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   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 1 \u2013 Generell inf<span class=\"_ _0\"></span>ormasjon<span class=\"_ _2cc\"> </span></div>Beskrivelse av virk<span class=\"_ _0\"></span>somheten<span class=\"_ _2cc\"> </span>SpareBank 1 Ringerike Hadeland har til f<span class=\"_ _0\"></span>orm\u00e5l \u00e5 frem-<span class=\"_ _2cc\"> </span>me sparing ved \u00e5 ta imot innskudd fra en ubestemt krets av innskyter<span class=\"_ _0\"></span>e, lever<span class=\"_ _0\"></span>e finansielle tjenester til publi-<span class=\"_ _2cc\"> </span>kum, n\u00e6ringsliv og offentlig sektor<span class=\"_ _1\"></span>, og \u00e5 forvalte p\u00e5 trygg m\u00e5te de midler den r\u00e5r over i samsvar med de lovregler som til enhv<span class=\"_ _0\"></span>er tid gjelder for sparebank<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Bankens f<span class=\"_ _0\"></span>orm\u00e5l er \u00e5 yte investeringstjenester og tilknyttede tjenester innenfor rammen a<span class=\"_ _0\"></span>v verdipapir-<span class=\"_ _2cc\"> </span>handelloven. Bank<span class=\"_ _0\"></span>en kan utf\u00f8re alle vanlige bankf<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>retninger og finansielle tjenester i samsvar med den til enhver gjeldende lov<span class=\"_ _0\"></span>givning.<span class=\"_ _2cc\"> </span>Bankens f<span class=\"_ _0\"></span>orretningside er \u00e5 v\u00e6re en solid, l\u00f8nnsom og selvstendig sparebank i mark<span class=\"_ _0\"></span>edsomr\u00e5dene Ringeriks- og Hadelandsregionen og i Nittedalsomr\u00e5det. Banken skal tilby et bredt spekter a<span class=\"_ _0\"></span>v finansielle tjenester til personkunder<span class=\"_ _1\"></span>, sm\u00e5 og mellomstore bedrifter og of-<span class=\"_ _2cc\"> </span>fentlig sektor i bank<span class=\"_ _0\"></span>ens virkeomr\u00e5de.<span class=\"_ _2cc\"> </span>Bankens visjon, ver<span class=\"_ _0\"></span>dier<span class=\"_ _1\"></span>, m\u00e5l og forretningside er ved-<span class=\"_ _2cc\"> </span>tatt av styret og inntatt i \u00e5r<span class=\"_ _0\"></span>srapporten. Konsernet Spar<span class=\"_ _0\"></span>eBank 1 Ringerike Hadeland SpareBank 1 Ringerike Hadeland har sitt ho<span class=\"_ _0\"></span>vedkontor p\u00e5 H\u00f8nefoss, S\u00f8ndre T<span class=\"_ _141\"></span>orv 6, i Ringerike kommune (morbank) og lokalbanker i k<span class=\"_ _0\"></span>ommunene Ringerike, Jevnak<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, Nittedal<span class=\"_ _3\"></span> og Gran. Hoveddelen a<span class=\"_ _0\"></span>v lokalbankene er samlokalisert med Eiendomsmegleren Ringerike Hadeland AS. Konsernet Spar<span class=\"_ _0\"></span>eBank 1 Ringerike Hadeland best\u00e5r av morbanken, datterselskapet Eiendomsmegler<span class=\"_ _0\"></span>en Ringe<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>rike Hadeland AS (100 % eierandel) og datterselskapet SpareBank 1 \u00d8konomihuset AS (100 % eierandel).<span class=\"_ _2cc\"> </span>SpareBank 1 Ringerike Hadeland er notert p\u00e5 Oslo B\u00f8rs (\"RING\"). \u00c5rsregnskapet f<span class=\"_ _0\"></span>or 2025 ble vedtatt av styr<span class=\"_ _0\"></span>et 13. februar 2026.<span class=\"_ _2cc\"> </span>Felleskontr<span class=\"_ _0\"></span>ollert virksomhet En fellesk<span class=\"_ _0\"></span>ontrollert virksomhet er en virksomhet der to eller flere parter har felles k<span class=\"_ _0\"></span>ontroll og er kjenneteg-<span class=\"_ _2cc\"> </span>net ved at partene er bundet av en k<span class=\"_ _0\"></span>ontraktsregulert ordning som gir to eller flere a<span class=\"_ _0\"></span>v disse partene felles kontroll o<span class=\"_ _0\"></span>ver den fellesk<span class=\"_ _0\"></span>ontrollerte virksomheten.<span class=\"_ _2cc\"> </span>SpareBank 1 Gruppen eies med 19,5 prosent hv<span class=\"_ _0\"></span>er av SpareBank 1 S\u00f8r-Norge Spar<span class=\"_ _0\"></span>eBank 1 SMN, SpareBank 1 Nord-Norge og Samarbeidende Spar<span class=\"_ _0\"></span>ebanker AS. \u00d8vrige eiere er SpareBank 1 \u00d8stlandet (12,<span class=\"_ _0\"></span>4 prosent) og L<span class=\"_ _0\"></span>O (9,6 prosent).<span class=\"_ _2cc\"> </span>Styringsstrukturen for Spar<span class=\"_ _0\"></span>eBank 1-samarbeidet er regulert i en avtale mellom eierne. Samspar r<span class=\"_ _0\"></span>egnskaps-<span class=\"_ _2cc\"> </span>f\u00f8rer investeringer i f<span class=\"_ _0\"></span>elleskontrollert virksomhet etter egenkapitalmetoden. SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland eier 16,55 prosent av Samarbeidende Spar<span class=\"_ _0\"></span>ebanker AS og 16,46 pr<span class=\"_ _0\"></span>osent Sparebank 1 SamSpar AS. Sparebank 1 SamSpar AS var tidligere et datterselskap a<span class=\"_ _0\"></span>v Samar-<span class=\"_ _2cc\"> </span>beidende Sparebanker AS. Styringsstrukturen i Samspar-samarbeidet er regulert i en avtale mellom eierne som tilfredsstiller kra<span class=\"_ _0\"></span>vene til fellesk<span class=\"_ _0\"></span>ontrollert virksomhet. Bankens eierandel regn-<span class=\"_ _2cc\"> </span>skapsf\u00f8res etter egenkapitalmetoden i k<span class=\"_ _0\"></span>onsernregn-<span class=\"_ _2cc\"> </span>skapet og kostmetoden i morbankr<span class=\"_ _0\"></span>egnskapet.<span class=\"_ _2cc\"> </span>Kontanter Kontanter best\u00e5r a<span class=\"_ _0\"></span>v kontanter i NOK og valuta, samt innskudd i Norges Bank.<span class=\"_ _2cc\"> </span>Finansielle eiendeler  Etter IFRS 9 skal finansielle eiendeler klassifiseres i tre m\u00e5lekategorier: virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet, virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver andre inntekter og kostnader (other comprehensiv<span class=\"_ _0\"></span>e income - OCI) og amortisert kost. M\u00e5lekategori bestemmes ved f\u00f8rstegangs regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av eiendelen. For finansielle eiendeler skilles mellom gjeldsinstrumenter<span class=\"_ _1\"></span>, derivater og egenkapitalinstrumenter<span class=\"_ _1\"></span>, hvor gjeldsin-<span class=\"_ _2cc\"> </span>strumenter er alle finansielle eiendeler som ikke er de-<span class=\"_ _2cc\"> </span>rivater eller egenkapitalinstrumenter<span class=\"_ _1\"></span>. Klassifiseringen av finansielle eiendeler bestemmes ut fra k<span class=\"_ _0\"></span>ontrakts-<span class=\"_ _2cc\"> </span>messige vilk\u00e5r for de finansielle eiendelene og hvilk<span class=\"_ _0\"></span>en forretningsmodell som bruk<span class=\"_ _0\"></span>es for styring a<span class=\"_ _0\"></span>v porte-<span class=\"_ _2cc\"> </span>f\u00f8ljen som eiendelene inng\u00e5r i.<span class=\"_ _2cc\"> </span>Finansielle eiendeler som er gjeldsinstrumenter<span class=\"_ _2cc\"> </span>Gjeldsinstrumenter med kontraktf<span class=\"_ _0\"></span>estede kontant-<span class=\"_ _2cc\"> </span>str\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med form\u00e5l \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kontantstr\u00f8m-<span class=\"_ _2cc\"> </span>mer skal i utgangspunktet m\u00e5les til amortisert kost. Instrumenter med kontraktf<span class=\"_ _0\"></span>estede kontantstr\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>m\u00e5l b\u00e5de \u00e5 motta kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer og salg, skal i utgangspunktet m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver OCI, med renteinntekt, va-<span class=\"_ _2cc\"> </span>lutaomregningseffekter og e<span class=\"_ _0\"></span>ventuelle nedskrivninger presentert i det ordin\u00e6re r<span class=\"_ _0\"></span>esultatet. V<span class=\"_ _0\"></span>erdiendringer f\u00f8rt over OCI skal r<span class=\"_ _0\"></span>eklassifiseres til resultatet ved salg eller annen avhendelse a<span class=\"_ _0\"></span>v eiendelene. Banken benytter seg a<span class=\"_ _0\"></span>v SpareBank 1 Boligkreditt AS som finansieringsverkt\u00f8y (se Note 9 f<span class=\"_ _0\"></span>or \u00f8vrig beskri-<span class=\"_ _2cc\"> </span>velse). Banken o<span class=\"_ _0\"></span>verf\u00f8rer bare deler a<span class=\"_ _0\"></span>v de utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring til boligkredittselskapet. Utl\u00e5n som inng\u00e5r i forretningsmodeller (portef\u00f8ljer) med utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring kan derfor sies \u00e5 holdes b\u00e5de for \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kon-<span class=\"_ _2cc\"> </span>tantstr\u00f8mmer og for salg, en f<span class=\"_ _0\"></span>orretningsmodell som er konsistent med m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi med ver<span class=\"_ _0\"></span>di-<span class=\"_ _2cc\"> </span>endringer over OCI i b\u00e5de morbank<span class=\"_ _0\"></span>ens og konsernets resultat. Ut fra en vurdering av betingelser f<span class=\"_ _0\"></span>or utl\u00e5n til per-<span class=\"_ _2cc\"> </span>son- og bedriftsmarkedskunder<span class=\"_ _1\"></span>, er det derfor kon-<span class=\"_ _2cc\"> </span>kludert med at hele PM-portef\u00f8ljen, med unntak av fastrenteutl\u00e5n, klassifiseres til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi<span class=\"_ _2cc\"> </span> over OCI. BM-utl\u00e5n, som ikk<span class=\"_ _0\"></span>e er fastrenteutl\u00e5n, m\u00e5les til amortisert kost. Kontanter og f<span class=\"_ _0\"></span>ordringer<span class=\"_ _2cc\"> </span> p\u00e5 sentral-<span class=\"_ _2cc\"> </span>banker samt utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjo-<span class=\"_ _2cc\"> </span>ner m\u00e5les ogs\u00e5 til amortisert kost.<span class=\"_ _2cc\"> </span>\u00d8vrige gjeldsinstrumenter skal m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet. Dette gjelder instrumenter med kontantstr\u00f8mmer som ikk<span class=\"_ _0\"></span>e bare er betaling av normal rente (tids<span class=\"_ _0\"></span>verdi a<span class=\"_ _0\"></span>v penger<span class=\"_ _1\"></span>, kreditt-<span class=\"_ _2cc\"> </span>margin og andre normale mar<span class=\"_ _0\"></span>giner knyttet til utl\u00e5n og fordringer) og ho<span class=\"_ _0\"></span>vedstol, og instrumenter som holdes i en forretningsmodell hv<span class=\"_ _0\"></span>or form\u00e5let i hov<span class=\"_ _0\"></span>edsak ikke er mottak av k<span class=\"_ _0\"></span>ontraktfestede kontantstr\u00f8mmer<span class=\"_ _141\"></span>. Bankens investeringer i sertifikater og obligasjoner m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultat p\u00e5 grunn av bank<span class=\"_ _0\"></span>ens forretningsmodell. Instrumenter som i utgangspunktet skal m\u00e5les til amortisert kost eller til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver OCI kan m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultatet dersom dette eliminerer eller reduser<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, med vesentlig grad, et regnskapsmessig misf<span class=\"_ _0\"></span>orhold. Instrumenter som i utgangspunktet skal m\u00e5les til amor-<span class=\"_ _2cc\"> </span>tisert kost eller til virkelig v<span class=\"_ _0\"></span>erdi med ver<span class=\"_ _0\"></span>diendringer over OCI kan utpek<span class=\"_ _0\"></span>es til m\u00e5ling til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet dersom dette elimine-<span class=\"_ _2cc\"> </span>rer eller vesentlig r<span class=\"_ _0\"></span>eduserer et regnskapsmessig mis-<span class=\"_ _2cc\"> </span>forhold. Som f\u00f8lge a<span class=\"_ _0\"></span>v at vurdering av fastr<span class=\"_ _0\"></span>enteutl\u00e5n til amortisert kost ville medf\u00f8rt et regnskapsmessig misforhold grunnet regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av sikringsinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di, har SpareBank 1 Ringerike Ha-<span class=\"_ _2cc\"> </span>deland valgt \u00e5 m\u00e5le alle fastrenteutl\u00e5n til virk<span class=\"_ _0\"></span>elig verdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet. Derivater og investeringer i egenkapitalinstrumenter<span class=\"_ _2cc\"> </span>Alle derivater skal i utgangspunktet m\u00e5les til virkelig verdi med v<span class=\"_ _0\"></span>erdiendring over r<span class=\"_ _0\"></span>esultatet, men derivater som er utpekt som sikringsinstrumenter skal regn-<span class=\"_ _2cc\"> </span>skapsf\u00f8res i tr\u00e5d med prinsippene f<span class=\"_ _0\"></span>or sikringsbokf\u00f8-<span class=\"_ _2cc\"> </span>ring.<span class=\"_ _2cc\"> </span> Investeringer i egenkapitalinstrumenter skal m\u00e5les i balansen til virkelig ver<span class=\"_ _0\"></span>di med mindre man oppfyller kravene til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver OCI og velger dette ved f\u00f8rste gangs innregning. Spar<span class=\"_ _0\"></span>eBank 1 Ringe-<span class=\"_ _2cc\"> </span>rike Hadeland regnsk<span class=\"_ _0\"></span>apsf\u00f8rer alle egenkapitalinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di over r<span class=\"_ _0\"></span>esultat. Renter knyttet til derivater som sikrer fastrentefinansiering pr<span class=\"_ _0\"></span>esenteres under \u00abRentek<span class=\"_ _0\"></span>ostnader\u00bb sammen med rentekostnader fra sikringsobjektet. Renter knyttet til derivater hvor det ikke benyttes sikringsbokf\u00f8ring presenter<span class=\"_ _0\"></span>es under \u00abAndre renteinntekter\u00bb. V<span class=\"_ _1\"></span>erdiendring blir f\u00f8rt under \u00abNetto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer\u00bb.<span class=\"_ _2cc\"> </span>Sikringsbokf\u00f8ring<span class=\"_ _2cc\"> </span>Banken benytter virk<span class=\"_ _0\"></span>elig verdi sikring a<span class=\"_ _0\"></span>v sine fastren-<span class=\"_ _2cc\"> </span>teinnl\u00e5n for \u00e5 styre sin r<span class=\"_ _0\"></span>enterisiko. Bank<span class=\"_ _0\"></span>en vurderer og dokumenterer sikringens effektivitet, b\u00e5de ved f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs klassifisering og p\u00e5 l\u00f8pende basis i samsvar med IFRS 9. I sin sikringsaktivitet sikrer banken seg mot bevegelser i swap-r<span class=\"_ _0\"></span>enten. Endringer i kredittspread er derfor ikke hensyntatt i sikringseff<span class=\"_ _0\"></span>ektiviteten eller verdivur<span class=\"_ _0\"></span>deringen. V<span class=\"_ _0\"></span>ed virkelig ver<span class=\"_ _0\"></span>di sikring blir sik-<span class=\"_ _2cc\"> </span>ringsinstrumentet regnskapsf\u00f8rt til virkelig v<span class=\"_ _0\"></span>erdi og sikringsobjektet blir regnskapsf\u00f8rt til amortisert kost justert for endring i virkelig v<span class=\"_ _0\"></span>erdi av den sikr<span class=\"_ _0\"></span>ede risiko.<span class=\"_ _2cc\"> </span>Endringer i disse verdiene fra inng\u00e5ende balanse blir resultatf\u00f8rt<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span>Banken inng\u00e5r sikringsf<span class=\"_ _0\"></span>orretninger med anerkjente banker f<span class=\"_ _0\"></span>or \u00e5 redusere egen risik<span class=\"_ _0\"></span>o. Derivatforr<span class=\"_ _0\"></span>etninge-<span class=\"_ _2cc\"> </span>ne er knyttet til ordin\u00e6r bankvirksomhet og gjennom-<span class=\"_ _2cc\"> </span>f\u00f8res for \u00e5 r<span class=\"_ _0\"></span>edusere risiko knyttet til bank<span class=\"_ _0\"></span>ens innl\u00e5n i finansmarkedene og f<span class=\"_ _0\"></span>or \u00e5 avdekk<span class=\"_ _0\"></span>e og redusere risik<span class=\"_ _0\"></span>o relatert til kunderettede aktiviteter<span class=\"_ _1\"></span>. Kun sikringer knyt-<span class=\"_ _2cc\"> </span>tet til bankens innl\u00e5nsvirksomhet definer<span class=\"_ _0\"></span>es som \"virke-<span class=\"_ _2cc\"> </span>lig verdisikring\" i henhold til IFRS 9. Bank<span class=\"_ _0\"></span>en har ingen kontrakter som kvalifiserer f<span class=\"_ _0\"></span>or kontantstr\u00f8msikring.<span class=\"_ _2cc\"> </span>T<span class=\"_ _141\"></span>apsnedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span>Den generelle modellen for nedskrivninger a<span class=\"_ _0\"></span>v finansi-<span class=\"_ _2cc\"> </span>elle eiendeler i IFRS 9 vil gjelde for finansielle eiendeler som m\u00e5les til amortisert kost eller gjeldsinstrumenter til virkelig ver<span class=\"_ _0\"></span>di med verdiendringer o<span class=\"_ _0\"></span>ver OCI, og som ikke hadde inntrufne tap ved f\u00f8r<span class=\"_ _0\"></span>ste gangs balan-<span class=\"_ _2cc\"> </span>sef\u00f8ring. I tillegg er ogs\u00e5 l\u00e5netilsagn og finansielle garantikontrakter som ikk<span class=\"_ _0\"></span>e m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di over resultatet omfattet.<span class=\"_ _2cc\"> </span>M\u00e5lingen av a<span class=\"_ _0\"></span>vsetningen for f<span class=\"_ _0\"></span>orventet tap i den gene-<span class=\"_ _2cc\"> </span>relle modellen avhenger a<span class=\"_ _0\"></span>v om kredittrisik<span class=\"_ _0\"></span>oen har \u00f8kt vesentlig siden f\u00f8rste gangs balansef\u00f8ring. V<span class=\"_ _1\"></span>ed f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs balansef\u00f8ring og n\u00e5r kredittrisikoen ikk<span class=\"_ _0\"></span>e har \u00f8kt vesentlig etter f\u00f8rstegangs balansef\u00f8ring skal det avsettes f<span class=\"_ _0\"></span>or 12-m\u00e5neders forventet tap<span class=\"_ _0\"></span>. 12-m\u00e5neders forventet tap er det tapet som er f<span class=\"_ _0\"></span>orventet \u00e5 inntreffe over le<span class=\"_ _0\"></span>vetiden til instrumentet, men som kan knyttes til begivenheter som inntreff<span class=\"_ _0\"></span>er de f\u00f8rste 12 m\u00e5nedene. Hvis kredittrisikoen har \u00f8kt v<span class=\"_ _0\"></span>esentlig etter f\u00f8rstegangs innregning, skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over hele levetiden. F<span class=\"_ _0\"></span>orventet kredittap er beregnet basert p\u00e5 n\u00e5verdien a<span class=\"_ _0\"></span>v alle kontantstr\u00f8mmer ov<span class=\"_ _0\"></span>er gjenv\u00e6-<span class=\"_ _2cc\"> </span>rende forventet le<span class=\"_ _0\"></span>vetid, det vil si for<span class=\"_ _0\"></span>skjellen mellom de kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer i henhold til kontrakten og den k<span class=\"_ _0\"></span>ontantstr\u00f8mmen som banken forventer \u00e5 motta, disk<span class=\"_ _0\"></span>ontert med effektiv rente p\u00e5 instrumentet.<span class=\"_ _2cc\"> </span>N\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v bankens nedskrivningsmodell T<span class=\"_ _141\"></span>apsanslaget lages kvar<span class=\"_ _3\"></span>talsvis, og bygger p\u00e5 historikk over k<span class=\"_ _0\"></span>onto- og kundedata for hele kredittportef\u00f8ljen. T<span class=\"_ _141\"></span>apsestimatene blir beregnet basert p\u00e5 12 m\u00e5neders og livslang sannsynlighet for mislighold (pr<span class=\"_ _0\"></span>obability of default \u2013 PD), tap ved mislighold (loss giv<span class=\"_ _0\"></span>en default \u2013 L<span class=\"_ _0\"></span>GD) og eksponering ved mislighold (e<span class=\"_ _0\"></span>xposure at default \u2013 EAD). Banken har historikk f<span class=\"_ _0\"></span>or observert PD<span class=\"_ _2cc\"> </span>og observert L<span class=\"_ _0\"></span>GD, som danner grunnlag for estimater p\u00e5 fremtidige ver<span class=\"_ _0\"></span>dier for PD og L<span class=\"_ _1\"></span>GD. Bankens modell for beregning a<span class=\"_ _0\"></span>v forventet kr<span class=\"_ _0\"></span>edittap benytter ikke<span class=\"_ _2cc\"> </span> klimarelaterte data for \u00e5 ber<span class=\"_ _0\"></span>egne hvordan klimarisik<span class=\"_ _0\"></span>o p\u00e5virker st\u00f8rrelsen p\u00e5 f<span class=\"_ _0\"></span>orventede kredittap. Modellen inneholder 3 ulike scenarier<span class=\"_ _1\"></span>, \u00abScenario 1\u00bb, \u00abScenario 2\u00bb og \u00abScenario 3\u00bb, og det beregnes et forventet tap (expected cr<span class=\"_ _0\"></span>edit loss \u2013 ECL) for hv<span class=\"_ _0\"></span>ert scenario. ECL f<span class=\"_ _0\"></span>or en kombinasjon a<span class=\"_ _0\"></span>v de tre scenariene er et vektet gjennomsnitt for de tr<span class=\"_ _0\"></span>e scenariene, hvor \u00abScenario 1\u00bb, som i hovedsak baser<span class=\"_ _0\"></span>er seg p\u00e5 Norges Bank Pengepolitisk<span class=\"_ _0\"></span>e rapport og forventede \u00f8konomis-<span class=\"_ _2cc\"> </span>ke utvikling, vektes med 80 %, \u00abScenario 2\u00bb og \u00abScena-<span class=\"_ _2cc\"> </span>rio 3\u00bb vektes med 10 %. Se \u00abNote 3 \u2013 Kritiske estimater og vurderinger vedr\u00f8r<span class=\"_ _0\"></span>ende bruk av regnskapsprinsip-<span class=\"_ _2cc\"> </span>per\u00bb for utfyllende inf<span class=\"_ _0\"></span>ormasjon om scenarioene.  I tr\u00e5d med IFRS 9 grupperer banken sine utl\u00e5n i tr<span class=\"_ _0\"></span>e trinn:<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>rinn 1: Dette er startpunkt for alle finansielle eiendeler omfat-<span class=\"_ _2cc\"> </span>tet av den generelle tapsmodellen. Alle eiendeler som ikke har vesentlig h\u00f8y<span class=\"_ _0\"></span>ere kredittrisik<span class=\"_ _0\"></span>o enn ved f\u00f8rste-<span class=\"_ _2cc\"> </span>gangsinnregning f\u00e5r en av<span class=\"_ _0\"></span>setning for tap som tilsvarer 12 m\u00e5neders forventet tap<span class=\"_ _0\"></span>. I denne kategorien ligger alle eiendeler som ikke er ov<span class=\"_ _0\"></span>erf\u00f8rt til trinn 2 eller 3.<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>rinn 2: I trinn 2 i tapsmodellen er eiendeler som har hatt en vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinn-<span class=\"_ _2cc\"> </span>regning, men hvor det ikk<span class=\"_ _0\"></span>e er objektive bevis p\u00e5 tap<span class=\"_ _0\"></span>. For disse eiendelene skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over le<span class=\"_ _0\"></span>vetiden. I denne gruppen finner vi eiendeler med vesentlig grad av kr<span class=\"_ _0\"></span>edittforverring, men som p\u00e5 balansedato tilh\u00f8rer kunder som ikke er klassifisert som kredittforringet. N\u00e5r det gjelder a<span class=\"_ _0\"></span>vgrensning mot trinn 1, definerer banken v<span class=\"_ _0\"></span>esentlig grad av kredittf<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>verring ved \u00e5 ta utgangspunkt i hv<span class=\"_ _0\"></span>orvidt et engasje-<span class=\"_ _2cc\"> </span>ments beregnede PD har \u00f8kt vesentlig.<span class=\"_ _2cc\"> </span>F\u00f8lgende regler f<span class=\"_ _0\"></span>or kategorisering av trinn 2 gjelder: \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kontoen er i o<span class=\"_ _0\"></span>vertrekk eller har restanse p\u00e5 30 dagers varighet eller mer<span class=\"_ _1\"></span>. \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r den tilh\u00f8rer en kunde som har blitt satt til s\u00e6rlig oppf\u00f8lging. Kriteriene for dette fastsetter banken og k<span class=\"_ _0\"></span>ontoen settes i kategori 2 manuelt. Kriteriene kan bl.a. v\u00e6re at kunden er p\u00e5 watchlist. Det vil si at kunden har vesentlig forh\u00f8yet risiko og bank<span class=\"_ _0\"></span>en vurderer at det er behov f<span class=\"_ _0\"></span>or tettere oppf\u00f8lging. \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kundens PD har \u00f8kt med over 150 pr<span class=\"_ _0\"></span>osent til et niv\u00e5 over 0,60 prosent. Endringen m\u00e5les ved \u00e5 sammenligne kundens PD samme m\u00e5ned som kontoen ble innregnet (<span class=\"_ _0\"></span>\u00abPD_IB\u00bb<span class=\"_ _0\"></span>) med kundens PD for m\u00e5neden det rapporteres p\u00e5 (\u00abPD_UB\u00bb<span class=\"_ _0\"></span>).<span class=\"_ _2cc\"> </span>Dersom de kvantitative eller kvalitative f<span class=\"_ _0\"></span>orholdene som medf\u00f8rte flytting til trinn 2 bedres tilstrekk<span class=\"_ _0\"></span>elig, slik at de ikke lenger treff<span class=\"_ _0\"></span>er de nevnte kriterier<span class=\"_ _1\"></span>, vil engasjementet flyttes tilbake til trinn 1. T<span class=\"_ _1\"></span>rinn 3: I trinn 3 i tapsmodellen er eiendeler som har hatt en vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden innvilgelse og hvor det er objektive be<span class=\"_ _0\"></span>vis p\u00e5 kreditttap som med-<span class=\"_ _2cc\"> </span>f\u00f8rer redusert fremtidig k<span class=\"_ _0\"></span>ontantstr\u00f8m til betjening av engasjementet. For disse eiendelene avsettes det f<span class=\"_ _0\"></span>or forventet tap ov<span class=\"_ _0\"></span>er levetiden. Bank<span class=\"_ _0\"></span>en har definert at det er objektive bevis f<span class=\"_ _0\"></span>or tap n\u00e5r et utl\u00e5n er i mislig-<span class=\"_ _2cc\"> </span>hold (klasse J og K). Etter IFRS 9 skal tapsavsetningene innregnes basert p\u00e5 forventet kr<span class=\"_ _0\"></span>edittap (expected credit loss - ECL). Dersom det er objektiv<span class=\"_ _0\"></span>e bevis p\u00e5 at kredittap har inntruffet, beregnes st\u00f8rr<span class=\"_ _0\"></span>elsen p\u00e5 tapet til differansen mellom eiendelens bokf\u00f8rte ver<span class=\"_ _0\"></span>di og n\u00e5verdien a<span class=\"_ _0\"></span>v estimerte fremtidige kontantstr\u00f8mmer diskontert med den finansielle eiendelens opprinneli-<span class=\"_ _2cc\"> </span>ge effektive r<span class=\"_ _0\"></span>entesats.<span class=\"_ _2cc\"> </span>Kredittapet m\u00e5 v\u00e6re et r<span class=\"_ _0\"></span>esultat av en eller flere hen-<span class=\"_ _2cc\"> </span>delser inntruffet etter f\u00f8rste gangs innr<span class=\"_ _0\"></span>egning (taps-<span class=\"_ _2cc\"> </span>hendelse) og resultatet av tapshendelsen m\u00e5 ogs\u00e5 kunne m\u00e5les p\u00e5litelig. Objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap omfatter observerbare data som blir kjent f<span class=\"_ _0\"></span>or konser-<span class=\"_ _2cc\"> </span>net om f\u00f8lgende tapshendelser:<span class=\"_ _2cc\"> </span>\u2022 V<span class=\"_ _0\"></span>esentlige finansielle vanskeligheter hos utsteder eller l\u00e5ntaker<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Ikke uvesentlig mislighold a<span class=\"_ _0\"></span>v kontrakt, som manglen-<span class=\"_ _2cc\"> </span>de betaling av a<span class=\"_ _0\"></span>vdrag og renter<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Konsernet innvilger l\u00e5ntak<span class=\"_ _0\"></span>er spesielle betingelser med bakgrunn i \u00f8k<span class=\"_ _0\"></span>onomiske eller legale grunner knyttet til l\u00e5ntakers \u00f8k<span class=\"_ _0\"></span>onomiske situasjon<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Sannsynlighet for at skyldner vil inng\u00e5 gjeldsf<span class=\"_ _0\"></span>orhand-<span class=\"_ _2cc\"> </span>linger eller andre finansielle reor<span class=\"_ _0\"></span>ganiseringer<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>P\u00e5 grunn av finansielle problemer opph\u00f8r<span class=\"_ _0\"></span>er de akti-<span class=\"_ _2cc\"> </span>ve markedene f<span class=\"_ _0\"></span>or den finansielle eiendelen<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Kunder med mer enn 90 dagers betalingsmislighold vil alltid flyttes til trinn 3<span class=\"_ _2cc\"> </span>Konsernet vur<span class=\"_ _0\"></span>derer f\u00f8rst om det eksisterer individuelle objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap for finansielle eiendeler som er individuelt signifikante. Bokf\u00f8rt verdi a<span class=\"_ _0\"></span>v eiende-<span class=\"_ _2cc\"> </span>len reduseres v<span class=\"_ _0\"></span>ed bruk av en nedskrivningskonto og tapet innregnes i resultatr<span class=\"_ _0\"></span>egnskapet. En kunde som er klassifisert som misligholdt, og f\u00f8lgelig ligger i katego-<span class=\"_ _2cc\"> </span>ri 3 skal ha 3 eller 12 m\u00e5neders karensperiode etter at misligholdet er gjort opp avhengig av hv<span class=\"_ _0\"></span>orvidt det er gitt betalingslettelser<span class=\"_ _1\"></span>, f\u00f8r kunden g\u00e5r inn i en pr\u00f8vepe-<span class=\"_ _2cc\"> </span>riode p\u00e5 12 eller 24 m\u00e5neder<span class=\"_ _1\"></span>. Misligholdte engasjement<span class=\"_ _2cc\"> </span>Samlet engasjement fra en kunde regnes som mislig-<span class=\"_ _2cc\"> </span>holdt og tas med i bankens ov<span class=\"_ _0\"></span>ersikt over misligholdte engasjementer n\u00e5r forfalte av<span class=\"_ _0\"></span>drag eller renter ikke er<span class=\"_ _2cc\"> </span> betalt innen 90 dager etter forfall eller rammekreditter er overtrukk<span class=\"_ _0\"></span>et i 90 dager eller mer<span class=\"_ _1\"></span>. I tillegg kommer ut-<span class=\"_ _2cc\"> </span>l\u00e5n og andre engasjementer som ikke er betalings-mis-<span class=\"_ _2cc\"> </span>ligholdte over 90 dager<span class=\"_ _141\"></span>, men hvor kundens \u00f8konomis<span class=\"_ _2cc\"> </span>-<span class=\"_ _2cc\"> </span>ke situasjon gj\u00f8r det sannsynlig at bank<span class=\"_ _0\"></span>en vil bli p\u00e5f\u00f8rt tap. Engasjementer som anses \u00e5 ha underliggende verdier med pant i boliger som dekk<span class=\"_ _0\"></span>er engasjementet fullt ut nedskrives ikke. Misligholdte engasjement vil ligge i trinn 3 i tapsmodellen. Forbearance-merkede engasjement<span class=\"_ _2cc\"> </span>Forbearance er definert som endringer i tidligere a<span class=\"_ _0\"></span>vtalt renteniv\u00e5, betingelser eller nedbetalingsplan for kunder i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter<span class=\"_ _1\"></span>, som banken ikke ville gitt til en kunde som ikke var i \u00f8k<span class=\"_ _0\"></span>onomisk vanskeligheter<span class=\"_ _1\"></span>. Engasjementer skal forbearance-merk<span class=\"_ _0\"></span>es, forutsatt at kunden er i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter dersom det innvilges lettelser slik beskrev<span class=\"_ _0\"></span>et over<span class=\"_ _1\"></span>. Forbearance-mer<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>kede kunder vil ligge i kategori 2. Konstaterte tap<span class=\"_ _2cc\"> </span>Konstatering a<span class=\"_ _0\"></span>v tap (fraregning av balansef\u00f8rt v<span class=\"_ _0\"></span>erdi) foretas n\u00e5r bank<span class=\"_ _0\"></span>en ikke har rimelige f<span class=\"_ _0\"></span>orventninger om \u00e5 gjenvinne et engasjement i sin helhet eller en del av den. Kriterier n\u00e5r dette skal gj\u00f8res er blant annet:<span class=\"_ _2cc\"> </span>\u00b7 Avsluttet k<span class=\"_ _0\"></span>onkurs i selskaper med begrenset ans<span class=\"_ _0\"></span>var<span class=\"_ _2cc\"> </span>\u00b7 Stadfestet akk<span class=\"_ _0\"></span>ord/gjeldsforhandlinger<span class=\"_ _2cc\"> </span>\u00b7 Avvikling for \u00f8vrige selsk<span class=\"_ _0\"></span>aper med begrenset ansvar<span class=\"_ _2cc\"> </span>\u00b7 Avsluttet bo v<span class=\"_ _0\"></span>ed d\u00f8dsfall<span class=\"_ _2cc\"> </span>\u00b7 V<span class=\"_ _0\"></span>ed rettskraftig dom<span class=\"_ _2cc\"> </span>\u00b7 Sikkerheter er realisert<span class=\"_ _2cc\"> </span>Engasjementet vil normalt legges p\u00e5 langstidsoverv\u00e5k-<span class=\"_ _2cc\"> </span>ning i tilfelle debitor igjen skulle bli s\u00f8k<span class=\"_ _0\"></span>egod. Innbe-<span class=\"_ _2cc\"> </span>talinger p\u00e5 tidligere konstaterte l\u00e5n framg\u00e5r a<span class=\"_ _0\"></span>v note 10 og presenteres under \u00ab<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier\u00bb i resultatregnskapet. Innregning og fraregning a<span class=\"_ _0\"></span>v finansielle eiendeler  og forpliktelser<span class=\"_ _2cc\"> </span>Finansielle eiendeler og forpliktelser innregnes p\u00e5 handledagen, det vil si tidspunktet banken blir part i instrumentenes kontraktsmessige betingelser<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Finansielle eiendeler fraregnes n\u00e5r de kontrakts-<span class=\"_ _2cc\"> </span>messige rettighetene til kontantstr\u00f8mmene fra den finansielle eiendelen er utl\u00f8pt, eller n\u00e5r rettighetene til kontantstr\u00f8mmene fra eiendelen er ov<span class=\"_ _0\"></span>erf\u00f8rt p\u00e5 en slik m\u00e5te at risiko og a<span class=\"_ _0\"></span>vkastning knyttet til eierskapet i det alt vesentlige er ov<span class=\"_ _0\"></span>erf\u00f8rt<span class=\"_ _3\"></span>.<span class=\"_ _2cc\"> </span>Finansielle forpliktelser fraregnes n\u00e5r de k<span class=\"_ _0\"></span>ontraktsmes-<span class=\"_ _2cc\"> </span>sige betingelsene er innfridd, kansellert eller utl\u00f8pt.<span class=\"_ _2cc\"> </span>Modifiserte eiendeler og forpliktelser<span class=\"_ _2cc\"> </span>Dersom det gj\u00f8res modifiseringer eller endringer i vilk\u00e5rene til en eksisterende finansiell eiendel eller forpliktelse behandles instrumentet som en ny finan-<span class=\"_ _2cc\"> </span>siell eiendel dersom de ref<span class=\"_ _0\"></span>orhandlede vilk\u00e5rene er vesentlig for<span class=\"_ _0\"></span>skjellige fra de gamle vilk\u00e5rene. Dersom vilk\u00e5rene er vesentlig f<span class=\"_ _0\"></span>orskjellig fraregnes den gam-<span class=\"_ _2cc\"> </span>le finansielle eiendelen eller forpliktelsen, og en ny finansiell eiendel eller forpliktelse innregnes. Gener<span class=\"_ _0\"></span>elt vurderes et utl\u00e5n til \u00e5 v\u00e6r<span class=\"_ _0\"></span>e en ny finansiell eiendel dersom det utstedes ny l\u00e5nedokumentasjon, samtidig som det foretas ny kr<span class=\"_ _0\"></span>edittprosess med fastsettelse a<span class=\"_ _0\"></span>v nye l\u00e5nevilk\u00e5r<span class=\"_ _141\"></span>. Dersom det modifiserte instrumentet ikke vurder<span class=\"_ _0\"></span>es \u00e5 v\u00e6re vesentlig f<span class=\"_ _0\"></span>orskjellig fra det eksisterende instru-<span class=\"_ _2cc\"> </span>mentet, anses instrumentet regnskapsmessig \u00e5 v\u00e6re en videref\u00f8ring av det ek<span class=\"_ _0\"></span>sisterende instrumentet. V<span class=\"_ _0\"></span>ed en modifisering som regnskapsf\u00f8res som en vider<span class=\"_ _0\"></span>e-<span class=\"_ _2cc\"> </span>f\u00f8ring av eksister<span class=\"_ _0\"></span>ende instrument, diskonteres de nye kontantstr\u00f8mmene med instrumentets opprinnelige effektive r<span class=\"_ _0\"></span>ente og eventuell f<span class=\"_ _0\"></span>orskjell mot eksisterende balansef\u00f8rt bel\u00f8p resultatf\u00f8res. Modifiserte l\u00e5n der kunder er i en vanskelig \u00f8konomisk situasjon er gjenstand for individuell vurdering om behov for tapsa<span class=\"_ _0\"></span>vsetning.  Immaterielle eiendeler<span class=\"_ _2cc\"> </span>Immaterielle eiendeler best\u00e5r av identifisert merverdi knyttet til oppkj\u00f8pte kunderelasjoner samt goodwill i konsernet SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland. Good-<span class=\"_ _2cc\"> </span>will oppst\u00e5r som differanse mellom virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v vederlaget ved kj\u00f8p a<span class=\"_ _0\"></span>v en virksomhet og virkelig v<span class=\"_ _0\"></span>erdi av identifiserbare eiendeler og f<span class=\"_ _0\"></span>orpliktelser<span class=\"_ _1\"></span>. Goodwill avskriv<span class=\"_ _0\"></span>es ikke, men er gjenstand for en \u00e5rlig nedskriv-<span class=\"_ _2cc\"> </span>ningstest i samsvar med IAS 36 med sikte p\u00e5 \u00e5 av<span class=\"_ _0\"></span>dek-<span class=\"_ _2cc\"> </span>ke et ev<span class=\"_ _0\"></span>entuelt verdifall.  Eiendom, anlegg og utstyr<span class=\"_ _2cc\"> </span>Eiendom, anlegg og utstyr f\u00f8rsteganginnregnes til anskaffelsesk<span class=\"_ _0\"></span>ost og avskriv<span class=\"_ _0\"></span>es deretter line\u00e6rt over forventet lev<span class=\"_ _0\"></span>etid. V<span class=\"_ _0\"></span>ed fastlegging av a<span class=\"_ _0\"></span>vskrivningsplan splittes de enkelte eiendeler i n\u00f8dvendig utstr<span class=\"_ _0\"></span>ekning opp i komponenter med f<span class=\"_ _0\"></span>orskjellig levetid, og det tas hensyn til estimert restver<span class=\"_ _0\"></span>di. Eiendom, anlegg og ut-<span class=\"_ _2cc\"> </span>styr som hver for seg er a<span class=\"_ _0\"></span>v liten betydning, eksempel-<span class=\"_ _2cc\"> </span>vis PC-er og annet kontorutstyr<span class=\"_ _1\"></span>, vurderes ikk<span class=\"_ _0\"></span>e individu-<span class=\"_ _2cc\"> </span>elt for restv<span class=\"_ _0\"></span>erdier<span class=\"_ _1\"></span>, levetid eller ver<span class=\"_ _0\"></span>difall, men vurderes som grupper<span class=\"_ _1\"></span>. T<span class=\"_ _141\"></span>omter avskrives ikke. Andr<span class=\"_ _0\"></span>e driftsmidler avskrives etter den line\u00e6re metode, slik at anleggsmidlenes anskaffelsesk<span class=\"_ _0\"></span>ost, eller revaluert verdi, a<span class=\"_ _0\"></span>vskrives til r<span class=\"_ _0\"></span>est-<span class=\"_ _2cc\"> </span>verdi o<span class=\"_ _0\"></span>ver forventet utnyttbar le<span class=\"_ _0\"></span>vetid, som er:<span class=\"_ _2cc\"> </span>Bygninger <span class=\"_ _5d\"> </span>20-50 \u00e5r <span class=\"_ _cc\"> </span>Maskiner og IT<span class=\"_ _1\"></span>-utstyr <span class=\"_ _93\"> </span>3-7 \u00e5r <span class=\"_ _cc\"> </span>T<span class=\"_ _1\"></span>ransportmidler <span class=\"_ _50\"> </span>4-5 \u00e5r <span class=\"_ _cc\"> </span>Inventar <span class=\"_ _144\"> </span>3-10 \u00e5r<span class=\"_ _2cc\"> </span>Eiendom, anlegg og utstyr som avskriv<span class=\"_ _0\"></span>es, er gjenstand<span class=\"_ _2cc\"> </span> for en nedskrivningstest i samsvar med IAS 36 n\u00e5r om-<span class=\"_ _2cc\"> </span>stendighetene indikerer det. Overtatte eiendeler<span class=\"_ _2cc\"> </span>Som ledd i behandlingen av misligholdte l\u00e5n og garan-<span class=\"_ _2cc\"> </span>tier overtar bank<span class=\"_ _0\"></span>en i enkelte tilfeller eiendeler som har v\u00e6rt stilt som sikkerhet for slik<span class=\"_ _0\"></span>e engasjementer<span class=\"_ _1\"></span>. V<span class=\"_ _0\"></span>ed overtak<span class=\"_ _0\"></span>else verdsettes eiendelene til antatt realisa-<span class=\"_ _2cc\"> </span>sjonsverdi. Ov<span class=\"_ _0\"></span>ertatte eiendeler som skal realiseres, klassifiseres som beholdninger eller anleggsmidler holdt for salg og regnsk<span class=\"_ _0\"></span>apsf\u00f8res etter henholdsvis IAS 2 eller IFRS 5. Eventuelle tap/gevinster v<span class=\"_ _0\"></span>ed avhendelse eller revur<span class=\"_ _0\"></span>dering av ver<span class=\"_ _0\"></span>di p\u00e5 slike eiendeler f\u00f8res som tillegg eller fradrag i tap p\u00e5 utl\u00e5n.  