015 fikk DNB Livsforsikring tillatelse av Finanstilsy<span class=\"_ _5\"></span>net til \u00e5 benytte overgangsreglene for forsikringsmessige avset<span class=\"_ _5\"></span>ninger. Dette gir selskapet anledning til \u00e5 anvende bokf\u00f8rt<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span>forsikringsm<span class=\"_ _5\"></span>essige avsetninger i stedet for markedsverdi av forplik<span class=\"_ _5\"></span>telsene. Overgangsregl<span class=\"_ _5\"></span>ene gjelder i 16 \u00e5r, og reduseres line\u00e6rt fra 1. januar 2017. <span class=\"ls0 ws0\"> </span>Per 31. desember 2025 hadde DNB Livsforsik<span class=\"_ _5\"></span>ring en solvensmargin p\u00e5 261 prosent (f\u00f8r og etter overgangsregler)<span class=\"_ _1c5\"> </span>. <span class=\"ls0 ws0\"> </span><table class=\"s w3d7 h529\" id=\"_2bf0da3e-2bc2-44db-9eb7-4c17374901e3\"><tr><td class=\"c x3fc y449b w98 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449c w98 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y449c w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449d w98 hd9\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y449e w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Aksjeka<span class=\"_ _5\"></span>pital<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td><td class=\"c x4a6 y449e w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">641</span> </div></td></tr><tr><td class=\"c x3fc y449f w98 hda\"><div class=\"t m2 x163 hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Overkur<span class=\"_ _5\"></span>sfond<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td><td class=\"c x4a6 y449f w6e hda\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">016</span> </div></td></tr><tr><td class=\"c x3fc y44a0 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5n<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td><td class=\"c x4a6 y44a0 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x548 y44a1 w3d8 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2e7 fs53 fc21 sc0 lsab wscb\">Avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve</div><div class=\"t m2 x547 h121 y3ebb ff2e7 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x4a5 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>240<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a2 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>734<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a3 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 1<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>397<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44a3 w6e hd9\"><div class=\"t m2 x1ba hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>891<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a4 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44a5 w98 hdb\"><div class=\"t m2 x163 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Ansvarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x4a6 y44a5 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td class=\"c x3fc y44a6 w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Risikoutj<span class=\"_ _5\"></span>evni<span class=\"_ _5\"></span>ngsfo<span class=\"_ _5\"></span>nd<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a6 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">472</span> </div></td></tr><tr><td class=\"c x3fc y44a7 w98 hde\"><div class=\"t m2 x163 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">Kapital<span class=\"_ _5\"></span>begrens<span class=\"_ _5\"></span>ning<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x4a6 y44a7 w6e hde\"><div class=\"t m2 x1b8 hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscb\">(404)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44a8 w98 hdd\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 2<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">598</span> </div></td><td class=\"c x4a6 y44a8 w6e hdd\"><div class=\"t m2 x248 hcc y1dc1 ff2e7 fs53 fc21 sc0 ls0 ws0\">6 <span class=\"lsab wscb\">567</span> </div></td></tr><tr><td class=\"c x3fc y44a9 w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wsd0\">Kapital<span class=\"_ _5\"></span>gruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44aa w98 hdb\"><div class=\"t m2 x163 hcc y1dae ff2e7 fs53 fc21 sc0 lsaa ws0\">Utsatt ska<span class=\"_ _5\"></span>tt<span class=\"ls0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ab w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2e7 fs53 fc21 sc0 lsab wscd\">Sum kapit<span class=\"_ _5\"></span>alg<span class=\"_ _5\"></span>ruppe 3<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y44ac w98 hdd\"><div class=\"t m2 x19f hdc y1dc1 ff2e6 fs53 fc21 sc0 lsa9 ws87\">Sum so<span class=\"_ _1\"></span>lven<span class=\"_ _1\"></span>skapit<span class=\"_ _1\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ac w6e hdd\"><div class=\"t m2 x1ba hdc y1dc1 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44ad w98 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wsd0\">Sum solven<span class=\"_ _5\"></span>skapi<span class=\"_ _5\"></span>tal uten over<span class=\"_ _5\"></span>gangsr<span class=\"_ _5\"></span>egler<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">32<span class=\"ls0 ws0\"> </span>995<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44ad w6e hdd\"><div class=\"t m2 x1ba hdc y1da9 ff2e6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>458<span class=\"ls0 ws0\"> </span></div></td></tr></table>1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Opptj<span class=\"_ _5\"></span>ent e<span class=\"_ _5\"></span>genka<span class=\"_ _5\"></span>pital i<span class=\"_ _5\"></span>nng\u00e5r i a<span class=\"_ _5\"></span>vstemm<span class=\"_ _5\"></span>ingsres<span class=\"_ _5\"></span>erven.<span class=\"_ _5\"></span> I tille<span class=\"_ _5\"></span>gg vi<span class=\"_ _5\"></span>l end<span class=\"_ _5\"></span>ringer i<span class=\"_ _5\"></span> kap<span class=\"_ _5\"></span>ital som f<span class=\"_ _5\"></span>\u00f8lge <span class=\"_ _5\"></span>av over<span class=\"_ _5\"></span>gang<span class=\"_ _5\"></span>en til m<span class=\"_ _5\"></span>arked<span class=\"_ _5\"></span>sverdier fo<span class=\"_ _5\"></span>r eien<span class=\"_ _5\"></span>deler <span class=\"_ _5\"></span>og for<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>ser v<span class=\"_ _5\"></span>\u00e6re </span>en del av avstemm<span class=\"_ _5\"></span>ings<span class=\"_ _5\"></span>reserve<span class=\"_ _5\"></span>n.<span class=\"_ _1c5\"> </span><table class=\"s w3d6 h528\" id=\"_d1f8504c-c3b2-454d-807b-c6cc7cd54532\"><tr><td class=\"c x3fc y4491 w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvenskapital<span class=\"_ _5\"></span>krav<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y4492 w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4492 w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4493 w98 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">Markeds<span class=\"_ _5\"></span><span class=\"ls0 ws0\">- </span><span class=\"wscd\">og mo<span class=\"_ _5\"></span>tparts<span class=\"_ _5\"></span>risiko</span><span class=\"wscd\"><span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4493 w6e hd9\"><div class=\"t m2 x1ba hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4494 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">Forsikringsrisiko<span class=\"_ _5\"></span> </div></td><td class=\"c x4a5 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>166<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4494 w6e hdb\"><div class=\"t m2 x1ba hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>666<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4495 w98 hda\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Operasj<span class=\"_ _5\"></span>onell ri<span class=\"_ _5\"></span>siko<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">031</span> </div></td><td class=\"c x4a6 y4495 w6e hda\"><div class=\"t m2 x248 hcc y1db0 ff2e7 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">025</span> </div></td></tr><tr><td class=\"c x3fc y4496 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Diversifi<span class=\"_ _5\"></span>sering<span class=\"_ _5\"></span> mell<span class=\"_ _5\"></span>om mark<span class=\"_ _5\"></span>eds<span class=\"ls0 ws0\">- <span class=\"_ _5\"></span></span><span class=\"wsd0\">og motpartsri<span class=\"_ _5\"></span>siko og for<span class=\"_ _5\"></span>sikri<span class=\"_ _5\"></span>ngsrisi<span class=\"_ _5\"></span>ko</span><span class=\"wsd0\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x4a5 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4496 w6e hdb\"><div class=\"t m2 x19e hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">901</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4497 w98 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i uts<span class=\"_ _5\"></span>att sk<span class=\"_ _5\"></span>att<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">025</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4497 w6e hde\"><div class=\"t m2 x19e hcc y1dc1 ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">206</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4498 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Tapsabs<span class=\"_ _5\"></span>orberin<span class=\"_ _5\"></span>g i fors<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gstekni<span class=\"_ _5\"></span>ske <span class=\"_ _5\"></span>avsetni<span class=\"_ _5\"></span>nger<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(16<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">095</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x4a6 y4498 w6e hdb\"><div class=\"t m2 x247 hcc y1dae ff2e7 fs53 fc21 sc0 lsb2 wsf1\">(13<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">884</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3fc y4499 w98 hdd\"><div class=\"t m2 x19f hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">Solven<span class=\"_ _5\"></span>skapita<span class=\"_ _5\"></span>lkrav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>658<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y4499 w6e hdd\"><div class=\"t m2 x1ba hdc y1db0 ff2e6 fs53 fc21 sc0 lsab wscb\">13<span class=\"ls0 ws0\"> </span>135<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y449a w98 h11f\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">Minsteka<span class=\"_ _5\"></span>pital<span class=\"_ _5\"></span>krav<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">696</span> </div></td><td class=\"c x4a6 y449a w6e h11f\"><div class=\"t m2 x248 hcc y1dae ff2e7 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">911</span> </div></td></tr></table><table class=\"s w3d7 h52a\" id=\"_01fa3f4c-954a-479a-b0a6-e82adf4df79e\"><tr><td class=\"c x3fc y44ae w98 h139\"><div class=\"t m2 x19f hd1 y2193 ff2e6 fs55 fc21 sc0 lsaf wscf\">Solvensmargin<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c x3fc y41bb w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2e8 fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i p<span class=\"_ _5\"></span>rosent<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y41bb w6e hd7\"><div class=\"t m2 x20f hcc y1f31 ff2e7 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44af w98 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n med ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44af w6e hdd\"><div class=\"t m2 x0 hcc y1db0 ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y44b0 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscd\">Solven<span class=\"_ _5\"></span>smargi<span class=\"_ _5\"></span>n uten ov<span class=\"_ _5\"></span>erga<span class=\"_ _5\"></span>ngsre<span class=\"_ _5\"></span>gler<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a5 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">261<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a6 y44b0 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2e7 fs53 fc21 sc0 lsab wscb\">262<span class=\"ls0 ws0\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNatureAndExtentOfRisksThatAriseFromContractsWithinScopeOfIFRS17Explanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-436": {
   "value": "Note K44 Etters<span class=\"_ _1\"></span>tilte seniorobligasjoner<span class=\"_ _1c5\"> </span><table class=\"s w3d9 h52b\" id=\"_010e2204-3221-494e-a57c-0311fa574bfb\"><tr><td class=\"c x45e y44b1 w1e4 h136\"><div class=\"t m2 x19f hd1 y200d ff2eb fs55 fc21 sc0 lsaf wsf6\">Endringer i etterstilte o<span class=\"_ _5\"></span>bligasjoner<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x549 y44b2 w1e5 hd7\"><div class=\"t m2 x4f hcc y1dc1 ff2ea fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>t/<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b2 w1e6 hd7\"><div class=\"t m2 x266 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b2 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2ea fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x54c y44b3 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b3 w1e7 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2ea fs53 fc21 sc0 lsaa wscd\">Emittert<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b3 w1e5 hd7\"><div class=\"t m2 x19b hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b3 w1e6 hd7\"><div class=\"t m2 x44 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b3 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54e y44b3 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b4 w1e4 hd7\"><div class=\"t m2 x19f hd8 y1dc1 ff2ec fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b4 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b4 w1e7 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b4 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54a y44b4 w1e6 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54b y44b4 w1e5 hd7\"><div class=\"t m2 x20f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54e y44b4 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b5 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r, nomin<span class=\"_ _5\"></span>ell verdi<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b5 w1e6 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>501<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b5 w1e7 hd9\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b5 w1e5 hd9\"><div class=\"t m2 x267 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b5 w1e6 hd9\"><div class=\"t m2 x4f hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td></td><td class=\"c x54e y44b5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">120<span class=\"ls0 ws0\"> </span>568<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44b6 w3c2 h4e5\"><div class=\"t m2 x3f4 hcc y3e5d ff2ea fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3e5e ff2ea fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x54c y44b7 w1e6 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x54b y44b7 w1e5 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b7 w1e5 hda\"><div class=\"t m2 x4f hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">085</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x45e y44b8 w1e4 h11f\"><div class=\"t m2 x19f hdc y1db0 ff2eb fs53 fc21 sc0 lsb3 wsf3\">Etters<span class=\"_ _5\"></span>til<span class=\"_ _5\"></span>te seni<span class=\"_ _5\"></span>oro<span class=\"_ _5\"></span>bliga<span class=\"_ _5\"></span>sjoner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b8 w1e6 h11f\"><div class=\"t m2 x1bc hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b8 w1e7 h11f\"><div class=\"t m2 x329 hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b8 w1e5 h11f\"><div class=\"t m2 x267 hdc y1db0 ff2eb fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b8 w1e6 h11f\"><div class=\"t m2 x4f hdc y1db0 ff2eb fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54b y44b8 w1e5 h11f\"><div class=\"t m2 x1ab hdc y1db0 ff2eb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b8 w1e5 h11f\"><div class=\"t m2 x1bc hdc y1db0 ff2eb fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y44b9 w1e4 hdb\"><div class=\"t m2 x19f hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54c y44b9 w1e6 hdb\"><div class=\"t m2 x1bc hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x54d y44b9 w1e7 hdb\"><div class=\"t m2 x329 hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>583<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x549 y44b9 w1e5 hdb\"><div class=\"t m2 x267 hd8 y1dae ff2ec fs53 fc21 sc0 lsb2 wsf1\">(22<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">359</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54a y44b9 w1e6 hdb\"><div class=\"t m2 x4f hd8 y1dae ff2ec fs53 fc21 sc0 lsb2 wsf1\">(5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">291</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x54b y44b9 w1e5 hdb\"><div class=\"t m2 x1ab hd8 y1dae ff2ec fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">060</span> </div></td><td class=\"c x54e y44b9 w1e5 hdb\"><div class=\"t m2 x1bc hd8 y1dae ff2ec fs53 fc21 sc0 lsab wscb\">119<span class=\"ls0 ws0\"> </span>484<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr></table><table class=\"s w3da h52c\" id=\"_97f983ea-2f98-40b1-b5be-27a497521cd4\"><tr><td class=\"c x46f y44ba w3db h52d\"><div class=\"t m2 x3f4 hd1 y3f04 ff2eb fs55 fc21 sc0 lsaf wsf6\">Forfall<span class=\"_ _5\"></span>stidspunkt etterstilte seniorobligasjoner<span class=\"_ _5\"></span> per 31. desember 2025</div><div class=\"t m2 x54f h14a y3f05 ff2eb fs56 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y44bb w1e4 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff2ec fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x51a y44bb w1e9 hd7\"><div class=\"t m2 x227 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscd\">Norske k<span class=\"_ _5\"></span>roner<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44bb w1e5 hd7\"><div class=\"t m2 x1bb hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">Valuta<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bb w1e5 hd7\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">Totalt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bc w1e4 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2026<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44bc w1e6 hdd\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">800<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44bc w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>443<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bc w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">35<span class=\"ls0 ws0\"> </span>243<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bd w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44bd w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bd w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>558<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44be w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44be w1e6 hde\"><div class=\"t m2 x1ab hcc y1dc1 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x550 y44be w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>324<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44be w1e5 hde\"><div class=\"t m2 x329 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>424<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44bf w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2029<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44bf w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44bf w1e5 hdb\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>434<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c0 w1e4 hda\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44c0 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>956<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c0 w1e5 hda\"><div class=\"t m2 x329 hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>956<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c1 w1e4 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">2031<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y44c2 w1e4 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscd\">2032 og s<span class=\"_ _5\"></span>enere<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x550 y44c2 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">887<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c2 w1e5 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">887<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c3 w1e4 hd9\"><div class=\"t m2 x19f hcc y1db0 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r, nomin<span class=\"_ _5\"></span>ell verdi<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44c3 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1db0 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">900</span> </div></td><td class=\"c x550 y44c3 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span>601<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c3 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>501<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y4192 w3c2 h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2ea fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x520 h121 y3ebb ff2ea fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x551 y44c4 w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(58)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x550 y44c4 w1e5 hdb\"><div class=\"t m2 x20e hcc y1db0 ff2ea fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c4 w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1db0 ff2ea fs53 fc21 sc0 lsb2 wsf1\">(25)<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x425 y44c5 w1e4 hd9\"><div class=\"t m2 x19f hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wsd0\">Ettersti<span class=\"_ _5\"></span>lte senior<span class=\"_ _5\"></span>obli<span class=\"_ _5\"></span>gasjone<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x551 y44c5 w1e6 hd9\"><div class=\"t m2 x1ab hcc y1dc1 ff2ea fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">842</span> </div></td><td class=\"c x550 y44c5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">109<span class=\"ls0 ws0\"> </span>634<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x51d y44c5 w1e5 hd9\"><div class=\"t m2 x1bc hcc y1dc1 ff2ea fs53 fc21 sc0 lsab wscb\">112<span class=\"ls0 ws0\"> </span>476<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3eae w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff2ec fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3eae w3c7 h4b2\"><div class=\"t m2 x3f4 hd8 y3e8c ff2ec fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">Inklu<span class=\"_ _5\"></span>dert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e renter,<span class=\"_ _5\"></span> just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r</span>-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkur<span class=\"_ _1\"></span>s.<span class=\"_ _1c5\"> </span></span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff2ec fs53 fc21 sc0 ls0 ws0\">2<span class=\"_ _1c5\"> </span></div></td><td></td><td></td><td class=\"c x410 y3e64 w3dc h4fa\"><div class=\"t m2 x3f4 hd8 y3e62 ff2ec fs53 fc21 sc0 ls0 ws0\"><span class=\"lsab wscd\">I ta<span class=\"_ _5\"></span>bellen o<span class=\"_ _5\"></span>ver e<span class=\"_ _5\"></span>r det</span> <span class=\"lsab wscd\">f\u00f8rs<span class=\"_ _5\"></span>te for<span class=\"_ _5\"></span>fallsti<span class=\"_ _5\"></span>dspunkt <span class=\"_ _5\"></span>som e<span class=\"_ _5\"></span>r lagt ti<span class=\"_ _5\"></span>l grun<span class=\"_ _5\"></span>n i forf<span class=\"_ _5\"></span>allsp<span class=\"_ _5\"></span>rofile<span class=\"_ _5\"></span>n, d<span class=\"lsa7 wsd1\">et vil si </span><span class=\"wsd0\">DN<span class=\"_ _5\"></span>Bs f\u00f8rste<span class=\"_ _5\"></span> opsjon til \u00e5 in<span class=\"_ _5\"></span>nl\u00f8se obli<span class=\"_ _5\"></span>gasj<span class=\"_ _5\"></span>onen (call da<span class=\"_ _5\"></span>te).<span class=\"_ _1c5\"> </span></span></span></div></td><td></td></tr></table>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper <span class=\"ls0 ws0\"> </span>For inf<span class=\"_ _5\"></span>ormasjon om regnsk<span class=\"_ _5\"></span>apsprinsipper, s<span class=\"_ _5\"></span>e note K27 K<span class=\"_ _5\"></span>lassifikasjon av f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>instrumenter.<span class=\"ls0 ws0\"> </span><table class=\"s w3dd h52e\" id=\"_6f2ff66b-b2a0-4eb0-8381-e88207558a6f\"><tr><td class=\"c x3db y44c6 w231 h136\"><div class=\"t m2 x19f hd1 y2036 ff2f5 fs55 fc21 sc0 lsae wsce\">Endring i<span class=\"_ _1\"></span> ansvarlig l\u00e5ne<span class=\"_ _1\"></span>kapital og f<span class=\"_ _1\"></span>ondsobligasj<span class=\"_ _1\"></span>onsl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x552 y44c7 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Forfalt/ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c7 w1e5 hd7\"><div class=\"t m2 xda hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x554 y44c7 w1e5 hd7\"><div class=\"t m2 x19b hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x555 y44c8 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Emittert <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c8 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c8 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c8 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44c9 w232 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44c9 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c9 w1e6 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c9 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ca w232 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al, nom<span class=\"_ _5\"></span>inel<span class=\"_ _5\"></span>l verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ca w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ca w1e5 hdd\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ca w1e6 hdd\"><div class=\"t m2 x4f hcc y1db0 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">590</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ca w1e5 hdd\"><div class=\"t m2 x1a5 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44ca w1e6 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cb w232 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">643<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x553 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(82)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44cb w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">724<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44cc w3de h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2f6 fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x558 h121 y3ebb ff2f6 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x555 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">688<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x552 y44cd w1e6 hde\"><div class=\"t m2 x20e hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x554 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cd w1e6 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">757<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ce w232 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2f5 fs53 fc21 sc0 lsdb ws128\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5ne<span class=\"_ _1\"></span>kapital<span class=\"_ _1\"></span> og fondsobl<span class=\"_ _1\"></span>igasjon<span class=\"_ _1\"></span>sl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ce w1e5 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ce w1e5 hdd\"><div class=\"t m2 x1ab hdc y1da9 ff2f5 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ce w1e6 hdd\"><div class=\"t m2 x4f hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ce w1e5 hdd\"><div class=\"t m2 x1a5 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44ce w1e5 hdd\"><div class=\"t m2 x1b9 hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44ce w1e6 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cf w232 hde\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cf w1e5 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44cf w1e5 hde\"><div class=\"t m2 x1ab hd8 y1da9 ff2f7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44cf w1e6 hde\"><div class=\"t m2 x4f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44cf w1e5 hde\"><div class=\"t m2 x1a5 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44cf w1e5 hde\"><div class=\"t m2 x1b9 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cf w1e6 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr></table>Forfall<span class=\"_ _5\"></span>stidspunkt ansvarlig l\u00e5n per 31. desember 2025<span class=\"ls0 ws0\"> </span>F\u00f8rst<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi i <span class=\"ls0 ws0\"> </span>forfalls<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span>verdi i n<span class=\"_ _5\"></span>orske <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Opptaks<span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span>utenlan<span class=\"_ _5\"></span>dsk valut<span class=\"_ _5\"></span>a <span class=\"ls0 ws0\"> </span>Rentesat<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\"> </span>Forfal<span class=\"_ _5\"></span>l<span class=\"ls0 ws0\"> </span>tidspunkt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>kroner <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span>2,72 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>450<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">350</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>00 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">350</span> 2021<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,60 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span>2021<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">600</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 0,<span class=\"_ _5\"></span>95 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">750</span> 2022<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">500</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>05 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>2 <span class=\"lsab wscb\">500</span> 2022<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span>3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>08 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2032<span class=\"ls0 ws0\"> </span>2027<span class=\"ls0 ws0\"> </span>150<span class=\"ls0 ws0\"> </span>2022<span class=\"ls0 ws0\"> </span>JPY 9 <span class=\"lsab wscb\">000</span> 1,35 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>578<span class=\"ls0 ws0\"> </span>2022<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>750<span class=\"ls0 ws0\"> </span>4,63 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>8 <span class=\"lsab wscb\">872</span> 2023<span class=\"ls0 ws0\"> </span>JPY 12<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,65 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>803<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>650<span class=\"ls0 ws0\"> </span>5,01 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>650<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>NOK<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>75 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">100</span> 2023<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>4,91 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>547<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>SEK<span class=\"ls0 ws0\"> </span>700<span class=\"ls0 ws0\"> </span>3-<span class=\"lsab wscd\">mnd ST<span class=\"_ _5\"></span>IBOR + <span class=\"_ _5\"></span>1,80 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> 2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>765<span class=\"ls0 ws0\"> </span>2023<span class=\"ls0 ws0\"> </span>JPY 27<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>1,50 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">735</span> 2023<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>5,00 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2033<span class=\"ls0 ws0\"> </span>2028<span class=\"ls0 ws0\"> </span>5 <span class=\"lsab wscb\">914</span> 2024<span class=\"ls0 ws0\"> </span>JPY 19<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span>1,70 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2035<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">253</span> 2025<span class=\"ls0 ws0\"> </span>EUR<span class=\"ls0 ws0\"> </span>400<span class=\"ls0 ws0\"> </span>3,75 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2035<span class=\"ls0 ws0\"> </span>2030<span class=\"ls0 ws0\"> </span>4 <span class=\"lsab wscb\">731</span> Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span>Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>2004<span class=\"ls0 ws0\"> </span>JPY 10<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span>4,51 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span>2029<span class=\"ls0 ws0\"> </span>643<span class=\"ls0 ws0\"> </span>Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span>643<span class=\"ls0 ws0\"> </span>1<span class=\"_ _1c5\"> </span><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>udert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e rent<span class=\"_ _5\"></span>er, just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkurs<span class=\"_ _1c5\"> </span></span></span></span>Note K45 Ans<span class=\"_ _2\"></span>varlig l\u00e5nek<span class=\"_ _1\"></span>apital og fondsobligasjonsl\u00e5n<span class=\"_ _1c5\"> </span>Note K47 Egenk<span class=\"_ _1\"></span>apital<span class=\"_ _1c5\"> </span>Aksjekapit<span class=\"_ _5\"></span>al<span class=\"ff301 ls0 ws0\"> </span>P\u00e5 den ordin\u00e6re generalfors<span class=\"_ _5\"></span>amlingen som ble avholdt 29. april 2025, ble det besluttet \u00e5 redusere aksjekapitalen ved hjelp av sletti<span class=\"_ _5\"></span>ng av egne aksjer og innl\u00f8si<span class=\"_ _5\"></span>ng av aksjer eid a<span class=\"_ _1\"></span>v st<span class=\"_ _5\"></span>aten. Slettingen av aksjene ble registrert i Foretaksregist<span class=\"_ _5\"></span>eret 25. juni 2025. Antallet utstedte aksjer ble redusert med 14 925 301 til 1 477 604 985.