Leieavtaler IFRS 16 Leieavtaler har f\u00f8rt til at v<span class=\"_ _0\"></span>esentlige leieavtaler for k<span class=\"_ _0\"></span>onsernet og morbank er balansef\u00f8rt. Standarden krev<span class=\"_ _0\"></span>er innregning av en bruksr<span class=\"_ _0\"></span>ettseiendel (rett til \u00e5 bruke den leide eiendelen) og en finansiell f<span class=\"_ _0\"></span>orpliktelse til \u00e5 betale leie for vesentlige leiek<span class=\"_ _0\"></span>ontrakter<span class=\"_ _1\"></span>. IFRS 16 inneholder valgmulighet til \u00e5 unnlate \u00e5 innreg-<span class=\"_ _2cc\"> </span>ne bruksretten og tilh\u00f8rende leief<span class=\"_ _0\"></span>orpliktelsen for en leieavtale dersom leiea<span class=\"_ _0\"></span>vtalen er kortsiktig (under 12 m\u00e5neder) eller leie av eiendelen har la<span class=\"_ _0\"></span>v verdi. K<span class=\"_ _0\"></span>onser-<span class=\"_ _2cc\"> </span>net og morbank har benyttet seg av dette fritak<span class=\"_ _0\"></span>et. N\u00e5verdien a<span class=\"_ _0\"></span>v leieforpliktelsen beregnes v<span class=\"_ _0\"></span>ed \u00e5 neddis-<span class=\"_ _2cc\"> </span>kontere r<span class=\"_ _0\"></span>esterende leiebetalinger med bankens mar-<span class=\"_ _2cc\"> </span>ginale l\u00e5nerente (fundingrente). Opsjoner til \u00e5 f<span class=\"_ _0\"></span>orlenge leieperioden tas med dersom de med rimelig sikker-<span class=\"_ _2cc\"> </span>het forventes \u00e5 bli benyttet. N\u00e5verdien f<span class=\"_ _0\"></span>or opsjonen innregnes da i leieforpliktelsen og bruk<span class=\"_ _0\"></span>sretten. Nedskrivning p\u00e5 ikke-finansielle eiendeler<span class=\"_ _2cc\"> </span>Balansef\u00f8rt bel\u00f8p av bankens eiendeler omf<span class=\"_ _0\"></span>attet av IAS 36 (<span class=\"_ _3\"></span>ikke-finansielle eiendeler), blir gjennomg\u00e5tt p\u00e5 balansedagen, for \u00e5 vurder<span class=\"_ _0\"></span>e om det foreligger indikasjoner p\u00e5 verdif<span class=\"_ _0\"></span>all. Dersom det foreligger slik<span class=\"_ _0\"></span>e indikasjoner<span class=\"_ _1\"></span>, estimeres eiendelens gjenvinnbare bel\u00f8p. Nedskrivninger for<span class=\"_ _0\"></span>etas n\u00e5r balansef\u00f8rt verdi av en eiendel eller k<span class=\"_ _0\"></span>ontantstr\u00f8mgenererende enhet overstiger gjenvinnbart bel\u00f8p<span class=\"_ _0\"></span>. Nedskrivninger f\u00f8res over r<span class=\"_ _0\"></span>esultatregnskapet under andre driftsk<span class=\"_ _0\"></span>ostnader<span class=\"_ _1\"></span>. Nedskrivning av goodwill re<span class=\"_ _0\"></span>verseres ikk<span class=\"_ _0\"></span>e. For andre eiendeler rev<span class=\"_ _0\"></span>erseres nedskrivninger dersom det er en endring i estimater som er benyttet for \u00e5 beregne gjenvinnbart bel\u00f8p.<span class=\"_ _2cc\"> </span>Renteinntekter og \u2013k<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span>Renteinntekter og -k<span class=\"_ _0\"></span>ostnader knyttet til eiendeler og forpliktelser som m\u00e5les til amortisert kost og virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver utvidet resultat resultatf\u00f8r<span class=\"_ _0\"></span>es l\u00f8pende ba-<span class=\"_ _2cc\"> </span>sert p\u00e5 en effektiv rente-metode. Alle geb<span class=\"_ _0\"></span>yrer knyttet til renteb\u00e6rende innl\u00e5n og utl\u00e5n inng\u00e5r i ber<span class=\"_ _0\"></span>egningen av eff<span class=\"_ _0\"></span>ektiv rente og amortiseres dermed ov<span class=\"_ _0\"></span>er forven-<span class=\"_ _2cc\"> </span>tet l\u00f8petid. For renteb\u00e6r<span class=\"_ _0\"></span>ende instrumenter som m\u00e5les til virkelig verdi vil endring i mark<span class=\"_ _0\"></span>edsverdien klassifiser<span class=\"_ _0\"></span>es som netto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer<span class=\"_ _1\"></span>, mens renteelementet klassifiseres som r<span class=\"_ _0\"></span>enteinntekt. For utl\u00e5n ov<span class=\"_ _0\"></span>erf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3 er inntektsf\u00f8ring av r<span class=\"_ _0\"></span>enter p\u00e5 utl\u00e5n basert p\u00e5 netto utl\u00e5n, og inntektsf\u00f8ring av renter p\u00e5 utl\u00e5n i T<span class=\"_ _1\"></span>rinn 1 og 2 er basert p\u00e5 brutto utl\u00e5n.<span class=\"_ _2cc\"> </span>Provisjonsinntekter og -k<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span>Provisjonsinntekter og \u2013k<span class=\"_ _0\"></span>ostnader blir generelt periodisert i takt med at en tjeneste blir ytt. Gebyrer knyttet til renteb\u00e6rende instrumenter blir ikk<span class=\"_ _0\"></span>e f\u00f8rt som provisjoner<span class=\"_ _141\"></span>, men inng\u00e5r i beregningen av effektiv rente og resultatf\u00f8r<span class=\"_ _0\"></span>es tilsvarende. Garantipro<span class=\"_ _0\"></span>visjoner blir beregnet som et fastbel\u00f8p per garanti utstedt og inntektsf\u00f8res i takt med opptjening. Honorar og gebyr ved omsetning eller formidling a<span class=\"_ _0\"></span>v finansielle instrumen-<span class=\"_ _2cc\"> </span>ter<span class=\"_ _1\"></span>, eiendom eller andre investeringsobjekter som ikke genererer balanseposter i k<span class=\"_ _0\"></span>onsernets regnskap, r<span class=\"_ _0\"></span>esul-<span class=\"_ _2cc\"> </span>tatf\u00f8res n\u00e5r transaksjonen sluttf\u00f8res. Bank<span class=\"_ _0\"></span>en mottar provisjon fra Spar<span class=\"_ _0\"></span>eBank 1 Boligkreditt og Sparebank 1 N\u00e6ringskreditt tilsvarende diff<span class=\"_ _0\"></span>eransen mellom l\u00e5nets rente og den finansieringskostnad Boligkr<span class=\"_ _0\"></span>editt og N\u00e6ringskreditt oppn\u00e5r med tillegg av et administrativt p\u00e5slag. I bankens regnsk<span class=\"_ _0\"></span>ap fremkommer dette som provisjonsinntekter<span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span>Andre driftsinntekter<span class=\"_ _2cc\"> </span>I andre driftsinntekter inng\u00e5r inntekter i eiendomsme-<span class=\"_ _2cc\"> </span>glervirksomheten og regnskapstjenester som ytes i konsernet. Andre driftsinntekter blir generelt periodi-<span class=\"_ _2cc\"> </span>sert i takt med at en tjeneste blir levert. T<span class=\"_ _1\"></span>ransaksjoner og beholdninger i utenlandsk valuta<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>ransaksjoner i utenlandsk valuta omregnes til norske kroner ved transaksjonskur<span class=\"_ _0\"></span>sen p\u00e5 balansetidspunktet. Gevinst og tap knyttet til gjennomf\u00f8rte transaksjoner eller til omregning av beholdninger a<span class=\"_ _0\"></span>v pengeposter p\u00e5 balansedagen resultatf\u00f8res. Skatt<span class=\"_ _2cc\"> </span>Resultatf\u00f8rt skatt best\u00e5r a<span class=\"_ _0\"></span>v periodeskatt (betalbar skatt) og utsatt skatt. Periodeskatt er ber<span class=\"_ _0\"></span>egnet skatt p\u00e5 \u00e5rets skattepliktige resultat. Utsatt skatt regnskapsf\u00f8r<span class=\"_ _0\"></span>es etter gjeldsmetoden i samsvar med IAS 12. Det beregnes f<span class=\"_ _0\"></span>orpliktelse eller ei-<span class=\"_ _2cc\"> </span>endel ved utsatt skatt p\u00e5 midlertidige for<span class=\"_ _0\"></span>skjeller<span class=\"_ _1\"></span>, som er differansen mellom balansef\u00f8rt ver<span class=\"_ _0\"></span>di og skattemes-<span class=\"_ _2cc\"> </span>sig verdi p\u00e5 eiendeler og f<span class=\"_ _0\"></span>orpliktelser<span class=\"_ _1\"></span>. Det beregnes likev<span class=\"_ _0\"></span>el ikke f<span class=\"_ _0\"></span>orpliktelse eller eiendel ved utsatt skatt p\u00e5 goodwill som ikke gir skattemessige fradrag, og heller ikke p\u00e5 f\u00f8rstegangsinnr<span class=\"_ _0\"></span>egnede poster som verken p\u00e5virker regnsk<span class=\"_ _0\"></span>apsmessig eller skattepliktig resultat.<span class=\"_ _2cc\"> </span>Det beregnes en eiendel ved utsatt skatt p\u00e5 fr<span class=\"_ _0\"></span>emf\u00f8r-<span class=\"_ _2cc\"> </span>bare skattemessige underskudd. Eiendel v<span class=\"_ _0\"></span>ed utsatt skatt innregnes bare i det omf<span class=\"_ _0\"></span>ang det forventes fremtidig skattepliktige resultater som gj\u00f8r det mulig \u00e5 utnytte den tilh\u00f8rende skattef<span class=\"_ _0\"></span>ordelen. Formueskatt blir presentert som driftsk<span class=\"_ _0\"></span>ostnad i kon-<span class=\"_ _2cc\"> </span>sernets regnskap.<span class=\"_ _2cc\"> </span>Innskudd fra kunder<span class=\"_ _2cc\"> </span>Innskudd fra kunder vurderes til amortisert kost.<span class=\"_ _2cc\"> </span>Gjeld ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span>L\u00e5n innregnes f\u00f8rstegang til opptaksk<span class=\"_ _0\"></span>ost. Dette er virkelig ver<span class=\"_ _0\"></span>di av det mottatte vederlaget etter fradrag av transaksjonsutgifter<span class=\"_ _141\"></span>. L\u00e5n m\u00e5les deretter til amortisert<span class=\"_ _3\"></span> kost. Enhver f<span class=\"_ _0\"></span>orskjell mellom opptakskost og opp<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>gj\u00f8rsbel\u00f8pet ved f<span class=\"_ _0\"></span>orfall blir dermed periodisert over l\u00e5netiden ved hjelp av l\u00e5nets eff<span class=\"_ _0\"></span>ektive rente. L\u00e5n med fastrente sikringsbokf\u00f8res (virk<span class=\"_ _0\"></span>elig verdi sikring). Det benyttes ikke virk<span class=\"_ _0\"></span>elig verdi opsjon f<span class=\"_ _0\"></span>or konsernets gjeld.<span class=\"_ _2cc\"> </span>Usikre forpliktelser<span class=\"_ _2cc\"> </span>Banken utsteder finansielle garantier som ledd i den ordin\u00e6re virksomheten. T<span class=\"_ _141\"></span>apsvurderinger skjer som ledd i vurderingen av tap p\u00e5 utl\u00e5n og etter de samme prinsipper og rapporteres sammen med disse. Det foretas a<span class=\"_ _0\"></span>vsetninger for andr<span class=\"_ _0\"></span>e usikre forpliktelser der-<span class=\"_ _2cc\"> </span>som det er sannsynlighetsovervekt f<span class=\"_ _0\"></span>or at forpliktelsen materialiserer seg og de \u00f8konomisk<span class=\"_ _0\"></span>e konsekv<span class=\"_ _0\"></span>ensene kan beregnes p\u00e5litelig. Det gis opplysninger om usikr<span class=\"_ _0\"></span>e forpliktelser som ikk<span class=\"_ _0\"></span>e fyller kriteriene for balansef\u00f8ring dersom de er vesentlige. Pensjoner<span class=\"_ _2cc\"> </span>SpareBank 1 Ringerike Hadeland k<span class=\"_ _0\"></span>onsernet har eta-<span class=\"_ _2cc\"> </span>blert ulike pensjonsordninger f<span class=\"_ _0\"></span>or sine ansatte. Pen-<span class=\"_ _2cc\"> </span>sjonsordningene tilfredsstiller kra<span class=\"_ _0\"></span>vene om obligatorisk tjenestepensjon.  Ytelsesbasert ordning<span class=\"_ _2cc\"> </span>I en ytelsesbasert ordning er arbeidsgiver f<span class=\"_ _0\"></span>orpliktet til \u00e5 yte pensjon av n\u00e6rmere angitt st\u00f8rr<span class=\"_ _0\"></span>else. Ut-<span class=\"_ _2cc\"> </span>gangspunktet for beregning a<span class=\"_ _0\"></span>v pensjonskostnader er line\u00e6r fordeling a<span class=\"_ _0\"></span>v pensjonsopptjening mot sannsynlig akkumulert forpliktelse ved pensjoneringstidspunktet. Kostnadene ber<span class=\"_ _0\"></span>egnes ut fra \u00e5rets p\u00e5l\u00f8pte pensjons-<span class=\"_ _2cc\"> </span>rettigheter og rentek<span class=\"_ _0\"></span>ostnader p\u00e5 tidligere p\u00e5l\u00f8pte rettigheter<span class=\"_ _1\"></span>, fratrukket avk<span class=\"_ _0\"></span>astning p\u00e5 pensjonsmidlene og periodisert arbeidsgiverav<span class=\"_ _0\"></span>gift. Pensjonsforpliktel-<span class=\"_ _2cc\"> </span>sene beregnes som n\u00e5ver<span class=\"_ _0\"></span>dien av estimerte fremtidige pensjonsytelser som regnskapsmessig anses opptjent p\u00e5 balansedagen. V<span class=\"_ _0\"></span>ed beregning a<span class=\"_ _0\"></span>v pensjonsfor-<span class=\"_ _2cc\"> </span>pliktelsene benyttes aktuarmessige og \u00f8konomisk<span class=\"_ _0\"></span>e forutsetninger om blant annet lev<span class=\"_ _0\"></span>ealder<span class=\"_ _1\"></span>, l\u00f8nnsvekst og uttakstilb\u00f8yelighet. Konsernet benytter \u00f8k<span class=\"_ _0\"></span>onomiske forutsetninger som anbefalt a<span class=\"_ _0\"></span>v Norsk Regnsk<span class=\"_ _0\"></span>apsstiftel<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span>se. Konsernet har benyttet K2013BE som tabell f<span class=\"_ _0\"></span>or le-<span class=\"_ _2cc\"> </span>vetidsalder utarbeidet av Gabler<span class=\"_ _141\"></span>. T<span class=\"_ _1\"></span>abellen gir styrkede forutsetninger f<span class=\"_ _0\"></span>or levetid enn K2013, men er mer f<span class=\"_ _0\"></span>orsik<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span>tig enn finanstilsynets d\u00f8delighetsmodell K2013FT<span class=\"_ _141\"></span>. Endring i pensjonsplaner resultatf\u00f8res v<span class=\"_ _0\"></span>ed planen-<span class=\"_ _2cc\"> </span>dringstidspunktet. Pensjonskostnaden er basert p\u00e5 forutsetninger fastsatt v<span class=\"_ _0\"></span>ed periodens begynnelse og klassifiseres som personalk<span class=\"_ _0\"></span>ostnader i regnskapet. Det avsettes arbeidsgiv<span class=\"_ _0\"></span>eravgift p\u00e5 pensjonsk<span class=\"_ _0\"></span>ostnader og pensjonsforpliktelser<span class=\"_ _1\"></span>. Estimatavvik resultatf\u00f8r<span class=\"_ _0\"></span>es over konsernets totalresultat. Konsernets ytelsesbaserte ordninger er lukk<span class=\"_ _0\"></span>et for ny<span class=\"_ _0\"></span>e ansatte. Innskuddsbasert ordning<span class=\"_ _2cc\"> </span>Innskuddsbaserte pensjonsordninger inneb\u00e6rer at konsernet ikk<span class=\"_ _0\"></span>e gir l\u00f8fte om fremtidig pensjon av en gitt st\u00f8rrelse, men betaler et \u00e5rlig tilskudd til de ansattes pensjonssparing. Den fremtidige pensjonen vil avhenge a<span class=\"_ _0\"></span>v st\u00f8rrelsen p\u00e5 tilskuddet og den \u00e5rlige avkastningen p\u00e5 pensjonssparingen. K<span class=\"_ _0\"></span>onsernet har ingen ytterligere forpliktelser knyttet til le<span class=\"_ _0\"></span>vert arbeids-<span class=\"_ _2cc\"> </span>innsats etter at det \u00e5rlige innskuddet er betalt. Det er ingen avsetning f<span class=\"_ _0\"></span>or p\u00e5l\u00f8pte pensjonsforpliktelser i slike ordninger<span class=\"_ _141\"></span>. Innskuddsbaserte pensjonsordninger kostnadsf\u00f8res dir<span class=\"_ _0\"></span>ekte.<span class=\"_ _2cc\"> </span>Konsernet har tilbudt innskuddsbasert pensjonsord-<span class=\"_ _2cc\"> </span>ning for sine ansatte siden 1. juli 2010.<span class=\"_ _2cc\"> </span>Pensjonsa<span class=\"_ _0\"></span>vtaler finansiert direkte over driften<span class=\"_ _2cc\"> </span>Banken har ogs\u00e5 pensjonsa<span class=\"_ _0\"></span>vtaler finansiert direkte over driften. Basert p\u00e5 f<span class=\"_ _0\"></span>orsikringstekniske prinsipper beregnes n\u00e5ver<span class=\"_ _0\"></span>dien av antatt fremtidige pensjons-<span class=\"_ _2cc\"> </span>ytelser<span class=\"_ _1\"></span>. Disse pensjonsforpliktelsene er avsatt som langsiktig gjeld i regnskapet.<span class=\"_ _2cc\"> </span>Avtalef<span class=\"_ _0\"></span>estet f\u00f8rtidspensjon<span class=\"_ _2cc\"> </span>Bank- og finansn\u00e6ringen har inng\u00e5tt avtale om a<span class=\"_ _0\"></span>vta-<span class=\"_ _2cc\"> </span>lefestet pensjon (AFP). Ordningen dekk<span class=\"_ _0\"></span>er f\u00f8rtidspen-<span class=\"_ _2cc\"> </span>sjon fra 62 til 67 \u00e5r<span class=\"_ _1\"></span>. Bankens ansvar er 100 prosent a<span class=\"_ _0\"></span>v pensjonen som utbetales mellom 62 og 64 \u00e5r og 60 prosent av pensjonen som utbetales mellom 65 og 67 \u00e5r<span class=\"_ _1\"></span>. Opptak av nye pensjonister opph\u00f8rte med virkning fra 31. desember 2010.<span class=\"_ _2cc\"> </span>Lov om statstilskudd til arbeidstak<span class=\"_ _0\"></span>ere som tar ut av-<span class=\"_ _2cc\"> </span>talefestet pensjon i privat sektor (AFP-tilskuddslov<span class=\"_ _0\"></span>en) tr\u00e5dte i kraft 19. februar 2010. Arbeidstak<span class=\"_ _0\"></span>ere som tar ut AFP med virkningstidspunkt i 2011 eller senere, vil bli gitt ytelser etter den nye ordningen. Ny AFP-or<span class=\"_ _0\"></span>d<span class=\"_ _2cc\"> </span>-<span class=\"_ _2cc\"> </span>ning utgj\u00f8r et livsvarig p\u00e5slag p\u00e5 Folk<span class=\"_ _0\"></span>etrygden og kan tas ut fra 62 \u00e5r<span class=\"_ _1\"></span>. Arbeidstakere tjener \u00e5rlig opp rett til AFP med 0,314 % av pensjonsgivende inntekt opp til 7<span class=\"_ _141\"></span>,<span class=\"_ _0\"></span>1G frem til 62 \u00e5r<span class=\"_ _1\"></span>. Opptjening i ny ordning beregnes p\u00e5 bakgrunn a<span class=\"_ _0\"></span>v arbeidstakerens livsinntekt, slik at alle tidligere arbeids\u00e5r innregnes i opptjeningsgrunnlaget.<span class=\"_ _2cc\"> </span>Den nye AFP-ordningen anses r<span class=\"_ _0\"></span>egnskapsmessig \u00e5 v\u00e6re en ytelsesbasert flerforetaksor<span class=\"_ _0\"></span>dning. Dette inne<span class=\"_ _2cc\"> </span>-<span class=\"_ _2cc\"> </span>b\u00e6rer at det enkelte f<span class=\"_ _0\"></span>oretak<span class=\"_ _0\"></span>et skal regnskapsf\u00f8re sin proporsjonale andel a<span class=\"_ _0\"></span>v ordningens pensjonsforpliktel-<span class=\"_ _2cc\"> </span>se, pensjonsmidler og pensjonskostnad. Dersom det ikke f<span class=\"_ _0\"></span>oreligger beregninger a<span class=\"_ _0\"></span>v de enkelte komponen-<span class=\"_ _2cc\"> </span>tene i ordningen og et konsistent og p\u00e5litelig grunnlag for allok<span class=\"_ _0\"></span>ering, regnskapsf\u00f8res den ny<span class=\"_ _0\"></span>e AFP-ordningen som en innskuddsordning. P\u00e5 det n\u00e5v\u00e6rende tids-<span class=\"_ _2cc\"> </span>punkt foreligger det ikk<span class=\"_ _0\"></span>e slikt grunnlag, og den nye AFP-ordningen regnskapsf\u00f8r<span class=\"_ _0\"></span>es derfor som en inn-<span class=\"_ _2cc\"> </span>skuddsordning. R<span class=\"_ _0\"></span>egnskapsf\u00f8ring av ny AFP-ordning som ytelsesordning vil f\u00f8rst skje n\u00e5r p\u00e5litelig m\u00e5ling og allokering kan f<span class=\"_ _0\"></span>oretas. Ny ordning skal finansier<span class=\"_ _0\"></span>es ved at Staten dekker 1/3 a<span class=\"_ _0\"></span>v pensjonsutgiftene og 2/3 skal dekkes a<span class=\"_ _0\"></span>v arbeidsgiverne. Arbeidsgivernes pr<span class=\"_ _0\"></span>e-<span class=\"_ _2cc\"> </span>mie skal fastsettes som en prosentandel a<span class=\"_ _0\"></span>v l\u00f8nnsutbe-<span class=\"_ _2cc\"> </span>talinger mellom 1G og 7<span class=\"_ _141\"></span>,<span class=\"_ _0\"></span>1G.<span class=\"_ _2cc\"> </span>I tr\u00e5d med anbefalingen fra Norsk R<span class=\"_ _0\"></span>egnskapsstiftel-<span class=\"_ _2cc\"> </span>se er det i regnskaps\u00e5ret ikk<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span>etatt avsetning f<span class=\"_ _0\"></span>or konsernets reelle AFP-f<span class=\"_ _0\"></span>orpliktelse. Dette skyldes at Felleskontor<span class=\"_ _0\"></span>et for L<span class=\"_ _1\"></span>O/NHO s\u00e5 langt ikke har foretatt de n\u00f8dvendige beregninger<span class=\"_ _141\"></span>.  <span class=\"ff2\">Segmentrapportering<span class=\"_ _2cc\"> </span></span>SpareBank 1 Ringerike Hadeland har Privatmark<span class=\"_ _0\"></span>ed (privatkunder og mindre bedriftsengasjementer) og Bedriftsmarked (BM, st\u00f8rre engasjementer), i tillegg til eiendomsmeglervirksomhet samt IT<span class=\"_ _1\"></span>- og regnskapstje-<span class=\"_ _2cc\"> </span>nester<span class=\"_ _1\"></span>, som sitt prim\u00e6re rapporteringsformat. Kon-<span class=\"_ _2cc\"> </span>sernet presenterer en sektor- og n\u00e6ringsf<span class=\"_ _0\"></span>ordeling av utl\u00e5n og innskudd som sitt sekund\u00e6re rapporterings-<span class=\"_ _2cc\"> </span>format, hvor \u00abk<span class=\"_ _0\"></span>ey decision maker\u00bb er definert som konsernets ledergruppe. K<span class=\"_ _0\"></span>onsernets segmentrappor-<span class=\"_ _2cc\"> </span>tering er i samsvar med IFRS 8.<span class=\"_ _2cc\"> </span>Ansvarlige l\u00e5n og fondsobligasjoner<span class=\"_ _2cc\"> </span>Ansvarlige l\u00e5n har prioritet etter all annen gjeld. Ansvarlige l\u00e5n klassifiseres som ansvarlig l\u00e5nekapital i balansen. Ansvarlige l\u00e5n med flytende rente m\u00e5les et-<span class=\"_ _2cc\"> </span>ter amortisert kost slik som andre langsiktige l\u00e5n med flytende rente. Ansvarlig l\u00e5n med fastr<span class=\"_ _0\"></span>ente tilfredsstil-<span class=\"_ _2cc\"> </span>ler kravene til sikringsbokf\u00f8ring og vil der det er aktu-<span class=\"_ _2cc\"> </span>elt bli benyttet virkelig ver<span class=\"_ _0\"></span>di-sikring, hvor utstedelsen inng\u00e5r i et sikringsforhold med individuelt tilpassede sikringsderivater<span class=\"_ _1\"></span>. En fondsobligasjon er en obligasjon med p\u00e5lydende rente, men konsernet har ingen plikt til \u00e5 betale ut renter i en periode hvor det ikk<span class=\"_ _0\"></span>e utbetales utbytte, og investor har heller ikke sener<span class=\"_ _0\"></span>e krav p\u00e5 renter som ikke er utbetalt, som betyr at rente akkumuleres ikk<span class=\"_ _0\"></span>e. Finanstilsynet kan kre<span class=\"_ _0\"></span>ve at fondsobligasjonen skriv<span class=\"_ _0\"></span>es ned proporsjonalt med egenkapitalen dersom k<span class=\"_ _0\"></span>onser-<span class=\"_ _2cc\"> </span>nets kjernekapitaldekning faller under 5 % eller samlet kapitaldekning faller under 8 %. Nedskre<span class=\"_ _0\"></span>vne bel\u00f8p p\u00e5 fondsobligasjonen skal v\u00e6r<span class=\"_ _0\"></span>e skrevet opp f\u00f8r det k<span class=\"_ _0\"></span>an utbetales utbytte til egenkapitalbeviseierne eller egen-<span class=\"_ _2cc\"> </span>kapitalen skrives opp.<span class=\"_ _2cc\"> </span>Fondsobligasjon klassifiseres som gjeld i balansen der-<span class=\"_ _2cc\"> </span>som de tilfredsstiller definisjonen av finansiell f<span class=\"_ _0\"></span>orplik-<span class=\"_ _2cc\"> </span>telse i henhold til IAS 32. Renter p\u00e5 f<span class=\"_ _0\"></span>ondsobligasjoner klassifisert som gjeld resultatf\u00f8res. Fondsobligasjoner som ikke tilfredsstiller betingelsene klassifiser<span class=\"_ _0\"></span>es som egenkapital under posten hybridkapital. R<span class=\"_ _0\"></span>enter p\u00e5 fondsobligasjoner klassifisert som egenkapital presen-<span class=\"_ _2cc\"> </span>teres ikke som r<span class=\"_ _0\"></span>entekostnad i resultatet, men som en reduksjon i egenkapitalen.<span class=\"_ _2cc\"> </span>Utbytte og gav<span class=\"_ _0\"></span>er<span class=\"_ _2cc\"> </span>Foresl\u00e5tt utb<span class=\"_ _0\"></span>ytte p\u00e5 egenkapitalbevis og gav<span class=\"_ _0\"></span>er pre-<span class=\"_ _2cc\"> </span>senteres som egenkapital i perioden frem til det er vedtatt av bank<span class=\"_ _0\"></span>ens representantsk<span class=\"_ _0\"></span>ap.<span class=\"_ _2cc\"> </span>Hendelser etter balansedagen<span class=\"_ _2cc\"> </span>Regnskapet anses som godkjent f<span class=\"_ _0\"></span>or offentliggj\u00f8ring n\u00e5r styret har behandlet regnskapet. R<span class=\"_ _0\"></span>epresentant-<span class=\"_ _2cc\"> </span>skap og regulerende myndigheter vil etter dette kun-<span class=\"_ _2cc\"> </span>ne nekte \u00e5 godkjenne regnskapet, men ikke f<span class=\"_ _0\"></span>orandre dette. Hendelser fram til regnskapet anses godkjent f<span class=\"_ _0\"></span>or offentliggj\u00f8ring og som v<span class=\"_ _0\"></span>edr\u00f8rer forhold p\u00e5 balanse-<span class=\"_ _2cc\"> </span>dagen, vil inng\u00e5 i informasjonsgrunnlaget f<span class=\"_ _0\"></span>or fastset-<span class=\"_ _2cc\"> </span>telsen av regnsk<span class=\"_ _0\"></span>apsestimater og s\u00e5ledes reflekteres fullt ut i regnskapet. Hendelser som vedr\u00f8rer f<span class=\"_ _0\"></span>orhold etter balansedagen, vil bli opplyst om dersom de er vesentlige. Alternative resultatm\u00e5l (APM) I kvartals- og \u00e5rsrapporten presenteres det alternative resultatm\u00e5l i tillegg til m\u00e5ltall som reguler<span class=\"_ _0\"></span>es av IFRS. Dette vil kunne hjelpe brukere til \u00e5 f<span class=\"_ _0\"></span>orst\u00e5 virksomhe-<span class=\"_ _2cc\"> </span>ten bedre og gi mer tydelig inf<span class=\"_ _0\"></span>ormasjon om hvordan konsernet har prestert eller f<span class=\"_ _0\"></span>orventer \u00e5 prestere. F<span class=\"_ _0\"></span>or en n\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v de alternative resultatm\u00e5le-<span class=\"_ _2cc\"> </span>ne som benyttes henvises det til bankens hjemmeside: www<span class=\"_ _1\"></span>.rhbank.no<span class=\"_ _2cc\"> </span>Note 3 \u2013 Kritiske estimater og vur<span class=\"_ _0\"></span>deringer vedr\u00f8r<span class=\"_ _0\"></span>ende bruk                 av r<span class=\"_ _0\"></span>egnskapsprinsipper<span class=\"_ _2cc\"> </span>V<span class=\"_ _0\"></span>ed utarbeidelse av selskaps- og k<span class=\"_ _0\"></span>onsernregnskapet foretar ledelsen estimater<span class=\"_ _141\"></span>, skj\u00f8nnsmessige vurderinger og forutsetninger som p\u00e5virk<span class=\"_ _0\"></span>er effekten av anv<span class=\"_ _0\"></span>endelsen av regnsk<span class=\"_ _0\"></span>apsprinsipper og informasjon i noter<span class=\"_ _1\"></span>. Dette vil derfor p\u00e5virke r<span class=\"_ _0\"></span>egnskapsf\u00f8rte bel\u00f8p for eiendeler<span class=\"_ _1\"></span>, forpliktelser<span class=\"_ _1\"></span>, inntekter og kostnader og noteopplysnin<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ger<span class=\"_ _1\"></span>. Estimater og skj\u00f8nnsmessige vurderinger evalueres l\u00f8pende og er basert p\u00e5 historisk erfaring og forventnin<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ger om fremtidige hendelser som anses \u00e5 v\u00e6re sannsyn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>lige p\u00e5 balansetidspunktet. Faktiske resultater vil a<span class=\"_ _0\"></span>vvike fra de estimerte st\u00f8rrelser<span class=\"_ _1\"></span>. Postene omtalt under er utvalgte poster hvor det utvises st\u00f8rst grad a<span class=\"_ _0\"></span>v skj\u00f8nn.<span class=\"_ _2cc\"> </span>T<span class=\"_ _141\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span>Det vises til note 2 for en detaljert beskrivelse a<span class=\"_ _0\"></span>v an-<span class=\"_ _2cc\"> </span>vendt tapsmodell i henhold til IFRS 9. Modellen inne-<span class=\"_ _2cc\"> </span>holder flere kritiske estimater<span class=\"_ _141\"></span>. De viktigste er knyttet til definisjonen av vesentlig \u00f8kt kr<span class=\"_ _0\"></span>edittrisiko og viktige forutsetninger i den generelle tapsmodellen.<span class=\"_ _2cc\"> </span>V<span class=\"_ _0\"></span>esentlig \u00f8kt kredittrisik<span class=\"_ _0\"></span>o M\u00e5lingen av nedskrivingen f<span class=\"_ _0\"></span>or forventet tap i den generelle tapsmodellen avhenger a<span class=\"_ _0\"></span>v om kredittrisik<span class=\"_ _0\"></span>oen har \u00f8kt vesentlig siden f\u00f8rste gangs balansef\u00f8ring. Kre-<span class=\"_ _2cc\"> </span>dittforverringen m\u00e5les ved utviklingen i \u00f8k<span class=\"_ _0\"></span>onomisk PD. \u00d8konomisk PD er bank<span class=\"_ _0\"></span>ens beste vurdering av kundens misligholdsrisiko. Bank<span class=\"_ _0\"></span>en definerer at en vesentlig grad av kredittf<span class=\"_ _0\"></span>orverring inntreff<span class=\"_ _0\"></span>er n\u00e5r kundens PD har \u00f8kt med over 150 pr<span class=\"_ _0\"></span>osent til et PD-niv\u00e5 over 0,60 prosent. I tillegg anses kredittrisikoen v\u00e6r<span class=\"_ _0\"></span>e vesentlig \u00f8kt n\u00e5r en konto er i ov<span class=\"_ _0\"></span>ertrekk eller har restanse p\u00e5 30 dager eller mer<span class=\"_ _1\"></span>, kunden har PD over 10 prosent, samt n\u00e5r kunden er satt til s\u00e6rlig oppf\u00f8lging. Sensitivitetsanalyse<span class=\"_ _2cc\"> </span>Banken har simulert effekter a<span class=\"_ _0\"></span>v \u00e5 endre p\u00e5 f<span class=\"_ _0\"></span>orutsetnin-<span class=\"_ _2cc\"> </span>gene de ulike scenarioene. Det er simulert effekten a<span class=\"_ _0\"></span>v \u00e5 \u00f8ke PD- og L<span class=\"_ _1\"></span>GD estimatene f\u00f8rste \u00e5r (andre forhold er holdt like). Simulering hvis PD \u00f8k<span class=\"_ _0\"></span>er med 100 prosent (andre forhold er holdt lik<span class=\"_ _0\"></span>e) tilsier at niv\u00e5et p\u00e5 forventet tap endres vesentlig. F<span class=\"_ _0\"></span>orventet tap p\u00e5 utl\u00e5n i morban-<span class=\"_ _2cc\"> </span>ken \u00f8k<span class=\"_ _0\"></span>er med 59 mill. kroner (+44 prosent). Eff<span class=\"_ _0\"></span>ekten av migrering er ikke inkludert her<span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span>Tilsvarende simulering hvis L<span class=\"_ _1\"></span>GD \u00f8ker med 100 prosent (andre forhold er holdt lik<span class=\"_ _0\"></span>e). Simuleringen tilsier at niv\u00e5-<span class=\"_ _2cc\"> </span>et p\u00e5 forventet tap endres v<span class=\"_ _0\"></span>esentlig ogs\u00e5 her<span class=\"_ _1\"></span>. Forven-<span class=\"_ _2cc\"> </span>tet tap p\u00e5 utl\u00e5n i morbanken \u00f8k<span class=\"_ _0\"></span>er med 84 mill. kroner (+63 prosent).<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w1d4 h30\" id=\"_6364aa2a-b22c-4b65-ad0f-f63baadd70d1\"><tr><td></td><td class=\"c n x441 yf2a w1d5 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x442 yf2a w1d6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x443 yf2a w1d7 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w1d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Endring av PD niv\u00e5 med 100%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x444 yf2b w1d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x445 yf2b wc9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x446 yf2b w1da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">59<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w1db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Endring av L<span class=\"_ _0\"></span>GD-niv\u00e5 med 100%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x447 yf2c w1dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">73<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x448 yf2c w1dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x449 yf2c w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">84<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w1de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44a ye84 w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44b ye84 w1df h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">19<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44c ye84 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">143<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Scenariovekting og estimat p\u00e5 f<span class=\"_ _0\"></span>orventet utvikling p\u00e5 misligholds- og tapsniv\u00e5<span class=\"_ _2cc\"> </span>Den generelle tapsmodellen beregner f<span class=\"_ _0\"></span>orventet tap under tre scenarier for \u00f8k<span class=\"_ _0\"></span>onomisk utvikling; Scenario 1, Scenario 2 og Scenario 3. Scenarioene benytter fremti-<span class=\"_ _2cc\"> </span>dige prognoser p\u00e5 arbeidsledighet og renteniv\u00e5 f<span class=\"_ _0\"></span>or \u00e5 beregne misligholdsrisiko (PD). T<span class=\"_ _141\"></span>ap gitt mislighold (L<span class=\"_ _0\"></span>GD) beregnes basert p\u00e5 prognoser p\u00e5 utvikling i sikk<span class=\"_ _0\"></span>erhets-<span class=\"_ _2cc\"> </span>verdier<span class=\"_ _141\"></span>. som er de viktigste forutsetningene for bereg-<span class=\"_ _2cc\"> </span>ningene av f<span class=\"_ _0\"></span>orventet tap (ECL). Scenario 1 er forventet utvikling, og de makro\u00f8k<span class=\"_ _0\"></span>ono-<span class=\"_ _2cc\"> </span>miske prognosene i Nor<span class=\"_ _0\"></span>ges Bank Pengepolitisk rapport 4/25 er lagt til grunn. Arbeidsledigheten forventes \u00e5 \u00f8ke litt de neste to \u00e5rene f\u00f8r den f<span class=\"_ _0\"></span>aller tilbake og stabilserer seg p\u00e5 et niv\u00e5 tilsvarende de niv\u00e5ene vi s\u00e5 ved inngangen til \u00e5ret. R<span class=\"_ _0\"></span>entebanen tilsier en gradvis nedgang til rundt 3,5 prosent i 2028. Prisutvikling p\u00e5 sikkerheter i BM-segmentet f<span class=\"_ _0\"></span>orventes \u00e5 \u00f8ke svakt gjen-<span class=\"_ _2cc\"> </span>nom prognoseperioden. Scenario 2 reflekterer en kraftig f<span class=\"_ _0\"></span>orverring av makro-<span class=\"_ _2cc\"> </span>forutsetningene, med et raskt \u00f8k<span class=\"_ _0\"></span>ende renteniv\u00e5, \u00f8kt arbeidsledighet og fallende sikkerhetsv<span class=\"_ _0\"></span>erdier<span class=\"_ _1\"></span>. Bankens Scenario 2 er basert p\u00e5 Finanstilsynets Finansielt Utsyn 06/25 framskrev<span class=\"_ _0\"></span>et fra dagens rente-, arbeidsledighets- og sikkerhetsv<span class=\"_ _0\"></span>erdiniv\u00e5. Scenario <span class=\"_ _6c\"></span>vektingen er gjenstand for l\u00f8pende vurdering basert p\u00e5 tilgjengelig inf<span class=\"_ _0\"></span>orma-<span class=\"_ _2cc\"> </span>sjon.<span class=\"_ _2cc\"> </span>Scenario 3 reflekterer en flat utvikling i r<span class=\"_ _0\"></span>ente- og arbeidsledighetsprognosene gjennom perioden. Prisutvikling i BM-segmentet er forventet \u00e5 \u00f8k<span class=\"_ _0\"></span>e med inflasjonsm\u00e5let \u00e5rlig. Etterslep i boligbygging f<span class=\"_ _0\"></span>orventes \u00e5 bidra til at prisveksten p\u00e5 boliger er noe h\u00f8y<span class=\"_ _0\"></span>ere. Gjennom \u00e5ret er scenariov<span class=\"_ _0\"></span>ekting p\u00e5 80-10-<span class=\"_ _0\"></span>10 opprett-<span class=\"_ _2cc\"> </span>holdt som tidligere, da banken ikk<span class=\"_ _0\"></span>e har identifisert en endring i de makro\u00f8konomisk<span class=\"_ _0\"></span>e forholdene som tilsier at vektingen burde endr<span class=\"_ _0\"></span>es. Bankens modellov<span class=\"_ _0\"></span>erstyrin-<span class=\"_ _2cc\"> </span>ger og skj\u00f8nnsmessige tilpasninger beskrives under \u00abfaktisk utvikling\u00bb. Sensitivitet scenariovekting<span class=\"_ _2cc\"> </span>En 10%-poengs reduksjon i sannsynlighet f<span class=\"_ _0\"></span>or Scenario 1 og tilsvarende 10%-poengs \u00f8kning i sannsynligheten f<span class=\"_ _0\"></span>or stress-scenariet (Scenario 2) resulterte i \u00f8kte tapsa<span class=\"_ _0\"></span>v-<span class=\"_ _2cc\"> </span>setninger p\u00e5 ca. 14,2 mill.kr<span class=\"_ _1\"></span>. Dette illustrerer sensitivi-<span class=\"_ _2cc\"> </span>teten ved en h\u00f8yer<span class=\"_ _0\"></span>e vekting av sannsynlighet f<span class=\"_ _0\"></span>or at stress-scenariet sl\u00e5r til.  En 10%-poengs reduksjon i sannsynlighet f<span class=\"_ _0\"></span>or ba-<span class=\"_ _2cc\"> </span>sis-scenariet og tilsvarende 10 %-poengs \u00f8kning i sann-<span class=\"_ _2cc\"> </span>synlighet for det beste scenariet (Scenario 3) r<span class=\"_ _0\"></span>esulterer i \u00f8kte tapsavsetninger p\u00e5 1,6 mill.kr<span class=\"_ _141\"></span>. Dette illustrerer sensitiviteten ved en h\u00f8yer<span class=\"_ _0\"></span>e vekting av sannsynlighet for at Scenario 3 sl\u00e5r til.  <div class=\"gs2bf\"><table class=\"s w1e1 h31\" id=\"_5e440e60-16d2-4c05-8f33-40e162560e0d\"><tr><td></td><td class=\"c n x44e yf2d w1e2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44f yf2d w1e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x450 yf2d w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2e w1e5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ECL i forventet scenario (Base case)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x451 yf2e w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x452 yf2e wc5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x453 yf2e w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2f w1e7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ECL i nedsidescenario (W<span class=\"_ _0\"></span>orst case)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x454 yf2f w68 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x455 yf2f wc7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x456 yf2f w18 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">260<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf30 w1e8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ECL i oppsidescenario (Best case)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x457 yf30 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">112<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x458 yf30 w122 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x459 yf30 w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">134<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha yf31 ff4 fs7 fc3 sc0 ls0 ws0\">ECL med anvendt scenariov<span class=\"_ _0\"></span>ekting<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf32 w1ea h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">80/10/10 *)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45b yf32 w1eb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">111<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45c yf32 wda h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45d yf32 w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">134<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha yf33 ff4 fs7 fc3 sc0 ls0 ws0\">ECL med alternativ scenariovekting<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf34 w1ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70/20/10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45e yf34 w1ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45f yf34 w1ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x460 yf34 w1ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">148<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha yf35 ff4 fs7 fc3 sc0 ls0 ws0\">ECL med alternativ scenariovekting<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye84 w1ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70/10/20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x461 ye84 w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">112<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x462 ye84 w1f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x463 ye84 w1f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">135<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Faktisk utvikling<span class=\"_ _2cc\"> </span>Vi har over tid observert h\u00f8y prisv<span class=\"_ _0\"></span>ekst i Norge, med \u00f8kte konsumpriser og l\u00f8nnsv<span class=\"_ _0\"></span>ekst som resultat. Det er fortsatt n\u00f8dvendig med en innstrammende penge-<span class=\"_ _2cc\"> </span>politikk, og dersom renten settes ned f<span class=\"_ _0\"></span>or raskt kan prisveksten bli liggende o<span class=\"_ _0\"></span>ver m\u00e5let for lenge. Nor<span class=\"_ _0\"></span>ges Bank har senket styringsrenten fra 4,5 pr<span class=\"_ _0\"></span>osent ved inn-<span class=\"_ _2cc\"> </span>gangen til \u00e5ret til 4,0 prosent gjennom r<span class=\"_ _0\"></span>enteendringer i juni og september 2025. Det er h\u00f8y grad av usikk<span class=\"_ _0\"></span>erhet knyttet b\u00e5de til den \u00f8konomisk<span class=\"_ _0\"></span>e utviklingen og u<span class=\"_ _0\"></span>sik<span class=\"_ _0\"></span>ke<span class=\"_ _0\"></span>r-<span class=\"_ _2cc\"> </span>het rundt n\u00e5r<span class=\"_ _1\"></span>, og i hvor stor grad effekten av r<span class=\"_ _0\"></span>enteniv\u00e5et vil bli synlig i kredittmodellen, enten gjennom atf<span class=\"_ _0\"></span>erdsvari<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>abler eller regnskapstall f<span class=\"_ _0\"></span>or bedrifter<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span> Bankens BM og PM a<span class=\"_ _0\"></span>vdelinger har i l\u00f8pet \u00e5ret, som tidligere, gjennomf\u00f8rt kvartalsvise engasjementsgjen-<span class=\"_ _2cc\"> </span>nomganger med vurdering av kr<span class=\"_ _0\"></span>edittrisikoen som f\u00f8lge av dagens mark<span class=\"_ _0\"></span>edssituasjon - og fordi det er grunn til \u00e5 tro at effekter a<span class=\"_ _0\"></span>v et fortsatt h\u00f8yt renteniv\u00e5 vil sl\u00e5 inn i kredittmodellene med for<span class=\"_ _0\"></span>sinkelse Banken valgte \u00e5 opprettholde den skj\u00f8nnsmessige tilleggsav<span class=\"_ _0\"></span>setningen p\u00e5 12,5 mill. kr<span class=\"_ _1\"></span>. i p\u00e5vente av at vi ser bedring i atfer<span class=\"_ _0\"></span>dsva-<span class=\"_ _2cc\"> </span>riabler som f\u00f8lge av bedring i \u00f8k<span class=\"_ _0\"></span>onomiske rammevilk\u00e5r<span class=\"_ _141\"></span>. Videre er bankens modell f<span class=\"_ _0\"></span>or beregning a<span class=\"_ _0\"></span>v forventede tap oppdatert og grunnet kalibrering av L<span class=\"_ _1\"></span>GD-estimater ble tapsavsetningene r<span class=\"_ _0\"></span>edusert med om lag 17 mill. kr<span class=\"_ _1\"></span>. ved ikrafttredelse a<span class=\"_ _0\"></span>v ny modell. Virkelig ver<span class=\"_ _0\"></span>di egenkapitalinteresser<span class=\"_ _2cc\"> </span>M\u00e5ling av virk<span class=\"_ _0\"></span>elig verdi p\u00e5 aksjer som ikk<span class=\"_ _0\"></span>e omsettes i et aktivt marked vil bestemmes ved \u00e5 bruk<span class=\"_ _0\"></span>e en av f\u00f8lgende verdsettelsesmetoder: (i) siste kjente transaksjonskurs, (ii) resultat per aksje, (iii) utbytte per aksje, (<span class=\"_ _3\"></span>iv) rappor<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>tert EBITDA f<span class=\"_ _0\"></span>or underliggende aksjeselskap og (v) siste kjente transaksjonskurs p\u00e5 sammenlignbare instrumenter<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span> Slike ver<span class=\"_ _0\"></span>dsettelser vil v\u00e6re beheftet med usikkerhet. Note 4 \u2013 Segmentinformasjon<span class=\"_ _2cc\"> </span>Inndelingen i segmentene som beskrev<span class=\"_ _0\"></span>et under er knyttet til den m\u00e5ten konsernet styres og f\u00f8lges opp p\u00e5 internt i virksomheten slik besluttet i konsernledelsen iht. IFRS 8. P\u00e5 balanseposter segmentrapporteres det i morbanken kun p\u00e5 utl\u00e5n og innskudd. \u00d8vrige balanse-<span class=\"_ _2cc\"> </span>poster er klassifisert under \u00f8vrige. Rapporteringen av segmenter er inndelt i f\u00f8lgende omr\u00e5der: Privatmarked inneholder privatkunder f<span class=\"_ _0\"></span>or hele banken, samt mindre bedriftskunder<span class=\"_ _141\"></span>. Bedriftsmar-<span class=\"_ _2cc\"> </span>ked inneholder st\u00f8rre bedriftsengasjementer<span class=\"_ _141\"></span>. Eien-<span class=\"_ _2cc\"> </span>domsmegling samt IT<span class=\"_ _1\"></span>- og regnskapstjenester inne-<span class=\"_ _2cc\"> </span>holder virksomhet i datterselskaper<span class=\"_ _1\"></span>. Segment PM og segment BM er definert som kunder h\u00e5ndtert av henholdsvis PM og BM a<span class=\"_ _0\"></span>vdelingene. Det vil v\u00e6re kunder med BM sektor som behandles av PM avdelingene, og motsatt. Segmentinf<span class=\"_ _0\"></span>ormasjonen vil derfor ikke samsvar<span class=\"_ _0\"></span>e med note 11. Segmentnote er utarbeidet etter samme prinsipper som \u00e5rsregnskapet.<div class=\"gs2bf\"><table class=\"s w1f2 h32\" id=\"_d76129f3-83cb-4cc4-807e-0abd63d8d47b\"><tr><td class=\"t m0 x465 h1 yf36 ff2 fs0 fc2 sc0 ls0 ws0\">Konsern 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x466 hb yf37 ff2 fs7 fc3 sc0 ls0 ws0\">Eien-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x467 hb yf38 ff2 fs7 fc3 sc0 ls0 ws0\">Regn-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x468 hb yf39 ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige </td><td></td></tr><tr><td></td><td class=\"t m0 x469 hb yf3a ff2 fs7 fc3 sc0 lsa ws11\">Privatmar<span class=\"ls0 ws0\">-<span class=\"_ _2cc\"> </span></span></td><td class=\"t m0 x46a hb yf3a ff2 fs7 fc3 sc0 ls0 ws0\">Bedriftsmar-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46b hb yf3b ff2 fs7 fc3 sc0 ls0 ws0\">domsmeg-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46c hb yf3c ff2 fs7 fc3 sc0 ls0 ws0\">skapstje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46d hb yf3d ff2 fs7 fc3 sc0 ls0 ws0\">virksomhet/ </td><td class=\"t m0 x46e hb yf3d ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt kon-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 ha yf3e ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46f hb yf3e ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb yf3e ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x471 hb yf3f ff2 fs7 fc3 sc0 ls0 ws0\">ling<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x472 hb yf40 ff2 fs7 fc3 sc0 ls0 ws0\">nester<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x473 hb yf41 ff2 fs7 fc3 sc0 ls0 ws0\">eliminering<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x474 hb yf41 ff2 fs7 fc3 sc0 ls0 ws0\">sern<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb yf42 ff2 fs7 fc3 sc0 ls0 ws0\">RESUL<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf43 w1f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto renteinntekter og provisjon kr<span class=\"_ _0\"></span>edittforetak<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x475 yf43 w1f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">355<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x476 yf43 w1f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">448<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x477 yf43 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x478 yf43 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x479 yf43 w81 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">82<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47a yf43 w17c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">885<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf44 w1f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre provisjonsinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47b yf44 w1eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">111<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47c yf44 wf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">56<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47d yf44 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47e yf44 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47f yf44 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x480 yf44 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">168<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf45 w1f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x481 yf45 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x482 yf45 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x483 yf45 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">71<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x484 yf45 w1f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">95<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x485 yf45 w188 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">224<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x486 yf45 w1f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">392<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf46 w1f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Driftskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x487 yf46 w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x488 yf46 w1fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">147<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x489 yf46 wc0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">57<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48a yf46 wae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">88<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48b yf46 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48c yf46 w1fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">545<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf47 w5b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r tap<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48d yf47 w1fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">216<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48e yf47 w1fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">358<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48f yf47 w90 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x490 yf47 w117 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x491 yf47 w1ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">307<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x492 yf47 w5c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">900<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf48 w60 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x493 yf48 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x494 yf48 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x495 yf48 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x496 yf48 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x497 yf48 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x498 yf48 w5f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf49 w65 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x499 yf49 w200 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">220<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49a yf49 w201 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">358<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49b yf49 w90 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49c yf49 w117 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49d yf49 w1ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">307<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49e yf49 w66 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">905<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha yf4a ff4 fs7 fc3 sc0 ls0 ws0\">BALANSE<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf4b w202 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49f yf4b w203 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.715<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a0 yf4b w204 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.<span class=\"_ _0\"></span>146<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a1 yf4b w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a2 yf4b w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a3 yf4b w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a4 yf4b w205 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4c w206 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a5 yf4c wc4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221221<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a6 yf4c w207 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a7 yf4c w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a8 yf4c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a9 yf4c w5f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4aa yf4c w1a2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212144<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4d w208 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendring utover tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ab yf4d wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ac yf4d w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a7 yf4d w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a8 yf4d w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ad yf4d w1bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221262<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ae yf4d w209 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4e wce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4af yf4e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b0 yf4e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b1 yf4e w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b2 yf4e w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b3 yf4e wde h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5.970<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b4 yf4e w20b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.055<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4f w20c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b5 yf4f w20d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.726<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b6 yf4f w20e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.027<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b7 yf4f w1ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b8 yf4f w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b9 yf4f w20f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5.906<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ba yf4f w210 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">32.744<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf50 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bb yf50 w211 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15.010<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bc yf50 w212 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.478<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bd yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4be yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bf yf50 w159 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c0 yf50 w213 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22.462<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w214 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og egenkapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c1 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c2 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c3 yf51 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c4 yf51 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c5 yf51 w215 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.<span class=\"_ _1\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c6 yf51 wd7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.282<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w216 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum egenkapital og gjeld pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c7 ye84 w217 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15.010<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c8 ye84 w218 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.478<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c9 ye84 w1ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ca ye84 w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cb ye84 w219 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">10.171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cc ye84 wd4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">32.744<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w1f2 h32\" id=\"_862ec3c1-742b-44d3-8e00-569bb551ed24\"><tr><td class=\"t m0 x465 h1 yf52 ff2 fs0 fc2 sc0 ls0 ws0\">Konsern 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x466 hb yf53 ff2 fs7 fc3 sc0 ls0 ws0\">Eien-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x467 hb yf54 ff2 fs7 fc3 sc0 ls0 ws0\">Regn-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x468 hb yf55 ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige </td><td></td></tr><tr><td></td><td class=\"t m0 x469 hb yf56 ff2 fs7 fc3 sc0 lsa ws11\">Privatmar<span class=\"ls0 ws0\">-<span class=\"_ _2cc\"> </span></span></td><td class=\"t m0 x46a hb yf56 ff2 fs7 fc3 sc0 ls0 ws0\">Bedriftsmar-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46b hb yf57 ff2 fs7 fc3 sc0 ls0 ws0\">domsmeg-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46c hb yf58 ff2 fs7 fc3 sc0 ls0 ws0\">skapstje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46d hb yf59 ff2 fs7 fc3 sc0 ls0 ws0\">virksomhet/ </td><td class=\"t m0 x46e hb yf59 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt kon-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 ha yf5a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46f hb yf5a ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb yf5a ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x471 hb yf5b ff2 fs7 fc3 sc0 ls0 ws0\">ling<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x472 hb yf5c ff2 fs7 fc3 sc0 ls0 ws0\">nester<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x473 hb yf5d ff2 fs7 fc3 sc0 ls0 ws0\">eliminering<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x474 hb yf5d ff2 fs7 fc3 sc0 ls0 ws0\">sern<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb yf5e ff2 fs7 fc3 sc0 ls0 ws0\">RESUL<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf43 w1f3 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Netto renteinntekter og provisjon kr<span class=\"_ _0\"></span>edittforetak<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x475 yf43 w1f4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">355<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cd yf43 w21a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">435<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ce yf43 w89 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cf yf43 w75 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d0 yf43 w3a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">80<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d1 yf43 w21b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">871<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf44 w1f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre provisjonsinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d2 yf44 w21c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">107<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d3 yf44 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">58<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d4 yf44 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d5 yf44 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d6 yf44 w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d7 yf44 w21e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">168<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf5f w1f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d8 yf5f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d9 yf5f w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4da yf5f w12 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">56<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4db yf5f w3e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4dc yf5f w18 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">206<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4dd yf5f w100 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">350<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf46 w1f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Driftskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4de yf46 w188 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">242<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4df yf46 w1ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e0 yf46 we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">49<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e1 yf46 w21f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">90<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e2 yf46 w1bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e3 yf46 w220 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">478<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf47 w5b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r tap<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e4 yf47 w200 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">220<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e5 yf47 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">371<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e6 yf47 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e7 yf47 w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e8 yf47 w223 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">315<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e9 yf47 w5d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">911<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf48 w60 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ea yf48 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4eb yf48 w224 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">27<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ec yf48 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ed yf48 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ee yf48 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ef yf48 we0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf49 w65 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f0 yf49 w225 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">214<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49a yf49 w226 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">344<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f1 yf49 w227 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f2 yf49 w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f3 yf49 w223 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">315<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f4 yf49 w228 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">877<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha yf60 ff4 fs7 fc3 sc0 ls0 ws0\">BALANSE<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf4b w202 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f5 yf4b w229 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.540<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f6 yf4b w22a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.264<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d4 yf4b w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d5 yf4b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f7 yf4b w198 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212158<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f8 yf4b w22b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf61 w206 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f9 yf61 w150 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fa yf61 w22c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fb yf61 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fc yf61 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fd yf61 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fe yf61 w22d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212145<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4d w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendring utover tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ff yf4d w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x500 yf4d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x501 yf4d w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x502 yf4d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x503 yf4d w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x504 yf4d w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4e wce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4af yf4e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b0 yf4e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x505 yf4e we0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x506 yf4e w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x507 yf4e w231 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.014<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x508 yf4e w232 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.085<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4f w20c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x509 yf4f w233 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.516<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50a yf4f w234 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">12.<span class=\"_ _0\"></span>144<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50b yf4f w235 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50c yf4f w236 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50d yf4f w237 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5.805<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50e yf4f wd5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.534<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50f yf2b wd5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14.099<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x510 yf2b w238 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x511 yf2b w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x512 yf2b w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x513 yf2b w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x514 yf2b w239 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.014<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w214 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og egenkapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c1 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c2 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c3 yf51 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x515 yf51 w23a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x516 yf51 w23b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x517 yf51 w23c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.522<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w216 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum egenkapital og gjeld pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x518 ye84 w23d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">14.099<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x519 ye84 w23e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.<span class=\"_ _0\"></span>766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51a ye84 w235 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51b ye84 w236 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51c ye84 w23f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">10.600<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51d ye84 wd5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.534<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs309\">Note 5 \u2013 Kapitaldekning<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs30a\">SpareBank 1 Ringerike Hadeland benytter standar<span class=\"_ _0\"></span>dme-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs30b\">toden for kredittrisik<span class=\"_ _0\"></span>o og standardmetoden f<span class=\"_ _0\"></span>or </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs30c\">operasjonell risiko. P<span class=\"_ _0\"></span>er 31.<span class=\"_ _1\"></span>12.2025 er kravet til be<span class=\"_ _0\"></span>varings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs30d\">buffer 2,5 prosent, systemrisik<span class=\"_ _0\"></span>obuffer 4,5 pr<span class=\"_ _0\"></span>osent og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs30e\">motsyklisk kapitalbuffer 2,5 pr<span class=\"_ _0\"></span>osent. Disse kravene er i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs30f\">tillegg til kravet om r<span class=\"_ _0\"></span>en kjernekapital p\u00e5 4,5 prosent, slik </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs310\">at samlet minstekrav til ren kjernek<span class=\"_ _0\"></span>apital er 14 prosent.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs311\">I tillegg har Finanstilsynets fastsatt et pilar 2-krav f<span class=\"_ _0\"></span>or </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs312\">SpareBank 1 Ringerike Hadeland p\u00e5 1,6 pr<span class=\"_ _0\"></span>osent med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs313\">virkning fra 31.03.2023, hvorav 0,9 pr<span class=\"_ _0\"></span>osent tilordnes ren </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs314\">kjernekapital. T<span class=\"_ _141\"></span>otalt minstekrav til ren kjernekapital, inklu-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs315\">sive pilar 2-krav<span class=\"_ _0\"></span>et, er dermed 14,9 prosent.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs316\">Styret har fastsatt m\u00e5l f<span class=\"_ _0\"></span>or ren kjernekapitaldekning for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs317\">banken og k<span class=\"_ _0\"></span>onsernet p\u00e5 regulatorisk minstekrav + 1 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs318\">prosentpoeng. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs319\">Bankens investering i datter<span class=\"_ _0\"></span>selskapene Eiendomsme-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs31a\">gleren Ringerike Hadeland og Spar<span class=\"_ _0\"></span>eBank 1 \u00d8konomihu-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs31b\">set AS faller inn under st\u00f8rrelsesunntak<span class=\"_ _0\"></span>et i CRR/CRD IV </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs31c\">forskriftenes \u00a717<span class=\"_ _141\"></span>, og det utarbeides s\u00e5ledes ikke kapital-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs31d\">dekning p\u00e5 konsolidert niv\u00e5. Finanstilsynet har imidlertid </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs31e\">p\u00e5lagt bankene utvidet k<span class=\"_ _0\"></span>onsolideringsplikt for eierfore-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs31f\">tak i samarbeidende gruppe for eierandeler under 10%. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs320\">Bestemmelsen gjelder eierandeler i andre finansfor<span class=\"_ _0\"></span>etak </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs321\">som forest\u00e5r den virk<span class=\"_ _0\"></span>somheten som samarbeidet om-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs322\">fatter<span class=\"_ _1\"></span>, jfr Finansforetakslo<span class=\"_ _0\"></span>ven \u00a7 17<span class=\"_ _0\"></span>-<span class=\"_ _0\"></span>13. Banken anvender </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs323\">regelen om forholdsmessig k<span class=\"_ _0\"></span>onsolidering av eierande-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs324\">ler i samarbeidende gruppe for SB1 Boligkreditt AS, SB1 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs325\">N\u00e6ringskreditt AS, Kredittbank<span class=\"_ _0\"></span>en ASA og SB1 Finans </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs326\">\u00d8stlandet AS. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs327\">De nye kapitalkra<span class=\"_ _0\"></span>vsreglene som f\u00f8lger av EU-dir<span class=\"_ _0\"></span>ektivet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs328\">CRR3 tr\u00e5dte i kraft 01.04.2025. Regelv<span class=\"_ _0\"></span>erksendringen har </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs329\">bedret morbankens r<span class=\"_ _0\"></span>ene kjernekapitaldekning med om </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs32a\">lag 2,5 prosentpoeng og den forholdsmessig k<span class=\"_ _0\"></span>onso-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws7 gs32b\">liderte rene kjernekapitaldekningen med om lag 1,9 pro<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs32c\">sentpoeng p\u00e5 ved implementering. Over<span class=\"_ _0\"></span>gangsregler </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs32d\">for egenkapitalinstrumenter som innf\u00f8r<span class=\"_ _0\"></span>es trinnvis fram </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs32e\">til 2030 vill redusere denne eff<span class=\"_ _0\"></span>ekten med om lag 0,5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs32f\">prosentpoeng. Finansdepartementet besluttet samti-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs330\">dig \u00e5 \u00f8ke det s\u00e5kalte risik<span class=\"_ _0\"></span>ovektgulv<span class=\"_ _0\"></span>et for boligl\u00e5n fra </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs331\">20 til 25 prosent for bank<span class=\"_ _0\"></span>er som bruker interne risik<span class=\"_ _0\"></span>o-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs332\">modeller (IRB), med virkning fra 1. juli 2025. Dette har </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs333\">p\u00e5virket bank<span class=\"_ _0\"></span>ens kapitaldekning ettersom SpareBank 1 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs334\">Boligkreditt konsolider<span class=\"_ _0\"></span>es forholdsmessig inn i bank<span class=\"_ _0\"></span>ens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs335\">kapitaldekning. Samlet effekt fra CRR3 og implemente-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs336\">ring av \u00f8kt risik<span class=\"_ _0\"></span>ovektgulv i f<span class=\"_ _0\"></span>orholdsmessig konsolidert </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs337\">kapitaldekning er ansl\u00e5tt til om lag 1,0 prosentpoeng </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs338\">ved full implementering i 2030. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs339\">V<span class=\"_ _0\"></span>ed beregning a<span class=\"_ _0\"></span>v bankens kapitaldekning har bank<span class=\"_ _0\"></span>en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs33a\">hensyntatt 100% utbyttebetaling.<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w240 h33\" id=\"_bd3c8b01-e103-402a-9396-a868629d2bb2\"><tr><td class=\"t m0 x51f hb yf62 ff2 fs7 fc3 sc0 ls9 ws0\">Forholdsmessig konsolidering </td><td></td><td></td></tr><tr><td class=\"c n x116 yf63 w241 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls9 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x520 yf63 w242 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x521 yf63 w243 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf64 w244 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Ren kjernekapital</div></td><td class=\"c n x522 yf64 w245 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>4.012<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x523 yf64 w246 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>4.004<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf65 w247 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">Kjernekapital</div></td><td class=\"c n x524 yf65 w248 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>4.415<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x525 yf65 w249 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>4.398<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf66 w24a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Ansvarlig kapital</div></td><td class=\"c n x526 yf66 w24b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>4.897<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x527 yf66 w24c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>4.864<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf67 w24d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">T<span class=\"_ _1\"></span>otalt beregningsgrunnlag</div></td><td class=\"c n x528 yf67 w24e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>24.<span class=\"_ _1\"></span>122<span class=\"_ _3\"></span><span class=\"_ gs33c\"> </span><span class=\"_ _21\"> </span></div></td><td class=\"c n x529 yf67 w24f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\"><span class=\"_ gs33c\"> </span>22.<span class=\"_ _0\"></span>176<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf68 w250 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Ren kjernekapitaldekning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x52a yf68 w251 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">16,6<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x52b yf68 w252 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">18,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf69 w253 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">Kjernekapitaldekning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x52c yf69 w254 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">18,3<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x52d yf69 w255 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">19,8<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf6a w256 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">Kapitaldekning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x52e yf6a w257 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">20,3<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x52f yf6a w258 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">21,9<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w259 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Uvektet kjernekapitaldekning (Le<span class=\"_ _0\"></span>verage ratio )<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x530 ye84 w25a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">9,0<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x531 ye84 w25b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">8,6<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w25c h34\" id=\"_729475fd-1a91-4242-9daa-a9188648e7a0\"><tr><td class=\"t m0 x465 hb yf6b ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 yf6c w25d h22\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x532 yf6c w25e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2024</div></td><td class=\"c n x533 yf6c w25f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.12.2025<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf6e w260 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Egenkapitalbevis</div></td><td class=\"c n x534 yf6e w261 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x535 yf6e w261 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf6f w262 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Overkursfond</div></td><td class=\"c n x536 yf6f w263 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x537 yf6f w263 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf70 w264 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Utjevningsfond, grunnf<span class=\"_ _0\"></span>ond og kompensasjonsfond</div></td><td class=\"c n x538 yf70 w265 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.263<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x539 yf70 w266 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.209<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf71 w267 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Fond for ur<span class=\"_ _0\"></span>ealiserte gevinster</div></td><td class=\"c n x53a yf71 w268 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>72<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x53b yf71 w269 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf72 w26a h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Avsatt til ga<span class=\"_ _0\"></span>ver og utbytte</div></td><td class=\"c n x53c yf72 w26b h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>482<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x53d yf72 w26c h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>707<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf73 w26d h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Hybridkapital</div></td><td class=\"c n x53e yf73 w26e h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x537 yf73 w26f h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf74 w270 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Annen egenkapital</div></td><td class=\"c n x53f yf74 w141 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-16<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x540 yf74 w141 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-16<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf75 w271 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt egenkapital</div></td><td class=\"c n x541 yf75 w272 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>5.209<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x542 yf75 w273 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>5.380<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 yf76 w274 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt egenkapital som ikke inng\u00e5r i kjernekapital</div></td><td class=\"c n x543 yf76 w275 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-839<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x544 yf76 w276 h22\"><div class=\"t m0 x113 hc yf6d ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.058<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf78 w277 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendringer som f\u00f8lge av kra<span class=\"_ _0\"></span>vene om forsvarlig v<span class=\"_ _0\"></span>erdsettelse (A<span class=\"_ _1\"></span>V<span class=\"_ _0\"></span>A)</div></td><td class=\"c n x545 yf78 w278 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-18<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x546 yf78 w279 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-18<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf79 w27a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Fradrag for utsatt skatt, goodwill og andre immaterielle eiendeler</div></td><td class=\"c n x547 yf79 w27b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-42<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x548 yf79 w27c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-32<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf7a w27d h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Fradrag for direkte og indir<span class=\"_ _0\"></span>ekte investeringer i selskaper i finansiell sektor</div></td><td class=\"c n x549 yf7a w27e h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x54a yf7a w27f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-114<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf7b w280 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Tilleggsfradrag i ren kjernekapital som institusjonen anser som n\u00f8dvendige</div></td><td class=\"c n x54b yf7b w281 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-59<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x54c yf7b w281 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-59<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf7c w282 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ren kjernekapital</div></td><td class=\"c n x54d yf7c w283 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.<span class=\"_ _1\"></span>122<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x54e yf7c w284 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.099<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 yf7d w285 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Fondsobligasjoner</div></td><td class=\"c n x54f yf7d w26f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x53d yf7d w26e h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf7e w286 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Fradrag for vesentlige og ikk<span class=\"_ _0\"></span>e vesentlige eierandeler i finansiell sektor</div></td><td class=\"c n x550 yf7e w287 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x551 yf7e w4c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf7f w288 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Kjernekapital</div></td><td class=\"c n x552 yf7f w289 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.470<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x553 yf7f w28a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.447<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 yf80 w28b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Tidsbegrenset ansvarlig kapital</div></td><td class=\"c n x554 yf80 w28c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x555 yf80 w28d h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c x116 yf82 w28e h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Fradrag for direkte og indir<span class=\"_ _0\"></span>ekte investeringer i selskaper i finansiell sektor</div><div class=\"t m0 x556 h12 yf81 ff1 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x557 yf82 w28f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x558 yf82 w290 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf83 w291 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ansvarlig kapital</div></td><td class=\"c n x559 yf83 w292 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.862<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x542 yf83 w293 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.839<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb yf84 ff2 fs7 fc3 sc0 ls0 ws0\">Risikov<span class=\"_ _0\"></span>eid beregningsgrunnlag<span class=\"_ _173\"> </span><span class=\"ff1\"><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n x116 yf85 w294 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Stater</div></td><td class=\"c n x55a yf85 w295 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x55b yf85 w296 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf86 w297 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Lokale og regionale myndigheter</div></td><td class=\"c n x55c yf86 w269 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x55d yf86 w298 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf87 w299 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Offentlige for<span class=\"_ _0\"></span>etak</div></td><td class=\"c n x55e yf87 w29a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x55f yf87 w29b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>155<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf88 w29c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Institusjoner</div></td><td class=\"c n x560 yf88 w29d h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>193<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x561 yf88 w29e h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>195<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf89 w29f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Foretak</div></td><td class=\"c n x562 yf89 w2a0 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.697<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x563 yf89 w2a1 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>970<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf8a w2a2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Massemarked</div></td><td class=\"c n x564 yf8a w2a3 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.386<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x565 yf8a w2a4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>251<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf8b w2a5 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Pantsikkerhet i eiendom</div></td><td class=\"c n x566 yf8b w2a6 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.024<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x567 yf8b w2a7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 yf8c w2a8 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Ikke-inntektsgenerer<span class=\"_ _0\"></span>ende boligeiendom</div></td><td class=\"c n x568 yf8c w2a9 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x569 yf8c w2aa h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf8d w2ab h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Inntektsgenererende boligeiendom</div></td><td class=\"c n x56a yf8d w2a7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x56b yf8d w2ac h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>672<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf8e w2ad h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Ikke-inntektsgenerer<span class=\"_ _0\"></span>ende n\u00e6ringseiendom</div></td><td class=\"c n x568 yf8e w2a9 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x56c yf8e w2ae h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>158<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf8f w2af h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Inntektsgenererende n\u00e6ringseiendom</div></td><td class=\"c n x56d yf8f w2a7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x56e yf8f w2b0 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.715<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf90 w2b1 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Anskaffelse, utvikling og by<span class=\"_ _0\"></span>gging (ADC)</div></td><td class=\"c n x568 yf90 w2a9 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x56f yf90 w2b2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.314<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf91 w2b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forfalte engasjementer</div></td><td class=\"c n x570 yf91 w2b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>375<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x571 yf91 w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>265<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf92 w2b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yrisikoengasjementer</div></td><td class=\"c n x572 yf92 w2b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>993<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x573 yf92 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 yf93 w2b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Subordinert gjeld</div></td><td class=\"c n x574 yf93 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x575 yf93 w2b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>41<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf94 w2ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Obligasjoner med fortrinnsrett</div></td><td class=\"c n x576 yf94 w2bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>145<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x577 yf94 w12d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>146<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf95 w2bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Egenkapitalposisjoner</div></td><td class=\"c n x578 yf95 w2bd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.786<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x579 yf95 w2be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.842<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf96 w2bf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige engasjementer</div></td><td class=\"c n x57a yf96 w2c0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x57b yf96 w2c1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>305<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf97 w2c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum kredittrisiko</div></td><td class=\"c n x57c yf97 w2c3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.016<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x57d yf97 w2c4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>16.<span class=\"_ _1\"></span>142<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 yf98 w2c5 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Operasjonell risiko</div></td><td class=\"c n x57e yf98 w2c6 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.922<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x57f yf98 w2c7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.527<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf99 w2c8 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Motpartsrisiko derivater (CV<span class=\"_ _1\"></span>A-risiko)</div></td><td class=\"c n x580 yf99 w2c9 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x581 yf99 w2ca h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf9a w2cb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt beregningsgrunnlag</div></td><td class=\"c n x582 yf9a w2cc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.964<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x583 yf9a w2cd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ _141\"></span>.678<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hc yf9b ff1 fs7 fc3 sc0 ls0 ws0\">Kapitaldekning<span class=\"_ _187\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 yf9c w129 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Ren kjernekapitaldekning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x584 yf9c w265 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">20,6<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x585 yf9c w2ce h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">23,2<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf9d w2cf h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Kjernekapitaldekning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x586 yf9d w2d0 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">22,4<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x587 yf9d w2d1 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">25,2<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf9e w2d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Kapitaldekning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x588 yf9e w2d3 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">24,4<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x589 yf9e w2d4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">27<span class=\"_ _1\"></span>,4<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hc yf9f ff1 fs7 fc3 sc0 ls0 ws0\">Bufferkrav<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 yfa0 w2d5 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Bevaringsbuffer (2,50%)</div></td><td class=\"c n x58a yfa0 w17b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>499<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x58b yfa0 w2d6 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>442<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yfa1 w2d7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">Motsyklisk buffer (2,5%)</div></td><td class=\"c n x58c yfa1 w2d8 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>399<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x53d yfa1 w2d6 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>442<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yfa3 w2d9 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">Systemrisikobuff<span class=\"_ _0\"></span>er (4,50 %)</div></td><td class=\"c n x58d yfa3 w2da h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>898<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x58e yfa3 w2db h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>796<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yfa4 w2dc h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">Sum bufferkrav til r<span class=\"_ _0\"></span>en kjernekapital</div></td><td class=\"c n x58f yfa4 w2dd h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.797<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x590 yfa4 w229 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.679<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yfa5 w2de h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">Minimumskrav til ren kjernekapital (4,50%)</div></td><td class=\"c n x591 yfa5 w2da h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>898<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x537 yfa5 w2db h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>796<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yfa6 w2df h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">Tilgjengelig ren kjernekapital</div></td><td class=\"c n x592 yfa6 w2e0 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.427<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x593 yfa6 w2e1 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.624<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w2e2 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">Uvektet kjernekapitaldekning (Le<span class=\"_ _0\"></span>verage ratio )<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x594 ye84 w2e3 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">13,7<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x595 ye84 w2e4 h35\"><div class=\"t m0 x113 hc yfa2 ff1 fs7 fc3 sc0 ls0 ws0\">13,0<span class=\"_ gs33c\"> </span>%</div></td></tr></table></div><div class=\"t m0 h11 ff2 fsa fc3 sc0 ls0 ws0 gs341\"><span class=\"_ gs342\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs342\"> </span></div><div class=\"t m0 h11 ff2 fsa fc3 sc0 ls0 ws0 gs343\"><span class=\"_ gs342\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs342\"> </span></div><div class=\"t m0 h11 ff2 fsa fc3 sc0 ls0 ws0 gs344\"><span class=\"_ gs342\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs342\"> </span></div><div class=\"t m0 h11 ff2 fsa fc3 sc0 ls0 ws0 gs345\"><span class=\"_ gs342\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs342\"> </span></div><div class=\"t m0 h13 ff1 fsa fc3 sc0 ls0 ws0 gs346\"><span class=\"_ gs347\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs347\"> </span></div><div class=\"t m0 h14 ff2 fsb fc3 sc0 ls0 ws0 gs348\"><span class=\"_ gs349\"> </span></div>Note 6 \u2013 Finansiell risikostyring<span class=\"_ _2cc\"> </span>Overor<span class=\"_ _0\"></span>dnet ansvar og kontroll<span class=\"_ _2cc\"> </span>Kjernevirksomheten til SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland er \u00e5 skape verdier gjennom \u00e5 ta be<span class=\"_ _0\"></span>visst og aksepta-<span class=\"_ _2cc\"> </span>bel risiko. K<span class=\"_ _0\"></span>onsernet bruker bety<span class=\"_ _0\"></span>delige ressurser p\u00e5 \u00e5 utvikle gode risikostyringssystemer og -pr<span class=\"_ _0\"></span>osesser<span class=\"_ _1\"></span>. SpareBank 1 Ringerike Hadeland sk<span class=\"_ _0\"></span>al ha en moderat risi-<span class=\"_ _2cc\"> </span>kopro<span class=\"_ _0\"></span>fil. Risiko- og kapitalstyring skal st\u00f8tte opp under konsernets strategisk<span class=\"_ _0\"></span>e m\u00e5lbilde og bidra til oppretthol-<span class=\"_ _2cc\"> </span>delse av \u00f8nsk<span class=\"_ _0\"></span>et risikoprofil. Risik<span class=\"_ _0\"></span>o- og kapitalstyringen skal videre sikre finansiell stabilitet og f<span class=\"_ _0\"></span>orsvarlig f<span class=\"_ _0\"></span>ormu-<span class=\"_ _2cc\"> </span>esforvaltning. Dette skal oppn\u00e5s gjennom:<span class=\"_ _2cc\"> </span>\u2022 \u00c5 ha en tydelig bedriftskultur som kjennetegnes av h\u00f8y bevissthet om risikostyring og k<span class=\"_ _0\"></span>onsernets verdi-<span class=\"_ _2cc\"> </span>grunnlag<span class=\"_ _2cc\"> </span>\u2022 \u00c5 ha en god forst\u00e5else a<span class=\"_ _0\"></span>v hvilke risikoer som er dri-<span class=\"_ _2cc\"> </span>vere f<span class=\"_ _0\"></span>or inntjening, kostnader og tap<span class=\"_ _2cc\"> </span>\u2022 I st\u00f8rst mulig grad prise tjenester og produkter i tr\u00e5d med underliggende risiko \u2022 \u00c5 ha en tilstrekkelig soliditet sett i f<span class=\"_ _0\"></span>orhold til lang-<span class=\"_ _2cc\"> </span>siktige strategiske m\u00e5l og valgt risik<span class=\"_ _0\"></span>oprofil<span class=\"_ _2cc\"> </span>\u2022 \u00c5 utnytte diversifiseringsgevinster \u2022 \u00c5 unng\u00e5 at uventede enkelthendelser skader  <span class=\"_ _6c\"></span>konsernets finansielle stilling i alvorlig grad<span class=\"_ _2cc\"> </span>For \u00e5 sikre en eff<span class=\"_ _0\"></span>ektiv og hensiktsmessig prosess for risiko- og kapitalstyring er virksomhetsstyringen b<span class=\"_ _0\"></span>ygget p\u00e5 f\u00f8lgende rammeverk:<span class=\"_ _2cc\"> </span>\u2022 Konsernets strategisk<span class=\"_ _0\"></span>e m\u00e5lbilde<span class=\"_ _2cc\"> </span>\u2022 Organisering og bedriftskultur<span class=\"_ _2cc\"> </span>\u2022 Risikokartlegging<span class=\"_ _2cc\"> </span>\u2022 Risikoanalyse<span class=\"_ _2cc\"> </span>\u2022 Finansiell framskriving og stresstester<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _3\"></span>Risikostrategier (fastsettelse av risik<span class=\"_ _0\"></span>oevne og risik<span class=\"_ _0\"></span>ovilje)<span class=\"_ _2cc\"> </span>\u2022 Kapitalstyring (inkl. avkastning og kapitaldekning)<span class=\"_ _2cc\"> </span>\u2022 Rapportering og oppf\u00f8lging<span class=\"_ _2cc\"> </span>\u2022 Evaluering og tiltak<span class=\"_ _2cc\"> </span>\u2022 Beredskapsplaner<span class=\"_ _2cc\"> </span>\u2022 Compliance (etterlevelse)<span class=\"_ _2cc\"> </span>Styring og kontroll omf<span class=\"_ _0\"></span>atter alle prosesser og kontr<span class=\"_ _0\"></span>oll-<span class=\"_ _2cc\"> </span>tiltak som er iverksatt a<span class=\"_ _0\"></span>v konsernets ledelse for \u00e5 sikre en effektiv f<span class=\"_ _0\"></span>orretningsdrift og gjennomf\u00f8ring a<span class=\"_ _0\"></span>v konsernets strategier<span class=\"_ _1\"></span>. Konsernet legger v<span class=\"_ _0\"></span>ekt p\u00e5 en kontroll- og styringsstruktur som fr<span class=\"_ _0\"></span>emmer m\u00e5lrettet og uavhengig styring og k<span class=\"_ _0\"></span>ontroll, se modell og beskrivelse under<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Adm. Direkt\u00f8r<span class=\"_ _2cc\"> </span>F\u00f8rste f<span class=\"_ _0\"></span>orsvarslinje<span class=\"_ _2cc\"> </span>Daglig risikostyring<span class=\"_ _2cc\"> </span>Andre for<span class=\"_ _0\"></span>svarslinje<span class=\"_ _2cc\"> </span>Overor<span class=\"_ _0\"></span>dnet risikoopp-<span class=\"_ _2cc\"> </span>f\u00f8lging og rapportering<span class=\"_ _2cc\"> </span>Instrukser<span class=\"_ _1\"></span>, rammer og fullmakter<span class=\"_ _f6\"> </span>Formell rapportering<span class=\"_ _18d\"> </span>Adgang til rapportering<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>redje forsvarslinje<span class=\"_ _2cc\"> </span>Uavhengig bekr<span class=\"_ _0\"></span>eftelse<span class=\"_ _2cc\"> </span>Internrevisjonen<span class=\"_ _2cc\"> </span>Styret<span class=\"_ _2cc\"> </span>Fastsetter konsernets risik<span class=\"_ _0\"></span>oprofil og p\u00e5ser at konsernet har ansvarlig k<span class=\"_ _0\"></span>apital som er forsvarlig<span class=\"_ _2cc\"> </span>ut fra risikoen i k<span class=\"_ _0\"></span>onsernet og myndighetenes krav<span class=\"_ _2cc\"> </span>Risikostyring og<span class=\"_ _2cc\"> </span>Compliance<span class=\"_ _2cc\"> </span>Forretningseneheter og st\u00f8tteomr\u00e5der<span class=\"_ _2cc\"> </span>Styret har ansvaret f<span class=\"_ _0\"></span>or \u00e5 p\u00e5se at konsernet har en an<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>svarlig kapital som er for<span class=\"_ _0\"></span>svarlig ut fra strategisk m\u00e5lbilde, vedtatt risikopr<span class=\"_ _0\"></span>ofil og myndighetsp\u00e5lagte krav<span class=\"_ _1\"></span>. Styret fastsetter de over<span class=\"_ _0\"></span>ordnede m\u00e5lsettingene relatert til risikopro<span class=\"_ _0\"></span>fil og avkastning. Styret f<span class=\"_ _0\"></span>astlegger videre over<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordnede rammer<span class=\"_ _1\"></span>, fullmakter og retningslinjer for risik<span class=\"_ _0\"></span>o- og kapitalstyringen i konsernet, samt etiske r<span class=\"_ _0\"></span>etningslinjer som skal bidra til h\u00f8y etisk standard. Videre sk<span class=\"_ _0\"></span>al styret p\u00e5se at ledelsen s\u00f8rger for en hensiktsmessig og eff<span class=\"_ _0\"></span>ektiv risikostyringsprosess i sams<span class=\"_ _0\"></span>var med lover<span class=\"_ _1\"></span>, forskrifter og myndighetenes forventinger<span class=\"_ _1\"></span>, samt fastsette beredskaps- og kontinuitetsplaner f<span class=\"_ _0\"></span>or \u00e5 sikre at driften kan videref\u00f8r<span class=\"_ _0\"></span>es og tap begrenses ved v<span class=\"_ _0\"></span>esentlige uforutsette hendelser<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Styrets arbeid er nedfelt i en \u00e5r<span class=\"_ _0\"></span>splan som oppdateres \u00e5rlig. Dette sikrer at styret har tilstr<span class=\"_ _0\"></span>ekkelig tid og fokus p\u00e5 sentrale oppgaver<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span> Styret har egne utvalg for risik<span class=\"_ _0\"></span>ostyring, revisjon og godt<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>gj\u00f8ring. Utvalgene skal bist\u00e5 styret i f<span class=\"_ _0\"></span>orberedelsen av saker<span class=\"_ _1\"></span>, men beslutningen skal fastsettes av styr<span class=\"_ _0\"></span>et samlet.<span class=\"_ _3\"></span> Instruks for utvalgene fastsettes a<span class=\"_ _0\"></span>v styret. Risikoutvalget er et forberedende or<span class=\"_ _0\"></span>gan for styret i sak<span class=\"_ _0\"></span>er som vedr\u00f8rer konsernets risik<span class=\"_ _0\"></span>ostyring og internkontroll, mens r<span class=\"_ _0\"></span>evisjons<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>utvalget forbereder sak<span class=\"_ _0\"></span>er som vedr\u00f8rer finansiell inf<span class=\"_ _0\"></span>orma<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjon og internkontroll knyttet til denne. Utvalgene best\u00e5r av de samme tre medlemmene utg\u00e5tt a<span class=\"_ _0\"></span>v styret, men ut<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>valgene har ikke samme leder<span class=\"_ _1\"></span>. Godtgj\u00f8ringsutvalget skal tilsvarende bist\u00e5 styret i dets arbeid med ansettelses<span class=\"_ _0\"></span>vilk\u00e5r for administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>, samt n\u00e5r det gjelder hoved<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>prinsipper og strategi for k<span class=\"_ _0\"></span>ompensasjon av det \u00f8verste ledersjikt i konsernet. Godtgj\u00f8ringsutvalget best\u00e5r av tr<span class=\"_ _0\"></span>e styremedlemmer inklusive ansattr<span class=\"_ _0\"></span>epresentant. Administrerende dir<span class=\"_ _0\"></span>ekt\u00f8r har ansvaret for den o<span class=\"_ _0\"></span>veror<span class=\"_ _0\"></span>dne<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>de risikostyringen. Det betyr at administrer<span class=\"_ _0\"></span>ende direkt\u00f8r er ansvarlig for at det implementer<span class=\"_ _0\"></span>es effektive risik<span class=\"_ _0\"></span>osty<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>rings- systemer i konsernet og at risik<span class=\"_ _0\"></span>oeksponeringen overv\u00e5kes. Administr<span class=\"_ _0\"></span>erende direkt\u00f8r er vider<span class=\"_ _0\"></span>e ansvarlig for delegering a<span class=\"_ _0\"></span>v fullmakter og rapportering til styret.<span class=\"_ _3\"></span> Ledere a<span class=\"_ _0\"></span>v forretnings- og st\u00f8tteomr\u00e5dene har ans<span class=\"_ _0\"></span>varet for den daglige risik<span class=\"_ _0\"></span>ostyringen innenfor sine ansvars<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>omr\u00e5der<span class=\"_ _1\"></span>, og skal p\u00e5se at risikostyring \u2013og eksponering er innenfor de rammer og fullmakter som er fastsatt a<span class=\"_ _0\"></span>v styret eller administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Av<span class=\"_ _0\"></span>deling for risikostyring og compliance er or<span class=\"_ _0\"></span>ganisert uavhengig a<span class=\"_ _0\"></span>v linje- og stabsenhetene og rapporterer di<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>rekte til administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>. I tillegg har avdelingen adgang til \u00e5 rapportere direkte til styret. A<span class=\"_ _0\"></span>vdelingen er ansvarlig for ua<span class=\"_ _0\"></span>vhengig oppf\u00f8lging og rapportering av risikoeksponeringen og f\u00f8lger opp at k<span class=\"_ _0\"></span>onsernet etterle<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ver gjeldende lov<span class=\"_ _0\"></span>er og forskrifter<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Internrevisjonen rapporterer til styr<span class=\"_ _0\"></span>et og er prim\u00e6rt sty<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>rets, men ogs\u00e5 administrasjonens redskap f<span class=\"_ _0\"></span>or overv\u00e5king av risik<span class=\"_ _0\"></span>ostyringsprosessens effektivitet og hensiktsmes<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sighet. Internrevisjonens anbefalinger til f<span class=\"_ _0\"></span>orbedringer blir l\u00f8pende gjennomg\u00e5tt og vurdert implementert.<span class=\"_ _3\"></span> RISIK<span class=\"_ _0\"></span>OEKSPONERING I SP<span class=\"_ _1\"></span>AREBANK 1 RINGERIKE HADELAND<span class=\"_ _2cc\"> </span>SpareBank 1 Ringerike Hadeland ek<span class=\"_ _0\"></span>sponeres for ulik<span class=\"_ _0\"></span>e ty<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span>per risiko. Nedenf<span class=\"_ _0\"></span>or er det gitt n\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v finansiell risikostyring knyttet til kredittrisik<span class=\"_ _0\"></span>o, likviditets-<span class=\"_ _2cc\"> </span>risiko, mark<span class=\"_ _0\"></span>edsrisiko og operasjonell risik<span class=\"_ _0\"></span>o. B\u00e6rekraft er en driver for ne<span class=\"_ _0\"></span>vnte risiki og er beskrev<span class=\"_ _0\"></span>et under<span class=\"_ _1\"></span>. Utvi<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span>det markedsinf<span class=\"_ _0\"></span>ormasjon (Pilar III) er beskrevet i eget dokument p\u00e5 bankens hjemmeside. Bank<span class=\"_ _0\"></span>en har en egen utfyllende b\u00e6rekraftsrapportering som er et vedlegg til \u00e5rsrapporten. Kredittrisiko:<span class=\"_ _2cc\"> </span>Kredittrisiko i utl\u00e5nsportef\u00f8ljen utgj\u00f8r bank<span class=\"_ _0\"></span>ens st\u00f8r-<span class=\"_ _2cc\"> </span>ste finansielle risikoomr\u00e5de, og defineres som risik<span class=\"_ _0\"></span>o for tap som kan oppst\u00e5 som f\u00f8lge a<span class=\"_ _0\"></span>v at kunder ikke har evne og/eller vilje til \u00e5 oppfylle sine f<span class=\"_ _0\"></span>orpliktelser overfor bank<span class=\"_ _0\"></span>en. I tillegg p\u00e5f\u00f8rer bank<span class=\"_ _0\"></span>ens portef\u00f8lje av renteb\u00e6rende v<span class=\"_ _0\"></span>erdipapir banken kr<span class=\"_ _0\"></span>edittrisiko. Bank<span class=\"_ _0\"></span>en benytter standardmetoden for ber<span class=\"_ _0\"></span>egning av kredittrisi-<span class=\"_ _2cc\"> </span>ko i kapitalber<span class=\"_ _0\"></span>egningen.