<span class=\"ls0 ws0\"> </span>Aksjekapit<span class=\"_ _5\"></span>alen til DNB Bank ASA per 31. desember 2025 utgjorde 18 470 062 313 <span class=\"_ _1\"></span>kroner fordelt p\u00e5 1 477 604 985 aksjer, hver p\u00e5lydende 12,50 kroner. Aksjekapit<span class=\"_ _5\"></span>alen til DNB Bank ASA per 31. desember 2024 utgjorde 18 656 628 575 <span class=\"_ _1\"></span>kroner fordelt p\u00e5 1 492<span class=\"ls0 ws0\"> </span>530 286<span class=\"ls0 ws0\"> <span class=\"lsbd ws117\">ak<span class=\"_ _5\"></span>sj<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span>,<span class=\"_ _5\"></span> hve<span class=\"_ _5\"></span>r </span></span>p\u00e5lydende <span class=\"_ _5\"></span>12,50 kroner. <span class=\"ls0 ws0\"> </span>DNB Bank ASA har \u00e9n aksjeklasse, og alle aksjer har stemmerett. Aksjeeiere har rett til \u00e5 motta det til enhver ti<span class=\"_ _5\"></span>d foresl\u00e5tte<span class=\"ls0 ws0\"> </span>utbyttet og har \u00e9n stemmerett per aksje ved selskapets generalf<span class=\"_ _5\"></span>orsamling. <span class=\"ls0 ws0\"> </span>Styret har foresl<span class=\"_ _5\"></span>\u00e5tt et utbytte p\u00e5 18,00 kroner per aksje for 2025, for utbetaling fra 30. april 2026.<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Utbytt<span class=\"_ _1\"></span>e<span class=\"ls0 ws0\"> </span>Foresl\u00e5tt utbytt<span class=\"_ _5\"></span>e inng\u00e5r som en del av egenkapitalen inntil det er besluttet p\u00e5 generalforsamli<span class=\"_ _5\"></span>ngen, fra det tidspunktet pres<span class=\"wsd2\">enteres<span class=\"_ _5\"></span> utbytte som </span>gjeld i regnskapet. Foresl<span class=\"_ _5\"></span>\u00e5tt utbytte inng\u00e5r ikke i beregningen av kapitaldek<span class=\"_ _5\"></span>ningen.<span class=\"ls0 ws0\"> </span>Egne aksje<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>P\u00e5 generalfors<span class=\"_ _5\"></span>amlingen 29. april 2025 fikk styret fullmakt til et nytt tilbakek<span class=\"_ _5\"></span>j\u00f8psprogram p\u00e5 3,5 prosent av selskapets aksje<span class=\"wsd2\">kapital. I<span class=\"_ _5\"></span> tillegg f<span class=\"_ _5\"></span>ikk </span>DNB Carnegie fullmakt til \u00e5 tilbak<span class=\"_ _5\"></span>ekj\u00f8pe 0,5 prosent for sikringsform\u00e5l. Fullmakt<span class=\"_ _5\"></span>en gjelder fram til generalforsamlingen i 2026.<span class=\"ls0 ws0\"> </span>Ett tilbakekj<span class=\"_ _5\"></span>\u00f8psprogram p\u00e5 1,0 prosent ble startet 17. juni og fullf\u00f8rt 26. september, og et nytt program p\u00e5 1,0 prosent ble igangsatt 22. oktober. Totalt 16 630 562 aksjer ble kj\u00f8pt tilbake i markedet under disse to programmene fram til \u00e5rssl<span class=\"_ _5\"></span>utt 2025. I tillegg vil en andel av den norske statens beholdning bli innl<span class=\"_ _5\"></span>\u00f8st etter generalforsamlingen i 2026, slik at t<span class=\"_ _5\"></span>otalt antall tilbakekj\u00f8pte aksjer ved \u00e5rets utgang v<span class=\"_ _5\"></span>ar 25 197 821 aksjer, tilsvarende 1,<span class=\"_ _5\"></span>7 prosent.<span class=\"_ _1c5\"> </span>Hybridkapi<span class=\"_ _1\"></span>tal<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Finansiel<span class=\"_ _5\"></span>le instrumenter med egenskaper som egenkapital<span class=\"ls0 ws0\"> </span>Utstedte hybridk<span class=\"_ _5\"></span>apitalinstrumenter i kons<span class=\"_ _5\"></span>ernet er instrumenter der DNB har en ensidig rett til ikke \u00e5 betale tilbake renter eller hovedstolen til investorene.<span class=\"_ _5\"></span> Som f\u00f8lge av disse vilk\u00e5rene tilfredsstiller ikke inst<span class=\"_ _5\"></span>rumentene kravene til forpliktelse og innr<span class=\"wsd2\">egnes <span class=\"_ _5\"></span>i kon</span>sernets egenkapi<span class=\"_ _5\"></span>tal p\u00e5 linjen \u00abHybridkapi<span class=\"_ _5\"></span>tal\u00bb. Transaks<span class=\"_ _5\"></span>jons<span class=\"lsc5 ws130\">kost</span><span class=\"wsf6\">nader og renter presenteres som en reduksjon i \u00abAnnen egenkapital\u00bb.<span class=\"ls0 ws0\"> </span></span>Egenkapit<span class=\"_ _5\"></span>al i utenlandsk valuta omregnes til norske kroner med kursen fra transaksjons<span class=\"_ _5\"></span>datoen og er ikke gjenstand for senere <span class=\"wscf\">revaluering. </span>Hybridkapital<span class=\"_ _5\"></span> i utenlandsk valuta er dermed kun revaluert ved innl\u00f8sning.<span class=\"_ _1c5\"> </span>Hybridkapital<span class=\"_ _5\"></span>en er utstedt av DNB Bank ASA. To hybridkapitalinstrumenter bl<span class=\"_ _5\"></span>e utstedt i 2025, p\u00e5lydende til sammen 1<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">850 millioner k<span class=\"_ _5\"></span>roner.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">To </span></span>hybridkapital<span class=\"_ _5\"></span>instrumenter ble innl\u00f8st i 2025, p\u00e5lydende til sammen 400 millioner kroner.<span class=\"ls0 ws0\"> </span><table class=\"s w3e1 h531\" id=\"_0fae16dc-6181-42fd-87f8-53907388a168\"><tr><td></td><td></td><td class=\"c x3db y44ea w245 hd7\"><div class=\"t m2 x4d hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x55d y44ea w248 hd7\"><div class=\"t m2 x6 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44eb w129 hd7\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">Opptaks<span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x55e y44eb w236 hd7\"><div class=\"t m2 x44 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">verdi i v<span class=\"_ _5\"></span>aluta<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44eb w246 hd7\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">Rentesat<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x560 y44eb w24a hd7\"><div class=\"t m2 x19a hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">i norske <span class=\"_ _5\"></span>krone<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ec w129 h165\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ec w24b h165\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ec w171 h165\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">100<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44ec w24c h165\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 2,<span class=\"_ _5\"></span>60 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x560 y44ec w24a h165\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">100<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ed w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ed w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ed w171 hde\"><div class=\"t m2 x44 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">750</span> </div></td><td class=\"c x55f y44ed w24c hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>75 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x560 y44ed w24a hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">750</span> </div></td></tr><tr><td class=\"c x3db y44ee w129 hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ee w24b hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ee w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44ee w24c hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">6,72 % p.<span class=\"_ _5\"></span>a. til<span class=\"_ _5\"></span> 18. f<span class=\"_ _5\"></span>ebruar 2<span class=\"_ _5\"></span>028, <span class=\"_ _5\"></span>derette<span class=\"_ _5\"></span>r 3<span class=\"ls0 ws0\">-</span>mnd N<span class=\"_ _5\"></span>IBOR +<span class=\"_ _5\"></span> 3,<span class=\"_ _5\"></span>75%<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x560 y44ee w24a hdb\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ef w129 hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ef w24b hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ef w171 hda\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">600<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44ef w24c hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 4,<span class=\"_ _5\"></span>00 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x560 y44ef w24a hda\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">600<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f0 w129 hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f0 w24b hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f0 w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">950<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x562 y44f1 w3e2 h532\" colspan=\"2\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">7,75% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>4. mai<span class=\"_ _1c5\"> </span></div></td><td class=\"c x563 y44f1 w3e3 h532\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">2028,<span class=\"_ _1c5\"> </span></div></td><td class=\"c x564 y44f1 w3e4 h532\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">derette<span class=\"_ _5\"></span>r 3<span class=\"ls0 ws0\">-</span>mnd NI<span class=\"_ _5\"></span>BOR +<span class=\"_ _5\"></span> 4,00 %<span class=\"_ _1c5\"> </span></div></td><td class=\"c x560 y44f0 w24a hdb\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">950<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f2 w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f2 w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f2 w171 hde\"><div class=\"t m2 x44 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">300</span> </div></td><td class=\"c x55f y44f2 w24c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>50 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f2 w24a hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">300</span> </div></td></tr><tr><td class=\"c x3db y44f3 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f3 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f3 w171 hdb\"><div class=\"t m2 x44 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x55f y44f3 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>50 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f3 w24a hdb\"><div class=\"t m2 x20c hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">961<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f4 w129 hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f4 w24b hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f4 w171 hda\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">850<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44f4 w24c hda\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">6,89% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>14. mars<span class=\"_ _5\"></span> 2029<span class=\"_ _5\"></span>, der<span class=\"_ _5\"></span>etter <span class=\"_ _5\"></span>3<span class=\"ls0 ws0\">-</span>mnd ST<span class=\"_ _5\"></span>IBOR<span class=\"_ _5\"></span> + 3,50%<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x560 y44f4 w24a hda\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">817<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f5 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f5 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f5 w171 hdb\"><div class=\"t m2 x44 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x55f y44f5 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>50 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f5 w24a hdb\"><div class=\"t m2 x1b9 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td></tr><tr><td class=\"c x3db y44f6 w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f6 w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f6 w171 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">650<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44f6 w24c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscd\">7,69% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>14. mars<span class=\"_ _5\"></span> 2029<span class=\"_ _5\"></span>, der<span class=\"_ _5\"></span>etter <span class=\"_ _5\"></span>3<span class=\"ls0 ws0\">-</span>mnd NIB<span class=\"_ _5\"></span>OR + <span class=\"_ _5\"></span>3,50%<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x560 y44f6 w24a hde\"><div class=\"t m2 x20c hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">650<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f7 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f7 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f7 w171 hdb\"><div class=\"t m2 x44 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x55f y44f7 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd ST<span class=\"_ _5\"></span>IBOR + <span class=\"_ _5\"></span>3,10 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f7 w24a hdb\"><div class=\"t m2 x1b9 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">124</span> </div></td></tr><tr><td class=\"c x3db y44f8 w129 hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f8 w24b hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f8 w171 hda\"><div class=\"t m2 x44 hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x55f y44f8 w24c hda\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wsd0\">5,89 % p.a.til 27<span class=\"_ _5\"></span>. august 202<span class=\"_ _5\"></span>9. deret<span class=\"_ _5\"></span>ter 3<span class=\"ls0 ws0\">-</span><span class=\"wscd\">mnd<span class=\"_ _5\"></span> STIB<span class=\"_ _5\"></span>OR + 3,1<span class=\"_ _5\"></span>0%</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x560 y44f8 w24a hda\"><div class=\"t m2 x1b9 hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">044</span> </div></td></tr><tr><td class=\"c x3db y44f9 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f9 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsa7 wsc9\">USD<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f9 w171 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">700<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44f9 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscd\">7,38% p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x560 y44f9 w24a hdb\"><div class=\"t m2 x1b9 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">383</span> </div></td></tr><tr><td class=\"c x3db y44fa w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44fa w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44fa w171 hde\"><div class=\"t m2 x44 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">600</span> </div></td><td class=\"c x55f y44fa w24c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>25 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44fa w24a hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">600</span> </div></td></tr><tr><td class=\"c x3db y44fb w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44fb w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44fb w171 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">250<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x562 y44fc w3e2 h533\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">6,11% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>5. mai<span class=\"_ _1c5\"> </span></div></td><td class=\"c x563 y44fc w3e3 h533\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">2031,<span class=\"_ _1c5\"> </span></div></td><td class=\"c x564 y44fc w3e5 h533\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">derette<span class=\"_ _5\"></span>r 3<span class=\"ls0 ws0\">-</span>mnd NI<span class=\"_ _5\"></span>BOR +<span class=\"_ _5\"></span> 3,25%<span class=\"_ _1c5\"> </span></div></td><td class=\"c x560 y44fb w24a hdb\"><div class=\"t m2 x20c hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">250<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44fd w245 hdd\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">Sum, nom<span class=\"_ _5\"></span>inell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x560 y44fd w24a hdd\"><div class=\"t m2 x1a5 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td></tr></table>For ytterli<span class=\"_ _5\"></span>gere informasjon om utstedt og innfridd hybridkapi<span class=\"_ _5\"></span>tal, se K <span class=\"_ _1\"></span><span class=\"wscf\">\u2013 <span class=\"wsf6\">Endri<span class=\"_ _5\"></span>ng i egenkapital.<span class=\"_ _1c5\"> </span></span></span>Netto valu<span class=\"_ _5\"></span>taomr<span class=\"_ _5\"></span>egningsr<span class=\"_ _5\"></span>eserve<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser en spesifik<span class=\"_ _5\"></span>asjon av netto valutaomregningsreserve.<span class=\"ls0 ws0\"> </span>Netto<span class=\"ls0 ws0\"> </span>Netto valuta<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span>Valutakurs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>investerings<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>omregnings<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span>Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span>reserve sikringsreserve Skatt<span class=\"ls0 ws0\"> </span>reserve <span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e per 31. desem<span class=\"_ _5\"></span>ber 2023<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>18<span class=\"ls0 ws0\"> </span>959<span class=\"ls0 ws0\"> </span>(15<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">590</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>3 <span class=\"lsab wscb\">898</span> 7 <span class=\"lsab wscb\">266</span> Valutaom<span class=\"_ _5\"></span>regni<span class=\"_ _5\"></span>ng av <span class=\"_ _5\"></span>utenlan<span class=\"_ _5\"></span>dsk vi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet og s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>g av ne<span class=\"_ _5\"></span>ttoinve<span class=\"_ _5\"></span>stering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>7 <span class=\"lsab wscb\">150</span> (5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">686</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>1 <span class=\"lsab wscb\">465</span> Skatt p\u00e5 s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">421</span> 1 <span class=\"lsab wscb\">421</span> Reklassi<span class=\"_ _5\"></span>fisert t<span class=\"_ _5\"></span>il res<span class=\"_ _5\"></span>ultatr<span class=\"_ _5\"></span>egnska<span class=\"_ _5\"></span>pet ve<span class=\"_ _5\"></span>d avvi<span class=\"_ _5\"></span>kling <span class=\"_ _5\"></span>av ute<span class=\"_ _5\"></span>nlandsk <span class=\"_ _5\"></span>virks<span class=\"_ _5\"></span>omhet<span class=\"ls0 ws0\"> </span>(29)<span class=\"ls0 ws0\"> </span>(29)<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e per 31. desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>26<span class=\"ls0 ws0\"> </span>080<span class=\"ls0 ws0\"> </span>(21<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">276</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>5 <span class=\"lsab wscb\">319</span> 10<span class=\"ls0 ws0\"> </span>123<span class=\"ls0 ws0\"> </span>Valutaom<span class=\"_ _5\"></span>regni<span class=\"_ _5\"></span>ng av <span class=\"_ _5\"></span>utenlan<span class=\"_ _5\"></span>dsk vi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet og s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>g av ne<span class=\"_ _5\"></span>ttoinve<span class=\"_ _5\"></span>stering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">354</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>2 <span class=\"lsab wscb\">474</span> (880)<span class=\"ls0 ws0\"> </span>Skatt p\u00e5 s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>(618)<span class=\"ls0 ws0\"> </span>(618)<span class=\"ls0 ws0\"> </span>Reklassi<span class=\"_ _5\"></span>fisert t<span class=\"_ _5\"></span>il res<span class=\"_ _5\"></span>ultatr<span class=\"_ _5\"></span>egnska<span class=\"_ _5\"></span>pet ve<span class=\"_ _5\"></span>d avvi<span class=\"_ _5\"></span>kling <span class=\"_ _5\"></span>av ute<span class=\"_ _5\"></span>nlandsk <span class=\"_ _5\"></span>virks<span class=\"_ _5\"></span>omhet<span class=\"ls0 ws0\"> </span>(1)<span class=\"ls0 ws0\"> </span>(1)<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e per 31. desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>22<span class=\"ls0 ws0\"> </span>725<span class=\"ls0 ws0\"> </span>(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">802</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>4 <span class=\"lsab wscb\">701</span> 8 <span class=\"lsab wscb\">624</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-449": {
   "value": "Note K45 Ans<span class=\"_ _2\"></span>varlig l\u00e5nek<span class=\"_ _1\"></span>apital og fondsobligasjonsl\u00e5n<span class=\"_ _1c5\"> </span><div class=\"c w73 h28b gs214\"><div class=\"t m2 x20e hcf y31a9 ff2f6 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y31aa ff2f5 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y31ab ff2f6 fs55 fc21 sc0 lsaf wsd2\">For inf<span class=\"_ _5\"></span>ormasjon om regnsk<span class=\"_ _5\"></span>apsprinsipper, s<span class=\"_ _5\"></span>e note K27 K<span class=\"_ _5\"></span>lassifikasjon av f<span class=\"_ _5\"></span>inansielle <span class=\"_ _5\"></span>instrumenter.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y31ac ff2f6 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y31ad ff2f6 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y31ae ff2f6 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y31af ff2f6 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs215\"><table class=\"s w3dd h52e\" id=\"_6f2ff66b-b2a0-4eb0-8381-e88207558a6f\"><tr><td class=\"c x3db y44c6 w231 h136\"><div class=\"t m2 x19f hd1 y2036 ff2f5 fs55 fc21 sc0 lsae wsce\">Endring i<span class=\"_ _1\"></span> ansvarlig l\u00e5ne<span class=\"_ _1\"></span>kapital og f<span class=\"_ _1\"></span>ondsobligasj<span class=\"_ _1\"></span>onsl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"c x552 y44c7 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Forfalt/ <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c7 w1e5 hd7\"><div class=\"t m2 xda hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Valutak<span class=\"_ _5\"></span>urs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span></div></td><td class=\"c x554 y44c7 w1e5 hd7\"><div class=\"t m2 x19b hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">\u00d8vrige <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x555 y44c8 w1e5 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsaa wscd\">Emittert <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c8 w1e6 hd7\"><div class=\"t m2 x329 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Innl\u00f8st<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c8 w1e5 hd7\"><div class=\"t m2 x44 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>g<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c8 w1e5 hd7\"><div class=\"t m2 x1e5 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">endrin<span class=\"_ _5\"></span>ger<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c8 w1e6 hd7\"><div class=\"t m2 x1bc hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>e <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44c9 w232 hd7\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44c9 w1e5 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x552 y44c9 w1e6 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x553 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44c9 w1e5 hd7\"><div class=\"t m2 x20f hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44c9 w1e6 hd7\"><div class=\"t m2 xd9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ca w232 hdd\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al, nom<span class=\"_ _5\"></span>inel<span class=\"_ _5\"></span>l verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ca w1e5 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ca w1e5 hdd\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ca w1e6 hdd\"><div class=\"t m2 x4f hcc y1db0 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">590</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ca w1e5 hdd\"><div class=\"t m2 x1a5 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">(264)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44ca w1e6 hdd\"><div class=\"t m2 x329 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>788<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cb w232 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">643<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x553 y44cb w1e5 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(82)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x557 y44cb w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">724<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y44cc w3de h4b7\"><div class=\"t m2 x3f4 hcc y3e5d ff2f6 fs53 fc21 sc0 lsab wscb\">Verdij<span class=\"_ _5\"></span>usterin<span class=\"_ _5\"></span>ger</div><div class=\"t m2 x558 h121 y3ebb ff2f6 fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x555 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">688<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x552 y44cd w1e6 hde\"><div class=\"t m2 x20e hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(1)<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x554 y44cd w1e5 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cd w1e6 hde\"><div class=\"t m2 x1b9 hcc y1da9 ff2f6 fs53 fc21 sc0 lsab wscb\">757<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ce w232 hdd\"><div class=\"t m2 x19f hdc y1da9 ff2f5 fs53 fc21 sc0 lsdb ws128\">Ansv<span class=\"_ _1\"></span>arlig l\u00e5ne<span class=\"_ _1\"></span>kapital<span class=\"_ _1\"></span> og fondsobl<span class=\"_ _1\"></span>igasjon<span class=\"_ _1\"></span>sl\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44ce w1e5 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44ce w1e5 hdd\"><div class=\"t m2 x1ab hdc y1da9 ff2f5 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44ce w1e6 hdd\"><div class=\"t m2 x4f hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44ce w1e5 hdd\"><div class=\"t m2 x1a5 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44ce w1e5 hdd\"><div class=\"t m2 x1b9 hdc y1da9 ff2f5 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44ce w1e6 hdd\"><div class=\"t m2 x329 hdc y1da9 ff2f5 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44cf w232 hde\"><div class=\"t m2 x19f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscd\">Herav DN<span class=\"_ _5\"></span>B Bank<span class=\"_ _5\"></span> ASA<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x555 y44cf w1e5 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>026<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x556 y44cf w1e5 hde\"><div class=\"t m2 x1ab hd8 y1da9 ff2f7 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">762</span> </div></td><td class=\"c x552 y44cf w1e6 hde\"><div class=\"t m2 x4f hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(4<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">591</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x553 y44cf w1e5 hde\"><div class=\"t m2 x1a5 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">(346)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x554 y44cf w1e5 hde\"><div class=\"t m2 x1b9 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsb2 wsf1\">(68)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x557 y44cf w1e6 hde\"><div class=\"t m2 x329 hd8 y1da9 ff2f7 fs53 fc21 sc0 lsab wscb\">36<span class=\"ls0 ws0\"> </span>269<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"gs216\"><table class=\"s w3df h52f\" id=\"_fc5c9f02-acfa-43c7-b974-372bade4fa1d\"><tr><td class=\"c x400 y44d0 w233 h139\"><div class=\"t m2 x19f hd1 y2193 ff2f5 fs55 fc21 sc0 lsaf wsf6\">Forfall<span class=\"_ _5\"></span>stidspunkt ansvarlig l\u00e5n per 31. desember 2025<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x418 y44d1 w1e5 hd7\"><div class=\"t m2 x19b hcc y1db0 ff2f6 fs53 fc21 sc0 lsb3 ws121\">F\u00f8rst<span class=\"_ _5\"></span>e<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d1 w1e6 hd7\"><div class=\"t m2 x266 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td></td><td class=\"c x400 y44d2 w233 hd7\"><div class=\"t m2 xf5 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi i <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x418 y44d2 w1e5 hd7\"><div class=\"t m2 x4f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">forfalls<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"><span class=\"_ _5\"></span> </span></div></td><td class=\"c x419 y44d2 w1e6 hd7\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">verdi i n<span class=\"_ _5\"></span>orske <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y44d3 w235 hd7\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">Opptaks<span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x559 y44d3 w236 hd7\"><div class=\"t m2 x28b hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wsd0\">utenlan<span class=\"_ _5\"></span>dsk valut<span class=\"_ _5\"></span>a <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x55a y44d3 w234 hd7\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">Rentesat<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44d3 w1e5 hd7\"><div class=\"t m2 x1bb hcc y1db0 ff2f6 fs53 fc21 sc0 lsb3 ws121\">Forfal<span class=\"_ _5\"></span>l<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44d3 w1e5 hd7\"><div class=\"t m2 x20a hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">tidspunkt<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d3 w1e6 hd7\"><div class=\"t m2 x1bb hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">kroner <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y44d4 w235 h11f\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig l\u00e5<span class=\"_ _5\"></span>nekapit<span class=\"_ _5\"></span>al<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x400 y44d5 w235 hde\"><div class=\"t m2 x163 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2021<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44d5 wf5 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44d5 w129 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">450<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44d5 w234 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscd\">2,72 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44d5 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2032<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44d5 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d5 w1e6 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">450<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44d6 w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2021<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44d6 wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44d6 w129 hdb\"><div class=\"t m2 x44 hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">350</span> </div></td><td class=\"c x55a y44d6 w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>00 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x55b y44d6 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2032<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44d6 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d6 w1e6 hdb\"><div class=\"t m2 x1ab hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">350</span> </div></td></tr><tr><td></td><td class=\"c x400 y44d7 w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2021<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44d7 wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44d7 w129 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44d7 w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">1,60 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44d7 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2032<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44d7 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d7 w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">547<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44d8 w235 hda\"><div class=\"t m2 x163 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2021<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44d8 wf5 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44d8 w129 hda\"><div class=\"t m2 x44 hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">600</span> </div></td><td class=\"c x55a y44d8 w234 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 0,<span class=\"_ _5\"></span>95 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x55b y44d8 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2032<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44d8 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d8 w1e6 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">750</span> </div></td></tr><tr><td></td><td class=\"c x400 y44d9 w235 hde\"><div class=\"t m2 x163 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44d9 wf5 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44d9 w129 hde\"><div class=\"t m2 x44 hcc y1dc1 ff2f6 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">500</span> </div></td><td class=\"c x55a y44d9 w234 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>05 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x55b y44d9 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2032<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44d9 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44d9 w1e6 hde\"><div class=\"t m2 x1ab hcc y1dc1 ff2f6 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">500</span> </div></td></tr><tr><td></td><td class=\"c x400 y44da w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44da wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44da w129 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">150<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44da w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>08 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x55b y44da w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2032<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44da w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2027<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44da w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">150<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44db w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44db wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">JPY </div></td><td class=\"c x55c y44db w129 hdb\"><div class=\"t m2 x44 hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x55a y44db w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">1,35 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44db w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44db w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44db w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">578<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44dc w235 hda\"><div class=\"t m2 x163 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44dc wf5 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsa7 wsc9\">EUR<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44dc w129 hda\"><div class=\"t m2 x1e4 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">750<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44dc w234 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">4,63 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44dc w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44dc w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44dc w1e6 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">872</span> </div></td></tr><tr><td></td><td class=\"c x400 y44dd w235 hde\"><div class=\"t m2 x163 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44dd wf5 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 ls0 ws0\">JPY </div></td><td class=\"c x55c y44dd w129 hde\"><div class=\"t m2 x20a hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">12<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44dd w234 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscd\">1,65 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44dd w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44dd w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44dd w1e6 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">803<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44de w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44de wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44de w129 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">650<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44de w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">5,01 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44de w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44de w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44de w1e6 hdb\"><div class=\"t m2 x1b9 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">650<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44df w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44df wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44df w129 hdb\"><div class=\"t m2 x44 hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x55a y44df w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 1,<span class=\"_ _5\"></span>75 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x55b y44df w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44df w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44df w1e6 hdb\"><div class=\"t m2 x1ab hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td></tr><tr><td></td><td class=\"c x400 y44e0 w235 hda\"><div class=\"t m2 x163 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e0 wf5 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44e0 w129 hda\"><div class=\"t m2 x1e4 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e0 w234 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">4,91 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44e0 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44e0 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e0 w1e6 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">547<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44e1 w235 hde\"><div class=\"t m2 x163 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e1 wf5 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44e1 w129 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">700<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e1 w234 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd ST<span class=\"_ _5\"></span>IBOR + <span class=\"_ _5\"></span>1,80 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td class=\"c x55b y44e1 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44e1 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e1 w1e6 hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">765<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td></td><td class=\"c x400 y44e2 w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e2 wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">JPY </div></td><td class=\"c x55c y44e2 w129 hdb\"><div class=\"t m2 x20a hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">27<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e2 w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">1,50 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44e2 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44e2 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e2 w1e6 hdb\"><div class=\"t m2 x1ab hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">735</span> </div></td></tr><tr><td></td><td class=\"c x400 y44e3 w235 hdb\"><div class=\"t m2 x163 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e3 wf5 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsa7 wsc9\">EUR<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44e3 w129 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e3 w234 hdb\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">5,00 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44e3 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2033<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44e3 w1e5 hdb\"><div class=\"t m2 x20f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">2028<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e3 w1e6 hdb\"><div class=\"t m2 x1ab hcc y1dae ff2f6 fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">914</span> </div></td></tr><tr><td></td><td class=\"c x400 y44e4 w235 hda\"><div class=\"t m2 x163 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e4 wf5 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">JPY </div></td><td class=\"c x55c y44e4 w129 hda\"><div class=\"t m2 x20a hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">19<span class=\"ls0 ws0\"> </span>500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e4 w234 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">1,70 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44e4 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2035<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44e4 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e4 w1e6 hda\"><div class=\"t m2 x1ab hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">253</span> </div></td></tr><tr><td></td><td class=\"c x400 y44e5 w235 hde\"><div class=\"t m2 x163 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e5 wf5 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsa7 wsc9\">EUR<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55c y44e5 w129 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">400<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e5 w234 hde\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscd\">3,75 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55b y44e5 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2035<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x418 y44e5 w1e5 hde\"><div class=\"t m2 x20f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">2030<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e5 w1e6 hde\"><div class=\"t m2 x1ab hcc y1dc1 ff2f6 fs53 fc21 sc0 ls0 ws0\">4 <span class=\"lsab wscb\">731</span> </div></td></tr><tr><td class=\"c x400 y44e6 w235 hd9\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">Ordin\u00e6r <span class=\"_ _5\"></span>ansvarl<span class=\"_ _5\"></span>ig, n<span class=\"_ _5\"></span>ominell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x419 y44e6 w1e6 hd9\"><div class=\"t m2 x329 hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscb\">34<span class=\"ls0 ws0\"> </span>695<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y44e7 w235 hd9\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff2f6 fs53 fc21 sc0 lsab wscd\">Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x400 y44e8 w235 hda\"><div class=\"t m2 x163 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2004<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x559 y44e8 wf5 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 ls0 ws0\">JPY </div></td><td class=\"c x55c y44e8 w129 hda\"><div class=\"t m2 x20a hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">10<span class=\"ls0 ws0\"> </span>000<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55a y44e8 w234 hda\"><div class=\"t m2 x19f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscd\">4,51 % p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x418 y44e8 w1e5 hda\"><div class=\"t m2 x20f hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">2029<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x419 y44e8 w1e6 hda\"><div class=\"t m2 x1b9 hcc y1db0 ff2f6 fs53 fc21 sc0 lsab wscb\">643<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x400 y44e9 w235 hdd\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscd\">Evigva<span class=\"_ _5\"></span>rende an<span class=\"_ _5\"></span>svarl<span class=\"_ _5\"></span>ig l\u00e5ne<span class=\"_ _5\"></span>kapital<span class=\"_ _5\"></span>, nom<span class=\"_ _5\"></span>inell v<span class=\"_ _5\"></span>erdi<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x419 y44e9 w1e6 hdd\"><div class=\"t m2 x1b9 hcc y1dc1 ff2f6 fs53 fc21 sc0 lsab wscb\">643<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y3e64 w2ee h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2f7 fs53 fc21 sc0 lsab wscb\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x421 y3e64 w3e0 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff2f7 fs53 fc21 sc0 lsab wscb\"><span class=\"wscd\">Inkl<span class=\"_ _5\"></span>udert p<span class=\"_ _5\"></span>\u00e5l\u00f8pt<span class=\"_ _5\"></span>e rent<span class=\"_ _5\"></span>er, just<span class=\"_ _5\"></span>ering<span class=\"_ _5\"></span>er til v<span class=\"_ _5\"></span>irkelig<span class=\"_ _5\"></span> verdi <span class=\"_ _5\"></span>og ove<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\">-<span class=\"lsa9 wsca\">/und<span class=\"_ _1\"></span>erkurs<span class=\"_ _1c5\"> </span></span></span></span><span class=\"wscd\"><span class=\"ls0 ws0\"><span class=\"lsa9 wsca\"><span class=\"_ _1\"></span>.</span></span></span></div></td><td></td><td></td><td></td><td></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-418": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K46 Annen gjeld<span class=\"_ _1c5\"> </span></div><table class=\"s w393 h530\" id=\"_f72f3e61-3fa3-4fda-b03d-a0196d2cd3b6\"><tr><td class=\"c x45e y4413 w98 hd7\"><div class=\"t m2 x19f hd8 y1dae ff2fd fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4413 w6e hd7\"><div class=\"t m2 x20f hcc y1dae ff2fb fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4413 w6e hd7\"><div class=\"t m2 x20f hcc y1dae ff2fb fs53 fc21 sc0 lsab wscb\">31.12.<span class=\"_ _5\"></span>24<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4414 w98 hd9\"><div class=\"t m2 x19f hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscd\">Kortsikti<span class=\"_ _5\"></span>ge innl<span class=\"_ _5\"></span>\u00e5n<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4414 w6e hd9\"><div class=\"t m2 x0 hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">171<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4414 w6e hd9\"><div class=\"t m2 x0 hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">219<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4415 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">Short<span class=\"ls0 ws0\">-</span><span class=\"wscd\">p<span class=\"_ _5\"></span>osisjone<span class=\"_ _5\"></span>r tra<span class=\"_ _5\"></span>ding</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td class=\"c x45f y4415 w6e hda\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">076</span> </div></td><td class=\"c x463 y4415 w6e hda\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">759</span> </div></td></tr><tr><td class=\"c x45e y4416 w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2fb fs53 fc21 sc0 lsab wsd0\">Tidsavg<span class=\"_ _5\"></span>rense<span class=\"_ _5\"></span>de poster<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4416 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2fb fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">460</span> </div></td><td class=\"c x463 y4416 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2fb fs53 fc21 sc0 ls0 ws0\">5 <span class=\"lsab wscb\">929</span> </div></td></tr><tr><td class=\"c x45e y4417 w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2fb fs53 fc21 sc0 lsab wscd\">Rembur<span class=\"_ _5\"></span>ser, sj<span class=\"_ _5\"></span>ekker o<span class=\"_ _5\"></span>g and<span class=\"_ _5\"></span>re betal<span class=\"_ _5\"></span>ingst<span class=\"_ _5\"></span>jeneste<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4417 w6e hdb\"><div class=\"t m2 x248 hcc y1dae ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">658</span> </div></td><td class=\"c x463 y4417 w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2fb fs53 fc21 sc0 lsab wscb\">696<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4418 w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscd\">Uoppgjo<span class=\"_ _5\"></span>rte slut<span class=\"_ _5\"></span>tsedl<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4418 w6e hde\"><div class=\"t m2 x227 hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4418 w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">513</span> </div></td></tr><tr><td class=\"c x45e y4419 w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">Kontantsi<span class=\"_ _5\"></span>kker<span class=\"_ _5\"></span>het<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y4419 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">21<span class=\"ls0 ws0\"> </span>333<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y4419 w6e hda\"><div class=\"t m2 x1ba hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">46<span class=\"ls0 ws0\"> </span>080<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y441a w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2fb fs53 fc21 sc0 lsab wscb\">Levera<span class=\"_ _5\"></span>nd\u00f8rgjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y441a w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">035</span> </div></td><td class=\"c x463 y441a w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2fb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">044</span> </div></td></tr><tr><td class=\"c x45e y441b w98 hdb\"><div class=\"t m2 x19f hcc y1dae ff2fb fs53 fc21 sc0 lsab wscd\">Generel<span class=\"_ _5\"></span>l bonu<span class=\"_ _5\"></span>s til ans<span class=\"_ _5\"></span>atte<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y441b w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2fb fs53 fc21 sc0 lsab wscb\">295<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y441b w6e hdb\"><div class=\"t m2 x0 hcc y1dae ff2fb fs53 fc21 sc0 lsab wscb\">284<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y441c w98 hde\"><div class=\"t m2 x19f hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">Ikke-<span class=\"lsab wsd0\">kontr<span class=\"_ _5\"></span>olleren<span class=\"_ _5\"></span>de eierint<span class=\"_ _5\"></span>eress<span class=\"_ _5\"></span>er</span> </div></td><td class=\"c x45f y441c w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">372</span> </div></td><td class=\"c x463 y441c w6e hde\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">966</span> </div></td></tr><tr><td class=\"c x45e y441d w98 hda\"><div class=\"t m2 x19f hcc y1da9 ff2fb fs53 fc21 sc0 lsab wscb\">Leiefor<span class=\"_ _5\"></span>pliktel<span class=\"_ _5\"></span>se<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y441d w6e hda\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">546</span> </div></td><td class=\"c x463 y441d w6e hda\"><div class=\"t m2 x248 hcc y1da9 ff2fb fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">175</span> </div></td></tr><tr><td class=\"c x45e y441e w98 hdb\"><div class=\"t m2 x19f hcc y1db0 ff2fb fs53 fc21 sc0 lsab wscd\">\u00d8vrig gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y441e w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2fb fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">161</span> </div></td><td class=\"c x463 y441e w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff2fb fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">921</span> </div></td></tr><tr><td class=\"c x45e y441f w98 hd9\"><div class=\"t m2 x19f hdc y1dae ff2fc fs53 fc21 sc0 lsb3 wsf1\">Sum a<span class=\"_ _5\"></span>nnen<span class=\"_ _5\"></span> gjel<span class=\"_ _5\"></span>d<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x45f y441f w6e hd9\"><div class=\"t m2 x1ba hdc y1dae ff2fc fs53 fc21 sc0 lsab wscb\">50<span class=\"ls0 ws0\"> </span>131<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x463 y441f w6e hd9\"><div class=\"t m2 x1ba hdc y1dae ff2fc fs53 fc21 sc0 lsab wscb\">70<span class=\"ls0 ws0\"> </span>589<span class=\"ls0 ws0\"> </span></div></td></tr></table>Annen gjeld er i hovedsak kortsiktig",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-419": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs21a\">Note K47 Egenk<span class=\"_ _1\"></span>apital<span class=\"_ _1c5\"> </span></div>Aksjekapit<span class=\"_ _5\"></span>al<span class=\"ff301 ls0 ws0\"> </span>P\u00e5 den ordin\u00e6re generalfors<span class=\"_ _5\"></span>amlingen som ble avholdt 29. april 2025, ble det besluttet \u00e5 redusere aksjekapitalen ved hjelp av sletti<span class=\"_ _5\"></span>ng av egne aksjer og innl\u00f8si<span class=\"_ _5\"></span>ng av aksjer eid a<span class=\"_ _1\"></span>v st<span class=\"_ _5\"></span>aten. Slettingen av aksjene ble registrert i Foretaksregist<span class=\"_ _5\"></span>eret 25. juni 2025. Antallet utstedte aksjer ble redusert med 14 925 301 til 1 477 604 985.<span class=\"ls0 ws0\"> </span>Aksjekapit<span class=\"_ _5\"></span>alen til DNB Bank ASA per 31. desember 2025 utgjorde 18 470 062 313 <span class=\"_ _1\"></span>kroner fordelt p\u00e5 1 477 604 985 aksjer, hver p\u00e5lydende 12,50 kroner. Aksjekapit<span class=\"_ _5\"></span>alen til DNB Bank ASA per 31. desember 2024 utgjorde 18 656 628 575 <span class=\"_ _1\"></span>kroner fordelt p\u00e5 1 492<span class=\"ls0 ws0\"> </span>530 286<span class=\"ls0 ws0\"> <span class=\"lsbd ws117\">ak<span class=\"_ _5\"></span>sj<span class=\"_ _5\"></span>er<span class=\"_ _5\"></span>,<span class=\"_ _5\"></span> hve<span class=\"_ _5\"></span>r </span></span>p\u00e5lydende <span class=\"_ _5\"></span>12,50 kroner. <span class=\"ls0 ws0\"> </span>DNB Bank ASA har \u00e9n aksjeklasse, og alle aksjer har stemmerett. Aksjeeiere har rett til \u00e5 motta det til enhver ti<span class=\"_ _5\"></span>d foresl\u00e5tte<span class=\"ls0 ws0\"> </span>utbyttet og har \u00e9n stemmerett per aksje ved selskapets generalf<span class=\"_ _5\"></span>orsamling. <span class=\"ls0 ws0\"> </span>Styret har foresl<span class=\"_ _5\"></span>\u00e5tt et utbytte p\u00e5 18,00 kroner per aksje for 2025, for utbetaling fra 30. april 2026.<span class=\"ls0 ws0\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Utbytt<span class=\"_ _1\"></span>e<span class=\"ls0 ws0\"> </span>Foresl\u00e5tt utbytt<span class=\"_ _5\"></span>e inng\u00e5r som en del av egenkapitalen inntil det er besluttet p\u00e5 generalforsamli<span class=\"_ _5\"></span>ngen, fra det tidspunktet pres<span class=\"wsd2\">enteres<span class=\"_ _5\"></span> utbytte som </span>gjeld i regnskapet. Foresl<span class=\"_ _5\"></span>\u00e5tt utbytte inng\u00e5r ikke i beregningen av kapitaldek<span class=\"_ _5\"></span>ningen.<span class=\"ls0 ws0\"> </span>Egne aksje<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>P\u00e5 generalfors<span class=\"_ _5\"></span>amlingen 29. april 2025 fikk styret fullmakt til et nytt tilbakek<span class=\"_ _5\"></span>j\u00f8psprogram p\u00e5 3,5 prosent av selskapets aksje<span class=\"wsd2\">kapital. I<span class=\"_ _5\"></span> tillegg f<span class=\"_ _5\"></span>ikk </span>DNB Carnegie fullmakt til \u00e5 tilbak<span class=\"_ _5\"></span>ekj\u00f8pe 0,5 prosent for sikringsform\u00e5l. Fullmakt<span class=\"_ _5\"></span>en gjelder fram til generalforsamlingen i 2026.