<span class=\"_ _2cc\"> </span>Gjennom den \u00e5rlige revisjonen a<span class=\"_ _0\"></span>v bankens kredittpolicy konkretiser<span class=\"_ _0\"></span>er styret bankens risik<span class=\"_ _0\"></span>oappetitt gjennom fastsettelse av m\u00e5l og rammer f<span class=\"_ _0\"></span>or bankens kredittpor-<span class=\"_ _2cc\"> </span>tef\u00f8lje. Kredittpolicyen er f<span class=\"_ _0\"></span>orankret i bankens o<span class=\"_ _0\"></span>ver-<span class=\"_ _2cc\"> </span>ordnede policy for risik<span class=\"_ _0\"></span>o og kapitalstyring som legger forutsetningene f<span class=\"_ _0\"></span>or en moderat risikoprofil. Bankens kredittpolicy inneholder r<span class=\"_ _0\"></span>etningslinjer for risikopro<span class=\"_ _0\"></span>filen, herunder maksimal misligholdssannsyn-<span class=\"_ _2cc\"> </span>lighet (PD) og maksimalt tap gitt mislighold (L<span class=\"_ _0\"></span>GD) for privatmarkedet, bedriftsmarkedet og totalt. Kredittpo-<span class=\"_ _2cc\"> </span>licyen inneholder ogs\u00e5 kredittstrategisk<span class=\"_ _0\"></span>e rammer som styrer bankens k<span class=\"_ _0\"></span>onsentrasjonsrisiko<span class=\"_ _0\"></span>, herunder rammer for maksimal eksponering innenf<span class=\"_ _0\"></span>or bransjer og p\u00e5 en-<span class=\"_ _2cc\"> </span>keltengasjement. Banken har vider<span class=\"_ _0\"></span>e som policy \u00e5 avst\u00e5 fra kredittgivning hvor b\u00e6r<span class=\"_ _0\"></span>ekraftsrisikoen vurder<span class=\"_ _0\"></span>es \u00e5 v\u00e6re h\u00f8y<span class=\"_ _1\"></span>, og denne ikke er av f<span class=\"_ _0\"></span>orbig\u00e5ende karakter<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Etterlevelse a<span class=\"_ _0\"></span>v kredittpolicy og vedtatte rammer og m\u00e5ltall overv\u00e5kes l\u00f8pende og rapporter<span class=\"_ _0\"></span>es kvartalsvis til styret. Bankens risik<span class=\"_ _0\"></span>oklassifiseringssystem er utviklet for \u00e5 kun-<span class=\"_ _2cc\"> </span>ne styre bankens utl\u00e5nsportef\u00f8lje i tr\u00e5d med bank<span class=\"_ _0\"></span>ens kredittpolicy og gjennom risikoklassifisering, risik<span class=\"_ _0\"></span>opri-<span class=\"_ _2cc\"> </span>sing og portef\u00f8ljestyring bidra til \u00e5 sikre den risikojus-<span class=\"_ _2cc\"> </span>terte avkastningen. Styret er ans<span class=\"_ _0\"></span>varlig for konsernets l\u00e5ne- og kredittinnvilgelser<span class=\"_ _1\"></span>, men delegerer innen visse rammer kredittfullmaktene til administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>, som igjen kan delegere disse videre innenf<span class=\"_ _0\"></span>or egne fullmakter<span class=\"_ _1\"></span>. Utl\u00e5nsfullmaktene er gradert i forhold til engasjementsst\u00f8rrelse og risikopr<span class=\"_ _0\"></span>ofil. Kredittgivning og styring av kr<span class=\"_ _0\"></span>edittrisiko skal bidra og v\u00e6re i henhold til bankens o<span class=\"_ _0\"></span>veror<span class=\"_ _0\"></span>dnede strategi for b\u00e6rekraft. B\u00e6rekraftsrisikoer<span class=\"_ _141\"></span>, herunder antihvitvaskri-<span class=\"_ _2cc\"> </span>siko, vur<span class=\"_ _0\"></span>deres i forbindelse med all kr<span class=\"_ _0\"></span>edittbehandling. Vur<span class=\"_ _0\"></span>deringen er risikobasert og tilpasset segmentet kunden tilh\u00f8rer<span class=\"_ _1\"></span>. Hensikten er \u00e5 vurdere hvor<span class=\"_ _0\"></span>dan kre-<span class=\"_ _2cc\"> </span>dittrisikoen p\u00e5virk<span class=\"_ _0\"></span>es n\u00e5r det gjelder betjeningsevne, verdi a<span class=\"_ _0\"></span>v sikkerheter og omd\u00f8mme. For privatkunder og mindre bedriftskunder er vurderingen ho<span class=\"_ _0\"></span>vedsakelig knyttet til antihvitvask og \u00f8konomisk kriminalitet. For bedriftskundene med engasjement p\u00e5 over 5 millioner kroner gjennomf\u00f8res en b\u00e6r<span class=\"_ _0\"></span>ekraftsanalyse av kunden. Data fra disse analysene muliggj\u00f8r overv\u00e5kning a<span class=\"_ _0\"></span>v portef\u00f8ljen med tanke p\u00e5 ov<span class=\"_ _0\"></span>ergangsrisiko og fysisk klimarisiko og k<span class=\"_ _0\"></span>oblingen mellom b\u00e6rekraft og kredittri-<span class=\"_ _2cc\"> </span>siko. Bank<span class=\"_ _0\"></span>en har per i dag ikke identifisert engasjemen-<span class=\"_ _2cc\"> </span>ter som har \u00f8kt tapsrisiko grunnet ov<span class=\"_ _0\"></span>ergangsrisiko og/<span class=\"_ _2cc\"> </span>eller fysisk klimarisiko<span class=\"_ _0\"></span>, selv etter uv\u00e6ret Hans h\u00f8sten 2023. Klimarisiko vurder<span class=\"_ _0\"></span>es p\u00e5 n\u00e5v\u00e6rende tidspunkt ikke ha p\u00e5virkning p\u00e5 bankens f<span class=\"_ _0\"></span>orventede kredittap og hen-<span class=\"_ _2cc\"> </span>syntas derfor ikke i kr<span class=\"_ _0\"></span>edittmodellene eller i tapsmodel-<span class=\"_ _2cc\"> </span>len. Erfaringer fra arbeid med stresstester og utfall av relevante hendelser<span class=\"_ _141\"></span>, for eksempel uv\u00e6ret Hans h\u00f8sten 2023, er relevante f<span class=\"_ _0\"></span>or fremtidig utvikling av kr<span class=\"_ _0\"></span>editt- og tapsmodeller<span class=\"_ _1\"></span>. Bankens risik<span class=\"_ _0\"></span>oklassifisering bygger p\u00e5 tre sentrale statistiske modeller<span class=\"_ _1\"></span>, misligholdssannsynlighet (PD), ek-<span class=\"_ _2cc\"> </span>sponering ved mislighold (EAD) og tap gitt mislighold (L<span class=\"_ _0\"></span>GD). Disse tre k<span class=\"_ _0\"></span>omponentene utgj\u00f8r ogs\u00e5 grunnlaget for bank<span class=\"_ _0\"></span>ens tapsmodell ihht. IFRS9. Kreditt- og tapsmo-<span class=\"_ _2cc\"> </span>dellene er utviklet av Sparebank 1-alliansen og valider<span class=\"_ _0\"></span>es jevnlig b\u00e5de med hensyn p\u00e5 evne til \u00e5 ranger<span class=\"_ _0\"></span>e kun-<span class=\"_ _2cc\"> </span>dene samt \u00e5 estimere niv\u00e5. R<span class=\"_ _0\"></span>esultatene fra validering av bank<span class=\"_ _0\"></span>ens kredittmodeller bekrefter at modellenes treffsikk<span class=\"_ _0\"></span>erhet er innenfor interne m\u00e5l og internasjonale anbefalinger<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span>Likviditetsrisiko<span class=\"_ _2cc\"> </span>Likviditetsrisiko er risik<span class=\"_ _0\"></span>o for ikke v\u00e6r<span class=\"_ _0\"></span>e i stand til \u00e5 innfri for<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>pliktelser p\u00e5 forfall eller ikke e<span class=\"_ _0\"></span>vne til \u00e5 finansiere eiendeler<span class=\"_ _1\"></span>, herunder \u00f8nsket vek<span class=\"_ _0\"></span>st, uten vesentlig \u00f8kte kostnader<span class=\"_ _1\"></span>.  Styring av likviditetsrisik<span class=\"_ _0\"></span>o skjer gjennom styrevedtatte rammer<span class=\"_ _1\"></span>, og fastsettes \u00e5rlig gjennom revisjon av likviditets<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>policyen. Rammene ligger godt innenfor de minimums<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>grenser fastsatt a<span class=\"_ _0\"></span>v regulatoriske myndigheter og k<span class=\"_ _0\"></span>on<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sernets konservative risik<span class=\"_ _0\"></span>oprofil innen omr\u00e5det. Policy<span class=\"_ _0\"></span>en setter blant annet rammer for st\u00f8rrelse og kvalitet p\u00e5 likviditetsreserver og lengden p\u00e5 den tidsperioden som banken skal v\u00e6r<span class=\"_ _0\"></span>e uavhengig av ny mark<span class=\"_ _0\"></span>edsfinansiering. Styring av likviditetsrisik<span class=\"_ _0\"></span>o skal bidra og bygge opp under bankens ov<span class=\"_ _0\"></span>erordnede strategi f<span class=\"_ _0\"></span>or b\u00e6rekraft. Risiko knyttet til milj\u00f8, sosiale forhold, eierskap og selsk<span class=\"_ _0\"></span>aps<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>styring (ESG) skal vurderes i f<span class=\"_ _0\"></span>orbindelse med bankens fundingstrategi. Vur<span class=\"_ _0\"></span>deringen skal v\u00e6re i tr\u00e5d med ban<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>kens gr\u00f8nne rammev<span class=\"_ _0\"></span>erk, og bidra til \u00e5 bygge opp under bankens vedtatte b\u00e6r<span class=\"_ _0\"></span>ekraftsm\u00e5l.<span class=\"_ _2cc\"> </span>I tilknytning til styringsdokumentene er det etablert egen beredskapsplan f<span class=\"_ _0\"></span>or h\u00e5ndtering av likviditetssituasjonen i perioder med urolige finansmarkeder<span class=\"_ _141\"></span>. I tillegg til likvi<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ditets-prognoser benyttes stresstester som analyser<span class=\"_ _0\"></span>er konsernets likviditetsmessige s\u00e5rbarhet i perioder uten tilgang p\u00e5 ekstern finansiering. Av<span class=\"_ _0\"></span>deling for \u00d8konomi/Finans er ans<span class=\"_ _0\"></span>varlig for bankens finansiering -og likviditetsstyring.  Risikoeksponering- og utvikling o<span class=\"_ _0\"></span>verv\u00e5kes l\u00f8pende og rapporteres periodisk til styret og ledelse a<span class=\"_ _0\"></span>v avdeling f<span class=\"_ _0\"></span>or Risikostyring og Compliance.<span class=\"_ _2cc\"> </span>For ytterligere inf<span class=\"_ _0\"></span>ormasjon vises til note 15 og 16<span class=\"_ _2cc\"> </span>Markedsrisik<span class=\"_ _0\"></span>o<span class=\"_ _2cc\"> </span>Markedsrisik<span class=\"_ _0\"></span>o er en felles betegnelse for risik<span class=\"_ _0\"></span>oen for tap som oppst\u00e5r som f\u00f8lge av endringer i kurser eller priser p\u00e5 finansielle instrumenter<span class=\"_ _1\"></span>. Markedsrisiko oppst\u00e5r hovedsak<span class=\"_ _0\"></span>elig i forbindelse med bank<span class=\"_ _0\"></span>ens investeringer i obligasjoner<span class=\"_ _1\"></span>, sertifikater<span class=\"_ _0\"></span>, aksjer<span class=\"_ _1\"></span>, egenkapitalbevis og aksjefond, og posisjoner i r<span class=\"_ _0\"></span>ente- og valutamarkedene. Styring av mark<span class=\"_ _0\"></span>edsrisiko skjer gjennom styre<span class=\"_ _0\"></span>vedtatte rammer<span class=\"_ _1\"></span>, og fastsettes \u00e5rlig gjennom revisjon av mar-<span class=\"_ _2cc\"> </span>kedsrisik<span class=\"_ _0\"></span>opolicyen. Rammene ligger godt innenfor de maksimalgrenser fastsatt a<span class=\"_ _0\"></span>v regulatoriske myndigheter<span class=\"_ _141\"></span>, og konsernets k<span class=\"_ _0\"></span>onservative risikoprofil innen omr\u00e5det. Risikoeksponering- og utvikling o<span class=\"_ _0\"></span>verv\u00e5kes l\u00f8pende og rapporteres periodisk til konsernets styr<span class=\"_ _0\"></span>e og ledelse. PD/Sikkerhetsdekning<span class=\"_ _2cc\"> </span>1 [0-60%&gt;<span class=\"_ _2cc\"> </span>2 [60-70%&gt;<span class=\"_ _2cc\"> </span>3 [70-75%&gt;<span class=\"_ _2cc\"> </span>4 [75-80%&gt;<span class=\"_ _2cc\"> </span>5 [80-90%&gt;<span class=\"_ _2cc\"> </span>6 [90-100%&gt;<span class=\"_ _2cc\"> </span>7 [100%-<span class=\"_ _2cc\"> </span>A [0,0 - 0,<span class=\"_ _0\"></span>10 %&gt; Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>B [0,<span class=\"_ _0\"></span>1 - 0,25 %&gt; Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>C [0,25 -<span class=\"_ _2cc\"> </span>0,50 %&gt;<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>D [0,50 -<span class=\"_ _2cc\"> </span>0,75 %&gt;<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>E [0,75 -<span class=\"_ _2cc\"> </span>1,25 %&gt;<span class=\"_ _2cc\"> </span>Lav Lav Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>F [2,25 -<span class=\"_ _2cc\"> </span>2,50 %&gt;<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>G [2,50 -<span class=\"_ _2cc\"> </span>5,00 %&gt;<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H [5,00 -<span class=\"_ _2cc\"> </span>10,00 %&gt;<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>I [10,00 -<span class=\"_ _2cc\"> </span>99,99 %&gt;<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>J [100 %&gt;<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>K [100 %&gt;<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskreve<span class=\"_ _2cc\"> <span class=\"_ _2cc\"> </span></span>Styret har blant annet vedtatt rammer f<span class=\"_ _0\"></span>or renterisiko<span class=\"_ _0\"></span>, spreadrisiko<span class=\"_ _0\"></span>, aksjerisiko og valutarisik<span class=\"_ _0\"></span>o<span class=\"_ _2cc\"> </span>For ytterligere inf<span class=\"_ _0\"></span>ormasjon vises det til note 15.  Konsentrasjon<span class=\"_ _2cc\"> </span>Konsentrasjoner a<span class=\"_ _0\"></span>v risiko oppst\u00e5r n\u00e5r finansielle instrumenter med tilsvarende kjennetegn p\u00e5virk<span class=\"_ _0\"></span>es p\u00e5 samme m\u00e5te ved endringer i \u00f8konomisk<span class=\"_ _0\"></span>e eller andre forhold. Identifiseringen a<span class=\"_ _0\"></span>v konsentrasjoner inneb\u00e6rer ut\u00f8velsen av skj\u00f8nn. Spar<span class=\"_ _0\"></span>eBank 1 Ringerike Hadeland kontroller<span class=\"_ _0\"></span>er risikok<span class=\"_ _0\"></span>onsentrasjon gjennom rammesetting p\u00e5 ulike omr\u00e5der<span class=\"_ _1\"></span>. For kredittrisik<span class=\"_ _0\"></span>o begrenses st\u00f8rre risikok<span class=\"_ _0\"></span>onsentrasjoner gjennom rammer for store enga-<span class=\"_ _2cc\"> </span>sjementer<span class=\"_ _1\"></span>, h\u00f8yrisikoengasjementer og bransjeekspone-<span class=\"_ _2cc\"> </span>ring. Faktisk eksponering for<span class=\"_ _0\"></span>delt p\u00e5 risikogrupper<span class=\"_ _1\"></span>, sek-<span class=\"_ _2cc\"> </span>tor og n\u00e6ring samt geografiske omr\u00e5der presenter<span class=\"_ _0\"></span>es i note 8. For markedsrisik<span class=\"_ _0\"></span>o begrenses k<span class=\"_ _0\"></span>onsentrasjons-<span class=\"_ _2cc\"> </span>risikoen gjennom rammer f<span class=\"_ _0\"></span>or maksimal spreadrisiko<span class=\"_ _0\"></span>, renterisiko<span class=\"_ _0\"></span>, valutarisiko, og ak<span class=\"_ _0\"></span>sjeeksponering. Konsen-<span class=\"_ _2cc\"> </span>trasjon av renterisik<span class=\"_ _0\"></span>o er presentert i note 15. K<span class=\"_ _0\"></span>onsernets eksponering i valuta best\u00e5r av valutabeholdning i ban-<span class=\"_ _2cc\"> </span>kens minibank<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. Aksjeeksponering er spesifisert i note 29. Konsernet har ikk<span class=\"_ _0\"></span>e identifisert betydelige risikoer utover dom som fr<span class=\"_ _0\"></span>emkommer i nevnte noter<span class=\"_ _141\"></span>.   Operasjonell risiko All virksomhet i konsernet er i st\u00f8rr<span class=\"_ _0\"></span>e eller mindre grad utsatt for operasjonell risik<span class=\"_ _0\"></span>o, som defineres som risik<span class=\"_ _0\"></span>o for tap som f\u00f8lge a<span class=\"_ _0\"></span>v utilstrekkelige eller sviktende interne prosesser eller systemer<span class=\"_ _141\"></span>, menneskelige feil eller eksterne hendelser<span class=\"_ _1\"></span>. Operasjonell risiko styres gjennom policy f<span class=\"_ _0\"></span>or opera-<span class=\"_ _2cc\"> </span>sjonell risiko som fastsettes minimum \u00e5rlig a<span class=\"_ _0\"></span>v styret. Policy<span class=\"_ _0\"></span>en tar utgangspunkt i Finanstilsynets tiln\u00e6rming til operasjonell risiko definert i \u00abModul for vur<span class=\"_ _0\"></span>dering av operasjonell risiko\u00bb som igjen by<span class=\"_ _0\"></span>gger p\u00e5 COSO, et in-<span class=\"_ _2cc\"> </span>ternasjonalt akseptert rammeverk f<span class=\"_ _0\"></span>or helhetlig risikosty-<span class=\"_ _2cc\"> </span>ring. Rammeverk<span class=\"_ _0\"></span>et best\u00e5r av \u00e5tte innbyr<span class=\"_ _0\"></span>des relaterte komponenter; internt milj\u00f8, etablering a<span class=\"_ _0\"></span>v m\u00e5lsettinger<span class=\"_ _1\"></span>, identifisering av hendelser<span class=\"_ _1\"></span>, risikovur<span class=\"_ _0\"></span>dering, risikoh\u00e5ndte-<span class=\"_ _2cc\"> </span>ring, kontrollaktiviteter<span class=\"_ _141\"></span>, informasjon og kommunikasjon og oppf\u00f8lging. Etterlevelse a<span class=\"_ _0\"></span>v rammer og risikotoleranse ov<span class=\"_ _0\"></span>erv\u00e5kes av avdeling f<span class=\"_ _0\"></span>or risikostyring, og status rapporteres kvar-<span class=\"_ _2cc\"> </span>talsvis til styret. Vur<span class=\"_ _0\"></span>dering av internk<span class=\"_ _0\"></span>ontroll innenfor sen-<span class=\"_ _2cc\"> </span>trale omr\u00e5der innenfor operasjonell risik<span class=\"_ _0\"></span>o rapporteres til styret kvartalsvis som del av bank<span class=\"_ _0\"></span>ens risikorapport.<span class=\"_ _2cc\"> </span>Compliancerisiko er risik<span class=\"_ _0\"></span>oen for at konsernet p\u00e5drar seg offentlige sanksjoner/b\u00f8ter<span class=\"_ _141\"></span>, \u00f8konomisk tap og/<span class=\"_ _2cc\"> </span>eller svekk<span class=\"_ _0\"></span>et omd\u00f8mme som f\u00f8lge av manglende etterlevelse a<span class=\"_ _0\"></span>v lover/f<span class=\"_ _0\"></span>orskrifter<span class=\"_ _1\"></span>, standarder og/eller interne retningslinjer og ver<span class=\"_ _0\"></span>dier (strategier<span class=\"_ _1\"></span>, policyer<span class=\"_ _1\"></span>, fullmaktsreglement, rutiner og etiske retningslinjer). Compliancerisiko styres gjennom policy f<span class=\"_ _0\"></span>or compliance som fastsettes minimum \u00e5rlig av styr<span class=\"_ _0\"></span>et<span class=\"_ _2cc\"> </span>Bankens krise- og k<span class=\"_ _0\"></span>ontinuitetsplan beskriver beslut-<span class=\"_ _2cc\"> </span>ningsstruktur og organisering av en krise der en eller flere av<span class=\"_ _0\"></span>delinger er involvert. Planen bygger p\u00e5 Spar<span class=\"_ _0\"></span>e-<span class=\"_ _2cc\"> </span>Bank 1-alliansens \u00abKrise- og kontinuitetsplan f<span class=\"_ _0\"></span>or selska-<span class=\"_ _2cc\"> </span>per i SpareBank 1 \u2013alliansen\u00bb og ivaretar bank<span class=\"_ _0\"></span>ens rolle i en eventuell krise som omfatter fler<span class=\"_ _0\"></span>e enheter i Alliansen. Overor<span class=\"_ _0\"></span>dnet Krise- og beredskapsplan er utarbeidet og godkjent av styret. Bank<span class=\"_ _0\"></span>ens kriseledelse gjennomf\u00f8rer jevnlig krise\u00f8velser b\u00e5de i egen r<span class=\"_ _0\"></span>egi og i samarbeid med SpareBank 1 Alliansen. IT<span class=\"_ _1\"></span>-virksomheten er en vesentlig faktor for at k<span class=\"_ _0\"></span>onsernet skal n\u00e5 sine forr<span class=\"_ _0\"></span>etningsmessige m\u00e5l. Bankens IT<span class=\"_ _1\"></span>-virksom-<span class=\"_ _2cc\"> </span>het er ogs\u00e5 sentral for regnsk<span class=\"_ _0\"></span>apsf\u00f8ringen og den finan-<span class=\"_ _2cc\"> </span>sielle rapporteringen. SpareBank 1 Alliansen har inng\u00e5tt avtale med IT<span class=\"_ _1\"></span>-leverand\u00f8r<span class=\"_ _0\"></span>en Tieto om drift og videre-<span class=\"_ _2cc\"> </span>utvikling av kjernel\u00f8sningen til Allianse-bank<span class=\"_ _0\"></span>ene. Spare-<span class=\"_ _2cc\"> </span>Bank 1 Alliansen har ogs\u00e5 avtaler med andre le<span class=\"_ _0\"></span>verand\u00f8-<span class=\"_ _2cc\"> </span>rer om ulike IT<span class=\"_ _141\"></span>-l\u00f8sninger<span class=\"_ _0\"></span>. Gjennom avtalen bank<span class=\"_ _0\"></span>en har med SpareBank 1 Alliansen om deltakelse i sammenslut-<span class=\"_ _2cc\"> </span>ningen, tiltrer banken som part i de utk<span class=\"_ _0\"></span>ontrakteringsav-<span class=\"_ _2cc\"> </span>taler SpareBank 1 Alliansen gj\u00f8r med underlev<span class=\"_ _0\"></span>erand\u00f8rer av IT<span class=\"_ _1\"></span>-tjenester<span class=\"_ _1\"></span>. Det er etablert databehandleravtaler mellom de leverand\u00f8r<span class=\"_ _0\"></span>ene og bankene som blant annet sikrer h\u00e5ndtering av taushetsbelagt inf<span class=\"_ _0\"></span>ormasjon. Alle viktige beslutninger i IT<span class=\"_ _1\"></span>-virksomheten er forankret hos ledelsen i banken. Bank<span class=\"_ _0\"></span>ens internkontrollerarbeid innen-<span class=\"_ _2cc\"> </span>for IT har s\u00e6rlig f<span class=\"_ _0\"></span>okus p\u00e5 driftsstabilitet, endringsh\u00e5nd-<span class=\"_ _2cc\"> </span>tering og informasjonssikk<span class=\"_ _0\"></span>erhet. Det foretas k<span class=\"_ _0\"></span>artlegging av den operasjonelle risiko i forbindelse med oppfyllelse a<span class=\"_ _0\"></span>v internkontroll- og  DORA-r<span class=\"_ _0\"></span>egelverket. Det gjennomf\u00f8res vider<span class=\"_ _0\"></span>e s\u00e6rskilte risikoanalyser a<span class=\"_ _0\"></span>v prosesser og forr<span class=\"_ _0\"></span>etningsomr\u00e5der der dette anses n\u00f8dvendig.<span class=\"_ _2cc\"> </span>SpareBank 1 Ringerike Hadeland legger v<span class=\"_ _0\"></span>ekt p\u00e5 full-<span class=\"_ _2cc\"> </span>maktsstrukturer<span class=\"_ _1\"></span>, gode rutinebeskrivelser<span class=\"_ _1\"></span>, definerte ansvarsforhold og en kultur som stimuler<span class=\"_ _0\"></span>er til organisa-<span class=\"_ _2cc\"> </span>torisk l\u00e6ring for \u00e5 h\u00e5ndtere den operasjonelle risik<span class=\"_ _0\"></span>oen.<span class=\"_ _2cc\"> </span>ESG-risiko<span class=\"_ _2cc\"> </span>ESG-risiko er risik<span class=\"_ _0\"></span>o for tap som f\u00f8lge av \u2022 <span class=\"_ _2\"></span>Fysiske endringer i klima- natur- og/eller milj\u00f8f<span class=\"_ _0\"></span>orhold (Environment) som direkte eller indir<span class=\"_ _0\"></span>ekte vil kunne ha negativ effekt f<span class=\"_ _0\"></span>or konsernet. Klimarisiko handler b\u00e5de om hvordan de fysisk<span class=\"_ _0\"></span>e konsekv<span class=\"_ _0\"></span>ensene av klima-<span class=\"_ _2cc\"> </span>endringer vil p\u00e5virke natur og samfunn (fysisk klimarisik<span class=\"_ _0\"></span>o),<span class=\"_ _3\"></span> og hva over<span class=\"_ _0\"></span>gangen til et samfunn med netto null utslipp vil inneb\u00e6re (ov<span class=\"_ _0\"></span>ergangsrisiko)<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Manglende etterlevelse a<span class=\"_ _0\"></span>v markedets f<span class=\"_ _0\"></span>orventninger eller regulatoriske kra<span class=\"_ _0\"></span>v knyttet til arbeidstakerr<span class=\"_ _0\"></span>ettig-<span class=\"_ _2cc\"> </span>heter<span class=\"_ _1\"></span>, menneskerettigheter og god forr<span class=\"_ _0\"></span>etningsskikk (Social)<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Manglende etterlevelse a<span class=\"_ _0\"></span>v markedets f<span class=\"_ _0\"></span>orventninger eller regulatoriske kra<span class=\"_ _0\"></span>v knyttet til styring og kontr<span class=\"_ _0\"></span>oll (Government)<span class=\"_ _2cc\"> </span>ESG-risiko ansees v\u00e6re en underliggende risik<span class=\"_ _0\"></span>odriver<span class=\"_ _1\"></span>, spesielt til kredittrisiko<span class=\"_ _0\"></span>, markedsrisik<span class=\"_ _0\"></span>o, likviditetsrisiko og operasjonell risiko. Det er f<span class=\"_ _0\"></span>oretatt risik<span class=\"_ _0\"></span>okartlegging som ligger til grunn for bank<span class=\"_ _0\"></span>ens ambisjoner innen b\u00e6-<span class=\"_ _2cc\"> </span>rekraftsomr\u00e5det og som danner grunnlaget for r<span class=\"_ _0\"></span>evide-<span class=\"_ _2cc\"> </span>ring av policy f<span class=\"_ _0\"></span>or styring og kontroll a<span class=\"_ _0\"></span>v b\u00e6rekraftrisiko<span class=\"_ _0\"></span>. Policy<span class=\"_ _0\"></span>dokumentet angir bankens risikotoleranse og -h\u00e5ndtering, roller og ansvar<span class=\"_ _1\"></span>, rapportering og overv\u00e5-<span class=\"_ _2cc\"> </span>king, samt prosess for k<span class=\"_ _0\"></span>ontinuerlig forbedring og m\u00e5l for bank<span class=\"_ _0\"></span>ens b\u00e6rekraftsarbeid. ESG-risiko er inkludert i alle \u00f8vrige over<span class=\"_ _0\"></span>ordnede styringsdokumenter og retningslinjer til konsernet. Bank<span class=\"_ _0\"></span>en har gjennomf\u00f8rt en dobbelt vesentlighetsanalyse. Det er gitt en n\u00e6rmere omtale av de mest v<span class=\"_ _0\"></span>esentlige teamene innenfor b\u00e6rekraft og samfunn i bank<span class=\"_ _0\"></span>ens b\u00e6rekraftsrapportering. For ytterligere inf<span class=\"_ _0\"></span>ormasjon vises til b.la. f\u00f8lgende noter:<span class=\"_ _2cc\"> </span>Note 8:<span class=\"ff4 fc3\"> <span class=\"_ _10c\"> </span>Utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></span>Note 11:<span class=\"ff4 fc3\"> <span class=\"_ _a3\"> </span>Maksimal kredittrisik<span class=\"_ _0\"></span>oeksponering, </span> <span class=\"_ _49\"> </span>ikke hensyntatt pantstillelser<span class=\"_ _2cc\"> </span>Note 15:<span class=\"ff4 fc3\"> <span class=\"_ _5f\"> </span>Markedsrisik<span class=\"_ _0\"></span>o knyttet til renterisiko<span class=\"_ _2cc\"> </span></span>Note 15:<span class=\"ff4 fc3 ws16\"> Likviditetsrisiko </span>Note 26:<span class=\"ff4 fc3\"> <span class=\"_ _18e\"> </span>Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></span>Note 28:<span class=\"ff4 fc3\"> <span class=\"_ _18e\"> </span>Aksjer<span class=\"_ _1\"></span>, andeler og andre </span> egenkapitalinteresser",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-628": {
   "value": "Note 1 \u2013 Generell inf<span class=\"_ _0\"></span>ormasjon<span class=\"_ _2cc\"> </span><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gsa\">Beskrivelse av virk<span class=\"_ _0\"></span>somheten<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb\">SpareBank 1 Ringerike Hadeland har til f<span class=\"_ _0\"></span>orm\u00e5l \u00e5 frem-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc\">me sparing ved \u00e5 ta imot innskudd fra en ubestemt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd\">krets av innskyter<span class=\"_ _0\"></span>e, lever<span class=\"_ _0\"></span>e finansielle tjenester til publi-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse\">kum, n\u00e6ringsliv og offentlig sektor<span class=\"_ _1\"></span>, og \u00e5 forvalte p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf\">trygg m\u00e5te de midler den r\u00e5r over i samsvar med de </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs10\">lovregler som til enhv<span class=\"_ _0\"></span>er tid gjelder for sparebank<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs11\">Bankens f<span class=\"_ _0\"></span>orm\u00e5l er \u00e5 yte investeringstjenester og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12\">tilknyttede tjenester innenfor rammen a<span class=\"_ _0\"></span>v verdipapir-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13\">handelloven. Bank<span class=\"_ _0\"></span>en kan utf\u00f8re alle vanlige bankf<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs14\">retninger og finansielle tjenester i samsvar med den til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs15\">enhver gjeldende lov<span class=\"_ _0\"></span>givning.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16\">Bankens f<span class=\"_ _0\"></span>orretningside er \u00e5 v\u00e6re en solid, l\u00f8nnsom og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs17\">selvstendig sparebank i mark<span class=\"_ _0\"></span>edsomr\u00e5dene Ringeriks- </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18\">og Hadelandsregionen og i Nittedalsomr\u00e5det. Banken </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19\">skal tilby et bredt spekter a<span class=\"_ _0\"></span>v finansielle tjenester til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a\">personkunder<span class=\"_ _1\"></span>, sm\u00e5 og mellomstore bedrifter og of-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b\">fentlig sektor i bank<span class=\"_ _0\"></span>ens virkeomr\u00e5de.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d\">Bankens visjon, ver<span class=\"_ _0\"></span>dier<span class=\"_ _1\"></span>, m\u00e5l og forretningside er ved-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e\">tatt av styret og inntatt i \u00e5r<span class=\"_ _0\"></span>srapporten. </div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs1f\">Konsernet Spar<span class=\"_ _0\"></span>eBank 1 Ringerike Hadeland </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs20\">SpareBank 1 Ringerike Hadeland har sitt ho<span class=\"_ _0\"></span>vedkontor p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs21\">H\u00f8nefoss, S\u00f8ndre T<span class=\"_ _141\"></span>orv 6, i Ringerike kommune (morbank) </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs22\">og lokalbanker i k<span class=\"_ _0\"></span>ommunene Ringerike, Jevnak<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, Nittedal<span class=\"_ _3\"></span> </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs23\">og Gran. Hoveddelen a<span class=\"_ _0\"></span>v lokalbankene er samlokalisert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs24\">med Eiendomsmegleren Ringerike Hadeland AS. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs25\">Konsernet Spar<span class=\"_ _0\"></span>eBank 1 Ringerike Hadeland best\u00e5r av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs26\">morbanken, datterselskapet Eiendomsmegler<span class=\"_ _0\"></span>en Ringe<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs27\">rike Hadeland AS (100 % eierandel) og datterselskapet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs28\">SpareBank 1 \u00d8konomihuset AS (100 % eierandel).<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs29\">SpareBank 1 Ringerike Hadeland er notert p\u00e5 Oslo B\u00f8rs </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws4 gs2a\">(\"RING\"). </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws0 gs2b\">\u00c5rsregnskapet f<span class=\"_ _0\"></span>or 2025 ble vedtatt av styr<span class=\"_ _0\"></span>et 13. februar </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls2 ws4 gs2c\">2026.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-619": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs8\">Note 2 \u2013 R<span class=\"_ _0\"></span>egnskapsprinsipper IFRS<span class=\"_ _2cc\"> </span></div>Grunnlaget for utarbeidelse a<span class=\"_ _0\"></span>v det konsoliderte  \u00e5rsregnskapet<span class=\"_ _2cc\"> </span>Selskaps- og konsernr<span class=\"_ _0\"></span>egnskapet 2025 for SpareBank 1 Ringerike Hadeland er satt opp i ov<span class=\"_ _0\"></span>erensstemmelse med Internasjonale standarder for finansiell rappor-<span class=\"_ _2cc\"> </span>tering (IFRS) som er gjort gjeldende i Norge. Dette omfatter ogs\u00e5 tolkninger fra Den internasjonale tolk-<span class=\"_ _2cc\"> </span>ningskomit\u00e9 f<span class=\"_ _0\"></span>or finansiell rapportering (IFRIC) og dens forgjenger<span class=\"_ _141\"></span>, Den faste tolkningskomit\u00e9 (SIC). Regnska-<span class=\"_ _2cc\"> </span>pet er avlagt basert p\u00e5 IFRS standarder og f<span class=\"_ _0\"></span>ortolknin-<span class=\"_ _2cc\"> </span>ger obligatoriske f<span class=\"_ _0\"></span>or \u00e5rsregnskap som a<span class=\"_ _0\"></span>vlegges per 31. desember 2025.<span class=\"_ _2cc\"> </span>Konsernr<span class=\"_ _0\"></span>egnskapet og selskapsregnskapet er a<span class=\"_ _0\"></span>vlagt under forutsetning om f<span class=\"_ _0\"></span>ortsatt drift.<span class=\"_ _2cc\"> </span>Implementerte regnskapsstandarder og andr<span class=\"_ _0\"></span>e  <span class=\"_ _6c\"></span>relevante endringer i r<span class=\"_ _0\"></span>egelverk i 2025 CRR 3 (Capital Requir<span class=\"_ _0\"></span>ements Regulation III), som implementerer det endelige Basel III-rammev<span class=\"_ _0\"></span>erket, ble innf\u00f8rt i Norge 1. april 2025. Denne for<span class=\"_ _0\"></span>ordningen medf\u00f8rte vesentlige endringer i kreditt-<span class=\"_ _0\"></span>, markeds- og operasjonell risiko, blant annet en mer risik<span class=\"_ _0\"></span>osensitiv standardmetode for kr<span class=\"_ _0\"></span>edittrisiko med la<span class=\"_ _0\"></span>vere risik<span class=\"_ _0\"></span>ovek-<span class=\"_ _2cc\"> </span>ter for sikreste boligl\u00e5n (fra 35 % til 20 %) og tilpasnin-<span class=\"_ _2cc\"> </span>ger for n\u00e6ringseiendomsl\u00e5n. Bank<span class=\"_ _0\"></span>en har implementert endringene i tr\u00e5d med regelverk<span class=\"_ _0\"></span>et. \u00d8vrige endringer med virkning for fremtidige perioder IFRS 18 \u201cPresentation and Disclosure in Financial State-<span class=\"_ _2cc\"> </span>ments\u201d trer i kraft for rapporteringsperioden som be-<span class=\"_ _2cc\"> </span>gynner 1. januar 2027 (med tidligere anvendelse tillatt). Standarden erstatter IAS 1 og medf\u00f8rer et nytt ram-<span class=\"_ _2cc\"> </span>meverk f<span class=\"_ _0\"></span>or klassifisering og oppstilling av resultatr<span class=\"_ _0\"></span>egn-<span class=\"_ _2cc\"> </span>skap, inkludert definerte kategorier (operativ<span class=\"_ _1\"></span>, investe-<span class=\"_ _2cc\"> </span>rings  og finansieringsvirksomhet), samt standardiserte subtotaler og totaler<span class=\"_ _1\"></span>. Det innf\u00f8res ogs\u00e5 strengere krav til aggregering, disaggr<span class=\"_ _0\"></span>egering og merking i hoved- og noteoppstillinger<span class=\"_ _141\"></span>, samt obligatoriske opp-<span class=\"_ _2cc\"> </span>lysninger om ledelsesdefinerte resultatm\u00e5l (MPM) med avstemminger mot IFRS-definerte st\u00f8rrelser<span class=\"_ _141\"></span>. Videre gir IFRS 18 konsekvensendringer i \u00f8vrige standar<span class=\"_ _0\"></span>der som<span class=\"_ _2cc\"> </span>IAS 7<span class=\"_ _141\"></span>, IAS 33 og IAS 34, og krever retrospektiv anv<span class=\"_ _0\"></span>en-<span class=\"_ _2cc\"> </span>delse med justering av sammenligningstall og n\u00f8dven-<span class=\"_ _2cc\"> </span>dige noteopplysninger i henhold til IAS 8.<span class=\"_ _2cc\"> </span>Banken har p\u00e5begynt arbeidet med \u00e5 tilpasse oppstil-<span class=\"_ _2cc\"> </span>lingsplanen IFRS18. Presentasjonsvaluta Presentasjonsvalutaen er norsk<span class=\"_ _0\"></span>e kroner (NOK), som ogs\u00e5 er bankens funksjonelle valuta. Alle bel\u00f8p er i millioner kroner med mindre annet er angitt.<span class=\"_ _2cc\"> </span>Konsolidering<span class=\"_ _2cc\"> </span>Konsernr<span class=\"_ _0\"></span>egnskapet omfatter banken og dattersel-<span class=\"_ _2cc\"> </span>skap. Datterselskap k<span class=\"_ _0\"></span>onsolideres hvis de oppfyller kriteriene til konsolidering etter IFRS 10. IFRS 10 angir tre vilk\u00e5r som m\u00e5 v\u00e6re oppfylt a<span class=\"_ _0\"></span>v banken f<span class=\"_ _0\"></span>or at det skal for<span class=\"_ _0\"></span>eligge konsolideringsplikt: I. <span class=\"_ _142\"> </span>banken m\u00e5 ha bestemmende innflytelse ov<span class=\"_ _0\"></span>er <span class=\"_ _f2\"> </span>virksomheten herunder kunne styre aktiviteter som  <span class=\"_ _f2\"> </span>i vesentlig grad har innvirkning p\u00e5 a<span class=\"_ _0\"></span>vkastningen i datterselskapet<span class=\"_ _2cc\"> </span>II. <span class=\"_ _143\"> </span>banken har mulighet eller rett til \u00e5 motta a<span class=\"_ _0\"></span>vkastning <span class=\"_ _f2\"> </span> fra virksomheten<span class=\"_ _2cc\"> </span>III. <span class=\"_ _141\"></span>banken har mulighet eller r<span class=\"_ _0\"></span>ett til \u00e5 bruke sin  <span class=\"_ _f2\"> </span>innflytelse til \u00e5 p\u00e5virke a<span class=\"_ _0\"></span>vkastningens st\u00f8rrelse. Datterselskap er konsolidert fra det tidspunkt bank<span class=\"_ _0\"></span>en har overtatt slik k<span class=\"_ _0\"></span>ontroll, og det tas ut av k<span class=\"_ _0\"></span>onsoliderin-<span class=\"_ _2cc\"> </span>gen fra det tidspunkt banken gir fra seg slik k<span class=\"_ _0\"></span>ontroll. Gjensidige balanseposter og alle vesentlige resulta-<span class=\"_ _2cc\"> </span>telementer er eliminert. Minoritetens andel av konser-<span class=\"_ _2cc\"> </span>nets resultat blir presentert i egen linje under resultat etter skatt i resultatregnsk<span class=\"_ _0\"></span>apet. I egenkapitalen vises minoritetens andel som en egen post.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-663": {
   "value": "Beskrivelse av virksomheten SpareBank 1 Ringerike Hadeland har til form\u00e5l \u00e5 frem- me sparing ved \u00e5 ta imot innskudd fra en ubestemt krets av innskytere, levere finansielle tjenester til publi- kum, n\u00e6ringsliv og offentlig sektor, og \u00e5 forvalte p\u00e5 trygg m\u00e5te de midler den r\u00e5r over i samsvar med de lovregler som til enhver tid gjelder for sparebanker. Bankens form\u00e5l er \u00e5 yte investeringstjenester og tilknyttede tjenester innenfor rammen av verdipapir- handelloven. Banken kan utf\u00f8re alle vanlige bankfor- retninger og finansielle tjenester i samsvar med den til enhver gjeldende lovgivning. Bankens forretningside er \u00e5 v\u00e6re en solid, l\u00f8nnsom og selvstendig sparebank i markedsomr\u00e5dene Ringeriks- og Hadelandsregionen og i Nittedalsomr\u00e5det. Banken skal tilby et bredt spekter av finansielle tjenester til personkunder, sm\u00e5 og mellomstore bedrifter og of- fentlig sektor i bankens virkeomr\u00e5de. Bankens visjon, verdier, m\u00e5l og forretningside er ved- tatt av styret og inntatt i \u00e5rsrapporten. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-707": {
   "value": "SpareBank 1 Ringerike Hadeland",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-708": {
   "value": "sparebank ",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-709": {
   "value": "SpareBank 1 Ringerike Hadeland",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-664": {
   "value": "SpareBank 1 Ringerike Hadeland har sitt hovedkontor p\u00e5 H\u00f8nefoss, S\u00f8ndre Torv 6, i Ringerike kommune (morbank) og lokalbanker i kommunene Ringerike, Jevnaker, Nittedal og Gran. Hoveddelen av lokalbankene er samlokalisert med Eiendomsmegleren Ringerike Hadeland AS. ",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-710": {
   "value": "H\u00f8nefoss, S\u00f8ndre Torv 6",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-711": {
   "value": "SpareBank 1 Ringerike Hadeland",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-665": {