<span class=\"ls0 ws0\"> </span>Ett tilbakekj<span class=\"_ _5\"></span>\u00f8psprogram p\u00e5 1,0 prosent ble startet 17. juni og fullf\u00f8rt 26. september, og et nytt program p\u00e5 1,0 prosent ble igangsatt 22. oktober. Totalt 16 630 562 aksjer ble kj\u00f8pt tilbake i markedet under disse to programmene fram til \u00e5rssl<span class=\"_ _5\"></span>utt 2025. I tillegg vil en andel av den norske statens beholdning bli innl<span class=\"_ _5\"></span>\u00f8st etter generalforsamlingen i 2026, slik at t<span class=\"_ _5\"></span>otalt antall tilbakekj\u00f8pte aksjer ved \u00e5rets utgang v<span class=\"_ _5\"></span>ar 25 197 821 aksjer, tilsvarende 1,<span class=\"_ _5\"></span>7 prosent.<span class=\"_ _1c5\"> </span><div class=\"c w73 h153 gs21c\"><div class=\"t m2 x20e h12e y3217 ff307 fs5a fc21 sc0 lsba ws101\">Hybridkapi<span class=\"_ _1\"></span>tal<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h12e y3218 ff307 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y3219 ff307 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y321a ff307 fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h183 y321b ff309 fs55 fc21 sc0 lsaf wsf6\">Finansiel<span class=\"_ _5\"></span>le instrumenter med egenskaper som egenkapital<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y321c ff308 fs55 fc21 sc0 lsaf wsf6\">Utstedte hybridk<span class=\"_ _5\"></span>apitalinstrumenter i kons<span class=\"_ _5\"></span>ernet er instrumenter der DNB har en ensidig rett til ikke \u00e5 betale tilbake renter eller hovedstolen til </div><div class=\"t m2 x20e hcf y2623 ff308 fs55 fc21 sc0 lsaf wsf6\">investorene.<span class=\"_ _5\"></span> Som f\u00f8lge av disse vilk\u00e5rene tilfredsstiller ikke inst<span class=\"_ _5\"></span>rumentene kravene til forpliktelse og innr<span class=\"wsd2\">egnes <span class=\"_ _5\"></span>i kon</span>sernets egenkapi<span class=\"_ _5\"></span>tal p\u00e5 linjen </div><div class=\"t m2 x20e hcf y2624 ff308 fs55 fc21 sc0 lsaf wsd2\">\u00abHybridkapi<span class=\"_ _5\"></span>tal\u00bb. Transaks<span class=\"_ _5\"></span>jons<span class=\"lsc5 ws130\">kost</span><span class=\"wsf6\">nader og renter presenteres som en reduksjon i \u00abAnnen egenkapital\u00bb.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e he2 y321d ff308 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y321e ff308 fs55 fc21 sc0 lsaf wsf6\">Egenkapit<span class=\"_ _5\"></span>al i utenlandsk valuta omregnes til norske kroner med kursen fra transaksjons<span class=\"_ _5\"></span>datoen og er ikke gjenstand for senere <span class=\"wscf\">revaluering. </span></div><div class=\"t m2 x20e hcf y321f ff308 fs55 fc21 sc0 lsaf wsf6\">Hybridkapital<span class=\"_ _5\"></span> i utenlandsk valuta er dermed kun revaluert ved innl\u00f8sning.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e h12e y3220 ff307 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e h12e y3221 ff307 fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3222 ff308 fs55 fc21 sc0 lsaf wsf6\">Hybridkapital<span class=\"_ _5\"></span>en er utstedt av DNB Bank ASA. To hybridkapitalinstrumenter bl<span class=\"_ _5\"></span>e utstedt i 2025, p\u00e5lydende til sammen 1<span class=\"ls0 ws0\"> </span><span class=\"wsd2\">850 millioner k<span class=\"_ _5\"></span>roner.<span class=\"ls0 ws0\"> </span><span class=\"wscf\">To </span></span></div><div class=\"t m2 x20e hcf y3223 ff308 fs55 fc21 sc0 lsaf wsf6\">hybridkapital<span class=\"_ _5\"></span>instrumenter ble innl\u00f8st i 2025, p\u00e5lydende til sammen 400 millioner kroner.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y3224 ff308 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs21d\"><table class=\"s w3e1 h531\" id=\"_0fae16dc-6181-42fd-87f8-53907388a168\"><tr><td></td><td></td><td class=\"c x3db y44ea w245 hd7\"><div class=\"t m2 x4d hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">Balans<span class=\"_ _5\"></span>ef\u00f8rt <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td class=\"c x55d y44ea w248 hd7\"><div class=\"t m2 x6 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">Balans<span class=\"_ _5\"></span>ef\u00f8rt ve<span class=\"_ _5\"></span>rdi <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44eb w129 hd7\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">Opptaks<span class=\"_ _5\"></span>\u00e5r<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x55e y44eb w236 hd7\"><div class=\"t m2 x44 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">verdi i v<span class=\"_ _5\"></span>aluta<span class=\"_ _5\"></span> <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44eb w246 hd7\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">Rentesat<span class=\"_ _5\"></span>s<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x560 y44eb w24a hd7\"><div class=\"t m2 x19a hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">i norske <span class=\"_ _5\"></span>krone<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ec w129 h165\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ec w24b h165\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ec w171 h165\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">100<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44ec w24c h165\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 2,<span class=\"_ _5\"></span>60 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x560 y44ec w24a h165\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">100<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ed w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ed w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ed w171 hde\"><div class=\"t m2 x44 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">750</span> </div></td><td class=\"c x55f y44ed w24c hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>75 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x560 y44ed w24a hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">750</span> </div></td></tr><tr><td class=\"c x3db y44ee w129 hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ee w24b hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ee w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44ee w24c hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">6,72 % p.<span class=\"_ _5\"></span>a. til<span class=\"_ _5\"></span> 18. f<span class=\"_ _5\"></span>ebruar 2<span class=\"_ _5\"></span>028, <span class=\"_ _5\"></span>derette<span class=\"_ _5\"></span>r 3<span class=\"ls0 ws0\">-</span>mnd N<span class=\"_ _5\"></span>IBOR +<span class=\"_ _5\"></span> 3,<span class=\"_ _5\"></span>75%<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x560 y44ee w24a hdb\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">500<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44ef w129 hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44ef w24b hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44ef w171 hda\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">600<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44ef w24c hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 4,<span class=\"_ _5\"></span>00 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td></td><td class=\"c x560 y44ef w24a hda\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">600<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f0 w129 hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2022<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f0 w24b hdb\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f0 w171 hdb\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">950<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x562 y44f1 w3e2 h532\" colspan=\"2\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">7,75% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>4. mai<span class=\"_ _1c5\"> </span></div></td><td class=\"c x563 y44f1 w3e3 h532\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">2028,<span class=\"_ _1c5\"> </span></div></td><td class=\"c x564 y44f1 w3e4 h532\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">derette<span class=\"_ _5\"></span>r 3<span class=\"ls0 ws0\">-</span>mnd NI<span class=\"_ _5\"></span>BOR +<span class=\"_ _5\"></span> 4,00 %<span class=\"_ _1c5\"> </span></div></td><td class=\"c x560 y44f0 w24a hdb\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">950<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f2 w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f2 w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f2 w171 hde\"><div class=\"t m2 x44 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">300</span> </div></td><td class=\"c x55f y44f2 w24c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>50 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f2 w24a hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">300</span> </div></td></tr><tr><td class=\"c x3db y44f3 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f3 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f3 w171 hdb\"><div class=\"t m2 x44 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x55f y44f3 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>50 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f3 w24a hdb\"><div class=\"t m2 x20c hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">961<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f4 w129 hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f4 w24b hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f4 w171 hda\"><div class=\"t m2 x1e4 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">850<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44f4 w24c hda\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">6,89% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>14. mars<span class=\"_ _5\"></span> 2029<span class=\"_ _5\"></span>, der<span class=\"_ _5\"></span>etter <span class=\"_ _5\"></span>3<span class=\"ls0 ws0\">-</span>mnd ST<span class=\"_ _5\"></span>IBOR<span class=\"_ _5\"></span> + 3,50%<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x560 y44f4 w24a hda\"><div class=\"t m2 x20c hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">817<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f5 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f5 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f5 w171 hdb\"><div class=\"t m2 x44 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x55f y44f5 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>50 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f5 w24a hdb\"><div class=\"t m2 x1b9 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td></tr><tr><td class=\"c x3db y44f6 w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2023<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f6 w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f6 w171 hde\"><div class=\"t m2 x1e4 hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">650<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44f6 w24c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscd\">7,69% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>14. mars<span class=\"_ _5\"></span> 2029<span class=\"_ _5\"></span>, der<span class=\"_ _5\"></span>etter <span class=\"_ _5\"></span>3<span class=\"ls0 ws0\">-</span>mnd NIB<span class=\"_ _5\"></span>OR + <span class=\"_ _5\"></span>3,50%<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x560 y44f6 w24a hde\"><div class=\"t m2 x20c hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">650<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44f7 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f7 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f7 w171 hdb\"><div class=\"t m2 x44 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">100</span> </div></td><td class=\"c x55f y44f7 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd ST<span class=\"_ _5\"></span>IBOR + <span class=\"_ _5\"></span>3,10 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44f7 w24a hdb\"><div class=\"t m2 x1b9 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">124</span> </div></td></tr><tr><td class=\"c x3db y44f8 w129 hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f8 w24b hda\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsa8 ws99\">SEK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f8 w171 hda\"><div class=\"t m2 x44 hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">000</span> </div></td><td class=\"c x55f y44f8 w24c hda\" colspan=\"2\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wsd0\">5,89 % p.a.til 27<span class=\"_ _5\"></span>. august 202<span class=\"_ _5\"></span>9. deret<span class=\"_ _5\"></span>ter 3<span class=\"ls0 ws0\">-</span><span class=\"wscd\">mnd<span class=\"_ _5\"></span> STIB<span class=\"_ _5\"></span>OR + 3,1<span class=\"_ _5\"></span>0%</span><span class=\"wscd\"><span class=\"ls0 ws0\"> </span></span></div></td><td></td><td class=\"c x560 y44f8 w24a hda\"><div class=\"t m2 x1b9 hcc y1db0 ff308 fs53 fc21 sc0 ls0 ws0\">2 <span class=\"lsab wscb\">044</span> </div></td></tr><tr><td class=\"c x3db y44f9 w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44f9 w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsa7 wsc9\">USD<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44f9 w171 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">700<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55f y44f9 w24c hdb\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscd\">7,38% p.<span class=\"_ _5\"></span>a.<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x560 y44f9 w24a hdb\"><div class=\"t m2 x1b9 hcc y1dae ff308 fs53 fc21 sc0 ls0 ws0\">7 <span class=\"lsab wscb\">383</span> </div></td></tr><tr><td class=\"c x3db y44fa w129 hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44fa w24b hde\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44fa w171 hde\"><div class=\"t m2 x44 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">600</span> </div></td><td class=\"c x55f y44fa w24c hde\" colspan=\"2\"><div class=\"t m2 x19f hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">3-<span class=\"lsab wscd\">mnd NIB<span class=\"_ _5\"></span>OR + 3,<span class=\"_ _5\"></span>25 %</span><span class=\"lsab wscd\"><span class=\"_ _5\"></span></span> </div></td><td></td><td class=\"c x560 y44fa w24a hde\"><div class=\"t m2 x1b9 hcc y1dc1 ff308 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">600</span> </div></td></tr><tr><td class=\"c x3db y44fb w129 hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x55e y44fb w24b hdb\"><div class=\"t m2 x19f hcc y1dae ff308 fs53 fc21 sc0 lsaa wscd\">NOK<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x561 y44fb w171 hdb\"><div class=\"t m2 x1e4 hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">250<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x562 y44fc w3e2 h533\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">6,11% p.<span class=\"_ _5\"></span>a. til <span class=\"_ _5\"></span>5. mai<span class=\"_ _1c5\"> </span></div></td><td class=\"c x563 y44fc w3e3 h533\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">2031,<span class=\"_ _1c5\"> </span></div></td><td class=\"c x564 y44fc w3e5 h533\"><div class=\"t m2 x3f4 hcc y3e5d ff308 fs53 fc21 sc0 lsab wscd\">derette<span class=\"_ _5\"></span>r 3<span class=\"ls0 ws0\">-</span>mnd NI<span class=\"_ _5\"></span>BOR +<span class=\"_ _5\"></span> 3,25%<span class=\"_ _1c5\"> </span></div></td><td class=\"c x560 y44fb w24a hdb\"><div class=\"t m2 x20c hcc y1dae ff308 fs53 fc21 sc0 lsab wscb\">250<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y44fd w245 hdd\"><div class=\"t m2 x19f hcc y1db0 ff308 fs53 fc21 sc0 lsab wscd\">Sum, nom<span class=\"_ _5\"></span>inell<span class=\"_ _5\"></span> verdi<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x560 y44fd w24a hdd\"><div class=\"t m2 x1a5 hcc y1db0 ff308 fs53 fc21 sc0 lsab wscb\">23<span class=\"ls0 ws0\"> </span>130<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h153 gs21c\"><div class=\"t m2 x20e hcf y3229 ff308 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y322a ff308 fs55 fc21 sc0 lsaf wsf6\">For ytterli<span class=\"_ _5\"></span>gere informasjon om utstedt og innfridd hybridkapi<span class=\"_ _5\"></span>tal, se K <span class=\"_ _1\"></span><span class=\"wscf\">\u2013 <span class=\"wsf6\">Endri<span class=\"_ _5\"></span>ng i egenkapital.<span class=\"_ _1c5\"> </span></span></span><span class=\"wscf\"><span class=\"wsf6\"><span class=\"ls0 ws0\"> </span></span></span></div><div class=\"t m2 x20e hcf y322b ff308 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y322c ff308 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y322d ff308 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xfa hd6 y322e ff307 fs5 fc21 sc0 ls0 ws0\"> </div></div>Netto valu<span class=\"_ _5\"></span>taomr<span class=\"_ _5\"></span>egningsr<span class=\"_ _5\"></span>eserve<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>Tabellen nedenfor viser en spesifik<span class=\"_ _5\"></span>asjon av netto valutaomregningsreserve.<span class=\"ls0 ws0\"> </span>Netto<span class=\"ls0 ws0\"> </span>Netto valuta<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span>Valutakurs<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>investerings<span class=\"_ _1\"></span><span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span>omregnings<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\">  </span>Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span>reserve sikringsreserve Skatt<span class=\"ls0 ws0\"> </span>reserve <span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e per 31. desem<span class=\"_ _5\"></span>ber 2023<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>18<span class=\"ls0 ws0\"> </span>959<span class=\"ls0 ws0\"> </span>(15<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">590</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>3 <span class=\"lsab wscb\">898</span> 7 <span class=\"lsab wscb\">266</span> Valutaom<span class=\"_ _5\"></span>regni<span class=\"_ _5\"></span>ng av <span class=\"_ _5\"></span>utenlan<span class=\"_ _5\"></span>dsk vi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet og s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>g av ne<span class=\"_ _5\"></span>ttoinve<span class=\"_ _5\"></span>stering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>7 <span class=\"lsab wscb\">150</span> (5<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">686</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>1 <span class=\"lsab wscb\">465</span> Skatt p\u00e5 s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>1 <span class=\"lsab wscb\">421</span> 1 <span class=\"lsab wscb\">421</span> Reklassi<span class=\"_ _5\"></span>fisert t<span class=\"_ _5\"></span>il res<span class=\"_ _5\"></span>ultatr<span class=\"_ _5\"></span>egnska<span class=\"_ _5\"></span>pet ve<span class=\"_ _5\"></span>d avvi<span class=\"_ _5\"></span>kling <span class=\"_ _5\"></span>av ute<span class=\"_ _5\"></span>nlandsk <span class=\"_ _5\"></span>virks<span class=\"_ _5\"></span>omhet<span class=\"ls0 ws0\"> </span>(29)<span class=\"ls0 ws0\"> </span>(29)<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e per 31. desem<span class=\"_ _5\"></span>ber 2024<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>26<span class=\"ls0 ws0\"> </span>080<span class=\"ls0 ws0\"> </span>(21<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">276</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>5 <span class=\"lsab wscb\">319</span> 10<span class=\"ls0 ws0\"> </span>123<span class=\"ls0 ws0\"> </span>Valutaom<span class=\"_ _5\"></span>regni<span class=\"_ _5\"></span>ng av <span class=\"_ _5\"></span>utenlan<span class=\"_ _5\"></span>dsk vi<span class=\"_ _5\"></span>rkso<span class=\"_ _5\"></span>mhet og s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>g av ne<span class=\"_ _5\"></span>ttoinve<span class=\"_ _5\"></span>stering<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>(3<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">354</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>2 <span class=\"lsab wscb\">474</span> (880)<span class=\"ls0 ws0\"> </span>Skatt p\u00e5 s<span class=\"_ _5\"></span>ikrin<span class=\"_ _5\"></span>gsins<span class=\"_ _5\"></span>trument<span class=\"_ _5\"></span>er<span class=\"ls0 ws0\"> </span>(618)<span class=\"ls0 ws0\"> </span>(618)<span class=\"ls0 ws0\"> </span>Reklassi<span class=\"_ _5\"></span>fisert t<span class=\"_ _5\"></span>il res<span class=\"_ _5\"></span>ultatr<span class=\"_ _5\"></span>egnska<span class=\"_ _5\"></span>pet ve<span class=\"_ _5\"></span>d avvi<span class=\"_ _5\"></span>kling <span class=\"_ _5\"></span>av ute<span class=\"_ _5\"></span>nlandsk <span class=\"_ _5\"></span>virks<span class=\"_ _5\"></span>omhet<span class=\"ls0 ws0\"> </span>(1)<span class=\"ls0 ws0\"> </span>(1)<span class=\"ls0 ws0\"> </span>Balans<span class=\"_ _5\"></span>e per 31. desem<span class=\"_ _5\"></span>ber 2025<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span>22<span class=\"ls0 ws0\"> </span>725<span class=\"ls0 ws0\"> </span>(18<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">802</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span>4 <span class=\"lsab wscb\">701</span> 8 <span class=\"lsab wscb\">624</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-450": {
   "value": "Styret har foresl<span class=\"_ _5\"></span>\u00e5tt et utbytte p\u00e5 18,00 kroner per aksje for 2025, for utbetaling fra 30. april 2026.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-26": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Utbytt<span class=\"_ _1\"></span>e<span class=\"ls0 ws0\"> </span>Foresl\u00e5tt utbytt<span class=\"_ _5\"></span>e inng\u00e5r som en del av egenkapitalen inntil det er besluttet p\u00e5 generalforsamli<span class=\"_ _5\"></span>ngen, fra det tidspunktet pres<span class=\"wsd2\">enteres<span class=\"_ _5\"></span> utbytte som </span>gjeld i regnskapet. Foresl<span class=\"_ _5\"></span>\u00e5tt utbytte inng\u00e5r ikke i beregningen av kapitaldek<span class=\"_ _5\"></span>ningen",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-443": {
   "value": "Egne aksje<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span>P\u00e5 generalfors<span class=\"_ _5\"></span>amlingen 29. april 2025 fikk styret fullmakt til et nytt tilbakek<span class=\"_ _5\"></span>j\u00f8psprogram p\u00e5 3,5 prosent av selskapets aksje<span class=\"wsd2\">kapital. I<span class=\"_ _5\"></span> tillegg f<span class=\"_ _5\"></span>ikk </span>DNB Carnegie fullmakt til \u00e5 tilbak<span class=\"_ _5\"></span>ekj\u00f8pe 0,5 prosent for sikringsform\u00e5l. Fullmakt<span class=\"_ _5\"></span>en gjelder fram til generalforsamlingen i 2026.<span class=\"ls0 ws0\"> </span>Ett tilbakekj<span class=\"_ _5\"></span>\u00f8psprogram p\u00e5 1,0 prosent ble startet 17. juni og fullf\u00f8rt 26. september, og et nytt program p\u00e5 1,0 prosent ble igangsatt 22. oktober. Totalt 16 630 562 aksjer ble kj\u00f8pt tilbake i markedet under disse to programmene fram til \u00e5rssl<span class=\"_ _5\"></span>utt 2025. I tillegg vil en andel av den norske statens beholdning bli innl<span class=\"_ _5\"></span>\u00f8st etter generalforsamlingen i 2026, slik at t<span class=\"_ _5\"></span>otalt antall tilbakekj\u00f8pte aksjer ved \u00e5rets utgang v<span class=\"_ _5\"></span>ar 25 197 821 aksjer, tilsvarende 1,<span class=\"_ _5\"></span>7 prosent.<span class=\"_ _1c5\"> </span> <span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-451": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs21f\">Note K48 Godtgj\u00f8r<span class=\"_ _1\"></span>elser og liknende<span class=\"_ _1c5\"> </span></div><div class=\"c w111 h2aa gs221\"><div class=\"t m2 x248 hcf y3235 ff313 fs55 fc21 sc0 lsaf wsf6\">Tabellen under viser godtgj\u00f8<span class=\"_ _5\"></span>relser til konsernledels<span class=\"_ _5\"></span>en og styret ved <span class=\"_ _1\"></span>\u00e5rss<span class=\"_ _5\"></span>lutt 202<span class=\"ls0 ws0\">5</span>. Tabellen er satt opp slik at de viser rettigheter opptjent i l\u00f8pet </div><div class=\"t m2 x248 hcf y3236 ff313 fs55 fc21 sc0 lsaf wsf6\">av perioden. Godtgj\u00f8<span class=\"_ _5\"></span>relser til konsernledelsen har i 202<span class=\"ls0 ws0\">5 </span>v\u00e6rt gjennomf\u00f8rt i tr\u00e5d med DNBs retningslinjer for godt<span class=\"_ _5\"></span>gj\u00f8relser til ledende personer, </div><div class=\"t m2 x248 hcf y3237 ff313 fs55 fc21 sc0 lsaf wsf6\">som ble vedtatt p\u00e5 generalforsamlingen i 202<span class=\"ls0 ws0\">4</span>,<span class=\"_ _5\"></span> og er publisert p\u00e5 dnb.no. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2633 ff313 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y3238 ff313 fs55 fc21 sc0 lsaf wsf6\">I henhold til allmennaks<span class=\"_ _5\"></span>jeloven \u00a7 6<span class=\"ls0 ws0\">-</span>16 (b) (2) og forskrift om retningslinjer og rapport om godtgj\u00f8relse for ledende personer, vil DNB publisere en </div><div class=\"t m2 x248 hcf y3239 ff313 fs55 fc21 sc0 lsaf wsf6\">separat lederl<span class=\"_ _5\"></span>\u00f8nnsrapport for framleggelse p\u00e5 generalf<span class=\"_ _5\"></span>orsamlingen 2<span class=\"ls0 ws0\">1</span>. april 202<span class=\"ls0 ws0\">6</span>. I tillegg til detaljert informas<span class=\"_ _5\"></span>jon om utbetalt og innest\u00e5ende </div><div class=\"t m2 x248 hcf y323a ff313 fs55 fc21 sc0 lsaf wsf6\">godtgj\u00f8rels<span class=\"_ _5\"></span>er til ledende personer for regnskaps\u00e5ret 202<span class=\"ls0 ws0\">5</span>, vil lederl\u00f8nnsrapport<span class=\"_ _5\"></span>en inneholde oversikt over prestas<span class=\"_ _5\"></span>jonsm\u00e5l som danner grunnlag </div><div class=\"t m2 x248 hcf y323b ff313 fs55 fc21 sc0 lsaf wsf6\">for variabl<span class=\"_ _5\"></span>e godtgj\u00f8relser<span class=\"lsc4 ws115\">, </span><span class=\"wscf\">noe </span>som ogs\u00e5 er beskrevet i delkapitt<span class=\"_ _5\"></span>elet ESRS 2 Generelle opplysninger i \u00c5rsberetni<span class=\"_ _5\"></span>ng <span class=\"ls0 ws0\">- </span><span class=\"wscf\">B\u00e6rekraftsrapport. </span></div><div class=\"t m2 x248 hcf y323c ff313 fs55 fc21 sc0 lsaf wsf6\">Aksjebeholdni<span class=\"_ _5\"></span>nger og tildelte aksjer vil ogs\u00e5 framkomme i lederl\u00f8nnsrapporten.<span class=\"_ _5\"></span>  <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y323d ff313 fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _1b5\"> </span> </div></div><div class=\"c w260 h139 gs223\"><div class=\"t m2 x19f hd1 y1fa6 ff319 fs55 fc21 sc0 lsae ws13c\">Godtgj\u00f8relser<span class=\"_ _1\"></span> og liknende i 2025<span class=\"ls0 ws0\"> </span></div></div><div class=\"gs224\"><table class=\"s w3e7 h535\" id=\"_9811e11a-b2fd-472b-b0a7-21cb8b6e01a5\"><tr><td></td><td></td><td></td><td></td><td class=\"c x569 y450c w262 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Kontant<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y450c w263 hd7\"><div class=\"t m2 x19f h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Aksjebasert<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x569 y450d w262 hd7\"><div class=\"t m2 x19a h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">basert kort<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y450d w263 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">langtids<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x528 y450d w263 hd7\"><div class=\"t m2 x163 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Natural<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x569 y450e w262 hd7\"><div class=\"t m2 x19a h125 y1ffd ff31a fs16 fc21 sc0 ls14 ws14\">tidsinsentiv</div><div class=\"t m2 x19e h125 y3255 ff31a fs16 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x56a y450e w263 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">insentiv<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56b y450e w262 hd7\"><div class=\"t m2 xb3 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Fastl\u00f8nns<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y450e w263 hd7\"><div class=\"t m2 x20a h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">ytelser </div></td><td class=\"c x56c y450e w262 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Opptjent<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y450e w261 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Totale<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4a1 y450f w264 hd7\"><div class=\"t m2 x1e5 h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">Fast </div></td><td class=\"c x56e y450f w264 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Utbetalt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y450f w261 hd7\"><div class=\"t m2 x242 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">Utbetalt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x569 y450f w262 hd7\"><div class=\"t m2 x242 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">ordning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y450f w263 hd7\"><div class=\"t m2 x242 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">ordning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56b y450f w262 hd7\"><div class=\"t m2 x267 h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">aksjer </div></td><td class=\"c x528 y450f w263 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">og andre<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y450f w262 hd7\"><div class=\"t m2 x28d h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">pensjons<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y450f w261 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">godt<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x4a1 y4510 w264 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">\u00e5rsl\u00f8nn<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56e y4510 w264 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">honorar<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a3 y4510 w261 hd7\"><div class=\"t m2 x4f h125 y1fa8 ff31a fs16 fc21 sc0 lsb5 wsf7\">l\u00f8nn<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x569 y4510 w262 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff31a fs16 fc21 sc0 ls3b wsfb\">(STI)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y4510 w263 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff31a fs16 fc21 sc0 lsc7 wsfa\">(LTI)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56b y4510 w262 hd7\"><div class=\"t m2 x163 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">opptjent<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y4510 w263 hd7\"><div class=\"t m2 x20a h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">ytelser </div></td><td class=\"c x56c y4510 w262 hd7\"><div class=\"t m2 x163 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">kostnad<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y4510 w261 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff31a fs16 fc21 sc0 lsb5 wsf7\">gj\u00f8relser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4510 w262 hd7\"><div class=\"t m2 xda h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">Utl\u00e5n per<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4511 w10c hd7\"><div class=\"t m2 x19f h13c y1fa8 ff31b fs16 fc21 sc0 ls14 wsfa\">Bel\u00f8p i tusen k<span class=\"_ _1\"></span>roner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4511 w264 hd7\"><div class=\"t m2 x19a h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">31.12.25<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56e y4511 w264 hd7\"><div class=\"t m2 x266 h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\"> <span class=\"ls14 wsfa\">i 2025</span> </div></td><td class=\"c x571 y4512 w3e8 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025</div><div class=\"t m2 x570 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">1</div></td><td class=\"c x573 y4512 w3e9 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025</div><div class=\"t m2 x572 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">2</div></td><td class=\"c x575 y4512 w3ea h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025</div><div class=\"t m2 x574 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">3</div></td><td class=\"c x577 y4512 w3eb h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025</div><div class=\"t m2 x576 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x528 y4511 w263 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x579 y4512 w3ec h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025</div><div class=\"t m2 x578 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">5<span class=\"_ _1c5\"> </span></div></td><td class=\"c x56d y4511 w261 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">i 2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x57b y4512 w3ed h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 ws14\">31.12.25</div><div class=\"t m2 x57a h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">6<span class=\"_ _1c5\"> </span></div></td></tr><tr><td class=\"c x3fc y4513 w10c hd9\"><div class=\"t m2 x19f h2ab y1fbe ff319 fs16 fc21 sc0 lsb5 ws27\">Styret i DNB Bank ASA<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4514 w3ee h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 ws11b\">Olaug Svarva (leder)</div><div class=\"t m2 x57c h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">7<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4515 w264 hde\"><div class=\"t m2 x210 h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">323</span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4515 w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">323</span> </div></td><td class=\"c x56f y4515 w262 hde\"><div class=\"t m2 x209 h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">21<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4516 w3ef h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Jens Petter Olse<span class=\"_ _1\"></span>n (nestleder)</div><div class=\"t m2 x57d h137 y3e98 ff31a fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4517 w264 hda\"><div class=\"t m2 x210 h125 y2433 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">129</span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4517 w261 hda\"><div class=\"t m2 x1bc h125 y2433 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">129</span> </div></td><td class=\"c x56f y4517 w262 hda\"><div class=\"t m2 x19b h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">103<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4518 w3f0 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Gro Bakstad</div><div class=\"t m2 x57e h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4519 w264 hdb\"><div class=\"t m2 x20a h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">738<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4519 w261 hdb\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">738<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y451a w3f1 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Berit Behring (<span class=\"_ _1\"></span>fra 29.04.25)</div><div class=\"t m2 x57f h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y451b w264 hdb\"><div class=\"t m2 x20a h125 y1fbe ff31a fs16 fc21 sc0 ls14 ws14\">658<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y451b w261 hdb\"><div class=\"t m2 x19b h125 y1fbe ff31a fs16 fc21 sc0 ls14 ws14\">658<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y451c w3ee h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 lsc7 wsfa\">Petter<span class=\"ls0 ws0\">-</span><span class=\"ls14\">B\u00f8rre Furbe<span class=\"_ _1\"></span>rg</span></div><div class=\"t m2 x57c h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">7<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y451d w264 hde\"><div class=\"t m2 x20a h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">549<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y451d w261 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">549<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y451d w262 hde\"><div class=\"t m2 x209 h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y451e w3f2 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 lsb5 ws27\">Lillian Hattre<span class=\"_ _5\"></span>m</div><div class=\"t m2 x580 h137 y3e98 ff31a fs5b fc21 sc0 lsd7 ws134\">7, 8, 9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y451f w264 hda\"><div class=\"t m2 x20a h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">705<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y451f w261 hda\"><div class=\"t m2 x19b h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">705<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y451f w262 hda\"><div class=\"t m2 x1bc h125 y2433 ff31a fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">331</span> </div></td></tr><tr><td class=\"c x3f6 y4520 w3f3 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Vivian Lund (f<span class=\"_ _1\"></span>ra 29.04.25)</div><div class=\"t m2 x581 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4521 w264 hdb\"><div class=\"t m2 x20a h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">658<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4521 w261 hdb\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">658<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4522 w3f4 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Haakon Christo<span class=\"_ _1\"></span>pher Sandven</div><div class=\"t m2 x582 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4523 w264 hdb\"><div class=\"t m2 x20a h125 y1fbe ff31a fs16 fc21 sc0 ls14 ws14\">488<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4523 w261 hdb\"><div class=\"t m2 x19b h125 y1fbe ff31a fs16 fc21 sc0 ls14 ws14\">488<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4523 w262 hdb\"><div class=\"t m2 x1e5 h125 y1fbe ff31a fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span>704<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4524 w3f5 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Eli Solhaug</div><div class=\"t m2 x583 h137 y3e84 ff31a fs5b fc21 sc0 ls0 ws0\">9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4525 w264 hde\"><div class=\"t m2 x20a h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">488<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4525 w261 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">488<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4525 w262 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">357</span> </div></td></tr><tr><td class=\"c x3f6 y4526 w3f6 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31a fs16 fc21 sc0 ls14 wsfa\">Kim Wahl</div><div class=\"t m2 x584 h137 y3e98 ff31a fs5b fc21 sc0 ls0 ws0\">7<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x56e y4527 w264 hda\"><div class=\"t m2 x20a h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">549<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4527 w261 hda\"><div class=\"t m2 x19b h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">549<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4527 w262 hda\"><div class=\"t m2 x19b h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">117<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4528 w10c hdb\"><div class=\"t m2 x19f h2ab y1fbe ff319 fs16 fc21 sc0 ls14 ws14\">Konsernledels<span class=\"_ _1\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3fc y4529 w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">Kjerstin R. B<span class=\"_ _1\"></span>raathen, CEO<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4529 w264 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">955</span> </div></td><td></td><td class=\"c x4a3 y4529 w261 hda\"><div class=\"t m2 x1e5 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">10<span class=\"ls0 ws0\"> </span>225<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x569 y4529 w262 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">668</span> </div></td><td class=\"c x56a y4529 w263 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">503</span> </div></td><td class=\"c x56b y4529 w262 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">987</span> </div></td><td class=\"c x528 y4529 w263 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">343<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4529 w262 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">016</span> </div></td><td class=\"c x56d y4529 w261 hda\"><div class=\"t m2 x1e5 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span>742<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4529 w262 hda\"><div class=\"t m2 x1e5 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">11<span class=\"ls0 ws0\"> </span>361<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y452a w10c hde\"><div class=\"t m2 x19f h125 y2433 ff31a fs16 fc21 sc0 ls14 wsfa\">Ida Lerner, C<span class=\"_ _1\"></span>FO (til 23.10.25)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x4a3 y452a w261 hde\"><div class=\"t m2 x1bc h125 y2433 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">976</span> </div></td><td></td><td></td><td class=\"c x56b y452a w262 hde\"><div class=\"t m2 x19b h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">476<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y452a w263 hde\"><div class=\"t m2 x209 h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">91<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y452a w262 hde\"><div class=\"t m2 x19b h125 y2433 ff31a fs16 fc21 sc0 ls14 ws14\">128<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y452a w261 hde\"><div class=\"t m2 x1bc h125 y2433 ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">672</span> </div></td><td></td></tr><tr><td class=\"c x3fc y452b w10c h135\"><div class=\"t m2 x19f h125 y1fbc ff31a fs16 fc21 sc0 ls14 wsfa\">Rasmus T. Figensch<span class=\"_ _1\"></span>ou, CFO (fra 24.1<span class=\"_ _1\"></span>0.25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y452b w264 h135\"><div class=\"t m2 x210 h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">030</span> </div></td><td></td><td class=\"c x4a3 y452b w261 h135\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">193</span> </div></td><td class=\"c x569 y452b w262 h135\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">880<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y452b w263 h135\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">321</span> </div></td><td class=\"c x56b y452b w262 h135\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">196<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x528 y452b w263 h135\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">256<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y452b w262 h135\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">158<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y452b w261 h135\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">004</span> </div></td><td class=\"c x56f y452b w262 h135\"><div class=\"t m2 x1e5 h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">30<span class=\"ls0 ws0\"> </span>029<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y452c w10c h1eb\"><div class=\"t m2 x19f h125 y1fb0 ff31a fs16 fc21 sc0 ls14 wsfa\">Fredrik Berger<span class=\"_ _1\"></span>, konserndirekt\u00f8r <span class=\"_ _1\"></span>(CCO)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y452c w264 h1eb\"><div class=\"t m2 x210 h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">820</span> </div></td><td></td><td class=\"c x4a3 y452c w261 h1eb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">903</span> </div></td><td class=\"c x569 y452c w262 h1eb\"><div class=\"t m2 x209 h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">37<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x528 y452c w263 h1eb\"><div class=\"t m2 x19b h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">142<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y452c w262 h1eb\"><div class=\"t m2 x19b h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">158<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y452c w261 h1eb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">239</span> </div></td><td class=\"c x56f y452c w262 h1eb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">015</span> </div></td></tr><tr><td class=\"c x3fc y452d w10c hde\"><div class=\"t m2 x19f h125 y1fbc ff31a fs16 fc21 sc0 ls14 wsfa\">H\u00e5kon Hansen, k<span class=\"_ _1\"></span>onserndirekt\u00f8r<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y452d w264 hde\"><div class=\"t m2 x210 h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">841</span> </div></td><td></td><td class=\"c x4a3 y452d w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">996</span> </div></td><td class=\"c x569 y452d w262 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">748<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y452d w263 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">121</span> </div></td><td></td><td class=\"c x528 y452d w263 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">156<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y452d w262 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">340<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y452d w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">361</span> </div></td><td class=\"c x56f y452d w262 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">668</span> </div></td></tr><tr><td class=\"c x3fc y452e w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31a fs16 fc21 sc0 ls14 wsfa\">Maria Ervik L<span class=\"_ _1\"></span>\u00f8vold, konserndirekt\u00f8<span class=\"_ _1\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y452e w264 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">833</span> </div></td><td></td><td class=\"c x4a3 y452e w261 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">000</span> </div></td><td class=\"c x569 y452e w262 hdb\"><div class=\"t m2 x19b h125 y1fb2 ff31a fs16 fc21 sc0 ls14 ws14\">865<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y452e w263 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">298</span> </div></td><td></td><td class=\"c x528 y452e w263 hdb\"><div class=\"t m2 x19b h125 y1fb2 ff31a fs16 fc21 sc0 ls14 ws14\">157<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y452e w262 hdb\"><div class=\"t m2 x19b h125 y1fb2 ff31a fs16 fc21 sc0 ls14 ws14\">272<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y452e w261 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">592</span> </div></td><td class=\"c x56f y452e w262 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">009</span> </div></td></tr><tr><td class=\"c x3fc y452f w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31a fs16 fc21 sc0 lsb5 ws27\">Per Kristian N\u00e6ss<span class=\"ls0 ws0\">-<span class=\"ls14 wsfa\">Faldset, konserndirek<span class=\"_ _1\"></span>t\u00f8r</span></span><span class=\"ls0 ws0\"><span class=\"ls14 wsfa\"><span class=\"ls0 ws0\"> </span></span></span></div></td><td class=\"c x4a1 y452f w264 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">682</span> </div></td><td></td><td class=\"c x4a3 y452f w261 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">782</span> </div></td><td class=\"c x569 y452f w262 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">656<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y452f w263 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">985<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x528 y452f w263 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">100<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y452f w262 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">158<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y452f w261 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">680</span> </div></td><td class=\"c x56f y452f w262 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">961</span> </div></td></tr><tr><td class=\"c x3fc y4530 w10c hdb\"><div class=\"t m2 x19f h125 y1fb0 ff31a fs16 fc21 sc0 ls14 wsfa\">Alexander Opst<span class=\"_ _1\"></span>ad, konserndirekt\u00f8<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4530 w264 hdb\"><div class=\"t m2 x210 h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">500</span> </div></td><td></td><td class=\"c x4a3 y4530 w261 hdb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">417</span> </div></td><td class=\"c x569 y4530 w262 hdb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">728</span> </div></td><td class=\"c x56a y4530 w263 hdb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">593</span> </div></td><td class=\"c x56b y4530 w262 hdb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">755</span> </div></td><td class=\"c x528 y4530 w263 hdb\"><div class=\"t m2 x19b h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">512<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4530 w262 hdb\"><div class=\"t m2 x19b h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">225<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y4530 w261 hdb\"><div class=\"t m2 x1e5 h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">17<span class=\"ls0 ws0\"> </span>230<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4530 w262 hdb\"><div class=\"t m2 x1e5 h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">47<span class=\"ls0 ws0\"> </span>933<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4531 w10c hde\"><div class=\"t m2 x19f h125 y1fbc ff31a fs16 fc21 sc0 ls14 wsfa\">Elin Sandnes, k<span class=\"_ _1\"></span>onserndirekt\u00f8r <span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4531 w264 hde\"><div class=\"t m2 x210 h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">289</span> </div></td><td></td><td class=\"c x4a3 y4531 w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">241</span> </div></td><td class=\"c x569 y4531 w262 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">778<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y4531 w263 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">167</span> </div></td><td></td><td class=\"c x528 y4531 w263 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">151<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4531 w262 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">158<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y4531 w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">494</span> </div></td><td class=\"c x56f y4531 w262 hde\"><div class=\"t m2 x1e5 h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">24<span class=\"ls0 ws0\"> </span>926<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4532 w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31a fs16 fc21 sc0 ls14 wsfa\">Harald Serck<span class=\"ls0 ws0\">-</span>Ha<span class=\"_ _1\"></span>nssen, konserndi<span class=\"_ _1\"></span>rekt\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4532 w264 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">151</span> </div></td><td></td><td class=\"c x4a3 y4532 w261 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">368</span> </div></td><td class=\"c x569 y4532 w262 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">109</span> </div></td><td class=\"c x56a y4532 w263 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">664</span> </div></td><td></td><td class=\"c x528 y4532 w263 hdb\"><div class=\"t m2 x209 h125 y1fb2 ff31a fs16 fc21 sc0 ls14 ws14\">53<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4532 w262 hdb\"><div class=\"t m2 x1bc h125 y1fb2 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">719</span> </div></td><td class=\"c x56d y4532 w261 hdb\"><div class=\"t m2 x1e5 h125 y1fb2 ff31a fs16 fc21 sc0 ls14 ws14\">10<span class=\"ls0 ws0\"> </span>913<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56f y4532 w262 hdb\"><div class=\"t m2 x209 h125 y1fb2 ff31a fs16 fc21 sc0 ls14 ws14\">62<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4533 w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">Eline Skramstad, k<span class=\"_ _1\"></span>onserndirekt\u00f8<span class=\"_ _1\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4533 w264 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">792</span> </div></td><td></td><td class=\"c x4a3 y4533 w261 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">817</span> </div></td><td class=\"c x569 y4533 w262 hda\"><div class=\"t m2 x209 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">37<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x528 y4533 w263 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">104<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4533 w262 hda\"><div class=\"t m2 x19b h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">324<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y4533 w261 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">282</span> </div></td><td class=\"c x56f y4533 w262 hda\"><div class=\"t m2 x1bc h125 y1fa8 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">927</span> </div></td></tr><tr><td class=\"c x3fc y4534 w10c hdb\"><div class=\"t m2 x19f h125 y1fb0 ff31a fs16 fc21 sc0 ls14 wsfa\">Marianne Wik S<span class=\"_ _1\"></span>\u00e6tre, konserndirekt<span class=\"_ _1\"></span>\u00f8r (fra 18.<span class=\"_ _1\"></span>08.25)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4534 w264 hdb\"><div class=\"t m2 x210 h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">750</span> </div></td><td></td><td class=\"c x4a3 y4534 w261 hdb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">759</span> </div></td><td class=\"c x569 y4534 w262 hdb\"><div class=\"t m2 x19b h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">286<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y4534 w263 hdb\"><div class=\"t m2 x19b h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">430<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x528 y4534 w263 hdb\"><div class=\"t m2 x209 h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">53<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4534 w262 hdb\"><div class=\"t m2 x209 h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">58<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y4534 w261 hdb\"><div class=\"t m2 x1bc h125 y1fb0 ff31a fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">586</span> </div></td><td class=\"c x56f y4534 w262 hdb\"><div class=\"t m2 x1e5 h125 y1fb0 ff31a fs16 fc21 sc0 ls14 ws14\">13<span class=\"ls0 ws0\"> </span>560<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3fc y4535 w10c hde\"><div class=\"t m2 x19f h125 y1fbc ff31a fs16 fc21 sc0 ls14 wsfa\">Even Graff  Weste<span class=\"_ _1\"></span>rveld, konsern<span class=\"_ _1\"></span>direkt\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x4a1 y4535 w264 hde\"><div class=\"t m2 x210 h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">954</span> </div></td><td></td><td class=\"c x4a3 y4535 w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">972</span> </div></td><td class=\"c x569 y4535 w262 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">690<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56a y4535 w263 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">035</span> </div></td><td></td><td class=\"c x528 y4535 w263 hde\"><div class=\"t m2 x209 h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">92<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56c y4535 w262 hde\"><div class=\"t m2 x19b h125 y1fbc ff31a fs16 fc21 sc0 ls14 ws14\">158<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x56d y4535 w261 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">947</span> </div></td><td class=\"c x56f y4535 w262 hde\"><div class=\"t m2 x1bc h125 y1fbc ff31a fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">014</span> </div></td></tr><tr><td class=\"c x3fc y4536 w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31a fs16 fc21 sc0 ls14 wsfa\">Utl\u00e5n til \u00f8vrige<span class=\"_ _1\"></span> ansatte<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x56d y4536 wf1 hda\"><div class=\"t m2 x246 h125 y1fa8 ff31a fs16 fc21 sc0 ls14 ws14\">31<span class=\"ls0 ws0\"> </span>324<span class=\"ls0 ws0\"> <span class=\"lsdc ws13d\">195</span></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h1db gs225\"><div class=\"t m2 x20e he2 y32ac ff31a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hd8 y32ad ff31b fs53 fc21 sc0 ls0 ws0\">1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Om<span class=\"_ _5\"></span>fatter l<span class=\"_ _5\"></span>\u00f8nnsut<span class=\"_ _5\"></span>betalin<span class=\"_ _5\"></span>ger f<span class=\"_ _5\"></span>or den d<span class=\"_ _5\"></span>elen av <span class=\"_ _5\"></span>\u00e5ret v<span class=\"_ _5\"></span>edkom<span class=\"_ _5\"></span>mende v<span class=\"_ _5\"></span>ar me<span class=\"_ _5\"></span>dlem a<span class=\"_ _5\"></span>v konser<span class=\"_ _5\"></span>nledels<span class=\"_ _5\"></span>en.</span> </div><div class=\"t m2 x20e hd8 y32ae ff31b fs53 fc21 sc0 ls0 ws0\">2 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Konta<span class=\"_ _5\"></span>ntbas<span class=\"_ _5\"></span>ert kor<span class=\"_ _5\"></span>ttidsi<span class=\"_ _5\"></span>nsentiv<span class=\"_ _5\"></span>ordnin<span class=\"_ _5\"></span>g (<span class=\"_ _5\"></span>eksklus<span class=\"_ _5\"></span>iv ferie<span class=\"_ _5\"></span>peng<span class=\"_ _5\"></span>er), opptj<span class=\"_ _5\"></span>ent i<span class=\"_ _5\"></span> 2025 f<span class=\"_ _5\"></span>or den<span class=\"_ _5\"></span> perio<span class=\"_ _5\"></span>den v<span class=\"_ _5\"></span>edkom<span class=\"_ _5\"></span>mende va<span class=\"_ _5\"></span>r me<span class=\"_ _5\"></span>dlem av <span class=\"_ _5\"></span>kon<span class=\"wscb\">se<span class=\"_ _5\"></span>rnledels<span class=\"_ _5\"></span>en. </span></span> </div><div class=\"t m2 x20e hd8 y32af ff31b fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsab wscd\">Selska<span class=\"_ _5\"></span>pets or<span class=\"_ _5\"></span>dning<span class=\"_ _5\"></span>er for v<span class=\"_ _5\"></span>ariabel<span class=\"_ _5\"></span> godtg<span class=\"_ _5\"></span>j\u00f8rels<span class=\"_ _5\"></span>e ble <span class=\"_ _5\"></span>omgjo<span class=\"_ _5\"></span>rt i 20<span class=\"_ _5\"></span>23, slik a<span class=\"_ _5\"></span>t ordni<span class=\"_ _5\"></span>ngen<span class=\"_ _5\"></span> for in<span class=\"_ _5\"></span>dividuel<span class=\"_ _5\"></span>l vari<span class=\"_ _5\"></span>abel g<span class=\"_ _5\"></span>odtgj\u00f8<span class=\"_ _5\"></span>relse<span class=\"_ _5\"></span> og</span> <span class=\"lsab wscd\">ordnin<span class=\"_ _5\"></span>gen f<span class=\"_ _5\"></span>or kon<span class=\"_ _5\"></span>sernb<span class=\"_ _5\"></span>onus er </span></div><div class=\"t m2 x134 hd8 y32b0 ff31b fs53 fc21 sc0 lsab wscd\">gjensidi<span class=\"_ _5\"></span>ge utel<span class=\"_ _5\"></span>ukke<span class=\"_ _5\"></span>nde. <span class=\"_ _5\"></span>For CRO<span class=\"_ _5\"></span> og C<span class=\"_ _5\"></span>CO ytes d<span class=\"_ _5\"></span>et ik<span class=\"_ _5\"></span>ke indivi<span class=\"_ _5\"></span>duell<span class=\"_ _5\"></span> variab<span class=\"_ _5\"></span>el go<span class=\"_ _5\"></span>dtgj\u00f8r<span class=\"_ _5\"></span>else. D<span class=\"_ _5\"></span>isse to m<span class=\"_ _5\"></span>otta<span class=\"_ _5\"></span>r derfor<span class=\"_ _5\"></span> konse<span class=\"_ _5\"></span>rnbon<span class=\"_ _5\"></span>us p\u00e5 linj<span class=\"_ _5\"></span>e me<span class=\"_ _5\"></span>d \u00f8vrig<span class=\"_ _5\"></span>e ans<span class=\"_ _5\"></span>atte.