   "value": "Grunnlaget for utarbeidelse a<span class=\"_ _0\"></span>v det konsoliderte  \u00e5rsregnskapet<span class=\"_ _2cc\"> </span>Selskaps- og konsernr<span class=\"_ _0\"></span>egnskapet 2025 for SpareBank 1 Ringerike Hadeland er satt opp i ov<span class=\"_ _0\"></span>erensstemmelse med Internasjonale standarder for finansiell rappor-<span class=\"_ _2cc\"> </span>tering (IFRS) som er gjort gjeldende i Norge. Dette omfatter ogs\u00e5 tolkninger fra Den internasjonale tolk-<span class=\"_ _2cc\"> </span>ningskomit\u00e9 f<span class=\"_ _0\"></span>or finansiell rapportering (IFRIC) og dens forgjenger<span class=\"_ _141\"></span>, Den faste tolkningskomit\u00e9 (SIC). Regnska-<span class=\"_ _2cc\"> </span>pet er avlagt basert p\u00e5 IFRS standarder og f<span class=\"_ _0\"></span>ortolknin-<span class=\"_ _2cc\"> </span>ger obligatoriske f<span class=\"_ _0\"></span>or \u00e5rsregnskap som a<span class=\"_ _0\"></span>vlegges per 31. desember 2025.<span class=\"_ _2cc\"> </span>Konsernr<span class=\"_ _0\"></span>egnskapet og selskapsregnskapet er a<span class=\"_ _0\"></span>vlagt under forutsetning om f<span class=\"_ _0\"></span>ortsatt drift.<span class=\"_ _2cc\"> </span><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs5c\">Presentasjonsvaluta </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs5d\">Presentasjonsvalutaen er norsk<span class=\"_ _0\"></span>e kroner (NOK), som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs5e\">ogs\u00e5 er bankens funksjonelle valuta. Alle bel\u00f8p er i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs5f\">millioner kroner med mindre annet er angitt.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-712": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs2e\">Selskaps- og konsernr<span class=\"_ _0\"></span>egnskapet 2025 for SpareBank </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs2f\">1 Ringerike Hadeland er satt opp i ov<span class=\"_ _0\"></span>erensstemmelse </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs30\">med Internasjonale standarder for finansiell rappor-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs31\">tering (IFRS) som er gjort gjeldende i Norge. Dette </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs32\">omfatter ogs\u00e5 tolkninger fra Den internasjonale tolk-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs33\">ningskomit\u00e9 f<span class=\"_ _0\"></span>or finansiell rapportering (IFRIC) og dens </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs34\">forgjenger<span class=\"_ _141\"></span>, Den faste tolkningskomit\u00e9 (SIC). Regnska-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs35\">pet er avlagt basert p\u00e5 IFRS standarder og f<span class=\"_ _0\"></span>ortolknin-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs36\">ger obligatoriske f<span class=\"_ _0\"></span>or \u00e5rsregnskap som a<span class=\"_ _0\"></span>vlegges per </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs37\">31. desember 2025.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-736": {
   "value": "Norge",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-746": {
   "value": "Norge",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-713": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs39\">Konsernr<span class=\"_ _0\"></span>egnskapet og selskapsregnskapet er a<span class=\"_ _0\"></span>vlagt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3a\">under forutsetning om f<span class=\"_ _0\"></span>ortsatt drift.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-666": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs3c\">Implementerte regnskapsstandarder og andr<span class=\"_ _0\"></span>e </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs3d\"> <span class=\"_ _6c\"></span>relevante endringer i r<span class=\"_ _0\"></span>egelverk i 2025 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3e\">CRR 3 (Capital Requir<span class=\"_ _0\"></span>ements Regulation III), som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3f\">implementerer det endelige Basel III-rammev<span class=\"_ _0\"></span>erket, </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs40\">ble innf\u00f8rt i Norge 1. april 2025. Denne for<span class=\"_ _0\"></span>ordningen </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs41\">medf\u00f8rte vesentlige endringer i kreditt-<span class=\"_ _0\"></span>, markeds- og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs42\">operasjonell risiko, blant annet en mer risik<span class=\"_ _0\"></span>osensitiv </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs43\">standardmetode for kr<span class=\"_ _0\"></span>edittrisiko med la<span class=\"_ _0\"></span>vere risik<span class=\"_ _0\"></span>ovek-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs44\">ter for sikreste boligl\u00e5n (fra 35 % til 20 %) og tilpasnin-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs45\">ger for n\u00e6ringseiendomsl\u00e5n. Bank<span class=\"_ _0\"></span>en har implementert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs46\">endringene i tr\u00e5d med regelverk<span class=\"_ _0\"></span>et. </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls1 wse gs47\">\u00d8vrige endringer med virkning for fremtidige perioder </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs48\">IFRS 18 \u201cPresentation and Disclosure in Financial State-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs49\">ments\u201d trer i kraft for rapporteringsperioden som be-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs4a\">gynner 1. januar 2027 (med tidligere anvendelse tillatt). </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs4b\">Standarden erstatter IAS 1 og medf\u00f8rer et nytt ram-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs4c\">meverk f<span class=\"_ _0\"></span>or klassifisering og oppstilling av resultatr<span class=\"_ _0\"></span>egn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs4d\">skap, inkludert definerte kategorier (operativ<span class=\"_ _1\"></span>, investe-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs4e\">rings  og finansieringsvirksomhet), samt standardiserte </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs4f\">subtotaler og totaler<span class=\"_ _1\"></span>. Det innf\u00f8res ogs\u00e5 strengere </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs50\">krav til aggregering, disaggr<span class=\"_ _0\"></span>egering og merking i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs51\">hoved- og noteoppstillinger<span class=\"_ _141\"></span>, samt obligatoriske opp-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs52\">lysninger om ledelsesdefinerte resultatm\u00e5l (MPM) med </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs53\">avstemminger mot IFRS-definerte st\u00f8rrelser<span class=\"_ _141\"></span>. Videre gir </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs54\">IFRS 18 konsekvensendringer i \u00f8vrige standar<span class=\"_ _0\"></span>der som<span class=\"_ _2cc\"> </span> </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs56\">IAS 7<span class=\"_ _141\"></span>, IAS 33 og IAS 34, og krever retrospektiv anv<span class=\"_ _0\"></span>en-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs57\">delse med justering av sammenligningstall og n\u00f8dven-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs58\">dige noteopplysninger i henhold til IAS 8.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs59\">Banken har p\u00e5begynt arbeidet med \u00e5 tilpasse oppstil-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs5a\">lingsplanen IFRS18. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-670": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs61\">Konsolidering<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs62\">Konsernr<span class=\"_ _0\"></span>egnskapet omfatter banken og dattersel-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs63\">skap. Datterselskap k<span class=\"_ _0\"></span>onsolideres hvis de oppfyller </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs64\">kriteriene til konsolidering etter IFRS 10. IFRS 10 angir </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs65\">tre vilk\u00e5r som m\u00e5 v\u00e6re oppfylt a<span class=\"_ _0\"></span>v banken f<span class=\"_ _0\"></span>or at det </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs66\">skal for<span class=\"_ _0\"></span>eligge konsolideringsplikt: </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs67\">I. <span class=\"_ _142\"> </span>banken m\u00e5 ha bestemmende innflytelse ov<span class=\"_ _0\"></span>er</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs68\"> <span class=\"_ _f2\"> </span>virksomheten herunder kunne styre aktiviteter som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs69\"> <span class=\"_ _f2\"> </span>i vesentlig grad har innvirkning p\u00e5 a<span class=\"_ _0\"></span>vkastningen i</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 wsf gs17\"> datterselskapet<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs6a\">II. <span class=\"_ _143\"> </span>banken har mulighet eller rett til \u00e5 motta a<span class=\"_ _0\"></span>vkastning</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19\"> <span class=\"_ _f2\"> </span> fra virksomheten<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs6b\">III. <span class=\"_ _141\"></span>banken har mulighet eller r<span class=\"_ _0\"></span>ett til \u00e5 bruke sin </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b\"> <span class=\"_ _f2\"> </span>innflytelse til \u00e5 p\u00e5virke a<span class=\"_ _0\"></span>vkastningens st\u00f8rrelse. </div>Datterselskap er konsolidert fra det tidspunkt bank<span class=\"_ _0\"></span>en har overtatt slik k<span class=\"_ _0\"></span>ontroll, og det tas ut av k<span class=\"_ _0\"></span>onsoliderin-<span class=\"_ _2cc\"> </span>gen fra det tidspunkt banken gir fra seg slik k<span class=\"_ _0\"></span>ontroll. Gjensidige balanseposter og alle vesentlige resulta-<span class=\"_ _2cc\"> </span>telementer er eliminert. Minoritetens andel av konser-<span class=\"_ _2cc\"> </span>nets resultat blir presentert i egen linje under resultat etter skatt i resultatregnsk<span class=\"_ _0\"></span>apet. I egenkapitalen vises minoritetens andel som en egen post",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-715": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs6d\">Datterselskap er konsolidert fra det tidspunkt bank<span class=\"_ _0\"></span>en </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs6e\">har overtatt slik k<span class=\"_ _0\"></span>ontroll, og det tas ut av k<span class=\"_ _0\"></span>onsoliderin-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs6f\">gen fra det tidspunkt banken gir fra seg slik k<span class=\"_ _0\"></span>ontroll. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs70\">Gjensidige balanseposter og alle vesentlige resulta-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs71\">telementer er eliminert. Minoritetens andel av konser-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs72\">nets resultat blir presentert i egen linje under resultat </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs73\">etter skatt i resultatregnsk<span class=\"_ _0\"></span>apet. I egenkapitalen vises </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs74\">minoritetens andel som en egen post.</div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-667": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs76\">Felleskontr<span class=\"_ _0\"></span>ollert virksomhet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs77\">En fellesk<span class=\"_ _0\"></span>ontrollert virksomhet er en virksomhet der </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs78\">to eller flere parter har felles k<span class=\"_ _0\"></span>ontroll og er kjenneteg-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs79\">net ved at partene er bundet av en k<span class=\"_ _0\"></span>ontraktsregulert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs7a\">ordning som gir to eller flere a<span class=\"_ _0\"></span>v disse partene felles </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs7b\">kontroll o<span class=\"_ _0\"></span>ver den fellesk<span class=\"_ _0\"></span>ontrollerte virksomheten.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs7c\">SpareBank 1 Gruppen eies med 19,5 prosent hv<span class=\"_ _0\"></span>er av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs7d\">SpareBank 1 S\u00f8r-Norge Spar<span class=\"_ _0\"></span>eBank 1 SMN, SpareBank </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs7e\">1 Nord-Norge og Samarbeidende Spar<span class=\"_ _0\"></span>ebanker AS. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs7f\">\u00d8vrige eiere er SpareBank 1 \u00d8stlandet (12,<span class=\"_ _0\"></span>4 prosent) </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs80\">og L<span class=\"_ _0\"></span>O (9,6 prosent).<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs81\">Styringsstrukturen for Spar<span class=\"_ _0\"></span>eBank 1-samarbeidet er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs82\">regulert i en avtale mellom eierne. Samspar r<span class=\"_ _0\"></span>egnskaps-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs83\">f\u00f8rer investeringer i f<span class=\"_ _0\"></span>elleskontrollert virksomhet etter </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs84\">egenkapitalmetoden. SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs85\">eier 16,55 prosent av Samarbeidende Spar<span class=\"_ _0\"></span>ebanker AS </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs86\">og 16,46 pr<span class=\"_ _0\"></span>osent Sparebank 1 SamSpar AS. Sparebank </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs87\">1 SamSpar AS var tidligere et datterselskap a<span class=\"_ _0\"></span>v Samar-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs88\">beidende Sparebanker AS.</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs89\"> Styringsstrukturen i Samspar-samarbeidet er regulert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs8a\">i en avtale mellom eierne som tilfredsstiller kra<span class=\"_ _0\"></span>vene til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs8b\">fellesk<span class=\"_ _0\"></span>ontrollert virksomhet. Bankens eierandel regn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs8c\">skapsf\u00f8res etter egenkapitalmetoden i k<span class=\"_ _0\"></span>onsernregn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs8d\">skapet og kostmetoden i morbankr<span class=\"_ _0\"></span>egnskapet.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-668": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs8f\">Kontanter </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs90\">Kontanter best\u00e5r a<span class=\"_ _0\"></span>v kontanter i NOK og valuta, samt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs91\">innskudd i Norges Bank.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-669": {
   "value": "Finansielle eiendeler  Etter IFRS 9 skal finansielle eiendeler klassifiseres i tre m\u00e5lekategorier: virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet, virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver andre inntekter og kostnader (other comprehensiv<span class=\"_ _0\"></span>e income - OCI) og amortisert kost. M\u00e5lekategori bestemmes ved f\u00f8rstegangs regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av eiendelen. For finansielle eiendeler skilles mellom gjeldsinstrumenter<span class=\"_ _1\"></span>, derivater og egenkapitalinstrumenter<span class=\"_ _1\"></span>, hvor gjeldsin-<span class=\"_ _2cc\"> </span>strumenter er alle finansielle eiendeler som ikke er de-<span class=\"_ _2cc\"> </span>rivater eller egenkapitalinstrumenter<span class=\"_ _1\"></span>. Klassifiseringen av finansielle eiendeler bestemmes ut fra k<span class=\"_ _0\"></span>ontrakts-<span class=\"_ _2cc\"> </span>messige vilk\u00e5r for de finansielle eiendelene og hvilk<span class=\"_ _0\"></span>en forretningsmodell som bruk<span class=\"_ _0\"></span>es for styring a<span class=\"_ _0\"></span>v porte-<span class=\"_ _2cc\"> </span>f\u00f8ljen som eiendelene inng\u00e5r i.<span class=\"_ _2cc\"> </span>Finansielle eiendeler som er gjeldsinstrumenter<span class=\"_ _2cc\"> </span>Gjeldsinstrumenter med kontraktf<span class=\"_ _0\"></span>estede kontant-<span class=\"_ _2cc\"> </span>str\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med form\u00e5l \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kontantstr\u00f8m-<span class=\"_ _2cc\"> </span>mer skal i utgangspunktet m\u00e5les til amortisert kost. Instrumenter med kontraktf<span class=\"_ _0\"></span>estede kontantstr\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>m\u00e5l b\u00e5de \u00e5 motta kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer og salg, skal i utgangspunktet m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver OCI, med renteinntekt, va-<span class=\"_ _2cc\"> </span>lutaomregningseffekter og e<span class=\"_ _0\"></span>ventuelle nedskrivninger presentert i det ordin\u00e6re r<span class=\"_ _0\"></span>esultatet. V<span class=\"_ _0\"></span>erdiendringer f\u00f8rt over OCI skal r<span class=\"_ _0\"></span>eklassifiseres til resultatet ved salg eller annen avhendelse a<span class=\"_ _0\"></span>v eiendelene. Banken benytter seg a<span class=\"_ _0\"></span>v SpareBank 1 Boligkreditt AS som finansieringsverkt\u00f8y (se Note 9 f<span class=\"_ _0\"></span>or \u00f8vrig beskri-<span class=\"_ _2cc\"> </span>velse). Banken o<span class=\"_ _0\"></span>verf\u00f8rer bare deler a<span class=\"_ _0\"></span>v de utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring til boligkredittselskapet. Utl\u00e5n som inng\u00e5r i forretningsmodeller (portef\u00f8ljer) med utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring kan derfor sies \u00e5 holdes b\u00e5de for \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kon-<span class=\"_ _2cc\"> </span>tantstr\u00f8mmer og for salg, en f<span class=\"_ _0\"></span>orretningsmodell som er konsistent med m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi med ver<span class=\"_ _0\"></span>di-<span class=\"_ _2cc\"> </span>endringer over OCI i b\u00e5de morbank<span class=\"_ _0\"></span>ens og konsernets resultat. Ut fra en vurdering av betingelser f<span class=\"_ _0\"></span>or utl\u00e5n til per-<span class=\"_ _2cc\"> </span>son- og bedriftsmarkedskunder<span class=\"_ _1\"></span>, er det derfor kon-<span class=\"_ _2cc\"> </span>kludert med at hele PM-portef\u00f8ljen, med unntak av fastrenteutl\u00e5n, klassifiseres til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi<span class=\"_ _2cc\"> </span>over OCI. BM-utl\u00e5n, som ikk<span class=\"_ _0\"></span>e er fastrenteutl\u00e5n, m\u00e5les til amortisert kost. Kontanter og f<span class=\"_ _0\"></span>ordringer<span class=\"_ _2cc\"> </span> p\u00e5 sentral-<span class=\"_ _2cc\"> </span>banker samt utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjo-<span class=\"_ _2cc\"> </span>ner m\u00e5les ogs\u00e5 til amortisert kost.<span class=\"_ _2cc\"> </span>\u00d8vrige gjeldsinstrumenter skal m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet. Dette gjelder instrumenter med kontantstr\u00f8mmer som ikk<span class=\"_ _0\"></span>e bare er betaling av normal rente (tids<span class=\"_ _0\"></span>verdi a<span class=\"_ _0\"></span>v penger<span class=\"_ _1\"></span>, kreditt-<span class=\"_ _2cc\"> </span>margin og andre normale mar<span class=\"_ _0\"></span>giner knyttet til utl\u00e5n og fordringer) og ho<span class=\"_ _0\"></span>vedstol, og instrumenter som holdes i en forretningsmodell hv<span class=\"_ _0\"></span>or form\u00e5let i hov<span class=\"_ _0\"></span>edsak ikke er mottak av k<span class=\"_ _0\"></span>ontraktfestede kontantstr\u00f8mmer<span class=\"_ _141\"></span>. Bankens investeringer i sertifikater og obligasjoner m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultat p\u00e5 grunn av bank<span class=\"_ _0\"></span>ens forretningsmodell. Instrumenter som i utgangspunktet skal m\u00e5les til amortisert kost eller til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver OCI kan m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultatet dersom dette eliminerer eller reduser<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, med vesentlig grad, et regnskapsmessig misf<span class=\"_ _0\"></span>orhold. Instrumenter som i utgangspunktet skal m\u00e5les til amor-<span class=\"_ _2cc\"> </span>tisert kost eller til virkelig v<span class=\"_ _0\"></span>erdi med ver<span class=\"_ _0\"></span>diendringer over OCI kan utpek<span class=\"_ _0\"></span>es til m\u00e5ling til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet dersom dette elimine-<span class=\"_ _2cc\"> </span>rer eller vesentlig r<span class=\"_ _0\"></span>eduserer et regnskapsmessig mis-<span class=\"_ _2cc\"> </span>forhold. Som f\u00f8lge a<span class=\"_ _0\"></span>v at vurdering av fastr<span class=\"_ _0\"></span>enteutl\u00e5n til amortisert kost ville medf\u00f8rt et regnskapsmessig misforhold grunnet regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av sikringsinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di, har SpareBank 1 Ringerike Ha-<span class=\"_ _2cc\"> </span>deland valgt \u00e5 m\u00e5le alle fastrenteutl\u00e5n til virk<span class=\"_ _0\"></span>elig verdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet. Derivater og investeringer i egenkapitalinstrumenter<span class=\"_ _2cc\"> </span>Alle derivater skal i utgangspunktet m\u00e5les til virkelig verdi med v<span class=\"_ _0\"></span>erdiendring over r<span class=\"_ _0\"></span>esultatet, men derivater som er utpekt som sikringsinstrumenter skal regn-<span class=\"_ _2cc\"> </span>skapsf\u00f8res i tr\u00e5d med prinsippene f<span class=\"_ _0\"></span>or sikringsbokf\u00f8-<span class=\"_ _2cc\"> </span>ring.<span class=\"_ _2cc\"> </span> Investeringer i egenkapitalinstrumenter skal m\u00e5les i balansen til virkelig ver<span class=\"_ _0\"></span>di med mindre man oppfyller kravene til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver OCI og velger dette ved f\u00f8rste gangs innregning. Spar<span class=\"_ _0\"></span>eBank 1 Ringe-<span class=\"_ _2cc\"> </span>rike Hadeland regnsk<span class=\"_ _0\"></span>apsf\u00f8rer alle egenkapitalinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di over r<span class=\"_ _0\"></span>esultat. Renter knyttet til derivater som sikrer fastrentefinansiering pr<span class=\"_ _0\"></span>esenteres under \u00abRentek<span class=\"_ _0\"></span>ostnader\u00bb sammen med rentekostnader fra sikringsobjektet. Renter knyttet til derivater hvor det ikke benyttes sikringsbokf\u00f8ring presenter<span class=\"_ _0\"></span>es under \u00abAndre renteinntekter\u00bb. V<span class=\"_ _1\"></span>erdiendring blir f\u00f8rt under \u00abNetto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer\u00bb.<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-748": {
   "value": "Finansielle eiendeler  Etter IFRS 9 skal finansielle eiendeler klassifiseres i tre m\u00e5lekategorier: virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet, virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver andre inntekter og kostnader (other comprehensiv<span class=\"_ _0\"></span>e income - OCI) og amortisert kost. M\u00e5lekategori bestemmes ved f\u00f8rstegangs regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av eiendelen. For finansielle eiendeler skilles mellom gjeldsinstrumenter<span class=\"_ _1\"></span>, derivater og egenkapitalinstrumenter<span class=\"_ _1\"></span>, hvor gjeldsin-<span class=\"_ _2cc\"> </span>strumenter er alle finansielle eiendeler som ikke er de-<span class=\"_ _2cc\"> </span>rivater eller egenkapitalinstrumenter<span class=\"_ _1\"></span>. Klassifiseringen av finansielle eiendeler bestemmes ut fra k<span class=\"_ _0\"></span>ontrakts-<span class=\"_ _2cc\"> </span>messige vilk\u00e5r for de finansielle eiendelene og hvilk<span class=\"_ _0\"></span>en forretningsmodell som bruk<span class=\"_ _0\"></span>es for styring a<span class=\"_ _0\"></span>v porte-<span class=\"_ _2cc\"> </span>f\u00f8ljen som eiendelene inng\u00e5r i.<span class=\"_ _2cc\"> </span>Finansielle eiendeler som er gjeldsinstrumenter<span class=\"_ _2cc\"> </span>Gjeldsinstrumenter med kontraktf<span class=\"_ _0\"></span>estede kontant-<span class=\"_ _2cc\"> </span>str\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med form\u00e5l \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kontantstr\u00f8m-<span class=\"_ _2cc\"> </span>mer skal i utgangspunktet m\u00e5les til amortisert kost. Instrumenter med kontraktf<span class=\"_ _0\"></span>estede kontantstr\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>m\u00e5l b\u00e5de \u00e5 motta kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer og salg, skal i utgangspunktet m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver OCI, med renteinntekt, va-<span class=\"_ _2cc\"> </span>lutaomregningseffekter og e<span class=\"_ _0\"></span>ventuelle nedskrivninger presentert i det ordin\u00e6re r<span class=\"_ _0\"></span>esultatet. V<span class=\"_ _0\"></span>erdiendringer f\u00f8rt over OCI skal r<span class=\"_ _0\"></span>eklassifiseres til resultatet ved salg eller annen avhendelse a<span class=\"_ _0\"></span>v eiendelene. Banken benytter seg a<span class=\"_ _0\"></span>v SpareBank 1 Boligkreditt AS som finansieringsverkt\u00f8y (se Note 9 f<span class=\"_ _0\"></span>or \u00f8vrig beskri-<span class=\"_ _2cc\"> </span>velse). Banken o<span class=\"_ _0\"></span>verf\u00f8rer bare deler a<span class=\"_ _0\"></span>v de utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring til boligkredittselskapet. Utl\u00e5n som inng\u00e5r i forretningsmodeller (portef\u00f8ljer) med utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring kan derfor sies \u00e5 holdes b\u00e5de for \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kon-<span class=\"_ _2cc\"> </span>tantstr\u00f8mmer og for salg, en f<span class=\"_ _0\"></span>orretningsmodell som er konsistent med m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi med ver<span class=\"_ _0\"></span>di-<span class=\"_ _2cc\"> </span>endringer over OCI i b\u00e5de morbank<span class=\"_ _0\"></span>ens og konsernets resultat. Ut fra en vurdering av betingelser f<span class=\"_ _0\"></span>or utl\u00e5n til per-<span class=\"_ _2cc\"> </span>son- og bedriftsmarkedskunder<span class=\"_ _1\"></span>, er det derfor kon-<span class=\"_ _2cc\"> </span>kludert med at hele PM-portef\u00f8ljen, med unntak av fastrenteutl\u00e5n, klassifiseres til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi<span class=\"_ _2cc\"> </span>over OCI. BM-utl\u00e5n, som ikk<span class=\"_ _0\"></span>e er fastrenteutl\u00e5n, m\u00e5les til amortisert kost. Kontanter og f<span class=\"_ _0\"></span>ordringer<span class=\"_ _2cc\"> </span>p\u00e5 sentral-<span class=\"_ _2cc\"> </span>banker samt utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjo-<span class=\"_ _2cc\"> </span>ner m\u00e5les ogs\u00e5 til amortisert kost.<span class=\"_ _2cc\"> </span>\u00d8vrige gjeldsinstrumenter skal m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet. Dette gjelder instrumenter med kontantstr\u00f8mmer som ikk<span class=\"_ _0\"></span>e bare er betaling av normal rente (tids<span class=\"_ _0\"></span>verdi a<span class=\"_ _0\"></span>v penger<span class=\"_ _1\"></span>, kreditt-<span class=\"_ _2cc\"> </span>margin og andre normale mar<span class=\"_ _0\"></span>giner knyttet til utl\u00e5n og fordringer) og ho<span class=\"_ _0\"></span>vedstol, og instrumenter som holdes i en forretningsmodell hv<span class=\"_ _0\"></span>or form\u00e5let i hov<span class=\"_ _0\"></span>edsak ikke er mottak av k<span class=\"_ _0\"></span>ontraktfestede kontantstr\u00f8mmer<span class=\"_ _141\"></span>. Bankens investeringer i sertifikater og obligasjoner m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultat p\u00e5 grunn av bank<span class=\"_ _0\"></span>ens forretningsmodell. Instrumenter som i utgangspunktet skal m\u00e5les til amortisert kost eller til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver OCI kan m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultatet dersom dette eliminerer eller reduser<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, med vesentlig grad, et regnskapsmessig misf<span class=\"_ _0\"></span>orhold. Instrumenter som i utgangspunktet skal m\u00e5les til amor-<span class=\"_ _2cc\"> </span>tisert kost eller til virkelig v<span class=\"_ _0\"></span>erdi med ver<span class=\"_ _0\"></span>diendringer over OCI kan utpek<span class=\"_ _0\"></span>es til m\u00e5ling til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet dersom dette elimine-<span class=\"_ _2cc\"> </span>rer eller vesentlig r<span class=\"_ _0\"></span>eduserer et regnskapsmessig mis-<span class=\"_ _2cc\"> </span>forhold. Som f\u00f8lge a<span class=\"_ _0\"></span>v at vurdering av fastr<span class=\"_ _0\"></span>enteutl\u00e5n til amortisert kost ville medf\u00f8rt et regnskapsmessig misforhold grunnet regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av sikringsinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di, har SpareBank 1 Ringerike Ha-<span class=\"_ _2cc\"> </span>deland valgt \u00e5 m\u00e5le alle fastrenteutl\u00e5n til virk<span class=\"_ _0\"></span>elig verdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet. Derivater og investeringer i egenkapitalinstrumenter<span class=\"_ _2cc\"> </span>Alle derivater skal i utgangspunktet m\u00e5les til virkelig verdi med v<span class=\"_ _0\"></span>erdiendring over r<span class=\"_ _0\"></span>esultatet, men derivater som er utpekt som sikringsinstrumenter skal regn-<span class=\"_ _2cc\"> </span>skapsf\u00f8res i tr\u00e5d med prinsippene f<span class=\"_ _0\"></span>or sikringsbokf\u00f8-<span class=\"_ _2cc\"> </span>ring.<span class=\"_ _2cc\"> </span> Investeringer i egenkapitalinstrumenter skal m\u00e5les i balansen til virkelig ver<span class=\"_ _0\"></span>di med mindre man oppfyller kravene til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver OCI og velger dette ved f\u00f8rste gangs innregning. Spar<span class=\"_ _0\"></span>eBank 1 Ringe-<span class=\"_ _2cc\"> </span>rike Hadeland regnsk<span class=\"_ _0\"></span>apsf\u00f8rer alle egenkapitalinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di over r<span class=\"_ _0\"></span>esultat. Renter knyttet til derivater som sikrer fastrentefinansiering pr<span class=\"_ _0\"></span>esenteres under \u00abRentek<span class=\"_ _0\"></span>ostnader\u00bb sammen med rentekostnader fra sikringsobjektet. Renter knyttet til derivater hvor det ikke benyttes sikringsbokf\u00f8ring presenter<span class=\"_ _0\"></span>es under \u00abAndre renteinntekter\u00bb. V<span class=\"_ _1\"></span>erdiendring blir f\u00f8rt under \u00abNetto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer\u00bb.<span class=\"_ _2cc\"> </span>Sikringsbokf\u00f8ring<span class=\"_ _2cc\"> </span>Banken benytter virk<span class=\"_ _0\"></span>elig verdi sikring a<span class=\"_ _0\"></span>v sine fastren-<span class=\"_ _2cc\"> </span>teinnl\u00e5n for \u00e5 styre sin r<span class=\"_ _0\"></span>enterisiko. Bank<span class=\"_ _0\"></span>en vurderer og dokumenterer sikringens effektivitet, b\u00e5de ved f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs klassifisering og p\u00e5 l\u00f8pende basis i samsvar med IFRS 9. I sin sikringsaktivitet sikrer banken seg mot bevegelser i swap-r<span class=\"_ _0\"></span>enten. Endringer i kredittspread er derfor ikke hensyntatt i sikringseff<span class=\"_ _0\"></span>ektiviteten eller verdivur<span class=\"_ _0\"></span>deringen. V<span class=\"_ _0\"></span>ed virkelig ver<span class=\"_ _0\"></span>di sikring blir sik-<span class=\"_ _2cc\"> </span>ringsinstrumentet regnskapsf\u00f8rt til virkelig v<span class=\"_ _0\"></span>erdi og sikringsobjektet blir regnskapsf\u00f8rt til amortisert kost justert for endring i virkelig v<span class=\"_ _0\"></span>erdi av den sikr<span class=\"_ _0\"></span>ede risiko.<span class=\"_ _2cc\"> </span>Endringer i disse verdiene fra inng\u00e5ende balanse blir resultatf\u00f8rt<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span>Banken inng\u00e5r sikringsf<span class=\"_ _0\"></span>orretninger med anerkjente banker f<span class=\"_ _0\"></span>or \u00e5 redusere egen risik<span class=\"_ _0\"></span>o. Derivatforr<span class=\"_ _0\"></span>etninge-<span class=\"_ _2cc\"> </span>ne er knyttet til ordin\u00e6r bankvirksomhet og gjennom-<span class=\"_ _2cc\"> </span>f\u00f8res for \u00e5 r<span class=\"_ _0\"></span>edusere risiko knyttet til bank<span class=\"_ _0\"></span>ens innl\u00e5n i finansmarkedene og f<span class=\"_ _0\"></span>or \u00e5 avdekk<span class=\"_ _0\"></span>e og redusere risik<span class=\"_ _0\"></span>o relatert til kunderettede aktiviteter<span class=\"_ _1\"></span>. Kun sikringer knyt-<span class=\"_ _2cc\"> </span>tet til bankens innl\u00e5nsvirksomhet definer<span class=\"_ _0\"></span>es som \"virke-<span class=\"_ _2cc\"> </span>lig verdisikring\" i henhold til IFRS 9. Bank<span class=\"_ _0\"></span>en har ingen kontrakter som kvalifiserer f<span class=\"_ _0\"></span>or kontantstr\u00f8msikring.<span class=\"_ _2cc\"> </span>T<span class=\"_ _141\"></span>apsnedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span>Den generelle modellen for nedskrivninger a<span class=\"_ _0\"></span>v finansi-<span class=\"_ _2cc\"> </span>elle eiendeler i IFRS 9 vil gjelde for finansielle eiendeler som m\u00e5les til amortisert kost eller gjeldsinstrumenter til virkelig ver<span class=\"_ _0\"></span>di med verdiendringer o<span class=\"_ _0\"></span>ver OCI, og som ikke hadde inntrufne tap ved f\u00f8r<span class=\"_ _0\"></span>ste gangs balan-<span class=\"_ _2cc\"> </span>sef\u00f8ring. I tillegg er ogs\u00e5 l\u00e5netilsagn og finansielle garantikontrakter som ikk<span class=\"_ _0\"></span>e m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di over resultatet omfattet.<span class=\"_ _2cc\"> </span>M\u00e5lingen av a<span class=\"_ _0\"></span>vsetningen for f<span class=\"_ _0\"></span>orventet tap i den gene-<span class=\"_ _2cc\"> </span>relle modellen avhenger a<span class=\"_ _0\"></span>v om kredittrisik<span class=\"_ _0\"></span>oen har \u00f8kt vesentlig siden f\u00f8rste gangs balansef\u00f8ring. V<span class=\"_ _1\"></span>ed f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs balansef\u00f8ring og n\u00e5r kredittrisikoen ikk<span class=\"_ _0\"></span>e har \u00f8kt vesentlig etter f\u00f8rstegangs balansef\u00f8ring skal det avsettes f<span class=\"_ _0\"></span>or 12-m\u00e5neders forventet tap<span class=\"_ _0\"></span>. 12-m\u00e5neders forventet tap er det tapet som er f<span class=\"_ _0\"></span>orventet \u00e5 inntreffe over le<span class=\"_ _0\"></span>vetiden til instrumentet, men som kan knyttes til begivenheter som inntreff<span class=\"_ _0\"></span>er de f\u00f8rste 12 m\u00e5nedene. Hvis kredittrisikoen har \u00f8kt v<span class=\"_ _0\"></span>esentlig etter f\u00f8rstegangs innregning, skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over hele levetiden. F<span class=\"_ _0\"></span>orventet kredittap er beregnet basert p\u00e5 n\u00e5verdien a<span class=\"_ _0\"></span>v alle kontantstr\u00f8mmer ov<span class=\"_ _0\"></span>er gjenv\u00e6-<span class=\"_ _2cc\"> </span>rende forventet le<span class=\"_ _0\"></span>vetid, det vil si for<span class=\"_ _0\"></span>skjellen mellom de kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer i henhold til kontrakten og den k<span class=\"_ _0\"></span>ontantstr\u00f8mmen som banken forventer \u00e5 motta, disk<span class=\"_ _0\"></span>ontert med effektiv rente p\u00e5 instrumentet.<span class=\"_ _2cc\"> </span>N\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v bankens nedskrivningsmodell T<span class=\"_ _141\"></span>apsanslaget lages kvar<span class=\"_ _3\"></span>talsvis, og bygger p\u00e5 historikk over k<span class=\"_ _0\"></span>onto- og kundedata for hele kredittportef\u00f8ljen. T<span class=\"_ _141\"></span>apsestimatene blir beregnet basert p\u00e5 12 m\u00e5neders og livslang sannsynlighet for mislighold (pr<span class=\"_ _0\"></span>obability of default \u2013 PD), tap ved mislighold (loss giv<span class=\"_ _0\"></span>en default \u2013 L<span class=\"_ _0\"></span>GD) og eksponering ved mislighold (e<span class=\"_ _0\"></span>xposure at default \u2013 EAD). Banken har historikk f<span class=\"_ _0\"></span>or observert PD<span class=\"_ _2cc\"> </span>og observert L<span class=\"_ _0\"></span>GD, som danner grunnlag for estimater p\u00e5 fremtidige ver<span class=\"_ _0\"></span>dier for PD og L<span class=\"_ _1\"></span>GD. Bankens modell for beregning a<span class=\"_ _0\"></span>v forventet kr<span class=\"_ _0\"></span>edittap benytter ikke<span class=\"_ _2cc\"> </span><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gseb\">klimarelaterte data for \u00e5 ber<span class=\"_ _0\"></span>egne hvordan klimarisik<span class=\"_ _0\"></span>o </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsec\">p\u00e5virker st\u00f8rrelsen p\u00e5 f<span class=\"_ _0\"></span>orventede kredittap. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsed\">Modellen inneholder 3 ulike scenarier<span class=\"_ _1\"></span>, \u00abScenario 1\u00bb, </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsee\">\u00abScenario 2\u00bb og \u00abScenario 3\u00bb, og det beregnes et </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsef\">forventet tap (expected cr<span class=\"_ _0\"></span>edit loss \u2013 ECL) for hv<span class=\"_ _0\"></span>ert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf0\">scenario. ECL f<span class=\"_ _0\"></span>or en kombinasjon a<span class=\"_ _0\"></span>v de tre scenariene </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf1\">er et vektet gjennomsnitt for de tr<span class=\"_ _0\"></span>e scenariene, hvor </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf2\">\u00abScenario 1\u00bb, som i hovedsak baser<span class=\"_ _0\"></span>er seg p\u00e5 Norges </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf3\">Bank Pengepolitisk<span class=\"_ _0\"></span>e rapport og forventede \u00f8konomis-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf4\">ke utvikling, vektes med 80 %, \u00abScenario 2\u00bb og \u00abScena-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf5\">rio 3\u00bb vektes med 10 %. Se \u00abNote 3 \u2013 Kritiske estimater </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf6\">og vurderinger vedr\u00f8r<span class=\"_ _0\"></span>ende bruk av regnskapsprinsip-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf7\">per\u00bb for utfyllende inf<span class=\"_ _0\"></span>ormasjon om scenarioene.  </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf8\">I tr\u00e5d med IFRS 9 grupperer banken sine utl\u00e5n i tr<span class=\"_ _0\"></span>e </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsf9\">trinn:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc7 sc0 ls0 ws0 gsfa\">T<span class=\"_ _1\"></span>rinn 1: </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsfb\">Dette er startpunkt for alle finansielle eiendeler omfat-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsfc\">tet av den generelle tapsmodellen. Alle eiendeler som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsfd\">ikke har vesentlig h\u00f8y<span class=\"_ _0\"></span>ere kredittrisik<span class=\"_ _0\"></span>o enn ved f\u00f8rste-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsfe\">gangsinnregning f\u00e5r en av<span class=\"_ _0\"></span>setning for tap som tilsvarer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsff\">12 m\u00e5neders forventet tap<span class=\"_ _0\"></span>. I denne kategorien ligger </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs100\">alle eiendeler som ikke er ov<span class=\"_ _0\"></span>erf\u00f8rt til trinn 2 eller 3.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc7 sc0 ls0 ws0 gs101\">T<span class=\"_ _1\"></span>rinn 2: </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs102\">I trinn 2 i tapsmodellen er eiendeler som har hatt en </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs103\">vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs104\">regning, men hvor det ikk<span class=\"_ _0\"></span>e er objektive bevis p\u00e5 tap<span class=\"_ _0\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs105\">For disse eiendelene skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs106\">tap over le<span class=\"_ _0\"></span>vetiden. I denne gruppen finner vi eiendeler </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs107\">med vesentlig grad av kr<span class=\"_ _0\"></span>edittforverring, men som p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs108\">balansedato tilh\u00f8rer kunder som ikke er klassifisert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs109\">som kredittforringet. N\u00e5r det gjelder a<span class=\"_ _0\"></span>vgrensning mot </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs10a\">trinn 1, definerer banken v<span class=\"_ _0\"></span>esentlig grad av kredittf<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs10b\">verring ved \u00e5 ta utgangspunkt i hv<span class=\"_ _0\"></span>orvidt et engasje-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs10c\">ments beregnede PD har \u00f8kt vesentlig.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs10d\">F\u00f8lgende regler f<span class=\"_ _0\"></span>or kategorisering av trinn 2 gjelder: </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs10e\">\u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kontoen er i o<span class=\"_ _0\"></span>vertrekk </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs10f\">eller har restanse p\u00e5 30 dagers varighet eller mer<span class=\"_ _1\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs110\">\u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r den tilh\u00f8rer en kunde </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs111\">som har blitt satt til s\u00e6rlig oppf\u00f8lging. Kriteriene for </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs112\">dette fastsetter banken og k<span class=\"_ _0\"></span>ontoen settes i kategori </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs113\">2 manuelt. Kriteriene kan bl.a. v\u00e6re at kunden er p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs114\">watchlist. Det vil si at kunden har vesentlig forh\u00f8yet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs115\">risiko og bank<span class=\"_ _0\"></span>en vurderer at det er behov f<span class=\"_ _0\"></span>or tettere </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws10 gs116\">oppf\u00f8lging. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs117\">\u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kundens PD har \u00f8kt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs118\">med over 150 pr<span class=\"_ _0\"></span>osent til et niv\u00e5 over 0,60 prosent. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs119\">Endringen m\u00e5les ved \u00e5 sammenligne kundens PD </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs11a\">samme m\u00e5ned som kontoen ble innregnet (<span class=\"_ _0\"></span>\u00abPD_IB\u00bb<span class=\"_ _0\"></span>) </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs11b\">med kundens PD for m\u00e5neden det rapporteres p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws10 gs11c\">(\u00abPD_UB\u00bb<span class=\"_ _0\"></span>).<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs11d\">Dersom de kvantitative eller kvalitative f<span class=\"_ _0\"></span>orholdene </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs11e\">som medf\u00f8rte flytting til trinn 2 bedres tilstrekk<span class=\"_ _0\"></span>elig, </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs11f\">slik at de ikke lenger treff<span class=\"_ _0\"></span>er de nevnte kriterier<span class=\"_ _1\"></span>, vil </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs120\">engasjementet flyttes tilbake til trinn 1. </div><div class=\"t m0 h4 ff2 fs3 fc7 sc0 ls0 ws0 gs121\">T<span class=\"_ _1\"></span>rinn 3: </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs122\">I trinn 3 i tapsmodellen er eiendeler som har hatt en </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs123\">vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden innvilgelse og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs124\">hvor det er objektive be<span class=\"_ _0\"></span>vis p\u00e5 kreditttap som med-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs125\">f\u00f8rer redusert fremtidig k<span class=\"_ _0\"></span>ontantstr\u00f8m til betjening av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs126\">engasjementet. For disse eiendelene avsettes det f<span class=\"_ _0\"></span>or </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs127\">forventet tap ov<span class=\"_ _0\"></span>er levetiden. Bank<span class=\"_ _0\"></span>en har definert at </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs128\">det er objektive bevis f<span class=\"_ _0\"></span>or tap n\u00e5r et utl\u00e5n er i mislig-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs129\">hold (klasse J og K). Etter IFRS 9 skal tapsavsetningene </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12a\">innregnes basert p\u00e5 forventet kr<span class=\"_ _0\"></span>edittap (expected </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12b\">credit loss - ECL). Dersom det er objektiv<span class=\"_ _0\"></span>e bevis p\u00e5 at </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12c\">kredittap har inntruffet, beregnes st\u00f8rr<span class=\"_ _0\"></span>elsen p\u00e5 tapet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12d\">til differansen mellom eiendelens bokf\u00f8rte ver<span class=\"_ _0\"></span>di og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12e\">n\u00e5verdien a<span class=\"_ _0\"></span>v estimerte fremtidige kontantstr\u00f8mmer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs12f\">diskontert med den finansielle eiendelens opprinneli-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs130\">ge effektive r<span class=\"_ _0\"></span>entesats.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs131\">Kredittapet m\u00e5 v\u00e6re et r<span class=\"_ _0\"></span>esultat av en eller flere hen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs132\">delser inntruffet etter f\u00f8rste gangs innr<span class=\"_ _0\"></span>egning (taps-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs133\">hendelse) og resultatet av tapshendelsen m\u00e5 ogs\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs134\">kunne m\u00e5les p\u00e5litelig. Objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs135\">omfatter observerbare data som blir kjent f<span class=\"_ _0\"></span>or konser-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs136\">net om f\u00f8lgende tapshendelser:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs137\">\u2022 V<span class=\"_ _0\"></span>esentlige finansielle vanskeligheter hos utsteder </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs138\">eller l\u00e5ntaker<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs139\">\u2022 <span class=\"_ _2\"></span>Ikke uvesentlig mislighold a<span class=\"_ _0\"></span>v kontrakt, som manglen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13a\">de betaling av a<span class=\"_ _0\"></span>vdrag og renter<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13b\">\u2022 <span class=\"_ _2\"></span>Konsernet innvilger l\u00e5ntak<span class=\"_ _0\"></span>er spesielle betingelser </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13c\">med bakgrunn i \u00f8k<span class=\"_ _0\"></span>onomiske eller legale grunner </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13d\">knyttet til l\u00e5ntakers \u00f8k<span class=\"_ _0\"></span>onomiske situasjon<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13e\">\u2022 <span class=\"_ _2\"></span>Sannsynlighet for at skyldner vil inng\u00e5 gjeldsf<span class=\"_ _0\"></span>orhand-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs13f\">linger eller andre finansielle reor<span class=\"_ _0\"></span>ganiseringer<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs140\">\u2022 <span class=\"_ _2\"></span>P\u00e5 grunn av finansielle problemer opph\u00f8r<span class=\"_ _0\"></span>er de akti-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs141\">ve markedene f<span class=\"_ _0\"></span>or den finansielle eiendelen<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs142\">\u2022 <span class=\"_ _2\"></span>Kunder med mer enn 90 dagers betalingsmislighold </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs143\">vil alltid flyttes til trinn 3<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs144\">Konsernet vur<span class=\"_ _0\"></span>derer f\u00f8rst om det eksisterer individuelle </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs145\">objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap for finansielle eiendeler </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs146\">som er individuelt signifikante. Bokf\u00f8rt verdi a<span class=\"_ _0\"></span>v eiende-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs147\">len reduseres v<span class=\"_ _0\"></span>ed bruk av en nedskrivningskonto og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs148\">tapet innregnes i resultatr<span class=\"_ _0\"></span>egnskapet. En kunde som er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs149\">klassifisert som misligholdt, og f\u00f8lgelig ligger i katego-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs14a\">ri 3 skal ha 3 eller 12 m\u00e5neders karensperiode etter at </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs14b\">misligholdet er gjort opp avhengig av hv<span class=\"_ _0\"></span>orvidt det er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs14c\">gitt betalingslettelser<span class=\"_ _1\"></span>, f\u00f8r kunden g\u00e5r inn i en pr\u00f8vepe-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs14d\">riode p\u00e5 12 eller 24 m\u00e5neder<span class=\"_ _1\"></span>. </div><div class=\"t m0 h10 ff7 fs3 fc7 sc0 ls0 ws0 gs14e\">Misligholdte engasjement<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs14f\">Samlet engasjement fra en kunde regnes som mislig-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs150\">holdt og tas med i bankens ov<span class=\"_ _0\"></span>ersikt over misligholdte </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs151\">engasjementer n\u00e5r forfalte av<span class=\"_ _0\"></span>drag eller renter ikke er<span class=\"_ _2cc\"> </span> </div>betalt innen 90 dager etter forfall eller rammekreditter er overtrukk<span class=\"_ _0\"></span>et i 90 dager eller mer<span class=\"_ _1\"></span>. I tillegg kommer ut-<span class=\"_ _2cc\"> </span>l\u00e5n og andre engasjementer som ikke er betalings-mis-<span class=\"_ _2cc\"> </span>ligholdte over 90 dager<span class=\"_ _141\"></span>, men hvor kundens \u00f8konomis<span class=\"_ _2cc\"> </span><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs153\">ke situasjon gj\u00f8r det sannsynlig at bank<span class=\"_ _0\"></span>en vil bli p\u00e5f\u00f8rt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs154\">tap. Engasjementer som anses \u00e5 ha underliggende </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs155\">verdier med pant i boliger som dekk<span class=\"_ _0\"></span>er engasjementet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs156\">fullt ut nedskrives ikke. Misligholdte engasjement vil </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs157\">ligge i trinn 3 i tapsmodellen. </div><div class=\"t m0 h10 ff7 fs3 fc7 sc0 ls0 ws0 gs158\">Forbearance-merkede engasjement<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs159\">Forbearance er definert som endringer i tidligere a<span class=\"_ _0\"></span>vtalt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs15a\">renteniv\u00e5, betingelser eller nedbetalingsplan for kunder </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs15b\">i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter<span class=\"_ _1\"></span>, som banken ikke ville gitt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs15c\">til en kunde som ikke var i \u00f8k<span class=\"_ _0\"></span>onomisk vanskeligheter<span class=\"_ _1\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs15d\">Engasjementer skal forbearance-merk<span class=\"_ _0\"></span>es, forutsatt at </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs15e\">kunden er i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter dersom det </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs15f\">innvilges lettelser slik beskrev<span class=\"_ _0\"></span>et over<span class=\"_ _1\"></span>. Forbearance-mer<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs160\">kede kunder vil ligge i kategori 2. </div><div class=\"t m0 h10 ff7 fs3 fc7 sc0 ls0 ws0 gs161\">Konstaterte tap<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs162\">Konstatering a<span class=\"_ _0\"></span>v tap (fraregning av balansef\u00f8rt v<span class=\"_ _0\"></span>erdi) </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs163\">foretas n\u00e5r bank<span class=\"_ _0\"></span>en ikke har rimelige f<span class=\"_ _0\"></span>orventninger om </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs164\">\u00e5 gjenvinne et engasjement i sin helhet eller en del av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs165\">den. Kriterier n\u00e5r dette skal gj\u00f8res er blant annet:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs166\">\u00b7 Avsluttet k<span class=\"_ _0\"></span>onkurs i selskaper med begrenset ans<span class=\"_ _0\"></span>var<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs167\">\u00b7 Stadfestet akk<span class=\"_ _0\"></span>ord/gjeldsforhandlinger<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs168\">\u00b7 Avvikling for \u00f8vrige selsk<span class=\"_ _0\"></span>aper med begrenset ansvar<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs169\">\u00b7 Avsluttet bo v<span class=\"_ _0\"></span>ed d\u00f8dsfall<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16a\">\u00b7 V<span class=\"_ _0\"></span>ed rettskraftig dom<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16b\">\u00b7 Sikkerheter er realisert<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16c\">Engasjementet vil normalt legges p\u00e5 langstidsoverv\u00e5k-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16d\">ning i tilfelle debitor igjen skulle bli s\u00f8k<span class=\"_ _0\"></span>egod. Innbe-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16e\">talinger p\u00e5 tidligere konstaterte l\u00e5n framg\u00e5r a<span class=\"_ _0\"></span>v note </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16f\">10 og presenteres under \u00ab<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier\u00bb i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs170\">resultatregnskapet. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-714": {
   "value": "Finansielle eiendeler som er gjeldsinstrumenter<span class=\"_ _2cc\"> </span>Gjeldsinstrumenter med kontraktf<span class=\"_ _0\"></span>estede kontant-<span class=\"_ _2cc\"> </span>str\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med form\u00e5l \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kontantstr\u00f8m-<span class=\"_ _2cc\"> </span>mer skal i utgangspunktet m\u00e5les til amortisert kost. Instrumenter med kontraktf<span class=\"_ _0\"></span>estede kontantstr\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte datoer og som holdes i en forretningsmodell med f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>m\u00e5l b\u00e5de \u00e5 motta kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer og salg, skal i utgangspunktet m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver OCI, med renteinntekt, va-<span class=\"_ _2cc\"> </span>lutaomregningseffekter og e<span class=\"_ _0\"></span>ventuelle nedskrivninger presentert i det ordin\u00e6re r<span class=\"_ _0\"></span>esultatet. V<span class=\"_ _0\"></span>erdiendringer f\u00f8rt over OCI skal r<span class=\"_ _0\"></span>eklassifiseres til resultatet ved salg eller annen avhendelse a<span class=\"_ _0\"></span>v eiendelene. Banken benytter seg a<span class=\"_ _0\"></span>v SpareBank 1 Boligkreditt AS som finansieringsverkt\u00f8y (se Note 9 f<span class=\"_ _0\"></span>or \u00f8vrig beskri-<span class=\"_ _2cc\"> </span>velse). Banken o<span class=\"_ _0\"></span>verf\u00f8rer bare deler a<span class=\"_ _0\"></span>v de utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring til boligkredittselskapet. Utl\u00e5n som inng\u00e5r i forretningsmodeller (portef\u00f8ljer) med utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring kan derfor sies \u00e5 holdes b\u00e5de for \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kon-<span class=\"_ _2cc\"> </span>tantstr\u00f8mmer og for salg, en f<span class=\"_ _0\"></span>orretningsmodell som er konsistent med m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi med ver<span class=\"_ _0\"></span>di-<span class=\"_ _2cc\"> </span>endringer over OCI i b\u00e5de morbank<span class=\"_ _0\"></span>ens og konsernets resultat. Ut fra en vurdering av betingelser f<span class=\"_ _0\"></span>or utl\u00e5n til per-<span class=\"_ _2cc\"> </span>son- og bedriftsmarkedskunder<span class=\"_ _1\"></span>, er det derfor kon-<span class=\"_ _2cc\"> </span>kludert med at hele PM-portef\u00f8ljen, med unntak av fastrenteutl\u00e5n, klassifiseres til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi<span class=\"_ _2cc\"> </span>over OCI. BM-utl\u00e5n, som ikk<span class=\"_ _0\"></span>e er fastrenteutl\u00e5n, m\u00e5les til amortisert kost. Kontanter og f<span class=\"_ _0\"></span>ordringer<span class=\"_ _2cc\"> </span>p\u00e5 sentral-<span class=\"_ _2cc\"> </span>banker samt utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjo-<span class=\"_ _2cc\"> </span>ner m\u00e5les ogs\u00e5 til amortisert kost.<span class=\"_ _2cc\"> </span>\u00d8vrige gjeldsinstrumenter skal m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi med verdiendring o<span class=\"_ _0\"></span>ver resultatet. Dette gjelder instrumenter med kontantstr\u00f8mmer som ikk<span class=\"_ _0\"></span>e bare er betaling av normal rente (tids<span class=\"_ _0\"></span>verdi a<span class=\"_ _0\"></span>v penger<span class=\"_ _1\"></span>, kreditt-<span class=\"_ _2cc\"> </span>margin og andre normale mar<span class=\"_ _0\"></span>giner knyttet til utl\u00e5n og fordringer) og ho<span class=\"_ _0\"></span>vedstol, og instrumenter som holdes i en forretningsmodell hv<span class=\"_ _0\"></span>or form\u00e5let i hov<span class=\"_ _0\"></span>edsak ikke er mottak av k<span class=\"_ _0\"></span>ontraktfestede kontantstr\u00f8mmer<span class=\"_ _141\"></span>. Bankens investeringer i sertifikater og obligasjoner m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultat p\u00e5 grunn av bank<span class=\"_ _0\"></span>ens forretningsmodell. Instrumenter som i utgangspunktet skal m\u00e5les til amortisert kost eller til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver OCI kan m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultatet dersom dette eliminerer eller reduser<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, med vesentlig grad, et regnskapsmessig misf<span class=\"_ _0\"></span>orhold. Instrumenter som i utgangspunktet skal m\u00e5les til amor-<span class=\"_ _2cc\"> </span>tisert kost eller til virkelig v<span class=\"_ _0\"></span>erdi med ver<span class=\"_ _0\"></span>diendringer over OCI kan utpek<span class=\"_ _0\"></span>es til m\u00e5ling til virkelig v<span class=\"_ _0\"></span>erdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet dersom dette elimine-<span class=\"_ _2cc\"> </span>rer eller vesentlig r<span class=\"_ _0\"></span>eduserer et regnskapsmessig mis-<span class=\"_ _2cc\"> </span>forhold. Som f\u00f8lge a<span class=\"_ _0\"></span>v at vurdering av fastr<span class=\"_ _0\"></span>enteutl\u00e5n til amortisert kost ville medf\u00f8rt et regnskapsmessig misforhold grunnet regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av sikringsinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di, har SpareBank 1 Ringerike Ha-<span class=\"_ _2cc\"> </span>deland valgt \u00e5 m\u00e5le alle fastrenteutl\u00e5n til virk<span class=\"_ _0\"></span>elig verdi med verdiendringer o<span class=\"_ _0\"></span>ver resultatet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-737": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs93\">Gjeldsinstrumenter med kontraktf<span class=\"_ _0\"></span>estede kontant-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs94\">str\u00f8mmer som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs95\">p\u00e5 gitte datoer og som holdes i en forretningsmodell </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs96\">med form\u00e5l \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kontantstr\u00f8m-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs97\">mer skal i utgangspunktet m\u00e5les til amortisert kost. </div>BM-utl\u00e5n, som ikk<span class=\"_ _0\"></span>e er fastrenteutl\u00e5n, m\u00e5les til amortisert kost. Kontanter og f<span class=\"_ _0\"></span>ordringer<span class=\"_ _2cc\"> </span>banker samt utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjo-<span class=\"_ _2cc\"> </span>ner m\u00e5les ogs\u00e5 til amortisert kost<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse5\">sikringsobjektet blir regnskapsf\u00f8rt til amortisert kost </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs91\">justert for endring i virkelig v<span class=\"_ _0\"></span>erdi av den sikr<span class=\"_ _0\"></span>ede risiko.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHeldtomaturityInvestmentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-747": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs99\">Instrumenter med kontraktf<span class=\"_ _0\"></span>estede kontantstr\u00f8mmer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs9a\">som bare er betaling av r<span class=\"_ _0\"></span>ente og hovedstol p\u00e5 gitte </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs9b\">datoer og som holdes i en forretningsmodell med f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs9c\">m\u00e5l b\u00e5de \u00e5 motta kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs9d\">og salg, skal i utgangspunktet m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs9e\">med verdiendringer o<span class=\"_ _0\"></span>ver OCI, med renteinntekt, va-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs9f\">lutaomregningseffekter og e<span class=\"_ _0\"></span>ventuelle nedskrivninger </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa0\">presentert i det ordin\u00e6re r<span class=\"_ _0\"></span>esultatet. V<span class=\"_ _0\"></span>erdiendringer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa1\">f\u00f8rt over OCI skal r<span class=\"_ _0\"></span>eklassifiseres til resultatet ved salg </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa2\">eller annen avhendelse a<span class=\"_ _0\"></span>v eiendelene. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa3\">Banken benytter seg a<span class=\"_ _0\"></span>v SpareBank 1 Boligkreditt AS </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa4\">som finansieringsverkt\u00f8y (se Note 9 f<span class=\"_ _0\"></span>or \u00f8vrig beskri-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa5\">velse). Banken o<span class=\"_ _0\"></span>verf\u00f8rer bare deler a<span class=\"_ _0\"></span>v de utl\u00e5n som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa6\">kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring til boligkredittselskapet. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa7\">Utl\u00e5n som inng\u00e5r i forretningsmodeller (portef\u00f8ljer) </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa8\">med utl\u00e5n som kvalifiserer for o<span class=\"_ _0\"></span>verf\u00f8ring kan derfor </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsa9\">sies \u00e5 holdes b\u00e5de for \u00e5 motta k<span class=\"_ _0\"></span>ontraktsmessige kon-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsaa\">tantstr\u00f8mmer og for salg, en f<span class=\"_ _0\"></span>orretningsmodell som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsab\">er konsistent med m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi med ver<span class=\"_ _0\"></span>di-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsac\">endringer over OCI i b\u00e5de morbank<span class=\"_ _0\"></span>ens og konsernets </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsad\">resultat. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsae\">Ut fra en vurdering av betingelser f<span class=\"_ _0\"></span>or utl\u00e5n til per-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsaf\">son- og bedriftsmarkedskunder<span class=\"_ _1\"></span>, er det derfor kon-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb0\">kludert med at hele PM-portef\u00f8ljen, med unntak av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb1\">fastrenteutl\u00e5n, klassifiseres til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi<span class=\"_ _2cc\"> </span> </div>over OCI. BM-utl\u00e5n, som ikk<span class=\"_ _0\"></span>e er fastrenteutl\u00e5n, m\u00e5les til amortisert kost. Kontanter og f<span class=\"_ _0\"></span>ordringer<span class=\"_ _2cc\"> </span><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb3\">banker samt utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjo-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb4\">ner m\u00e5les ogs\u00e5 til amortisert kost.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForAvailableforsaleFinancialAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-738": {
   "value": "V<span class=\"_ _0\"></span>erdiendringer f\u00f8rt over OCI skal r<span class=\"_ _0\"></span>eklassifiseres til resultatet ved salg eller annen avhendelse a<span class=\"_ _0\"></span>v eiendelene.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-739": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb6\">\u00d8vrige gjeldsinstrumenter skal m\u00e5les til virkelig v<span class=\"_ _0\"></span>erdi </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb7\">med verdiendring o<span class=\"_ _0\"></span>ver resultatet. Dette gjelder </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb8\">instrumenter med kontantstr\u00f8mmer som ikk<span class=\"_ _0\"></span>e bare er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsb9\">betaling av normal rente (tids<span class=\"_ _0\"></span>verdi a<span class=\"_ _0\"></span>v penger<span class=\"_ _1\"></span>, kreditt-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsbb\">margin og andre normale mar<span class=\"_ _0\"></span>giner knyttet til utl\u00e5n og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsbc\">fordringer) og ho<span class=\"_ _0\"></span>vedstol, og instrumenter som holdes </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsbd\">i en forretningsmodell hv<span class=\"_ _0\"></span>or form\u00e5let i hov<span class=\"_ _0\"></span>edsak ikke er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsbe\">mottak av k<span class=\"_ _0\"></span>ontraktfestede kontantstr\u00f8mmer<span class=\"_ _141\"></span>. Bankens </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsbf\">investeringer i sertifikater og obligasjoner m\u00e5les til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc0\">virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultat p\u00e5 grunn </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc1\">av bank<span class=\"_ _0\"></span>ens forretningsmodell. Instrumenter som i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc2\">utgangspunktet skal m\u00e5les til amortisert kost eller til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc3\">virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver OCI kan m\u00e5les til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws2 gsc4\">virkelig ver<span class=\"_ _0\"></span>di med verdiendring o<span class=\"_ _0\"></span>ver resultatet dersom </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc5\">dette eliminerer eller reduser<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>, med vesentlig grad, </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc6\">et regnskapsmessig misf<span class=\"_ _0\"></span>orhold. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc7\">Instrumenter som i utgangspunktet skal m\u00e5les til amor-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc8\">tisert kost eller til virkelig v<span class=\"_ _0\"></span>erdi med ver<span class=\"_ _0\"></span>diendringer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc9\">over OCI kan utpek<span class=\"_ _0\"></span>es til m\u00e5ling til virkelig v<span class=\"_ _0\"></span>erdi med </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsca\">verdiendringer o<span class=\"_ _0\"></span>ver resultatet dersom dette elimine-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gscb\">rer eller vesentlig r<span class=\"_ _0\"></span>eduserer et regnskapsmessig mis-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gscc\">forhold. Som f\u00f8lge a<span class=\"_ _0\"></span>v at vurdering av fastr<span class=\"_ _0\"></span>enteutl\u00e5n </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gscd\">til amortisert kost ville medf\u00f8rt et regnskapsmessig </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gscf\">misforhold grunnet regnsk<span class=\"_ _0\"></span>apsf\u00f8ring av sikringsinstru-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd0\">menter til virkelig ver<span class=\"_ _0\"></span>di, har SpareBank 1 Ringerike Ha-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd1\">deland valgt \u00e5 m\u00e5le alle fastrenteutl\u00e5n til virk<span class=\"_ _0\"></span>elig verdi </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd2\">med verdiendringer o<span class=\"_ _0\"></span>ver resultatet. </div><div class=\"t m0 h10 ff7 fs3 fc7 sc0 ls0 ws0 gsd3\">Derivater og investeringer i egenkapitalinstrumenter<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd4\">Alle derivater skal i utgangspunktet m\u00e5les til virkelig </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd5\">verdi med v<span class=\"_ _0\"></span>erdiendring over r<span class=\"_ _0\"></span>esultatet, men derivater </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd6\">som er utpekt som sikringsinstrumenter skal regn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd7\">skapsf\u00f8res i tr\u00e5d med prinsippene f<span class=\"_ _0\"></span>or sikringsbokf\u00f8-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 wse gsd8\">ring.<span class=\"_ _2cc\"> </span> Investeringer i egenkapitalinstrumenter skal m\u00e5les </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsd9\">i balansen til virkelig ver<span class=\"_ _0\"></span>di med mindre man oppfyller </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsda\">kravene til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver OCI og velger </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsdb\">dette ved f\u00f8rste gangs innregning. Spar<span class=\"_ _0\"></span>eBank 1 Ringe-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsdc\">rike Hadeland regnsk<span class=\"_ _0\"></span>apsf\u00f8rer alle egenkapitalinstru-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsdd\">menter til virkelig ver<span class=\"_ _0\"></span>di over r<span class=\"_ _0\"></span>esultat. Renter knyttet til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsde\">derivater som sikrer fastrentefinansiering pr<span class=\"_ _0\"></span>esenteres </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsdf\">under \u00abRentek<span class=\"_ _0\"></span>ostnader\u00bb sammen med rentekostnader </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse0\">fra sikringsobjektet. Renter knyttet til derivater hvor </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse1\">det ikke benyttes sikringsbokf\u00f8ring presenter<span class=\"_ _0\"></span>es under </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse2\">\u00abAndre renteinntekter\u00bb. V<span class=\"_ _1\"></span>erdiendring blir f\u00f8rt under </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse3\">\u00abNetto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer\u00bb.<span class=\"_ _2cc\"> </span></div>V<span class=\"_ _0\"></span>ed virkelig ver<span class=\"_ _0\"></span>di sikring blir sik-<span class=\"_ _2cc\"> </span>ringsinstrumentet regnskapsf\u00f8rt til virkelig v<span class=\"_ _0\"></span>erdi ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-716": {
   "value": "Alle derivater skal i utgangspunktet m\u00e5les til virkelig verdi med v<span class=\"_ _0\"></span>erdiendring over r<span class=\"_ _0\"></span>esultatet, men derivater som er utpekt som sikringsinstrumenter skal regn-<span class=\"_ _2cc\"> </span>skapsf\u00f8res i tr\u00e5d med prinsippene f<span class=\"_ _0\"></span>or sikringsbokf\u00f8-<span class=\"_ _2cc\"> </span>ring.<span class=\"_ _2cc\"> </span>Renter knyttet til derivater hvor det ikke benyttes sikringsbokf\u00f8ring presenter<span class=\"_ _0\"></span>es under \u00abAndre renteinntekter\u00bb.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-717": {
   "value": "Investeringer i egenkapitalinstrumenter skal m\u00e5les i balansen til virkelig ver<span class=\"_ _0\"></span>di med mindre man oppfyller kravene til m\u00e5ling til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver OCI og velger dette ved f\u00f8rste gangs innregning. Spar<span class=\"_ _0\"></span>eBank 1 Ringe-<span class=\"_ _2cc\"> </span>rike Hadeland regnsk<span class=\"_ _0\"></span>apsf\u00f8rer alle egenkapitalinstru-<span class=\"_ _2cc\"> </span>menter til virkelig ver<span class=\"_ _0\"></span>di over r<span class=\"_ _0\"></span>esultat. Renter knyttet til derivater som sikrer fastrentefinansiering pr<span class=\"_ _0\"></span>esenteres under \u00abRentek<span class=\"_ _0\"></span>ostnader\u00bb sammen med rentekostnader fra sikringsobjektet.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-671": {
   "value": "Sikringsbokf\u00f8ring<span class=\"_ _2cc\"> </span>Banken benytter virk<span class=\"_ _0\"></span>elig verdi sikring a<span class=\"_ _0\"></span>v sine fastren-<span class=\"_ _2cc\"> </span>teinnl\u00e5n for \u00e5 styre sin r<span class=\"_ _0\"></span>enterisiko. Bank<span class=\"_ _0\"></span>en vurderer og dokumenterer sikringens effektivitet, b\u00e5de ved f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs klassifisering og p\u00e5 l\u00f8pende basis i samsvar med IFRS 9. I sin sikringsaktivitet sikrer banken seg mot bevegelser i swap-r<span class=\"_ _0\"></span>enten. Endringer i kredittspread er derfor ikke hensyntatt i sikringseff<span class=\"_ _0\"></span>ektiviteten eller verdivur<span class=\"_ _0\"></span>deringen. V<span class=\"_ _0\"></span>ed virkelig ver<span class=\"_ _0\"></span>di sikring blir sik-<span class=\"_ _2cc\"> </span>ringsinstrumentet regnskapsf\u00f8rt til virkelig v<span class=\"_ _0\"></span>erdi og sikringsobjektet blir regnskapsf\u00f8rt til amortisert kost justert for endring i virkelig v<span class=\"_ _0\"></span>erdi av den sikr<span class=\"_ _0\"></span>ede risiko.<span class=\"_ _2cc\"> </span>Endringer i disse verdiene fra inng\u00e5ende balanse blir resultatf\u00f8rt<span class=\"_ _2cc\"> </span>Banken inng\u00e5r sikringsf<span class=\"_ _0\"></span>orretninger med anerkjente banker f<span class=\"_ _0\"></span>or \u00e5 redusere egen risik<span class=\"_ _0\"></span>o. Derivatforr<span class=\"_ _0\"></span>etninge-<span class=\"_ _2cc\"> </span>ne er knyttet til ordin\u00e6r bankvirksomhet og gjennom-<span class=\"_ _2cc\"> </span>f\u00f8res for \u00e5 r<span class=\"_ _0\"></span>edusere risiko knyttet til bank<span class=\"_ _0\"></span>ens innl\u00e5n i finansmarkedene og f<span class=\"_ _0\"></span>or \u00e5 avdekk<span class=\"_ _0\"></span>e og redusere risik<span class=\"_ _0\"></span>o relatert til kunderettede aktiviteter<span class=\"_ _1\"></span>. Kun sikringer knyt-<span class=\"_ _2cc\"> </span>tet til bankens innl\u00e5nsvirksomhet definer<span class=\"_ _0\"></span>es som \"virke-<span class=\"_ _2cc\"> </span>lig verdisikring\" i henhold til IFRS 9. Bank<span class=\"_ _0\"></span>en har ingen kontrakter som kvalifiserer f<span class=\"_ _0\"></span>or kontantstr\u00f8msikring",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-718": {