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hd8 y32b1 ff31b fs53 fc21 sc0 ls0 ws0\">3</div><div class=\"t m2 x204 hcf y32b2 ff31a fs55 fc21 sc0 ls0 ws0\"> <span class=\"_ _f2\"> </span><span class=\"ff31b fs53 lsab wscd\">A<span class=\"_ _5\"></span>ksjebase<span class=\"_ _5\"></span>rt lang<span class=\"_ _5\"></span>tidsin<span class=\"_ _5\"></span>sentiv<span class=\"_ _5\"></span>ordning<span class=\"_ _5\"></span> op<span class=\"_ _5\"></span>ptjent i <span class=\"_ _5\"></span>2025 f<span class=\"_ _5\"></span>or de<span class=\"_ _5\"></span>n peri<span class=\"_ _5\"></span>oden vedk<span class=\"_ _5\"></span>omm<span class=\"_ _5\"></span>ende va<span class=\"_ _5\"></span>r medl<span class=\"_ _5\"></span>em av k<span class=\"_ _5\"></span>onsernl<span class=\"_ _5\"></span>edels<span class=\"_ _5\"></span>en. For m<span class=\"_ _5\"></span>er ut<span class=\"_ _5\"></span>fylle<span class=\"_ _5\"></span>nde inf<span class=\"_ _5\"></span>ormasj<span class=\"_ _5\"></span>o<span class=\"ls0 ws0\">n </span><span class=\"wscb\">om </span></span></div><div class=\"t m2 x134 hcf y32b3 ff31b fs53 fc21 sc0 lsab wscd\">langtidsi<span class=\"_ _5\"></span>nse<span class=\"_ _5\"></span>ntivord<span class=\"_ _5\"></span>ningen<span class=\"_ _5\"></span>, henvis<span class=\"_ _5\"></span>es det<span class=\"_ _5\"></span> til pu<span class=\"_ _5\"></span>nkt 3.<span class=\"_ _5\"></span>4 i Sty<span class=\"_ _5\"></span>rets retni<span class=\"_ _5\"></span>ngsli<span class=\"_ _5\"></span>njer fo<span class=\"_ _5\"></span>r godt<span class=\"_ _5\"></span>gj\u00f8rels<span class=\"_ _5\"></span>e til l<span class=\"_ _5\"></span>edend<span class=\"_ _5\"></span>e person<span class=\"_ _5\"></span>er, til<span class=\"_ _5\"></span>gjen<span class=\"ls0 ws0\">ge<span class=\"lsa7 wsd1\">lig p\u00e5<span class=\"_ _5\"></span> www.dnb.no</span><span class=\"ff31a fs55\"> </span></span></div><div class=\"t m2 x20e hd8 y32b4 ff31b fs53 fc21 sc0 ls0 ws0\">4 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Det e<span class=\"_ _5\"></span>r inng<span class=\"_ _5\"></span>\u00e5tt avt<span class=\"_ _5\"></span>ale om<span class=\"_ _5\"></span> fastl\u00f8<span class=\"_ _5\"></span>nnstill<span class=\"_ _5\"></span>egg fo<span class=\"_ _5\"></span>r enkel<span class=\"_ _5\"></span>te me<span class=\"_ _5\"></span>dlemmer <span class=\"_ _5\"></span>av kons<span class=\"_ _5\"></span>ernl<span class=\"_ _5\"></span>edelse<span class=\"_ _5\"></span>n, som<span class=\"_ _5\"></span> skal avs<span class=\"_ _5\"></span>ettes<span class=\"_ _5\"></span> til aksj<span class=\"_ _5\"></span>ekj\u00f8<span class=\"_ _5\"></span>p (se <span class=\"_ _5\"></span>beskrivel<span class=\"_ _5\"></span>se i Ret<span class=\"_ _5\"></span>nings<span class=\"_ _5\"></span>linjer f<span class=\"_ _5\"></span>or </span></div><div class=\"t m2 x134 hd8 y32b5 ff31b fs53 fc21 sc0 lsab wscd\">godtgj<span class=\"_ _5\"></span>\u00f8relse til<span class=\"_ _5\"></span> led<span class=\"_ _5\"></span>ende pe<span class=\"_ _5\"></span>rsone<span class=\"_ _5\"></span>r p\u00e5 dn<span class=\"_ _5\"></span>b.no). <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hd8 y32b6 ff31b fs53 fc21 sc0 ls0 ws0\">5 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">\u00c5rets <span class=\"_ _5\"></span>opptj<span class=\"_ _5\"></span>ente p<span class=\"_ _5\"></span>ensjons<span class=\"_ _5\"></span>retti<span class=\"_ _5\"></span>ghet (S<span class=\"_ _5\"></span>CC). B<span class=\"_ _5\"></span>eregni<span class=\"_ _5\"></span>ng av p<span class=\"_ _5\"></span>ensj<span class=\"_ _5\"></span>onsoppt<span class=\"_ _5\"></span>jenin<span class=\"_ _5\"></span>g er bas<span class=\"_ _5\"></span>ert p\u00e5 <span class=\"_ _5\"></span>de sam<span class=\"_ _5\"></span>me \u00f8k<span class=\"_ _5\"></span>onomis<span class=\"_ _5\"></span>ke og ak<span class=\"_ _5\"></span>tuarm<span class=\"_ _5\"></span>essig<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etnin<span class=\"_ _5\"></span>ger som<span class=\"_ _5\"></span> er </span></div><div class=\"t m2 x134 hd8 y32b7 ff31b fs53 fc21 sc0 lsaa ws0\">benyttet i n<span class=\"_ _5\"></span>ote K2<span class=\"_ _5\"></span><span class=\"ls0\">4 <span class=\"lsab wscb\">Pensjo<span class=\"_ _5\"></span>ner. <span class=\"_ _5\"></span></span> </span></div><div class=\"t m2 x20e hd8 y32b8 ff31b fs53 fc21 sc0 ls0 ws0\">6  <span class=\"_ _1bc\"> </span><span class=\"lsab wscd\">Utl\u00e5n ti<span class=\"_ _5\"></span>l aksjon\u00e6<span class=\"_ _5\"></span>rval<span class=\"_ _5\"></span>gte til<span class=\"_ _5\"></span>litsv<span class=\"_ _5\"></span>algte e<span class=\"_ _5\"></span>r gitt p<span class=\"_ _5\"></span>\u00e5 ordin\u00e6<span class=\"_ _5\"></span>re kun<span class=\"_ _5\"></span>devil<span class=\"_ _5\"></span>k\u00e5r. Utl<span class=\"_ _5\"></span>\u00e5n til<span class=\"_ _5\"></span> ans<span class=\"_ _5\"></span>atte i DN<span class=\"_ _5\"></span>B er <span class=\"_ _5\"></span>gitt p\u00e5 f<span class=\"_ _5\"></span>unksjo<span class=\"_ _5\"></span>n\u00e6rbet<span class=\"_ _5\"></span>ingelser,<span class=\"_ _5\"></span> som e<span class=\"_ _5\"></span>r n\u00e6r o<span class=\"_ _5\"></span>rdin\u00e6<span class=\"_ _5\"></span>re ku<span class=\"_ _5\"></span>ndevilk\u00e5<span class=\"_ _5\"></span>r.</span> </div><div class=\"t m2 x20e hd8 y32b9 ff31b fs53 fc21 sc0 ls0 ws0\">7 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Medl<span class=\"_ _5\"></span>em ogs<span class=\"_ _5\"></span>\u00e5 av s<span class=\"_ _5\"></span>tyrets k<span class=\"_ _5\"></span>ompe<span class=\"_ _5\"></span>nsasjon<span class=\"_ _5\"></span>s</span>- <span class=\"lsab wscd\">og org<span class=\"_ _5\"></span>anisas<span class=\"_ _5\"></span>jonsu<span class=\"_ _5\"></span>tvalg.<span class=\"_ _5\"></span></span> </div><div class=\"t m2 x2d7 hd8 y32ba ff31b fs53 fc21 sc0 ls0 ws0\">8 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Medl<span class=\"_ _5\"></span>em ogs<span class=\"_ _5\"></span>\u00e5 av s<span class=\"_ _5\"></span>tyrets <span class=\"_ _5\"></span>revisj<span class=\"_ _5\"></span>onsutv<span class=\"_ _5\"></span>alg og s<span class=\"_ _5\"></span>tyrets <span class=\"_ _5\"></span>risiko<span class=\"_ _5\"></span>utvalg.<span class=\"_ _5\"></span></span> </div><div class=\"t m2 x2d7 hd8 y32bb ff31b fs53 fc21 sc0 ls0 ws0\">9 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Ansat<span class=\"_ _5\"></span>tvalg<span class=\"_ _5\"></span>t styrem<span class=\"_ _5\"></span>edlem<span class=\"_ _5\"></span>.</span> </div><div class=\"t m2 x20e hcf y32bc ff31a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y32bd ff31a fs55 fc21 sc0 lsaf wsf6\">Se ogs\u00e5 note K49 Opplysninger om n\u00e6rst\u00e5ende parter for informasjon om utl\u00e5n til<span class=\"_ _5\"></span> og innskudd fra ledende personer. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y32be ff31a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y32bf ff31a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y32c0 ff31a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 xfa hd6 y32c1 ff319 fs5 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs10f\"><table class=\"s w3f7 h536\" id=\"_08f5f182-c1f4-4efe-a4cf-3265fa55c5b2\"><tr><td class=\"c x45e y4537 w265 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff31d fs55 fc21 sc0 lsae ws13c\">Godtgj\u00f8relser<span class=\"_ _1\"></span> og liknende i 2024<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x585 y4538 w267 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Kontant<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4538 w267 hd7\"><div class=\"t m2 x19a h125 y1ffd ff31c fs16 fc21 sc0 ls14 ws14\">Aksjebaser<span class=\"_ _1c5\"> </span></div><div class=\"t m2 x247 h125 y3255 ff31c fs16 fc21 sc0 ls0 ws0\">t </div></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x585 y4539 w267 hd7\"><div class=\"t m2 x19f h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">basert kort<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4539 w267 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">langtids<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y4539 w268 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Natural<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td class=\"c x585 y453a w267 hd7\"><div class=\"t m2 x19a h125 y1ffd ff31c fs16 fc21 sc0 ls14 ws14\">tidsinsentiv</div><div class=\"t m2 x19e h125 y3255 ff31c fs16 fc21 sc0 ls0 ws0\"> </div></td><td class=\"c x586 y453a w267 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">insentiv<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x588 y453a w267 hd7\"><div class=\"t m2 xb3 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Fastl\u00f8nns<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x587 y453a w268 hd7\"><div class=\"t m2 x1e5 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">ytelser </div></td><td class=\"c x589 y453a w267 hd7\"><div class=\"t m2 x28c h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Opptjent<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y453a w26a hd7\"><div class=\"t m2 x20a h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Totale<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x58b y453b w269 hd7\"><div class=\"t m2 x1e5 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">Fast </div></td><td class=\"c x58c y453b w264 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Utbetalt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y453b w266 hd7\"><div class=\"t m2 x163 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">Utbetalt<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x585 y453b w267 hd7\"><div class=\"t m2 x163 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">ordning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y453b w267 hd7\"><div class=\"t m2 x163 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">ordning<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x588 y453b w267 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">aksjer </div></td><td class=\"c x587 y453b w268 hd7\"><div class=\"t m2 xda h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">og andre<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y453b w267 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">pensjons<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y453b w26a hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">godt<span class=\"ls0 ws0\">-</span><span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td></td><td class=\"c x58b y453c w269 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">\u00e5rsl\u00f8nn<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58c y453c w264 hd7\"><div class=\"t m2 x28b h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">honorar<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x460 y453c w266 hd7\"><div class=\"t m2 x4f h125 y1fa8 ff31c fs16 fc21 sc0 lsb5 wsf7\">l\u00f8nn<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x585 y453c w267 hd7\"><div class=\"t m2 x1bc h125 y1fa8 ff31c fs16 fc21 sc0 ls3b wsfb\">(STI)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y453c w267 hd7\"><div class=\"t m2 x44 h125 y1fa8 ff31c fs16 fc21 sc0 lsc7 wsfa\">(LTI)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x588 y453c w267 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">opptjent<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x587 y453c w268 hd7\"><div class=\"t m2 x1e5 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">ytelser </div></td><td class=\"c x589 y453c w267 hd7\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">kostnad<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y453c w26a hd7\"><div class=\"t m2 xda h125 y1fa8 ff31c fs16 fc21 sc0 lsb5 wsf7\">gj\u00f8relser<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y453c w267 hd7\"><div class=\"t m2 x266 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">Utl\u00e5n per<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y453d w10c hd7\"><div class=\"t m2 x19f h13c y1fa8 ff31e fs16 fc21 sc0 ls14 wsfa\">Bel\u00f8p i tusen k<span class=\"_ _1\"></span>roner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y453d w269 hd7\"><div class=\"t m2 x19a h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">31.12.24<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58c y453d w264 hd7\"><div class=\"t m2 x266 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\"> <span class=\"ls14 wsfa\">i 2024</span> </div></td><td class=\"c x58f y453e w3f8 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024</div><div class=\"t m2 x58e h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">1</div></td><td class=\"c x591 y453e w3f9 h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024</div><div class=\"t m2 x590 h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">2</div></td><td class=\"c x593 y453e w3fa h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024</div><div class=\"t m2 x592 h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">3</div></td><td class=\"c x595 y453e w3fb h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024</div><div class=\"t m2 x594 h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">4<span class=\"_ _1c5\"> </span></div></td><td class=\"c x587 y453d w268 hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x597 y453e w3fc h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024</div><div class=\"t m2 x596 h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">5<span class=\"_ _1c5\"> </span></div></td><td class=\"c x58a y453d w26a hd7\"><div class=\"t m2 xd9 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">i 2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x599 y453e w3fd h4f6\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 ws14\">31.12.24</div><div class=\"t m2 x598 h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">6<span class=\"_ _1c5\"> </span></div></td></tr><tr><td class=\"c x45e y453f w10c hd9\"><div class=\"t m2 x19f h2ab y1fbe ff31d fs16 fc21 sc0 lsb5 ws27\">Styret i DNB Bank ASA<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x3f6 y4540 w3fe h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 ws11b\">Olaug Svarva (leder)</div><div class=\"t m2 x59a h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">7<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4541 w264 hde\"><div class=\"t m2 x210 h125 y1fbc ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">253</span> </div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4541 w26a hde\"><div class=\"t m2 x267 h125 y1fbc ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">253</span> </div></td><td class=\"c x58d y4541 w267 hde\"><div class=\"t m2 x1ab h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">15<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4542 w3ff h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Jens Petter Olse<span class=\"_ _1\"></span>n (nestleder)</div><div class=\"t m2 x59b h137 y3e98 ff31c fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4543 w264 hda\"><div class=\"t m2 x20a h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">999<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4543 w26a hda\"><div class=\"t m2 x329 h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">999<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4543 w267 hda\"><div class=\"t m2 x329 h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">178<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4544 w400 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Gro Bakstad</div><div class=\"t m2 x59c h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4545 w264 hdb\"><div class=\"t m2 x20a h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">695<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4545 w26a hdb\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">695<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4545 w267 hdb\"><div class=\"t m2 x1ab h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4546 w401 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Christine Bosse (ti<span class=\"_ _1\"></span>l 31.07.24)</div><div class=\"t m2 x59d h137 y3e98 ff31c fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4547 w264 hdb\"><div class=\"t m2 x20a h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">383<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4547 w26a hdb\"><div class=\"t m2 x329 h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">383<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4548 w3fe h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 lsc7 wsfa\">Petter<span class=\"ls0 ws0\">-</span><span class=\"ls14\">B\u00f8rre Furbe<span class=\"_ _1\"></span>rg</span></div><div class=\"t m2 x59a h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">7<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4549 w264 hde\"><div class=\"t m2 x20a h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">586<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4549 w26a hde\"><div class=\"t m2 x329 h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">586<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4549 w267 hde\"><div class=\"t m2 x329 h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">114<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y454a w402 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Julie Galbo (til 2<span class=\"_ _1\"></span>8.04.24)</div><div class=\"t m2 x59e h137 y3e98 ff31c fs5b fc21 sc0 ls0 ws0\">8<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y454b w264 hda\"><div class=\"t m2 x20a h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">228<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y454b w26a hda\"><div class=\"t m2 x329 h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">228<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y454c w403 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 lsb5 ws27\">Lillian Hattre<span class=\"_ _5\"></span>m</div><div class=\"t m2 x59f h137 y3e84 ff31c fs5b fc21 sc0 lsd7 ws134\">7, 8, 9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y454d w264 hdb\"><div class=\"t m2 x20a h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">666<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y454d w26a hdb\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">666<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y454d w267 hdb\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">436</span> </div></td></tr><tr><td class=\"c x3f6 y454e w404 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Stian Tegler S<span class=\"_ _1\"></span>amuelsen (til 28.0<span class=\"_ _1\"></span>4.24)</div><div class=\"t m2 x5a0 h137 y3e98 ff31c fs5b fc21 sc0 ls0 ws0\">9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y454f w264 hdb\"><div class=\"t m2 x20a h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">149<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y454f w26a hdb\"><div class=\"t m2 x329 h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">149<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4550 w405 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Haakon Christo<span class=\"_ _1\"></span>pher Sandven (fra 2<span class=\"_ _1\"></span>9.04.24)</div><div class=\"t m2 x5a1 h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4551 w264 hde\"><div class=\"t m2 x20a h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">313<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4551 w26a hde\"><div class=\"t m2 x329 h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">313<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4551 w267 hde\"><div class=\"t m2 x1e5 h125 y1fbc ff31c fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>110<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3f6 y4552 w406 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Jannicke Telle Ska<span class=\"_ _1\"></span>anes (til 28.04.2<span class=\"_ _1\"></span>4)</div><div class=\"t m2 x51e h137 y3e98 ff31c fs5b fc21 sc0 ls0 ws0\">9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4553 w264 hda\"><div class=\"t m2 x20a h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">149<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4553 w26a hda\"><div class=\"t m2 x329 h125 y2433 ff31c fs16 fc21 sc0 ls14 ws14\">149<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4554 w407 h4b1\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Eli Solhaug (fra 2<span class=\"_ _1\"></span>9.04.24)</div><div class=\"t m2 x49c h137 y3e84 ff31c fs5b fc21 sc0 ls0 ws0\">9<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4555 w264 hdb\"><div class=\"t m2 x20a h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">313<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4555 w26a hdb\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">313<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x3f6 y4556 w408 h4b4\"><div class=\"t m2 x3f4 h125 y3e83 ff31c fs16 fc21 sc0 ls14 wsfa\">Kim Wahl</div><div class=\"t m2 x5a2 h137 y3e98 ff31c fs5b fc21 sc0 ls0 ws0\">7<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x58c y4557 w264 hdb\"><div class=\"t m2 x20a h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">520<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4557 w26a hdb\"><div class=\"t m2 x329 h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">520<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4557 w267 hdb\"><div class=\"t m2 x1ab h125 y1fbe ff31c fs16 fc21 sc0 ls14 ws14\">46<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4558 w10c hde\"><div class=\"t m2 x19f h2ab y2433 ff31d fs16 fc21 sc0 ls14 ws14\">Konsernledels<span class=\"_ _1\"></span>en<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c x45e y4559 w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Kjerstin R. B<span class=\"_ _1\"></span>raathen, CEO<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y4559 w269 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">175</span> </div></td><td></td><td class=\"c x460 y4559 w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">483</span> </div></td><td class=\"c x585 y4559 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">348</span> </div></td><td class=\"c x586 y4559 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">022</span> </div></td><td class=\"c x588 y4559 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">753</span> </div></td><td class=\"c x587 y4559 w268 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">350<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4559 w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">943<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4559 w26a hdb\"><div class=\"t m2 x1e5 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">16<span class=\"ls0 ws0\"> </span>899<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4559 w267 hdb\"><div class=\"t m2 x1e5 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">12<span class=\"ls0 ws0\"> </span>050<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y455a w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Ida Lerner, C<span class=\"_ _1\"></span>FO<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y455a w269 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">855</span> </div></td><td></td><td class=\"c x460 y455a w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">063</span> </div></td><td class=\"c x585 y455a w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">012</span> </div></td><td class=\"c x586 y455a w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">518</span> </div></td><td class=\"c x588 y455a w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">585<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x587 y455a w268 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">146<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y455a w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">151<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y455a w26a hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">9 <span class=\"ls14 ws14\">475</span> </div></td><td class=\"c x58d y455a w267 hdb\"><div class=\"t m2 x1e5 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">10<span class=\"ls0 ws0\"> </span>363<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y455b w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">Fredrik Berger<span class=\"_ _1\"></span>, konserndirekt\u00f8r <span class=\"_ _1\"></span>(CCO)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y455b w269 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">590</span> </div></td><td></td><td class=\"c x460 y455b w266 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">721</span> </div></td><td class=\"c x585 y455b w267 hda\"><div class=\"t m2 x1ab h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">36<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x587 y455b w268 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">138<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y455b w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">151<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y455b w26a hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">046</span> </div></td><td class=\"c x58d y455b w267 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">499</span> </div></td></tr><tr><td class=\"c x45e y455c w10c hde\"><div class=\"t m2 x19f h125 y1fae ff31c fs16 fc21 sc0 ls14 wsfa\">Rasmus T. Figensch<span class=\"_ _1\"></span>ou, konserndi<span class=\"_ _1\"></span>rekt\u00f8r (fra 06.05.24<span class=\"_ _1\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y455c w269 hde\"><div class=\"t m2 x210 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">580</span> </div></td><td></td><td class=\"c x460 y455c w266 hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">994</span> </div></td><td class=\"c x585 y455c w267 hde\"><div class=\"t m2 x329 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">553<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y455c w267 hde\"><div class=\"t m2 x329 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">829<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y455c w268 hde\"><div class=\"t m2 x329 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">182<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y455c w267 hde\"><div class=\"t m2 x1ab h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">99<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y455c w26a hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">657</span> </div></td><td class=\"c x58d y455c w267 hde\"><div class=\"t m2 x1e5 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">51<span class=\"ls0 ws0\"> </span>776<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y455d w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">H\u00e5kon Hansen, k<span class=\"_ _1\"></span>onserndirekt\u00f8r<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y455d w269 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">470</span> </div></td><td></td><td class=\"c x460 y455d w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">583</span> </div></td><td class=\"c x585 y455d w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">682<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y455d w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">023</span> </div></td><td></td><td class=\"c x587 y455d w268 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">104<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y455d w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">325<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y455d w26a hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">717</span> </div></td><td class=\"c x58d y455d w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">157</span> </div></td></tr><tr><td class=\"c x45e y455e w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Sverre Krog, k<span class=\"_ _1\"></span>onserndirekt\u00f8r <span class=\"_ _1\"></span>(til 05.05.24)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x460 y455e w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">493</span> </div></td><td class=\"c x585 y455e w267 hdb\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">13<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x587 y455e w268 hdb\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y455e w267 hdb\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y455e w26a hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">610</span> </div></td><td></td></tr><tr><td class=\"c x45e y455f w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">Maria Ervik L<span class=\"_ _1\"></span>\u00f8vold, konserndirekt\u00f8<span class=\"_ _1\"></span>r <span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y455f w269 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">620</span> </div></td><td></td><td class=\"c x460 y455f w266 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">596</span> </div></td><td class=\"c x585 y455f w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">720<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y455f w267 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">080</span> </div></td><td></td><td class=\"c x587 y455f w268 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">144<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y455f w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">260<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y455f w26a hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">800</span> </div></td><td class=\"c x58d y455f w267 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">488</span> </div></td></tr><tr><td class=\"c x45e y4560 w10c hde\"><div class=\"t m2 x19f h125 y1fae ff31c fs16 fc21 sc0 ls14 wsfa\">Anne Sigrun Mo<span class=\"_ _1\"></span>en, konserndirekt\u00f8<span class=\"_ _1\"></span>r (til 05.05.24)<span class=\"_ _1\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x460 y4560 w266 hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">143</span> </div></td><td class=\"c x585 y4560 w267 hde\"><div class=\"t m2 x329 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">193<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4560 w267 hde\"><div class=\"t m2 x329 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">290<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y4560 w268 hde\"><div class=\"t m2 x20f h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">9 </div></td><td class=\"c x589 y4560 w267 hde\"><div class=\"t m2 x1ab h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">52<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4560 w26a hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">687</span> </div></td><td></td></tr><tr><td class=\"c x45e y4561 w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 lsb5 ws27\">Per Kristian N\u00e6ss<span class=\"ls0 ws0\">-<span class=\"ls14 wsfa\">Faldset, konserndirek<span class=\"_ _1\"></span>t\u00f8r</span></span><span class=\"ls0 ws0\"><span class=\"ls14 wsfa\"><span class=\"ls0 ws0\"> </span></span></span></div></td><td class=\"c x58b y4561 w269 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">520</span> </div></td><td></td><td class=\"c x460 y4561 w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">632</span> </div></td><td class=\"c x585 y4561 w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">603<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4561 w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">905<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y4561 w268 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">140<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4561 w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">151<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4561 w26a hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">431</span> </div></td><td class=\"c x58d y4561 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">968</span> </div></td></tr><tr><td class=\"c x45e y4562 w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Alexander Opst<span class=\"_ _1\"></span>ad, konserndirekt\u00f8<span class=\"_ _1\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y4562 w269 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">740</span> </div></td><td></td><td class=\"c x460 y4562 w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">7 <span class=\"ls14 ws14\">928</span> </div></td><td class=\"c x585 y4562 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">349</span> </div></td><td class=\"c x586 y4562 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">024</span> </div></td><td class=\"c x588 y4562 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">322</span> </div></td><td class=\"c x587 y4562 w268 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">325<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4562 w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">215<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4562 w26a hdb\"><div class=\"t m2 x1e5 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">14<span class=\"ls0 ws0\"> </span>163<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4562 w267 hdb\"><div class=\"t m2 x1e5 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">48<span class=\"ls0 ws0\"> </span>260<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4563 w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws11b\">Elin Sandnes, konserndirekt<span class=\"_ _1\"></span>\u00f8r (fra 17.06.24)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y4563 w269 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">100</span> </div></td><td></td><td class=\"c x460 y4563 w266 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">140</span> </div></td><td class=\"c x585 y4563 w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">372<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4563 w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">557<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y4563 w268 hda\"><div class=\"t m2 x1ab h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">46<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4563 w267 hda\"><div class=\"t m2 x1ab h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">81<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4563 w26a hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">196</span> </div></td><td class=\"c x58d y4563 w267 hda\"><div class=\"t m2 x1e5 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">21<span class=\"ls0 ws0\"> </span>428<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4564 w10c hde\"><div class=\"t m2 x19f h125 y1fae ff31c fs16 fc21 sc0 ls14 wsfa\">Harald Serck<span class=\"ls0 ws0\">-</span>Ha<span class=\"_ _1\"></span>nssen, konserndi<span class=\"_ _1\"></span>rekt\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y4564 w269 hde\"><div class=\"t m2 x210 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">880</span> </div></td><td></td><td class=\"c x460 y4564 w266 hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">6 <span class=\"ls14 ws14\">111</span> </div></td><td class=\"c x585 y4564 w267 hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">025</span> </div></td><td class=\"c x586 y4564 w267 hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">537</span> </div></td><td></td><td class=\"c x587 y4564 w268 hde\"><div class=\"t m2 x329 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">140<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4564 w267 hde\"><div class=\"t m2 x267 h125 y1fae ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">648</span> </div></td><td class=\"c x58a y4564 w26a hde\"><div class=\"t m2 x1e5 h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">10<span class=\"ls0 ws0\"> </span>461<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58d y4564 w267 hde\"><div class=\"t m2 x1ab h125 y1fae ff31c fs16 fc21 sc0 ls14 ws14\">52<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x45e y4565 w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Eline Skramstad, k<span class=\"_ _1\"></span>onserndirekt\u00f8<span class=\"_ _1\"></span>r (fra 06.05.24) (CR<span class=\"_ _1\"></span>O)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y4565 w269 hdb\"><div class=\"t m2 x210 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">4 <span class=\"ls14 ws14\">550</span> </div></td><td></td><td class=\"c x460 y4565 w266 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">760</span> </div></td><td class=\"c x585 y4565 w267 hdb\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">23<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x587 y4565 w268 hdb\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">38<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4565 w267 hdb\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">202<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4565 w26a hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">023</span> </div></td><td class=\"c x58d y4565 w267 hdb\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">063</span> </div></td></tr><tr><td class=\"c x45e y4566 w10c h11a\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Ingjerd Blekeli S<span class=\"_ _1\"></span>piten, konserndi<span class=\"_ _1\"></span>rekt\u00f8r (til 05.0<span class=\"_ _1\"></span>5.24)<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x460 y4566 w266 h11a\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">1 <span class=\"ls14 ws14\">606</span> </div></td><td class=\"c x585 y4566 w267 h11a\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">270<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4566 w267 h11a\"><div class=\"t m2 x329 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">404<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y4566 w268 h11a\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">18<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4566 w267 h11a\"><div class=\"t m2 x1ab h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">52<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4566 w26a h11a\"><div class=\"t m2 x267 h125 y1fb2 ff31c fs16 fc21 sc0 ls0 ws0\">2 <span class=\"ls14 ws14\">350</span> </div></td><td></td></tr><tr><td class=\"c x45e y4567 w10c hda\"><div class=\"t m2 x19f h125 y1fa8 ff31c fs16 fc21 sc0 ls14 wsfa\">Even Graff  Weste<span class=\"_ _1\"></span>rveld, konsern<span class=\"_ _1\"></span>direkt\u00f8r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58b y4567 w269 hda\"><div class=\"t m2 x210 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">780</span> </div></td><td></td><td class=\"c x460 y4567 w266 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">3 <span class=\"ls14 ws14\">621</span> </div></td><td class=\"c x585 y4567 w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">648<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x586 y4567 w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">971<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x587 y4567 w268 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">115<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x589 y4567 w267 hda\"><div class=\"t m2 x329 h125 y1fa8 ff31c fs16 fc21 sc0 ls14 ws14\">151<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x58a y4567 w26a hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">5 <span class=\"ls14 ws14\">506</span> </div></td><td class=\"c x58d y4567 w267 hda\"><div class=\"t m2 x267 h125 y1fa8 ff31c fs16 fc21 sc0 ls0 ws0\">8 <span class=\"ls14 ws14\">348</span> </div></td></tr><tr><td class=\"c x45e y4568 w10c hdb\"><div class=\"t m2 x19f h125 y1fb2 ff31c fs16 fc21 sc0 ls14 wsfa\">Utl\u00e5n til \u00f8vrige<span class=\"_ _1\"></span> ansatte<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c x58a y4568 w26b hdb\"><div class=\"t m2 x1b8 h125 y1fb2 ff31c fs16 fc21 sc0 ls14 ws14\">30<span class=\"ls0 ws0\"> </span>550<span class=\"ls0 ws0\"> <span class=\"lsdc ws13d\">000</span></span><span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w111 h1db gs227\"><div class=\"t m2 x248 he2 y3277 ff31c fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hd8 y3278 ff31e fs53 fc21 sc0 ls0 ws0\">1 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Om<span class=\"_ _5\"></span>fatter l<span class=\"_ _5\"></span>\u00f8nnsut<span class=\"_ _5\"></span>betalin<span class=\"_ _5\"></span>ger f<span class=\"_ _5\"></span>or den d<span class=\"_ _5\"></span>elen av <span class=\"_ _5\"></span>\u00e5ret v<span class=\"_ _5\"></span>edkom<span class=\"_ _5\"></span>mende v<span class=\"_ _5\"></span>ar me<span class=\"_ _5\"></span>dlem a<span class=\"_ _5\"></span>v konser<span class=\"_ _5\"></span>nledel<span class=\"_ _5\"></span>sen.</span> </div><div class=\"t m2 x248 hd8 y3279 ff31e fs53 fc21 sc0 ls0 ws0\">2 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Varia<span class=\"_ _5\"></span>bel go<span class=\"_ _5\"></span>dtgj\u00f8r<span class=\"_ _5\"></span>else (e<span class=\"_ _5\"></span>ksklusi<span class=\"_ _5\"></span>v feri<span class=\"_ _5\"></span>epenge<span class=\"_ _5\"></span>r), op<span class=\"_ _5\"></span>ptjent i<span class=\"_ _5\"></span> 2024<span class=\"_ _5\"></span> for d<span class=\"_ _5\"></span>en perio<span class=\"_ _5\"></span>den <span class=\"_ _5\"></span>vedkom<span class=\"_ _5\"></span>mend<span class=\"_ _5\"></span>e var me<span class=\"_ _5\"></span>dlem av<span class=\"_ _5\"></span> konse<span class=\"_ _5\"></span>rnledel<span class=\"_ _5\"></span>sen.<span class=\"_ _5\"></span> </span> </div><div class=\"t m2 x248 hd8 y327a ff31e fs53 fc21 sc0 ls0 ws0\"> <span class=\"_ _166\"> </span><span class=\"lsab wscd\">Selska<span class=\"_ _5\"></span>pets or<span class=\"_ _5\"></span>dning<span class=\"_ _5\"></span>er for v<span class=\"_ _5\"></span>ariabel<span class=\"_ _5\"></span> godtg<span class=\"_ _5\"></span>j\u00f8rels<span class=\"_ _5\"></span>e ble <span class=\"_ _5\"></span>omgjo<span class=\"_ _5\"></span>rt i 20<span class=\"_ _5\"></span>23, slik a<span class=\"_ _5\"></span>t ordni<span class=\"_ _5\"></span>ngen<span class=\"_ _5\"></span> for in<span class=\"_ _5\"></span>dividuel<span class=\"_ _5\"></span>l vari<span class=\"_ _5\"></span>abel g<span class=\"_ _5\"></span>odtgj\u00f8<span class=\"_ _5\"></span>relse<span class=\"_ _5\"></span> og</span> <span class=\"lsab wscd\">ordnin<span class=\"_ _5\"></span>gen f<span class=\"_ _5\"></span>or kon<span class=\"_ _5\"></span>sernb<span class=\"_ _5\"></span>onus er </span></div><div class=\"t m2 x208 hd8 y327b ff31e fs53 fc21 sc0 lsab wscd\">gjensidi<span class=\"_ _5\"></span>g utel<span class=\"_ _5\"></span>ukken<span class=\"_ _5\"></span>de. For C<span class=\"_ _5\"></span>RO <span class=\"_ _5\"></span>og CCO yte<span class=\"_ _5\"></span>s det i<span class=\"_ _5\"></span>kke in<span class=\"_ _5\"></span>divid<span class=\"_ _5\"></span>uell vari<span class=\"_ _5\"></span>abel g<span class=\"_ _5\"></span>odtgj<span class=\"_ _5\"></span>\u00f8relse.<span class=\"_ _5\"></span> Disse t<span class=\"_ _5\"></span>o mott<span class=\"_ _5\"></span>ar derfo<span class=\"_ _5\"></span>r kons<span class=\"_ _5\"></span>ernbo<span class=\"_ _5\"></span>nus p\u00e5<span class=\"_ _5\"></span> linje m<span class=\"_ _5\"></span>ed \u00f8v<span class=\"_ _5\"></span>rige a<span class=\"_ _5\"></span>nsatte. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hd8 y327c ff31e fs53 fc21 sc0 ls0 ws0\">3 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Det e<span class=\"_ _5\"></span>r inng<span class=\"_ _5\"></span>\u00e5tt avt<span class=\"_ _5\"></span>ale om<span class=\"_ _5\"></span> fastl\u00f8<span class=\"_ _5\"></span>nnstill<span class=\"_ _5\"></span>egg fo<span class=\"_ _5\"></span>r enkel<span class=\"_ _5\"></span>te me<span class=\"_ _5\"></span>dlemmer <span class=\"_ _5\"></span>av kons<span class=\"_ _5\"></span>ernl<span class=\"_ _5\"></span>edelse<span class=\"_ _5\"></span>n, som<span class=\"_ _5\"></span> skal avs<span class=\"_ _5\"></span>ettes<span class=\"_ _5\"></span> til aksj<span class=\"_ _5\"></span>ekj\u00f8<span class=\"_ _5\"></span>p (se <span class=\"_ _5\"></span>beskrivel<span class=\"_ _5\"></span>se i Ret<span class=\"_ _5\"></span>nings<span class=\"_ _5\"></span>linjer f<span class=\"_ _5\"></span>or </span></div><div class=\"t m2 x208 hd8 y327d ff31e fs53 fc21 sc0 lsab wscd\">godtgj<span class=\"_ _5\"></span>\u00f8relse til<span class=\"_ _5\"></span> led<span class=\"_ _5\"></span>ende pe<span class=\"_ _5\"></span>rsone<span class=\"_ _5\"></span>r p\u00e5 dn<span class=\"_ _5\"></span>b.no). <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hd8 y327e ff31e fs53 fc21 sc0 ls0 ws0\">4 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">\u00c5rets <span class=\"_ _5\"></span>opptj<span class=\"_ _5\"></span>ente p<span class=\"_ _5\"></span>ensjons<span class=\"_ _5\"></span>retti<span class=\"_ _5\"></span>ghet (S<span class=\"_ _5\"></span>CC). B<span class=\"_ _5\"></span>eregni<span class=\"_ _5\"></span>ng av p<span class=\"_ _5\"></span>ensj<span class=\"_ _5\"></span>onsoppt<span class=\"_ _5\"></span>jenin<span class=\"_ _5\"></span>g er bas<span class=\"_ _5\"></span>ert p\u00e5 <span class=\"_ _5\"></span>de sam<span class=\"_ _5\"></span>me \u00f8k<span class=\"_ _5\"></span>onomis<span class=\"_ _5\"></span>ke og ak<span class=\"_ _5\"></span>tuarm<span class=\"_ _5\"></span>essig<span class=\"_ _5\"></span>e foruts<span class=\"_ _5\"></span>etnin<span class=\"_ _5\"></span>ger som<span class=\"_ _5\"></span> er </span></div><div class=\"t m2 x208 hd8 y327f ff31e fs53 fc21 sc0 lsab wscd\">benytte<span class=\"_ _5\"></span>t i note<span class=\"_ _5\"></span> K24 P<span class=\"_ _5\"></span>ensjo<span class=\"_ _5\"></span>ner. <span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hd8 y3280 ff31e fs53 fc21 sc0 lsab wscb\">5 <span class=\"ls0 ws0\"> <span class=\"_ _1bc\"> </span></span><span class=\"wscd\">Utl\u00e5n t<span class=\"_ _5\"></span>il aksj<span class=\"_ _5\"></span>on\u00e6rval<span class=\"_ _5\"></span>gte ti<span class=\"_ _5\"></span>llitsv<span class=\"_ _5\"></span>algte e<span class=\"_ _5\"></span>r gitt p<span class=\"_ _5\"></span>\u00e5 ordin\u00e6<span class=\"_ _5\"></span>re kun<span class=\"_ _5\"></span>devi<span class=\"_ _5\"></span>lk\u00e5r. Utl<span class=\"_ _5\"></span>\u00e5n til<span class=\"_ _5\"></span> ans<span class=\"_ _5\"></span>atte i DN<span class=\"_ _5\"></span>B er <span class=\"_ _5\"></span>gitt p\u00e5 f<span class=\"_ _5\"></span>unksj<span class=\"_ _5\"></span>on\u00e6rb<span class=\"_ _5\"></span>etingels<span class=\"_ _5\"></span>er, som e<span class=\"_ _5\"></span>r n\u00e6<span class=\"_ _5\"></span>r ordin\u00e6<span class=\"_ _5\"></span>re ku<span class=\"_ _5\"></span>ndevilk<span class=\"_ _5\"></span>\u00e5r.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hd8 y3281 ff31e fs53 fc21 sc0 ls0 ws0\">6 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Medl<span class=\"_ _5\"></span>em ogs<span class=\"_ _5\"></span>\u00e5 av s<span class=\"_ _5\"></span>tyrets k<span class=\"_ _5\"></span>ompe<span class=\"_ _5\"></span>nsasjon<span class=\"_ _5\"></span>s</span>- <span class=\"lsab wscd\">og org<span class=\"_ _5\"></span>anisas<span class=\"_ _5\"></span>jonsu<span class=\"_ _5\"></span>tvalg.<span class=\"_ _5\"></span></span> </div><div class=\"t m2 x248 hd8 y3282 ff31e fs53 fc21 sc0 ls0 ws0\">7 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Medl<span class=\"_ _5\"></span>em ogs<span class=\"_ _5\"></span>\u00e5 av s<span class=\"_ _5\"></span>tyrets <span class=\"_ _5\"></span>revisj<span class=\"_ _5\"></span>onsutv<span class=\"_ _5\"></span>alg og s<span class=\"_ _5\"></span>tyrets <span class=\"_ _5\"></span>risiko<span class=\"_ _5\"></span>utvalg.<span class=\"_ _5\"></span></span> </div><div class=\"t m2 x248 hd8 y3283 ff31e fs53 fc21 sc0 ls0 ws0\">8 <span class=\"_ _1b4\"> </span><span class=\"lsab wscd\">Ansat<span class=\"_ _5\"></span>tvalg<span class=\"_ _5\"></span>t styrem<span class=\"_ _5\"></span>edlem<span class=\"_ _5\"></span>.</span> </div><div class=\"t m2 x248 hcf y3284 ff31c fs55 fc21 sc0 ls0 ws0\"> </div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-452": {
   "value": "<div class=\"gsd3\"><table class=\"s w409 h537\" id=\"_66f4fc70-ab7d-439c-8a38-e068d5de5e39\"><tr><td class=\"c x425 y4569 w13c h136\"><div class=\"t m2 x19f hd1 y200d ff31d fs55 fc21 sc0 lsaf wsf6\">Godtgj\u00f8relse til valg<span class=\"_ _5\"></span>t revisor<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td></tr><tr><td class=\"c x425 y456a w13c hd7\"><div class=\"t m2 x19f hd8 y2401 ff31e fs53 fc21 sc0 lsab wscd\">Bel\u00f8p i t<span class=\"_ _5\"></span>usen k<span class=\"_ _5\"></span>roner, <span class=\"_ _5\"></span>ekskl<span class=\"_ _5\"></span>usive m<span class=\"_ _5\"></span>va.<span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y456a w6e hd7\"><div class=\"t m2 x204 hcc y2401 ff31c fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y456a w6e hd7\"><div class=\"t m2 x204 hcc y2401 ff31c fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x46f y456b w40a h4b8\"><div class=\"t m2 x3f4 hcc y3e5d ff31c fs53 fc21 sc0 lsab wsd0\">Lovp\u00e5la<span class=\"_ _5\"></span>gt revisj<span class=\"_ _5\"></span>on</div><div class=\"t m2 x59a h121 y3ebb ff31c fs58 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td></td><td class=\"c x44e y456c w6e hdd\"><div class=\"t m2 x3ac hcc y1da9 ff31c fs53 fc21 sc0 lsb2 wsf1\">(51<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">894</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y456c w6e hdd\"><div class=\"t m2 x3ac hcc y1da9 ff31c fs53 fc21 sc0 lsb2 wsf1\">(40<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">432</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x425 y456d w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff31c fs53 fc21 sc0 lsab wscd\">Andre a<span class=\"_ _5\"></span>ttestasj<span class=\"_ _5\"></span>onstj<span class=\"_ _5\"></span>enest<span class=\"_ _5\"></span>er  <span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y456d w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff31c fs53 fc21 sc0 lsb2 wsf1\">(8<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">207</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y456d w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff31c fs53 fc21 sc0 lsb2 wsf1\">(7<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">753</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x425 y456e w13c hdb\"><div class=\"t m2 x19f hcc y1db0 ff31c fs53 fc21 sc0 lsaa wscd\">Skatte<span class=\"ls0 ws0\">- <span class=\"lsab wsd0\">og avgi<span class=\"_ _5\"></span>ftsr<span class=\"_ _5\"></span>\u00e5dgivnin<span class=\"_ _5\"></span>g</span></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y456e w6e hdb\"><div class=\"t m2 x1b8 hcc y1db0 ff31c fs53 fc21 sc0 lsab wscb\">(673)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x46d y456e w6e hdb\"><div class=\"t m2 x19e hcc y1db0 ff31c fs53 fc21 sc0 lsb2 wsf1\">(1<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">506</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x425 y456f w13c hde\"><div class=\"t m2 x19f hcc y2401 ff31c fs53 fc21 sc0 lsab wscd\">Andre tje<span class=\"_ _5\"></span>neste<span class=\"_ _5\"></span>r uten<span class=\"_ _5\"></span>for rev<span class=\"_ _5\"></span>isjon <span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y456f w6e hde\"><div class=\"t m2 x1b8 hcc y2401 ff31c fs53 fc21 sc0 lsab wscb\">(451)<span class=\"ls0 ws0\"> </span></div></td><td></td></tr><tr><td class=\"c x425 y4570 w13c hdd\"><div class=\"t m2 x19f hdc y1da9 ff31d fs53 fc21 sc0 lsb3 wsf1\">Sum g<span class=\"_ _5\"></span>odt<span class=\"_ _5\"></span>gj\u00f8rel<span class=\"_ _5\"></span>se t<span class=\"_ _5\"></span>il val<span class=\"_ _5\"></span>gt re<span class=\"_ _5\"></span>visor<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td></td><td class=\"c x44e y4570 w6e hdd\"><div class=\"t m2 x3ac hdc y1da9 ff31d fs53 fc21 sc0 lsb2 wsf1\">(61<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">226</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td><td class=\"c x46d y4570 w6e hdd\"><div class=\"t m2 x3ac hdc y1da9 ff31d fs53 fc21 sc0 lsb2 wsf1\">(49<span class=\"ls0 ws0\"> <span class=\"lsab wscb\">690</span></span><span class=\"ls0 ws0\"><span class=\"lsab wscb\">)<span class=\"_ _5\"></span></span> </span></div></td></tr><tr><td class=\"c x3f6 y3e64 w2d6 h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff31e fs53 fc21 sc0 ls0 ws0\">1<span class=\"_ _1c5\"> </span></div></td><td class=\"c x410 y3e64 w40b h4b2\"><div class=\"t m2 x3f4 hd8 y3e62 ff31e fs53 fc21 sc0 lsab wscd\">Inklu<span class=\"_ _5\"></span>derer<span class=\"_ _5\"></span> honora<span class=\"_ _5\"></span>r for f<span class=\"_ _5\"></span>orenkl<span class=\"_ _5\"></span>et revis<span class=\"_ _5\"></span>orkont<span class=\"_ _5\"></span>roll.</div></td><td></td><td></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-453": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsc7\">Note K49 Opply<span class=\"_ _1\"></span>sninger om n\u00e6rst\u00e5ende parter<span class=\"_ _1c5\"> </span></div><div class=\"c w73 h2af gs22a\"><div class=\"t m2 x20e hcf y3305 ff325 fs55 fc21 sc0 lsbb ws102\">DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernets<span class=\"_ _5\"></span> st\u00f8rste eier er Staten v/N\u00e6rings</span>- <span class=\"lsaf wsf6\">og fiskeridepartement<span class=\"_ _5\"></span>et som eier og kontrollerer 34 prosent av aksjene i morselskapet DNB </span></span></div><div class=\"t m2 x20e hcf y3306 ff325 fs55 fc21 sc0 lsaf wsf6\">Bank ASA. Se note M45 St\u00f8rste aksjeeiere.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e he2 y3307 ff325 fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3308 ff325 fs55 fc21 sc0 lsaf wsf6\">Et stort antall bankt<span class=\"_ _5\"></span>ransaksjoner inng\u00e5s med n\u00e6rst\u00e5ende parter som del av de ordin\u00e6re forretningstransaks<span class=\"_ _5\"></span>jonene. Dette omfatter utl\u00e5n, </div><div class=\"t m2 x20e hcf y3309 ff325 fs55 fc21 sc0 lsaf wsf6\">innskudd og valutat<span class=\"_ _5\"></span>ransaksjoner. Transaksjonene inng\u00e5s til markedsm<span class=\"_ _5\"></span>essige betingelser. Tabellen nedenfor vis<span class=\"_ _5\"></span>er transaksjo<span class=\"wsd2\">ner med <span class=\"_ _5\"></span>n\u00e6r<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y330a ff325 fs55 fc21 sc0 lsaf wsf6\">st\u00e5ende parter som omfatter balanser per \u00e5rss<span class=\"_ _5\"></span>lutt og relaterte kostnader og inntekter for \u00e5ret. N\u00e6rst<span class=\"_ _5\"></span>\u00e5ende selskaper er tilkn<span class=\"wsd2\">yttede sel<span class=\"_ _5\"></span>skaper <span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x20e hcf y330b ff325 fs55 fc21 sc0 lsaf wsf6\">og Sparebankstift<span class=\"_ _5\"></span>elsen DNB. Se note K36 Investeringer etter egenkapitalmetoden f<span class=\"_ _5\"></span>or spesifikasjon av t<span class=\"wsd2\">ilknytt<span class=\"_ _5\"></span>ede selskaper. Utl\u00e5n t<span class=\"_ _5\"></span>il sty<span class=\"_ _5\"></span>re<span class=\"ls0 ws0\">-<span class=\"_ _1c5\"> </span></span></span></div><div class=\"t m2 x20e hcf y330c ff325 fs55 fc21 sc0 lsaf wsf6\">medlemmer og deres ektefell<span class=\"_ _5\"></span>er/samboere og umyndige barn er gitt p\u00e5 ordin\u00e6re kundevilk\u00e5r. Utl\u00e5n til konsernledelsen er, som fo<span class=\"lsc1 ws116\">r \u00f8vrige<span class=\"_ _5\"></span> </span></div><div class=\"t m2 x20e hcf y330d ff325 fs55 fc21 sc0 lsaf wsf6\">ansatte, gitt til funksj<span class=\"_ _5\"></span>on\u00e6rbetingelser som er n\u00e6r ordin\u00e6re kundevilk\u00e5r.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x20e hcf y330e ff325 fs55 fc21 sc0 ls0 ws0\"> </div></div><div class=\"gs22b\"><table class=\"s w40c h538\" id=\"_e8b2c0c0-9d67-4893-b8b1-cf34407af748\"><tr><td class=\"c x3db y4571 w275 h139\"><div class=\"t m2 x19f hd1 y1fa6 ff324 fs55 fc21 sc0 lsaf wsf6\">Transaksjon<span class=\"_ _5\"></span>er med n\u00e6rst\u00e5ende parter<span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"c x47a y4572 w146 hd7\"><div class=\"t m2 x249 hcc y1db0 ff325 fs53 fc21 sc0 lsab wsd0\">Konsernl<span class=\"_ _5\"></span>edels<span class=\"_ _5\"></span>e og styre <span class=\"ls0 ws0\"> </span></div></td><td></td><td></td><td class=\"c x3dd y4572 w1ca hd7\"><div class=\"t m2 x1e3 hcc y1db0 ff325 fs53 fc21 sc0 lsab wscd\">N\u00e6rst\u00e5<span class=\"_ _5\"></span>ende s<span class=\"_ _5\"></span>elskape<span class=\"_ _5\"></span>r <span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4573 w275 hd7\"><div class=\"t m2 x19f hd8 y1db0 ff326 fs53 fc21 sc0 lsa7 wsd1\">Bel\u00f8p i millioner kroner<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y4573 w114 hd7\"><div class=\"t m2 x249 hcc y1db0 ff325 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x436 y4573 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff325 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4573 w6f hd7\"><div class=\"t m2 x204 hcc y1db0 ff325 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4573 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff325 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4574 w275 hd9\"><div class=\"t m2 x19f hcc y1db0 ff325 fs53 fc21 sc0 lsab wsd0\">Utl\u00e5n per 31. des<span class=\"_ _5\"></span>embe<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y4574 w114 hd9\"><div class=\"t m2 x1e3 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">214</span> </div></td><td class=\"c x436 y4574 w6e hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">229</span> </div></td><td class=\"c x3dd y4574 w6f hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">157</span> </div></td><td class=\"c x3de y4574 w6e hd9\"><div class=\"t m2 x1b5 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">480</span> </div></td></tr><tr><td class=\"c x3db y4575 w275 hde\"><div class=\"t m2 x19f hcc y1da9 ff325 fs53 fc21 sc0 lsab wscd\">Innskud<span class=\"_ _5\"></span>d per 31<span class=\"_ _5\"></span>. desem<span class=\"_ _5\"></span>ber<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y4575 w114 hde\"><div class=\"t m2 x1e3 hcc y1da9 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">130</span> </div></td><td class=\"c x436 y4575 w6e hde\"><div class=\"t m2 x1b5 hcc y1da9 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">158</span> </div></td><td class=\"c x3dd y4575 w6f hde\"><div class=\"t m2 x2d7 hcc y1da9 ff325 fs53 fc21 sc0 ls0 ws0\"> 8 <span class=\"lsab wscb\">912</span> </div></td><td class=\"c x3de y4575 w6e hde\"><div class=\"t m2 x19e hcc y1da9 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\"></span><span class=\"lsab wscb\">10</span> <span class=\"lsab wscb\">776</span><span class=\"lsab wscb\"><span class=\"_ _5\"></span></span> </div></td></tr><tr><td class=\"c x3db y4576 w275 hdb\"><div class=\"t m2 x19f hcc y2369 ff325 fs53 fc21 sc0 lsab wscb\">Rentein<span class=\"_ _5\"></span>ntekter<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y4576 w114 hdb\"><div class=\"t m2 x227 hcc y2369 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">11</span> </div></td><td class=\"c x436 y4576 w6e hdb\"><div class=\"t m2 x1e3 hcc y2369 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">11</span> </div></td><td class=\"c x3dd y4576 w6f hdb\"><div class=\"t m2 x1e3 hcc y2369 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">12</span> </div></td><td class=\"c x3de y4576 w6e hdb\"><div class=\"t m2 x1e3 hcc y2369 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">36</span> </div></td></tr><tr><td class=\"c x3db y4577 w275 hda\"><div class=\"t m2 x19f hcc y1db0 ff325 fs53 fc21 sc0 lsab wscb\">Rentekos<span class=\"_ _5\"></span>tnade<span class=\"_ _5\"></span>r<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x47a y4577 w114 hda\"><div class=\"t m2 x208 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> 2 </div></td><td class=\"c x436 y4577 w6e hda\"><div class=\"t m2 x134 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> 3 </div></td><td class=\"c x3dd y4577 w6f hda\"><div class=\"t m2 x1e3 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">42</span> </div></td><td class=\"c x3de y4577 w6e hda\"><div class=\"t m2 x1e3 hcc y1db0 ff325 fs53 fc21 sc0 ls0 ws0\"> <span class=\"lsab wscb\">77</span> </div></td></tr></table></div><div class=\"c w73 h2af gs22a\"><div class=\"t m2 x20e hcf y3316 ff325 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y3317 ff325 fs55 fc21 sc0 lsaf wsf6\">Se note K48 for \u00f8vrige godtgj\u00f8relser og liknende til konsernl<span class=\"_ _5\"></span>edelse og styret. Transaksjoner med styrets varamedlemmer er ikke inkludert i </div><div class=\"t m2 x20e hcf y3318 ff325 fs55 fc21 sc0 lsaf wsf6\">tabellen ovenfor. Generelt<span class=\"_ _5\"></span> gjelder at l\u00e5n til ansatte i DNB skal l\u00f8pe p\u00e5 etterskuddsvis, m\u00e5nedlige terminer med auto<span class=\"wsd2\">mat<span class=\"_ _5\"></span>isk kontobelastning. </span></div><div class=\"t m2 x20e hcf y3319 ff325 fs55 fc21 sc0 lsaf wsf6\">Ansattes engasjement<span class=\"_ _5\"></span>er ligger innenfor de rammene for l\u00f8petid som gjelder for vanlige kundeforhold, og det er stilt sikkerhet<span class=\"ls0 ws0\"> <span class=\"_ _5\"></span></span><span class=\"wsd2\">for slike l<span class=\"_ _5\"></span>\u00e5n i </span></div><div class=\"t m2 x20e hcf y331a ff325 fs55 fc21 sc0 lsaf wsd2\">samsvar m<span class=\"_ _5\"></span>ed lovkrav. <span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-420": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gs22e\">Note K50 R<span class=\"_ _1\"></span>esultat per ak<span class=\"_ _1\"></span>sje<span class=\"_ _1c5\"> </span></div><div class=\"gs170\"><table class=\"s w40d h539\" id=\"_8b1c2ec8-0c5b-46b3-96dd-ff5d3464ca75\"><tr><td></td><td class=\"c x3dd y4578 w6f hd7\"><div class=\"t m2 x204 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">2025<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4578 w6e hd7\"><div class=\"t m2 x204 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">2024<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4579 w71 h11f\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span> for re<span class=\"_ _5\"></span>gnskap<span class=\"_ _5\"></span>s\u00e5ret <span class=\"_ _5\"></span>(mill<span class=\"_ _5\"></span>ioner k<span class=\"_ _5\"></span>roner)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4579 w6f h11f\"><div class=\"t m2 x1ba hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">43<span class=\"ls0 ws0\"> </span>586<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4579 w6e h11f\"><div class=\"t m2 x1ba hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">45<span class=\"ls0 ws0\"> </span>804<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y457a w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff328 fs53 fc21 sc0 lsab wscd\">Majorite<span class=\"_ _5\"></span>tsand<span class=\"_ _5\"></span>el av p<span class=\"_ _5\"></span>eriode<span class=\"_ _5\"></span>ns res<span class=\"_ _5\"></span>ultat (<span class=\"_ _5\"></span>mill<span class=\"_ _5\"></span>ioner kro<span class=\"_ _5\"></span>ner)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y457a w6f hde\"><div class=\"t m2 x1ba hcc y1da9 ff328 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>944<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y457a w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff328 fs53 fc21 sc0 lsab wscb\">43<span class=\"ls0 ws0\"> </span>870<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y457b w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Majorite<span class=\"_ _5\"></span>tsand<span class=\"_ _5\"></span>el av p<span class=\"_ _5\"></span>eriode<span class=\"_ _5\"></span>ns res<span class=\"_ _5\"></span>ultat e<span class=\"_ _5\"></span>ksklusiv<span class=\"_ _5\"></span>e vir<span class=\"_ _5\"></span>ksomh<span class=\"_ _5\"></span>et hold<span class=\"_ _5\"></span>t for s<span class=\"_ _5\"></span>alg (m<span class=\"_ _5\"></span>illione<span class=\"_ _5\"></span>r kroner<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y457b w6f hdb\"><div class=\"t m2 x1ba hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">41<span class=\"ls0 ws0\"> </span>862<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y457b w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">43<span class=\"ls0 ws0\"> </span>870<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y457c w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span> virks<span class=\"_ _5\"></span>omhet <span class=\"_ _5\"></span>og anl<span class=\"_ _5\"></span>eggsmi<span class=\"_ _5\"></span>dler h<span class=\"_ _5\"></span>oldt for<span class=\"_ _5\"></span> salg, e<span class=\"_ _5\"></span>tter sk<span class=\"_ _5\"></span>att (m<span class=\"_ _5\"></span>illion<span class=\"_ _5\"></span>er kro<span class=\"_ _5\"></span>ner)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y457c w6f hdb\"><div class=\"t m2 x227 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">82<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y457c w6e hdb\"><div class=\"t m2 x1b6 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">0 </div></td></tr><tr><td class=\"c x3db y457d w71 h11f\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wsd0\">Inng\u00e5end<span class=\"_ _5\"></span>e balans<span class=\"_ _5\"></span>e antall utes<span class=\"_ _5\"></span>t\u00e5end<span class=\"_ _5\"></span>e aksj<span class=\"_ _5\"></span>er (i hele 1000<span class=\"_ _5\"></span>)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y457d w6f h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">492</span> <span class=\"lsab wscb\">53<span class=\"_ _5\"></span>0</span> </div></td><td class=\"c x3de y457d w6e h11f\"><div class=\"t m2 x1e4 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">542</span> <span class=\"lsab wscb\">61<span class=\"_ _5\"></span>3</span> </div></td></tr><tr><td class=\"c x3db y457e w71 hde\"><div class=\"t m2 x19f hcc y1da9 ff328 fs53 fc21 sc0 lsab wsd0\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig antall sl<span class=\"_ _5\"></span>ettede aksj<span class=\"_ _5\"></span>er (i hele<span class=\"_ _5\"></span> 1000)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y457e w6f hde\"><div class=\"t m2 x248 hcc y1da9 ff328 fs53 fc21 sc0 ls0 ws0\">8 <span class=\"lsab wscb\">706</span> </div></td><td class=\"c x3de y457e w6e hde\"><div class=\"t m2 x1ba hcc y1da9 ff328 fs53 fc21 sc0 lsab wscb\">29<span class=\"ls0 ws0\"> </span>215<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y457f w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig be<span class=\"_ _5\"></span>holdnin<span class=\"_ _5\"></span>g egne a<span class=\"_ _5\"></span>ksje<span class=\"_ _5\"></span>r (i h<span class=\"_ _5\"></span>ele 1 0<span class=\"_ _5\"></span>00)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y457f w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">9 <span class=\"lsab wscb\">590</span> </div></td><td class=\"c x3de y457f w6e hdb\"><div class=\"t m2 x1ba hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">18<span class=\"ls0 ws0\"> </span>121<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4580 w71 hd9\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig ant<span class=\"_ _5\"></span>all aksj<span class=\"_ _5\"></span>er eks<span class=\"_ _5\"></span>. behol<span class=\"_ _5\"></span>dnin<span class=\"_ _5\"></span>g av e<span class=\"_ _5\"></span>gne aks<span class=\"_ _5\"></span>jer (i <span class=\"_ _5\"></span>hele 1 <span class=\"_ _5\"></span>000)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4580 w6f hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">474</span> <span class=\"lsab wscb\">23<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x3de y4580 w6e hd9\"><div class=\"t m2 x1e4 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">495</span> <span class=\"lsab wscb\">27<span class=\"_ _5\"></span>7</span> </div></td></tr><tr><td class=\"c x3db y4581 w71 hda\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Gjennom<span class=\"_ _5\"></span>snittl<span class=\"_ _5\"></span>ig ant<span class=\"_ _5\"></span>all aksj<span class=\"_ _5\"></span>er eks<span class=\"_ _5\"></span>. behol<span class=\"_ _5\"></span>dnin<span class=\"_ _5\"></span>g av e<span class=\"_ _5\"></span>gne aks<span class=\"_ _5\"></span>jer, ut<span class=\"_ _5\"></span>vanne<span class=\"_ _5\"></span>t (i hel<span class=\"_ _5\"></span>e 1 000)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4581 w6f hda\"><div class=\"t m2 x1e4 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">474</span> <span class=\"lsab wscb\">23<span class=\"_ _5\"></span>4</span> </div></td><td class=\"c x3de y4581 w6e hda\"><div class=\"t m2 x1e4 hcc y1db0 ff328 fs53 fc21 sc0 ls0 ws0\">1 <span class=\"lsab wscb\">495</span> <span class=\"lsab wscb\">27<span class=\"_ _5\"></span>7</span> </div></td></tr><tr><td class=\"c x3db y4582 w71 hdd\"><div class=\"t m2 x19f hcc y1da9 ff328 fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>/utva<span class=\"_ _5\"></span>nnet res<span class=\"_ _5\"></span>ulta<span class=\"_ _5\"></span>t per aks<span class=\"_ _5\"></span>je (k<span class=\"_ _5\"></span>roner)<span class=\"_ _5\"></span><span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4582 w6f hdd\"><div class=\"t m2 x248 hcc y1da9 ff328 fs53 fc21 sc0 lsab wscb\">28,45<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4582 w6e hdd\"><div class=\"t m2 x248 hcc y1da9 ff328 fs53 fc21 sc0 lsab wscb\">29,34<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4583 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>/utva<span class=\"_ _5\"></span>nnet res<span class=\"_ _5\"></span>ulta<span class=\"_ _5\"></span>t per aks<span class=\"_ _5\"></span>je eks<span class=\"_ _5\"></span>klusive<span class=\"_ _5\"></span> virks<span class=\"_ _5\"></span>omhet h<span class=\"_ _5\"></span>oldt fo<span class=\"_ _5\"></span>r salg (<span class=\"_ _5\"></span>krone<span class=\"_ _5\"></span>r)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4583 w6f hdb\"><div class=\"t m2 x248 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">28,40<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4583 w6e hdb\"><div class=\"t m2 x248 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">29,34<span class=\"ls0 ws0\"> </span></div></td></tr><tr><td class=\"c x3db y4584 w71 hdb\"><div class=\"t m2 x19f hcc y1db0 ff328 fs53 fc21 sc0 lsab wscd\">Resultat<span class=\"_ _5\"></span>/utva<span class=\"_ _5\"></span>nnet res<span class=\"_ _5\"></span>ulta<span class=\"_ _5\"></span>t per aks<span class=\"_ _5\"></span>je, vir<span class=\"_ _5\"></span>ksomhet<span class=\"_ _5\"></span> holdt <span class=\"_ _5\"></span>for sal<span class=\"_ _5\"></span>g (kro<span class=\"_ _5\"></span>ner)<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3dd y4584 w6f hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">0,06<span class=\"ls0 ws0\"> </span></div></td><td class=\"c x3de y4584 w6e hdb\"><div class=\"t m2 x1b5 hcc y1db0 ff328 fs53 fc21 sc0 lsab wscb\">0,00<span class=\"ls0 ws0\"> </span></div></td></tr></table></div><div class=\"c w73 h2c5 gs230\"><div class=\"t m2 x20e hcf y334a ff328 fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x20e hcf y334b ff328 fs55 fc21 sc0 lsaf wsf6\">N\u00f8kkeltal<span class=\"_ _5\"></span>let resultat per aksje har som hovedform\u00e5l \u00e5 vise avkastning til konsernets ordin\u00e6re aksj<span class=\"_ _5\"></span>on\u00e6rer. P\u00e5l\u00f8pte renter i perioden, som skal </div><div class=\"t m2 x20e hcf y334c ff328 fs55 fc21 sc0 lsaf wsf6\">utbetales til hybridk<span class=\"_ _5\"></span>apitalinvestorene, har derf<span class=\"_ _5\"></span>or blitt trukket fra resultat for perioden i beregningen av periodens res<span class=\"_ _5\"></span>ultat per aksje.<span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-27": {
   "value": "Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes n\u00e5r det er sannsynlig at banken m\u00e5 gj\u00f8re opp <span class=\"_ _1\"></span>en eksist<span class=\"_ _5\"></span>erende plikt, som er et resultat av en tidligere hendelse, og forpliktel<span class=\"_ _5\"></span>sen kan estimeres p\u00e5litelig.<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes til<span class=\"_ _5\"></span> beste estimat. E<span class=\"_ _5\"></span>stimatet gjennom<span class=\"_ _5\"></span><span class=\"wsf6\">g\u00e5s ved hver rapportering og justeres ved behov.<span class=\"ls0 ws0\"> </span></span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-421": {
   "value": "<div class=\"t m2 h11 ff3 fsa fc3 sc0 ls0 ws0 gsd1\">Note K51 Be<span class=\"_ _1\"></span>tingede utf<span class=\"_ _1\"></span>all<span class=\"_ _1c5\"> </span></div><div class=\"c w111 h153 gs232\"><div class=\"t m2 x248 h12e y32e4 ff32b fs5a fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 h12e y2d2a ff32b fs5a fc21 sc0 lsc0 ws109\">Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y2729 ff32a fs55 fc21 sc0 lsaf wsf6\">Avsetni<span class=\"_ _5\"></span>nger innregnes n\u00e5r det er sannsynlig at banken m\u00e5 gj\u00f8re opp <span class=\"_ _1\"></span>en eksist<span class=\"_ _5\"></span>erende plikt, som er et resultat av en tidligere hendelse, og </div><div class=\"t m2 x248 hcf y272a ff32a fs55 fc21 sc0 lsaf wsf6\">forpliktel<span class=\"_ _5\"></span>sen kan estimeres p\u00e5litelig.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y32e5 ff32a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y32e6 ff32a fs55 fc21 sc0 lsaf wsd2\">Avsetni<span class=\"_ _5\"></span>nger innregnes til<span class=\"_ _5\"></span> beste estimat. E<span class=\"_ _5\"></span>stimatet gjennom<span class=\"_ _5\"></span><span class=\"wsf6\">g\u00e5s ved hver rapportering og justeres ved behov.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 hcf y2360 ff32a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2361 ff32a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2362 ff32a fs55 fc21 sc0 lsbb ws102\">DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet vil<span class=\"_ _5\"></span>, som en konsekvens av omfattende virksomhet i Norge og i utlandet, regelmessig v\u00e6re part i en rekke retts<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>katte</span></span>-<span class=\"_ _1c5\"> </span></span></div><div class=\"t m2 x248 hcf y264e ff32a fs55 fc21 sc0 lsaf wsf6\">relaterte tvis<span class=\"_ _5\"></span>ter. Ingen av disse tvistene anses \u00e5 ha vesentlig betydning for vurdering av konsernets finansiell<span class=\"_ _5\"></span>e stillin<span class=\"lsbd ws104\">g.<span class=\"ls0 ws0\"> </span></span></div><div class=\"t m2 x248 he2 y32e7 ff32a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y32e8 ff32a fs55 fc21 sc0 lsaf wsf6\">I samsvar med en dom i den svenske patent<span class=\"lscf ws126\">- </span><span class=\"wsd2\">og <span class=\"_ _5\"></span>markedsdomstolen (Pat<span class=\"_ _5\"></span>ent<span class=\"lsc1 wsce\">- </span></span>och marknadsdomstol<span class=\"_ _5\"></span>en) datert 14. mai 2025 vedr\u00f8rende DNB </div><div class=\"t m2 x248 hcf y32e9 ff32a fs55 fc21 sc0 lsaf wsd2\">Finans Sveri<span class=\"_ _5\"></span>ges produkter m<span class=\"_ _5\"></span>ed variabel leas<span class=\"_ _5\"></span>ingavgift, har <span class=\"_ _5\"></span>DNB Finans Sv<span class=\"_ _5\"></span>erige tilpass<span class=\"_ _5\"></span>et sine tjenest<span class=\"_ _5\"></span>er knyttet ti<span class=\"_ _5\"></span>l leasing av <span class=\"_ _5\"></span><span class=\"ls0 ws0\">p<span class=\"lsb9 ws123\">rivatbiler til </span></span></div><div class=\"t m2 x248 hcf y32ea ff32a fs55 fc21 sc0 lsaf wsf6\">forbrukere. Det svensk<span class=\"_ _5\"></span>e forbrukerombudet (Konsumentombudsmannen) har p\u00e5 vegne av leasingkunder s<span class=\"_ _5\"></span>om ble gjenstand for avgiftsj<span class=\"wscf\">usteringer </span></div><div class=\"t m2 x248 hcf y32eb ff32a fs55 fc21 sc0 lsaf wsf6\">i perioden juni 2020 til februar 2023, opprett<span class=\"_ _5\"></span>et en klagesak i det svenske forbrukerklageutvalget (Al<span class=\"_ _5\"></span>lm\u00e4nna reklamationsn\u00e4mnden) med krav om </div><div class=\"t m2 x248 hcf y32ec ff32a fs55 fc21 sc0 lsaf wsf6\">at den tidligere bestemmelsen om avgifts<span class=\"_ _5\"></span>justeringer oppheves med tilbakev<span class=\"_ _5\"></span>irkende kraft, og at for mye betalt leasingavgift ti<span class=\"wsd2\">lbakebetal<span class=\"_ _5\"></span>es med </span></div><div class=\"t m2 x248 hcf y32ed ff32a fs55 fc21 sc0 lsaf wsf6\">renter. Utvalgets<span class=\"_ _5\"></span> avgj\u00f8relser er r\u00e5dgivende og ikke bindende for partene. DNB Finans Sverige bestri<span class=\"_ _5\"></span>der disse kravene, og det er ikke foretatt </div><div class=\"t m2 x248 hcf y32ee ff32a fs55 fc21 sc0 lsaf wsf6\">noen avsetninger f<span class=\"_ _5\"></span>or dette i regnskapet.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y32ef ff32a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y32f0 ff32a fs55 fc21 sc0 lsaf wsd2\">DNB Boligk<span class=\"_ _5\"></span>reditt AS <span class=\"wscf\">\u2013 <span class=\"_ _5\"></span><span class=\"wsf6\">et heleid datterselskap av DNB Bank ASA <span class=\"lsdd ws13f\">\u2013 </span>har bestridt en r\u00e5dgivende og ikke<span class=\"ls0 ws0\">-</span>bindende flert<span class=\"_ _5\"></span>allsavgj\u00f8relse (3 mot 2) i </span></span></div><div class=\"t m2 x248 hcf y32f1 ff32a fs55 fc21 sc0 lsaf wsf6\">Finansklagenem<span class=\"_ _5\"></span>nda (FinKN) i fav\u00f8r av en <span class=\"_ _1\"></span>kunde v<span class=\"_ _5\"></span>edr\u00f8rende punkter om rentejustering i boligl\u00e5ns<span class=\"_ _5\"></span>avtaler med flytende r<span class=\"wsd2\">ente. F<span class=\"_ _5\"></span>inKN konkluderte </span></div><div class=\"t m2 x248 hcf y32f2 ff32a fs55 fc21 sc0 lsaf wsf6\">med at punktet om rentejustering var uklart og dermed urimelig. Fi<span class=\"_ _5\"></span>nKN vurderte ikke de juridiske konsekvensene av denne konkl<span class=\"_ _5\"></span><span class=\"wscf\">usjonen, </span></div><div class=\"t m2 x248 hcf y32f3 ff32a fs55 fc21 sc0 lsaf wsf6\">herunder om den kunne f\u00f8re til erstatningsk<span class=\"_ _5\"></span>rav. DNB fastholder at punktene er lovlige, og at det i<span class=\"wsd2\">kke foreligger ret<span class=\"_ _5\"></span>tslig grunnl<span class=\"_ _5\"></span>ag for </span></div><div class=\"t m2 x248 hcf y32f4 ff32a fs55 fc21 sc0 lsaf wsf6\">erstatni<span class=\"_ _5\"></span>ngskrav. Det er derfor ikke foretatt noen avsetninger for dette i regnskapet. DNB fastholder at rentejusteri<span class=\"_ _5\"></span>ngsvilk\u00e5rene er fastsatt<span class=\"_ _5\"></span> i </div><div class=\"t m2 x248 hcf y32f5 ff32a fs55 fc21 sc0 lsaf wsf6\">samsvar med norsk lov og mange\u00e5rige bransjest<span class=\"_ _5\"></span>andarder, og at de er godtatt av b\u00e5de tilsynsmyndigheter og lovgivere. <span class=\"wsd2\">Liknende k<span class=\"_ _5\"></span>lager mot </span></div><div class=\"t m2 x248 hcf y32f6 ff32a fs55 fc21 sc0 lsaf wsf6\">banker som utsteder boligl<span class=\"_ _5\"></span>\u00e5n med flytende rente i Norge kan forekomme. Dersom en slik sak skulle bli brakt inn for retten i Norge, vil DNB </div><div class=\"t m2 x248 hcf y32f7 ff32a fs55 fc21 sc0 lsaf wsd2\">forsvare s<span class=\"_ _5\"></span>itt standpunkt.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 hcf y32f8 ff32a fs55 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y32f9 ff32a fs55 fc21 sc0 lsbc ws103\">I <span class=\"lsaf wsf6\">2023 avsa EU<span class=\"ls0 ws0\">-</span>domstolen dom i en rettssak mot en polsk bank uten tilknytning til DNB, om valutal\u00e5n i Polen. Dommen innebar en avklaring av </span></div><div class=\"t m2 x248 hcf y32fa ff32a fs55 fc21 sc0 lsaf wsf6\">hvilke krav partene i en l\u00e5neavtale kan rette mot hverandre ders<span class=\"_ _5\"></span>om en nasjonal domstol finner at en l\u00e5neavtale er ugyl<span class=\"lsbd\">d<span class=\"_ _5\"></span>ig.<span class=\"_ _5\"></span> E<span class=\"_ _5\"></span>U<span class=\"ls0 ws0\">-</span></span><span class=\"wscf\">domstolens </span></div><div class=\"t m2 x248 hcf y32fb ff32a fs55 fc21 sc0 lsaf wsf6\">avgj\u00f8relse p\u00e5virk<span class=\"_ _5\"></span>er andre polske banker med tilsvarende l\u00e5neavtaler. Basert p\u00e5 avklaringen fra E<span class=\"_ _5\"></span>U<span class=\"ls0 ws0\">-</span>domstolen ansl\u00e5r DNB Polen at det er en </div><div class=\"t m2 x248 hcf y32fc ff32a fs55 fc21 sc0 lsaf wsf6\">\u00f8kt juridisk risik<span class=\"_ _5\"></span>o knyttet til portef\u00f8ljen for valutal<span class=\"_ _5\"></span>\u00e5n, som er under a<span class=\"_ _1\"></span>vvik<span class=\"_ _5\"></span>ling. Totalt utl\u00e5n til kunder per 31. desember var 3,5 milliarder kroner og </div><div class=\"t m2 x248 hcf y32fd ff32a fs55 fc21 sc0 lsaf wsf6\">total avsetni<span class=\"_ _5\"></span>ng var 1,4 milliarder kroner. Avsetningen benyttes l\u00f8pende til individuell<span class=\"_ _5\"></span>e dommer og forlik, og akkumulert utbetaling til kunder var </div><div class=\"t m2 x248 hcf y32fe ff32a fs55 fc21 sc0 lsaf wsf6\">638 millioner kroner.<span class=\"_ _5\"></span> Konsernet har innregnet avsetningen i regnskapet ved \u00e5 redusere brutto bokf\u00f8rt verdi i tr\u00e5d med IFRS 9. Hvis den </div><div class=\"t m2 x248 hcf y32ff ff32a fs55 fc21 sc0 lsaf wsf6\">innregnede eksponeri<span class=\"_ _5\"></span>ngen er utilstrekkelig, vil avset<span class=\"_ _5\"></span>ningene bli innregnet i samsvar med IAS 37. \u00d8kningen i avsetning er pres<span class=\"lsbd\">e<span class=\"_ _5\"></span>nte<span class=\"_ _5\"></span>rt<span class=\"_ _5\"></span> s<span class=\"_ _5\"></span>om </span></div><div class=\"t m2 x248 hcf y3300 ff32a fs55 fc21 sc0 lsaf wsf6\">\u00abimpairment of financi<span class=\"_ _5\"></span>al instruments\u00bb (ECL) i resultatregnskapet.<span class=\"ls0 ws0\"> </span></div><div class=\"t m2 x248 he2 y2d43 ff32a fs56 fc21 sc0 ls0 ws0\"> </div><div class=\"t m2 x248 hcf y2d44 ff32a fs55 fc21 sc0 lsaf wsf6\">Se note K25 Skatt for mer informasjon om usikre skatteforpl<span class=\"_ _5\"></span>iktelser.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-458": {
   "value": "Note K51 Be<span class=\"_ _1\"></span>tingede utf<span class=\"_ _1\"></span>all<span class=\"_ _1c5\"> </span>Regnskap<span class=\"_ _5\"></span>sprins<span class=\"_ _5\"></span>ipper<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes n\u00e5r det er sannsynlig at banken m\u00e5 gj\u00f8re opp <span class=\"_ _1\"></span>en eksist<span class=\"_ _5\"></span>erende plikt, som er et resultat av en tidligere hendelse, og forpliktel<span class=\"_ _5\"></span>sen kan estimeres p\u00e5litelig.<span class=\"ls0 ws0\"> </span>Avsetni<span class=\"_ _5\"></span>nger innregnes til<span class=\"_ _5\"></span> beste estimat. E<span class=\"_ _5\"></span>stimatet gjennom<span class=\"_ _5\"></span><span class=\"wsf6\">g\u00e5s ved hver rapportering og justeres ved behov.<span class=\"ls0 ws0\"> </span></span>DNB<span class=\"ls0 ws0\">-<span class=\"lsaf wsf6\">konsernet vil<span class=\"_ _5\"></span>, som en konsekvens av omfattende virksomhet i Norge og i utlandet, regelmessig v\u00e6re part i en rekke retts<span class=\"lsc1 wsce\">- </span><span class=\"wsd2\">og s<span class=\"_ _5\"></span>katte</span></span>-<span class=\"_ _1c5\"> </span></span>relaterte tvis<span class=\"_ _5\"></span>ter. Ingen av disse tvistene anses \u00e5 ha vesentlig betydning for vurdering av konsernets finansiell<span class=\"_ _5\"></span>e stillin<span class=\"lsbd ws104\">g.<span class=\"ls0 ws0\"> </span></span>I samsvar med en dom i den svenske patent<span class=\"lscf ws126\">- </span><span class=\"wsd2\">og <span class=\"_ _5\"></span>markedsdomstolen (Pat<span class=\"_ _5\"></span>ent<span class=\"lsc1 wsce\">- </span></span>och marknadsdomstol<span class=\"_ _5\"></span>en) datert 14. mai 2025 vedr\u00f8rende DNB Finans Sveri<span class=\"_ _5\"></span>ges produkter m<span class=\"_ _5\"></span>ed variabel leas<span class=\"_ _5\"></span>ingavgift, har <span class=\"_ _5\"></span>DNB Finans Sv<span class=\"_ _5\"></span>erige tilpass<span class=\"_ _5\"></span>et sine tjenest<span class=\"_ _5\"></span>er knyttet ti<span class=\"_ _5\"></span>l leasing av <span class=\"_ _5\"></span><span class=\"ls0 ws0\">p<span class=\"lsb9 ws123\">rivatbiler til </span></span>forbrukere. Det svensk<span class=\"_ _5\"></span>e forbrukerombudet (Konsumentombudsmannen) har p\u00e5 vegne av leasingkunder s<span class=\"_ _5\"></span>om ble gjenstand for avgiftsj<span class=\"wscf\">usteringer </span>i perioden juni 2020 til februar 2023, opprett<span class=\"_ _5\"></span>et en klagesak i det svenske forbrukerklageutvalget (Al<span class=\"_ _5\"></span>lm\u00e4nna reklamationsn\u00e4mnden) med krav om at den tidligere bestemmelsen om avgifts<span class=\"_ _5\"></span>justeringer oppheves med tilbakev<span class=\"_ _5\"></span>irkende kraft, og at for mye betalt leasingavgift ti<span class=\"wsd2\">lbakebetal<span class=\"_ _5\"></span>es med </span>renter. Utvalgets<span class=\"_ _5\"></span> avgj\u00f8relser er r\u00e5dgivende og ikke bindende for partene. DNB Finans Sverige bestri<span class=\"_ _5\"></span>der disse kravene, og det er ikke foretatt noen avsetninger f<span class=\"_ _5\"></span>or dette i regnskapet.<span class=\"ls0 ws0\"> </span>DNB Boligk<span class=\"_ _5\"></span>reditt AS <span class=\"wscf\">\u2013 <span class=\"_ _5\"></span><span class=\"wsf6\">et heleid datterselskap av DNB Bank ASA <span class=\"lsdd ws13f\">\u2013 </span>har bestridt en r\u00e5dgivende og ikke<span class=\"ls0 ws0\">-</span>bindende flert<span class=\"_ _5\"></span>allsavgj\u00f8relse (3 mot 2) i </span></span>Finansklagenem<span class=\"_ _5\"></span>nda (FinKN) i fav\u00f8r av en <span class=\"_ _1\"></span>kunde v<span class=\"_ _5\"></span>edr\u00f8rende punkter om rentejustering i boligl\u00e5ns<span class=\"_ _5\"></span>avtaler med flytende r<span class=\"wsd2\">ente. F<span class=\"_ _5\"></span>inKN konkluderte </span>med at punktet om rentejustering var uklart og dermed urimelig. Fi<span class=\"_ _5\"></span>nKN vurderte ikke de juridiske konsekvensene av denne konkl<span class=\"_ _5\"></span><span class=\"wscf\">usjonen, </span>herunder om den kunne f\u00f8re til erstatningsk<span class=\"_ _5\"></span>rav. DNB fastholder at punktene er lovlige, og at det i<span class=\"wsd2\">kke foreligger ret<span class=\"_ _5\"></span>tslig grunnl<span class=\"_ _5\"></span>ag for </span>erstatni<span class=\"_ _5\"></span>ngskrav. Det er derfor ikke foretatt noen avsetninger for dette i regnskapet. DNB fastholder at rentejusteri<span class=\"_ _5\"></span>ngsvilk\u00e5rene er fastsatt<span class=\"_ _5\"></span> i samsvar med norsk lov og mange\u00e5rige bransjest<span class=\"_ _5\"></span>andarder, og at de er godtatt av b\u00e5de tilsynsmyndigheter og lovgivere. <span class=\"wsd2\">Liknende k<span class=\"_ _5\"></span>lager mot </span>banker som utsteder boligl<span class=\"_ _5\"></span>\u00e5n med flytende rente i Norge kan forekomme. Dersom en slik sak skulle bli brakt inn for retten i Norge, vil DNB forsvare s<span class=\"_ _5\"></span>itt standpunkt.<span class=\"ls0 ws0\"> </span>I <span class=\"lsaf wsf6\">2023 avsa EU<span class=\"ls0 ws0\">-</span>domstolen dom i en rettssak mot en polsk bank uten tilknytning til DNB, om valutal\u00e5n i Polen. Dommen innebar en avklaring av </span>hvilke krav partene i en l\u00e5neavtale kan rette mot hverandre ders<span class=\"_ _5\"></span>om en nasjonal domstol finner at en l\u00e5neavtale er ugyl<span class=\"lsbd\">d<span class=\"_ _5\"></span>ig.<span class=\"_ _5\"></span> E<span class=\"_ _5\"></span>U<span class=\"ls0 ws0\">-</span></span><span class=\"wscf\">domstolens </span>avgj\u00f8relse p\u00e5virk<span class=\"_ _5\"></span>er andre polske banker med tilsvarende l\u00e5neavtaler. Basert p\u00e5 avklaringen fra E<span class=\"_ _5\"></span>U<span class=\"ls0 ws0\">-</span>domstolen ansl\u00e5r DNB Polen at det er en \u00f8kt juridisk risik<span class=\"_ _5\"></span>o knyttet til portef\u00f8ljen for valutal<span class=\"_ _5\"></span>\u00e5n, som er under a<span class=\"_ _1\"></span>vvik<span class=\"_ _5\"></span>ling. Totalt utl\u00e5n til kunder per 31. desember var 3,5 milliarder kroner og total avsetni<span class=\"_ _5\"></span>ng var 1,4 milliarder kroner. Avsetningen benyttes l\u00f8pende til individuell<span class=\"_ _5\"></span>e dommer og forlik, og akkumulert utbetaling til kunder var 638 millioner kroner.<span class=\"_ _5\"></span> Konsernet har innregnet avsetningen i regnskapet ved \u00e5 redusere brutto bokf\u00f8rt verdi i tr\u00e5d med IFRS 9. Hvis den innregnede eksponeri<span class=\"_ _5\"></span>ngen er utilstrekkelig, vil avset<span class=\"_ _5\"></span>ningene bli innregnet i samsvar med IAS 37. \u00d8kningen i avsetning er pres<span class=\"lsbd\">e<span class=\"_ _5\"></span>nte<span class=\"_ _5\"></span>rt<span class=\"_ _5\"></span> s<span class=\"_ _5\"></span>om </span>\u00abimpairment of financi<span class=\"_ _5\"></span>al instruments\u00bb (ECL) i resultatregnskapet.<span class=\"ls0 ws0\"> </span>Se note K25 Skatt for mer informasjon om usikre skatteforpl<span class=\"_ _5\"></span>iktelser.<span class=\"_ _1c5\"> </span><span class=\"ls0 ws0\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "nb",
    "entity": "scheme:549300GKFG0RYRRQ1414",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  }
 }
}