   "value": "V<span class=\"_ _0\"></span>ed virkelig ver<span class=\"_ _0\"></span>di sikring blir sik-<span class=\"_ _2cc\"> </span>ringsinstrumentet regnskapsf\u00f8rt til virkelig v<span class=\"_ _0\"></span>erdi og sikringsobjektet blir regnskapsf\u00f8rt til amortisert kost justert for endring i virkelig v<span class=\"_ _0\"></span>erdi av den sikr<span class=\"_ _0\"></span>ede risiko.<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-672": {
   "value": "T<span class=\"_ _141\"></span>apsnedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span>Den generelle modellen for nedskrivninger a<span class=\"_ _0\"></span>v finansi-<span class=\"_ _2cc\"> </span>elle eiendeler i IFRS 9 vil gjelde for finansielle eiendeler som m\u00e5les til amortisert kost eller gjeldsinstrumenter til virkelig ver<span class=\"_ _0\"></span>di med verdiendringer o<span class=\"_ _0\"></span>ver OCI, og som ikke hadde inntrufne tap ved f\u00f8r<span class=\"_ _0\"></span>ste gangs balan-<span class=\"_ _2cc\"> </span>sef\u00f8ring. I tillegg er ogs\u00e5 l\u00e5netilsagn og finansielle garantikontrakter som ikk<span class=\"_ _0\"></span>e m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di over resultatet omfattet.<span class=\"_ _2cc\"> </span>M\u00e5lingen av a<span class=\"_ _0\"></span>vsetningen for f<span class=\"_ _0\"></span>orventet tap i den gene-<span class=\"_ _2cc\"> </span>relle modellen avhenger a<span class=\"_ _0\"></span>v om kredittrisik<span class=\"_ _0\"></span>oen har \u00f8kt vesentlig siden f\u00f8rste gangs balansef\u00f8ring. V<span class=\"_ _1\"></span>ed f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs balansef\u00f8ring og n\u00e5r kredittrisikoen ikk<span class=\"_ _0\"></span>e har \u00f8kt vesentlig etter f\u00f8rstegangs balansef\u00f8ring skal det avsettes f<span class=\"_ _0\"></span>or 12-m\u00e5neders forventet tap<span class=\"_ _0\"></span>. 12-m\u00e5neders forventet tap er det tapet som er f<span class=\"_ _0\"></span>orventet \u00e5 inntreffe over le<span class=\"_ _0\"></span>vetiden til instrumentet, men som kan knyttes til begivenheter som inntreff<span class=\"_ _0\"></span>er de f\u00f8rste 12 m\u00e5nedene. Hvis kredittrisikoen har \u00f8kt v<span class=\"_ _0\"></span>esentlig etter f\u00f8rstegangs innregning, skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over hele levetiden. F<span class=\"_ _0\"></span>orventet kredittap er beregnet basert p\u00e5 n\u00e5verdien a<span class=\"_ _0\"></span>v alle kontantstr\u00f8mmer ov<span class=\"_ _0\"></span>er gjenv\u00e6-<span class=\"_ _2cc\"> </span>rende forventet le<span class=\"_ _0\"></span>vetid, det vil si for<span class=\"_ _0\"></span>skjellen mellom de kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer i henhold til kontrakten og den k<span class=\"_ _0\"></span>ontantstr\u00f8mmen som banken forventer \u00e5 motta, disk<span class=\"_ _0\"></span>ontert med effektiv rente p\u00e5 instrumentet.<span class=\"_ _2cc\"> </span>N\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v bankens nedskrivningsmodell T<span class=\"_ _141\"></span>apsanslaget lages kvar<span class=\"_ _3\"></span>talsvis, og bygger p\u00e5 historikk over k<span class=\"_ _0\"></span>onto- og kundedata for hele kredittportef\u00f8ljen. T<span class=\"_ _141\"></span>apsestimatene blir beregnet basert p\u00e5 12 m\u00e5neders og livslang sannsynlighet for mislighold (pr<span class=\"_ _0\"></span>obability of default \u2013 PD), tap ved mislighold (loss giv<span class=\"_ _0\"></span>en default \u2013 L<span class=\"_ _0\"></span>GD) og eksponering ved mislighold (e<span class=\"_ _0\"></span>xposure at default \u2013 EAD). Banken har historikk f<span class=\"_ _0\"></span>or observert PD<span class=\"_ _2cc\"> </span><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse7\">og observert L<span class=\"_ _0\"></span>GD, som danner grunnlag for estimater </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse8\">p\u00e5 fremtidige ver<span class=\"_ _0\"></span>dier for PD og L<span class=\"_ _1\"></span>GD. Bankens modell </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gse9\">for beregning a<span class=\"_ _0\"></span>v forventet kr<span class=\"_ _0\"></span>edittap benytter ikke<span class=\"_ _2cc\"> </span> </div>klimarelaterte data for \u00e5 ber<span class=\"_ _0\"></span>egne hvordan klimarisik<span class=\"_ _0\"></span>o p\u00e5virker st\u00f8rrelsen p\u00e5 f<span class=\"_ _0\"></span>orventede kredittap. Modellen inneholder 3 ulike scenarier<span class=\"_ _1\"></span>, \u00abScenario 1\u00bb, \u00abScenario 2\u00bb og \u00abScenario 3\u00bb, og det beregnes et forventet tap (expected cr<span class=\"_ _0\"></span>edit loss \u2013 ECL) for hv<span class=\"_ _0\"></span>ert scenario. ECL f<span class=\"_ _0\"></span>or en kombinasjon a<span class=\"_ _0\"></span>v de tre scenariene er et vektet gjennomsnitt for de tr<span class=\"_ _0\"></span>e scenariene, hvor \u00abScenario 1\u00bb, som i hovedsak baser<span class=\"_ _0\"></span>er seg p\u00e5 Norges Bank Pengepolitisk<span class=\"_ _0\"></span>e rapport og forventede \u00f8konomis-<span class=\"_ _2cc\"> </span>ke utvikling, vektes med 80 %, \u00abScenario 2\u00bb og \u00abScena-<span class=\"_ _2cc\"> </span>rio 3\u00bb vektes med 10 %. Se \u00abNote 3 \u2013 Kritiske estimater og vurderinger vedr\u00f8r<span class=\"_ _0\"></span>ende bruk av regnskapsprinsip-<span class=\"_ _2cc\"> </span>per\u00bb for utfyllende inf<span class=\"_ _0\"></span>ormasjon om scenarioene.  I tr\u00e5d med IFRS 9 grupperer banken sine utl\u00e5n i tr<span class=\"_ _0\"></span>e trinn:<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>rinn 1: Dette er startpunkt for alle finansielle eiendeler omfat-<span class=\"_ _2cc\"> </span>tet av den generelle tapsmodellen. Alle eiendeler som ikke har vesentlig h\u00f8y<span class=\"_ _0\"></span>ere kredittrisik<span class=\"_ _0\"></span>o enn ved f\u00f8rste-<span class=\"_ _2cc\"> </span>gangsinnregning f\u00e5r en av<span class=\"_ _0\"></span>setning for tap som tilsvarer 12 m\u00e5neders forventet tap<span class=\"_ _0\"></span>. I denne kategorien ligger alle eiendeler som ikke er ov<span class=\"_ _0\"></span>erf\u00f8rt til trinn 2 eller 3.<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>rinn 2: I trinn 2 i tapsmodellen er eiendeler som har hatt en vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinn-<span class=\"_ _2cc\"> </span>regning, men hvor det ikk<span class=\"_ _0\"></span>e er objektive bevis p\u00e5 tap<span class=\"_ _0\"></span>. For disse eiendelene skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over le<span class=\"_ _0\"></span>vetiden. I denne gruppen finner vi eiendeler med vesentlig grad av kr<span class=\"_ _0\"></span>edittforverring, men som p\u00e5 balansedato tilh\u00f8rer kunder som ikke er klassifisert som kredittforringet. N\u00e5r det gjelder a<span class=\"_ _0\"></span>vgrensning mot trinn 1, definerer banken v<span class=\"_ _0\"></span>esentlig grad av kredittf<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>verring ved \u00e5 ta utgangspunkt i hv<span class=\"_ _0\"></span>orvidt et engasje-<span class=\"_ _2cc\"> </span>ments beregnede PD har \u00f8kt vesentlig.<span class=\"_ _2cc\"> </span>F\u00f8lgende regler f<span class=\"_ _0\"></span>or kategorisering av trinn 2 gjelder: \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kontoen er i o<span class=\"_ _0\"></span>vertrekk eller har restanse p\u00e5 30 dagers varighet eller mer<span class=\"_ _1\"></span>. \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r den tilh\u00f8rer en kunde som har blitt satt til s\u00e6rlig oppf\u00f8lging. Kriteriene for dette fastsetter banken og k<span class=\"_ _0\"></span>ontoen settes i kategori 2 manuelt. Kriteriene kan bl.a. v\u00e6re at kunden er p\u00e5 watchlist. Det vil si at kunden har vesentlig forh\u00f8yet risiko og bank<span class=\"_ _0\"></span>en vurderer at det er behov f<span class=\"_ _0\"></span>or tettere oppf\u00f8lging. \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kundens PD har \u00f8kt med over 150 pr<span class=\"_ _0\"></span>osent til et niv\u00e5 over 0,60 prosent. Endringen m\u00e5les ved \u00e5 sammenligne kundens PD samme m\u00e5ned som kontoen ble innregnet (<span class=\"_ _0\"></span>\u00abPD_IB\u00bb<span class=\"_ _0\"></span>) med kundens PD for m\u00e5neden det rapporteres p\u00e5 (\u00abPD_UB\u00bb<span class=\"_ _0\"></span>).<span class=\"_ _2cc\"> </span>Dersom de kvantitative eller kvalitative f<span class=\"_ _0\"></span>orholdene som medf\u00f8rte flytting til trinn 2 bedres tilstrekk<span class=\"_ _0\"></span>elig, slik at de ikke lenger treff<span class=\"_ _0\"></span>er de nevnte kriterier<span class=\"_ _1\"></span>, vil engasjementet flyttes tilbake til trinn 1. T<span class=\"_ _1\"></span>rinn 3: I trinn 3 i tapsmodellen er eiendeler som har hatt en vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden innvilgelse og hvor det er objektive be<span class=\"_ _0\"></span>vis p\u00e5 kreditttap som med-<span class=\"_ _2cc\"> </span>f\u00f8rer redusert fremtidig k<span class=\"_ _0\"></span>ontantstr\u00f8m til betjening av engasjementet. For disse eiendelene avsettes det f<span class=\"_ _0\"></span>or forventet tap ov<span class=\"_ _0\"></span>er levetiden. Bank<span class=\"_ _0\"></span>en har definert at det er objektive bevis f<span class=\"_ _0\"></span>or tap n\u00e5r et utl\u00e5n er i mislig-<span class=\"_ _2cc\"> </span>hold (klasse J og K). Etter IFRS 9 skal tapsavsetningene innregnes basert p\u00e5 forventet kr<span class=\"_ _0\"></span>edittap (expected credit loss - ECL). Dersom det er objektiv<span class=\"_ _0\"></span>e bevis p\u00e5 at kredittap har inntruffet, beregnes st\u00f8rr<span class=\"_ _0\"></span>elsen p\u00e5 tapet til differansen mellom eiendelens bokf\u00f8rte ver<span class=\"_ _0\"></span>di og n\u00e5verdien a<span class=\"_ _0\"></span>v estimerte fremtidige kontantstr\u00f8mmer diskontert med den finansielle eiendelens opprinneli-<span class=\"_ _2cc\"> </span>ge effektive r<span class=\"_ _0\"></span>entesats.<span class=\"_ _2cc\"> </span>Kredittapet m\u00e5 v\u00e6re et r<span class=\"_ _0\"></span>esultat av en eller flere hen-<span class=\"_ _2cc\"> </span>delser inntruffet etter f\u00f8rste gangs innr<span class=\"_ _0\"></span>egning (taps-<span class=\"_ _2cc\"> </span>hendelse) og resultatet av tapshendelsen m\u00e5 ogs\u00e5 kunne m\u00e5les p\u00e5litelig. Objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap omfatter observerbare data som blir kjent f<span class=\"_ _0\"></span>or konser-<span class=\"_ _2cc\"> </span>net om f\u00f8lgende tapshendelser:<span class=\"_ _2cc\"> </span>\u2022 V<span class=\"_ _0\"></span>esentlige finansielle vanskeligheter hos utsteder eller l\u00e5ntaker<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Ikke uvesentlig mislighold a<span class=\"_ _0\"></span>v kontrakt, som manglen-<span class=\"_ _2cc\"> </span>de betaling av a<span class=\"_ _0\"></span>vdrag og renter<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Konsernet innvilger l\u00e5ntak<span class=\"_ _0\"></span>er spesielle betingelser med bakgrunn i \u00f8k<span class=\"_ _0\"></span>onomiske eller legale grunner knyttet til l\u00e5ntakers \u00f8k<span class=\"_ _0\"></span>onomiske situasjon<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Sannsynlighet for at skyldner vil inng\u00e5 gjeldsf<span class=\"_ _0\"></span>orhand-<span class=\"_ _2cc\"> </span>linger eller andre finansielle reor<span class=\"_ _0\"></span>ganiseringer<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>P\u00e5 grunn av finansielle problemer opph\u00f8r<span class=\"_ _0\"></span>er de akti-<span class=\"_ _2cc\"> </span>ve markedene f<span class=\"_ _0\"></span>or den finansielle eiendelen<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Kunder med mer enn 90 dagers betalingsmislighold vil alltid flyttes til trinn 3<span class=\"_ _2cc\"> </span>Konsernet vur<span class=\"_ _0\"></span>derer f\u00f8rst om det eksisterer individuelle objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap for finansielle eiendeler som er individuelt signifikante. Bokf\u00f8rt verdi a<span class=\"_ _0\"></span>v eiende-<span class=\"_ _2cc\"> </span>len reduseres v<span class=\"_ _0\"></span>ed bruk av en nedskrivningskonto og tapet innregnes i resultatr<span class=\"_ _0\"></span>egnskapet. En kunde som er klassifisert som misligholdt, og f\u00f8lgelig ligger i katego-<span class=\"_ _2cc\"> </span>ri 3 skal ha 3 eller 12 m\u00e5neders karensperiode etter at misligholdet er gjort opp avhengig av hv<span class=\"_ _0\"></span>orvidt det er gitt betalingslettelser<span class=\"_ _1\"></span>, f\u00f8r kunden g\u00e5r inn i en pr\u00f8vepe-<span class=\"_ _2cc\"> </span>riode p\u00e5 12 eller 24 m\u00e5neder<span class=\"_ _1\"></span>. Misligholdte engasjement<span class=\"_ _2cc\"> </span>Samlet engasjement fra en kunde regnes som mislig-<span class=\"_ _2cc\"> </span>holdt og tas med i bankens ov<span class=\"_ _0\"></span>ersikt over misligholdte engasjementer n\u00e5r forfalte av<span class=\"_ _0\"></span>drag eller renter ikke er<span class=\"_ _2cc\"> </span>betalt innen 90 dager etter forfall eller rammekreditter er overtrukk<span class=\"_ _0\"></span>et i 90 dager eller mer<span class=\"_ _1\"></span>. I tillegg kommer ut-<span class=\"_ _2cc\"> </span>l\u00e5n og andre engasjementer som ikke er betalings-mis-<span class=\"_ _2cc\"> </span>ligholdte over 90 dager<span class=\"_ _141\"></span>, men hvor kundens \u00f8konomis<span class=\"_ _2cc\"> </span>ke situasjon gj\u00f8r det sannsynlig at bank<span class=\"_ _0\"></span>en vil bli p\u00e5f\u00f8rt tap. Engasjementer som anses \u00e5 ha underliggende verdier med pant i boliger som dekk<span class=\"_ _0\"></span>er engasjementet fullt ut nedskrives ikke. Misligholdte engasjement vil ligge i trinn 3 i tapsmodellen. Forbearance-merkede engasjement<span class=\"_ _2cc\"> </span>Forbearance er definert som endringer i tidligere a<span class=\"_ _0\"></span>vtalt renteniv\u00e5, betingelser eller nedbetalingsplan for kunder i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter<span class=\"_ _1\"></span>, som banken ikke ville gitt til en kunde som ikke var i \u00f8k<span class=\"_ _0\"></span>onomisk vanskeligheter<span class=\"_ _1\"></span>. Engasjementer skal forbearance-merk<span class=\"_ _0\"></span>es, forutsatt at kunden er i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter dersom det innvilges lettelser slik beskrev<span class=\"_ _0\"></span>et over<span class=\"_ _1\"></span>. Forbearance-mer<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>kede kunder vil ligge i kategori 2. Konstaterte tap<span class=\"_ _2cc\"> </span>Konstatering a<span class=\"_ _0\"></span>v tap (fraregning av balansef\u00f8rt v<span class=\"_ _0\"></span>erdi) foretas n\u00e5r bank<span class=\"_ _0\"></span>en ikke har rimelige f<span class=\"_ _0\"></span>orventninger om \u00e5 gjenvinne et engasjement i sin helhet eller en del av den. Kriterier n\u00e5r dette skal gj\u00f8res er blant annet:<span class=\"_ _2cc\"> </span>\u00b7 Avsluttet k<span class=\"_ _0\"></span>onkurs i selskaper med begrenset ans<span class=\"_ _0\"></span>var<span class=\"_ _2cc\"> </span>\u00b7 Stadfestet akk<span class=\"_ _0\"></span>ord/gjeldsforhandlinger<span class=\"_ _2cc\"> </span>\u00b7 Avvikling for \u00f8vrige selsk<span class=\"_ _0\"></span>aper med begrenset ansvar<span class=\"_ _2cc\"> </span>\u00b7 Avsluttet bo v<span class=\"_ _0\"></span>ed d\u00f8dsfall<span class=\"_ _2cc\"> </span>\u00b7 V<span class=\"_ _0\"></span>ed rettskraftig dom<span class=\"_ _2cc\"> </span>\u00b7 Sikkerheter er realisert<span class=\"_ _2cc\"> </span>Engasjementet vil normalt legges p\u00e5 langstidsoverv\u00e5k-<span class=\"_ _2cc\"> </span>ning i tilfelle debitor igjen skulle bli s\u00f8k<span class=\"_ _0\"></span>egod. Innbe-<span class=\"_ _2cc\"> </span>talinger p\u00e5 tidligere konstaterte l\u00e5n framg\u00e5r a<span class=\"_ _0\"></span>v note 10 og presenteres under \u00ab<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier\u00bb i resultatregnskapet.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-719": {
   "value": "T<span class=\"_ _141\"></span>apsnedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span>Den generelle modellen for nedskrivninger a<span class=\"_ _0\"></span>v finansi-<span class=\"_ _2cc\"> </span>elle eiendeler i IFRS 9 vil gjelde for finansielle eiendeler som m\u00e5les til amortisert kost eller gjeldsinstrumenter til virkelig ver<span class=\"_ _0\"></span>di med verdiendringer o<span class=\"_ _0\"></span>ver OCI, og som ikke hadde inntrufne tap ved f\u00f8r<span class=\"_ _0\"></span>ste gangs balan-<span class=\"_ _2cc\"> </span>sef\u00f8ring. I tillegg er ogs\u00e5 l\u00e5netilsagn og finansielle garantikontrakter som ikk<span class=\"_ _0\"></span>e m\u00e5les til virkelig ver<span class=\"_ _0\"></span>di over resultatet omfattet.<span class=\"_ _2cc\"> </span>M\u00e5lingen av a<span class=\"_ _0\"></span>vsetningen for f<span class=\"_ _0\"></span>orventet tap i den gene-<span class=\"_ _2cc\"> </span>relle modellen avhenger a<span class=\"_ _0\"></span>v om kredittrisik<span class=\"_ _0\"></span>oen har \u00f8kt vesentlig siden f\u00f8rste gangs balansef\u00f8ring. V<span class=\"_ _1\"></span>ed f\u00f8r-<span class=\"_ _2cc\"> </span>stegangs balansef\u00f8ring og n\u00e5r kredittrisikoen ikk<span class=\"_ _0\"></span>e har \u00f8kt vesentlig etter f\u00f8rstegangs balansef\u00f8ring skal det avsettes f<span class=\"_ _0\"></span>or 12-m\u00e5neders forventet tap<span class=\"_ _0\"></span>. 12-m\u00e5neders forventet tap er det tapet som er f<span class=\"_ _0\"></span>orventet \u00e5 inntreffe over le<span class=\"_ _0\"></span>vetiden til instrumentet, men som kan knyttes til begivenheter som inntreff<span class=\"_ _0\"></span>er de f\u00f8rste 12 m\u00e5nedene. Hvis kredittrisikoen har \u00f8kt v<span class=\"_ _0\"></span>esentlig etter f\u00f8rstegangs innregning, skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over hele levetiden. F<span class=\"_ _0\"></span>orventet kredittap er beregnet basert p\u00e5 n\u00e5verdien a<span class=\"_ _0\"></span>v alle kontantstr\u00f8mmer ov<span class=\"_ _0\"></span>er gjenv\u00e6-<span class=\"_ _2cc\"> </span>rende forventet le<span class=\"_ _0\"></span>vetid, det vil si for<span class=\"_ _0\"></span>skjellen mellom de kontraktsmessige k<span class=\"_ _0\"></span>ontantstr\u00f8mmer i henhold til kontrakten og den k<span class=\"_ _0\"></span>ontantstr\u00f8mmen som banken forventer \u00e5 motta, disk<span class=\"_ _0\"></span>ontert med effektiv rente p\u00e5 instrumentet.<span class=\"_ _2cc\"> </span>N\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v bankens nedskrivningsmodell T<span class=\"_ _141\"></span>apsanslaget lages kvar<span class=\"_ _3\"></span>talsvis, og bygger p\u00e5 historikk over k<span class=\"_ _0\"></span>onto- og kundedata for hele kredittportef\u00f8ljen. T<span class=\"_ _141\"></span>apsestimatene blir beregnet basert p\u00e5 12 m\u00e5neders og livslang sannsynlighet for mislighold (pr<span class=\"_ _0\"></span>obability of default \u2013 PD), tap ved mislighold (loss giv<span class=\"_ _0\"></span>en default \u2013 L<span class=\"_ _0\"></span>GD) og eksponering ved mislighold (e<span class=\"_ _0\"></span>xposure at default \u2013 EAD). Banken har historikk f<span class=\"_ _0\"></span>or observert PD<span class=\"_ _2cc\"> </span>og observert L<span class=\"_ _0\"></span>GD, som danner grunnlag for estimater p\u00e5 fremtidige ver<span class=\"_ _0\"></span>dier for PD og L<span class=\"_ _1\"></span>GD. Bankens modell for beregning a<span class=\"_ _0\"></span>v forventet kr<span class=\"_ _0\"></span>edittap benytter ikke<span class=\"_ _2cc\"> </span>klimarelaterte data for \u00e5 ber<span class=\"_ _0\"></span>egne hvordan klimarisik<span class=\"_ _0\"></span>o p\u00e5virker st\u00f8rrelsen p\u00e5 f<span class=\"_ _0\"></span>orventede kredittap. Modellen inneholder 3 ulike scenarier<span class=\"_ _1\"></span>, \u00abScenario 1\u00bb, \u00abScenario 2\u00bb og \u00abScenario 3\u00bb, og det beregnes et forventet tap (expected cr<span class=\"_ _0\"></span>edit loss \u2013 ECL) for hv<span class=\"_ _0\"></span>ert scenario. ECL f<span class=\"_ _0\"></span>or en kombinasjon a<span class=\"_ _0\"></span>v de tre scenariene er et vektet gjennomsnitt for de tr<span class=\"_ _0\"></span>e scenariene, hvor \u00abScenario 1\u00bb, som i hovedsak baser<span class=\"_ _0\"></span>er seg p\u00e5 Norges Bank Pengepolitisk<span class=\"_ _0\"></span>e rapport og forventede \u00f8konomis-<span class=\"_ _2cc\"> </span>ke utvikling, vektes med 80 %, \u00abScenario 2\u00bb og \u00abScena-<span class=\"_ _2cc\"> </span>rio 3\u00bb vektes med 10 %. Se \u00abNote 3 \u2013 Kritiske estimater og vurderinger vedr\u00f8r<span class=\"_ _0\"></span>ende bruk av regnskapsprinsip-<span class=\"_ _2cc\"> </span>per\u00bb for utfyllende inf<span class=\"_ _0\"></span>ormasjon om scenarioene.  I tr\u00e5d med IFRS 9 grupperer banken sine utl\u00e5n i tr<span class=\"_ _0\"></span>e trinn:<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>rinn 1: Dette er startpunkt for alle finansielle eiendeler omfat-<span class=\"_ _2cc\"> </span>tet av den generelle tapsmodellen. Alle eiendeler som ikke har vesentlig h\u00f8y<span class=\"_ _0\"></span>ere kredittrisik<span class=\"_ _0\"></span>o enn ved f\u00f8rste-<span class=\"_ _2cc\"> </span>gangsinnregning f\u00e5r en av<span class=\"_ _0\"></span>setning for tap som tilsvarer 12 m\u00e5neders forventet tap<span class=\"_ _0\"></span>. I denne kategorien ligger alle eiendeler som ikke er ov<span class=\"_ _0\"></span>erf\u00f8rt til trinn 2 eller 3.<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>rinn 2: I trinn 2 i tapsmodellen er eiendeler som har hatt en vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinn-<span class=\"_ _2cc\"> </span>regning, men hvor det ikk<span class=\"_ _0\"></span>e er objektive bevis p\u00e5 tap<span class=\"_ _0\"></span>. For disse eiendelene skal det a<span class=\"_ _0\"></span>vsettes for f<span class=\"_ _0\"></span>orventet tap over le<span class=\"_ _0\"></span>vetiden. I denne gruppen finner vi eiendeler med vesentlig grad av kr<span class=\"_ _0\"></span>edittforverring, men som p\u00e5 balansedato tilh\u00f8rer kunder som ikke er klassifisert som kredittforringet. N\u00e5r det gjelder a<span class=\"_ _0\"></span>vgrensning mot trinn 1, definerer banken v<span class=\"_ _0\"></span>esentlig grad av kredittf<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>verring ved \u00e5 ta utgangspunkt i hv<span class=\"_ _0\"></span>orvidt et engasje-<span class=\"_ _2cc\"> </span>ments beregnede PD har \u00f8kt vesentlig.<span class=\"_ _2cc\"> </span>F\u00f8lgende regler f<span class=\"_ _0\"></span>or kategorisering av trinn 2 gjelder: \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kontoen er i o<span class=\"_ _0\"></span>vertrekk eller har restanse p\u00e5 30 dagers varighet eller mer<span class=\"_ _1\"></span>. \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r den tilh\u00f8rer en kunde som har blitt satt til s\u00e6rlig oppf\u00f8lging. Kriteriene for dette fastsetter banken og k<span class=\"_ _0\"></span>ontoen settes i kategori 2 manuelt. Kriteriene kan bl.a. v\u00e6re at kunden er p\u00e5 watchlist. Det vil si at kunden har vesentlig forh\u00f8yet risiko og bank<span class=\"_ _0\"></span>en vurderer at det er behov f<span class=\"_ _0\"></span>or tettere oppf\u00f8lging. \u2022 <span class=\"_ _2\"></span>En konto skal ha kategori 2 n\u00e5r kundens PD har \u00f8kt med over 150 pr<span class=\"_ _0\"></span>osent til et niv\u00e5 over 0,60 prosent. Endringen m\u00e5les ved \u00e5 sammenligne kundens PD samme m\u00e5ned som kontoen ble innregnet (<span class=\"_ _0\"></span>\u00abPD_IB\u00bb<span class=\"_ _0\"></span>) med kundens PD for m\u00e5neden det rapporteres p\u00e5 (\u00abPD_UB\u00bb<span class=\"_ _0\"></span>).<span class=\"_ _2cc\"> </span>Dersom de kvantitative eller kvalitative f<span class=\"_ _0\"></span>orholdene som medf\u00f8rte flytting til trinn 2 bedres tilstrekk<span class=\"_ _0\"></span>elig, slik at de ikke lenger treff<span class=\"_ _0\"></span>er de nevnte kriterier<span class=\"_ _1\"></span>, vil engasjementet flyttes tilbake til trinn 1. T<span class=\"_ _1\"></span>rinn 3: I trinn 3 i tapsmodellen er eiendeler som har hatt en vesentlig \u00f8kning i kredittrisik<span class=\"_ _0\"></span>o siden innvilgelse og hvor det er objektive be<span class=\"_ _0\"></span>vis p\u00e5 kreditttap som med-<span class=\"_ _2cc\"> </span>f\u00f8rer redusert fremtidig k<span class=\"_ _0\"></span>ontantstr\u00f8m til betjening av engasjementet. For disse eiendelene avsettes det f<span class=\"_ _0\"></span>or forventet tap ov<span class=\"_ _0\"></span>er levetiden. Bank<span class=\"_ _0\"></span>en har definert at det er objektive bevis f<span class=\"_ _0\"></span>or tap n\u00e5r et utl\u00e5n er i mislig-<span class=\"_ _2cc\"> </span>hold (klasse J og K). Etter IFRS 9 skal tapsavsetningene innregnes basert p\u00e5 forventet kr<span class=\"_ _0\"></span>edittap (expected credit loss - ECL). Dersom det er objektiv<span class=\"_ _0\"></span>e bevis p\u00e5 at kredittap har inntruffet, beregnes st\u00f8rr<span class=\"_ _0\"></span>elsen p\u00e5 tapet til differansen mellom eiendelens bokf\u00f8rte ver<span class=\"_ _0\"></span>di og n\u00e5verdien a<span class=\"_ _0\"></span>v estimerte fremtidige kontantstr\u00f8mmer diskontert med den finansielle eiendelens opprinneli-<span class=\"_ _2cc\"> </span>ge effektive r<span class=\"_ _0\"></span>entesats.<span class=\"_ _2cc\"> </span>Kredittapet m\u00e5 v\u00e6re et r<span class=\"_ _0\"></span>esultat av en eller flere hen-<span class=\"_ _2cc\"> </span>delser inntruffet etter f\u00f8rste gangs innr<span class=\"_ _0\"></span>egning (taps-<span class=\"_ _2cc\"> </span>hendelse) og resultatet av tapshendelsen m\u00e5 ogs\u00e5 kunne m\u00e5les p\u00e5litelig. Objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap omfatter observerbare data som blir kjent f<span class=\"_ _0\"></span>or konser-<span class=\"_ _2cc\"> </span>net om f\u00f8lgende tapshendelser:<span class=\"_ _2cc\"> </span>\u2022 V<span class=\"_ _0\"></span>esentlige finansielle vanskeligheter hos utsteder eller l\u00e5ntaker<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Ikke uvesentlig mislighold a<span class=\"_ _0\"></span>v kontrakt, som manglen-<span class=\"_ _2cc\"> </span>de betaling av a<span class=\"_ _0\"></span>vdrag og renter<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Konsernet innvilger l\u00e5ntak<span class=\"_ _0\"></span>er spesielle betingelser med bakgrunn i \u00f8k<span class=\"_ _0\"></span>onomiske eller legale grunner knyttet til l\u00e5ntakers \u00f8k<span class=\"_ _0\"></span>onomiske situasjon<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Sannsynlighet for at skyldner vil inng\u00e5 gjeldsf<span class=\"_ _0\"></span>orhand-<span class=\"_ _2cc\"> </span>linger eller andre finansielle reor<span class=\"_ _0\"></span>ganiseringer<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>P\u00e5 grunn av finansielle problemer opph\u00f8r<span class=\"_ _0\"></span>er de akti-<span class=\"_ _2cc\"> </span>ve markedene f<span class=\"_ _0\"></span>or den finansielle eiendelen<span class=\"_ _2cc\"> </span>\u2022 <span class=\"_ _2\"></span>Kunder med mer enn 90 dagers betalingsmislighold vil alltid flyttes til trinn 3<span class=\"_ _2cc\"> </span>Konsernet vur<span class=\"_ _0\"></span>derer f\u00f8rst om det eksisterer individuelle objektive bevis p\u00e5 kr<span class=\"_ _0\"></span>edittap for finansielle eiendeler som er individuelt signifikante. Bokf\u00f8rt verdi a<span class=\"_ _0\"></span>v eiende-<span class=\"_ _2cc\"> </span>len reduseres v<span class=\"_ _0\"></span>ed bruk av en nedskrivningskonto og tapet innregnes i resultatr<span class=\"_ _0\"></span>egnskapet. En kunde som er klassifisert som misligholdt, og f\u00f8lgelig ligger i katego-<span class=\"_ _2cc\"> </span>ri 3 skal ha 3 eller 12 m\u00e5neders karensperiode etter at misligholdet er gjort opp avhengig av hv<span class=\"_ _0\"></span>orvidt det er gitt betalingslettelser<span class=\"_ _1\"></span>, f\u00f8r kunden g\u00e5r inn i en pr\u00f8vepe-<span class=\"_ _2cc\"> </span>riode p\u00e5 12 eller 24 m\u00e5neder<span class=\"_ _1\"></span>. Misligholdte engasjement<span class=\"_ _2cc\"> </span>Samlet engasjement fra en kunde regnes som mislig-<span class=\"_ _2cc\"> </span>holdt og tas med i bankens ov<span class=\"_ _0\"></span>ersikt over misligholdte engasjementer n\u00e5r forfalte av<span class=\"_ _0\"></span>drag eller renter ikke er<span class=\"_ _2cc\"> </span>betalt innen 90 dager etter forfall eller rammekreditter er overtrukk<span class=\"_ _0\"></span>et i 90 dager eller mer<span class=\"_ _1\"></span>. I tillegg kommer ut-<span class=\"_ _2cc\"> </span>l\u00e5n og andre engasjementer som ikke er betalings-mis-<span class=\"_ _2cc\"> </span>ligholdte over 90 dager<span class=\"_ _141\"></span>, men hvor kundens \u00f8konomis<span class=\"_ _2cc\"> </span>ke situasjon gj\u00f8r det sannsynlig at bank<span class=\"_ _0\"></span>en vil bli p\u00e5f\u00f8rt tap. Engasjementer som anses \u00e5 ha underliggende verdier med pant i boliger som dekk<span class=\"_ _0\"></span>er engasjementet fullt ut nedskrives ikke. Misligholdte engasjement vil ligge i trinn 3 i tapsmodellen. Forbearance-merkede engasjement<span class=\"_ _2cc\"> </span>Forbearance er definert som endringer i tidligere a<span class=\"_ _0\"></span>vtalt renteniv\u00e5, betingelser eller nedbetalingsplan for kunder i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter<span class=\"_ _1\"></span>, som banken ikke ville gitt til en kunde som ikke var i \u00f8k<span class=\"_ _0\"></span>onomisk vanskeligheter<span class=\"_ _1\"></span>. Engasjementer skal forbearance-merk<span class=\"_ _0\"></span>es, forutsatt at kunden er i \u00f8konomisk<span class=\"_ _0\"></span>e vanskeligheter dersom det innvilges lettelser slik beskrev<span class=\"_ _0\"></span>et over<span class=\"_ _1\"></span>. Forbearance-mer<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>kede kunder vil ligge i kategori 2. Konstaterte tap<span class=\"_ _2cc\"> </span>Konstatering a<span class=\"_ _0\"></span>v tap (fraregning av balansef\u00f8rt v<span class=\"_ _0\"></span>erdi) foretas n\u00e5r bank<span class=\"_ _0\"></span>en ikke har rimelige f<span class=\"_ _0\"></span>orventninger om \u00e5 gjenvinne et engasjement i sin helhet eller en del av den. Kriterier n\u00e5r dette skal gj\u00f8res er blant annet:<span class=\"_ _2cc\"> </span>\u00b7 Avsluttet k<span class=\"_ _0\"></span>onkurs i selskaper med begrenset ans<span class=\"_ _0\"></span>var<span class=\"_ _2cc\"> </span>\u00b7 Stadfestet akk<span class=\"_ _0\"></span>ord/gjeldsforhandlinger<span class=\"_ _2cc\"> </span>\u00b7 Avvikling for \u00f8vrige selsk<span class=\"_ _0\"></span>aper med begrenset ansvar<span class=\"_ _2cc\"> </span>\u00b7 Avsluttet bo v<span class=\"_ _0\"></span>ed d\u00f8dsfall<span class=\"_ _2cc\"> </span>\u00b7 V<span class=\"_ _0\"></span>ed rettskraftig dom<span class=\"_ _2cc\"> </span>\u00b7 Sikkerheter er realisert<span class=\"_ _2cc\"> </span>Engasjementet vil normalt legges p\u00e5 langstidsoverv\u00e5k-<span class=\"_ _2cc\"> </span>ning i tilfelle debitor igjen skulle bli s\u00f8k<span class=\"_ _0\"></span>egod. Innbe-<span class=\"_ _2cc\"> </span>talinger p\u00e5 tidligere konstaterte l\u00e5n framg\u00e5r a<span class=\"_ _0\"></span>v note 10 og presenteres under \u00ab<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier\u00bb i resultatregnskapet. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-675": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs172\">Innregning og fraregning a<span class=\"_ _0\"></span>v finansielle eiendeler  </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs173\">og forpliktelser<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs174\">Finansielle eiendeler og forpliktelser innregnes p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs175\">handledagen, det vil si tidspunktet banken blir part i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs176\">instrumentenes kontraktsmessige betingelser<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs177\">Finansielle eiendeler fraregnes n\u00e5r de kontrakts-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs178\">messige rettighetene til kontantstr\u00f8mmene fra den </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs179\">finansielle eiendelen er utl\u00f8pt, eller n\u00e5r rettighetene til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs17a\">kontantstr\u00f8mmene fra eiendelen er ov<span class=\"_ _0\"></span>erf\u00f8rt p\u00e5 en slik </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs17b\">m\u00e5te at risiko og a<span class=\"_ _0\"></span>vkastning knyttet til eierskapet i det </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs17c\">alt vesentlige er ov<span class=\"_ _0\"></span>erf\u00f8rt<span class=\"_ _3\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs17d\">Finansielle forpliktelser fraregnes n\u00e5r de k<span class=\"_ _0\"></span>ontraktsmes-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs17e\">sige betingelsene er innfridd, kansellert eller utl\u00f8pt.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h10 ff7 fs3 fc7 sc0 ls0 ws0 gs17f\">Modifiserte eiendeler og forpliktelser<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs180\">Dersom det gj\u00f8res modifiseringer eller endringer i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs181\">vilk\u00e5rene til en eksisterende finansiell eiendel eller </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs182\">forpliktelse behandles instrumentet som en ny finan-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs183\">siell eiendel dersom de ref<span class=\"_ _0\"></span>orhandlede vilk\u00e5rene er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs184\">vesentlig for<span class=\"_ _0\"></span>skjellige fra de gamle vilk\u00e5rene. Dersom </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs185\">vilk\u00e5rene er vesentlig f<span class=\"_ _0\"></span>orskjellig fraregnes den gam-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs186\">le finansielle eiendelen eller forpliktelsen, og en ny </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs187\">finansiell eiendel eller forpliktelse innregnes. Gener<span class=\"_ _0\"></span>elt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs188\">vurderes et utl\u00e5n til \u00e5 v\u00e6r<span class=\"_ _0\"></span>e en ny finansiell eiendel </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs189\">dersom det utstedes ny l\u00e5nedokumentasjon, samtidig </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18a\">som det foretas ny kr<span class=\"_ _0\"></span>edittprosess med fastsettelse a<span class=\"_ _0\"></span>v </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18b\">nye l\u00e5nevilk\u00e5r<span class=\"_ _141\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18c\">Dersom det modifiserte instrumentet ikke vurder<span class=\"_ _0\"></span>es \u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18d\">v\u00e6re vesentlig f<span class=\"_ _0\"></span>orskjellig fra det eksisterende instru-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18e\">mentet, anses instrumentet regnskapsmessig \u00e5 v\u00e6re </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs18f\">en videref\u00f8ring av det ek<span class=\"_ _0\"></span>sisterende instrumentet. V<span class=\"_ _0\"></span>ed </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs190\">en modifisering som regnskapsf\u00f8res som en vider<span class=\"_ _0\"></span>e-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs191\">f\u00f8ring av eksister<span class=\"_ _0\"></span>ende instrument, diskonteres de nye </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs192\">kontantstr\u00f8mmene med instrumentets opprinnelige </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs193\">effektive r<span class=\"_ _0\"></span>ente og eventuell f<span class=\"_ _0\"></span>orskjell mot eksisterende </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs194\">balansef\u00f8rt bel\u00f8p resultatf\u00f8res. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs195\">Modifiserte l\u00e5n der kunder er i en vanskelig \u00f8konomisk </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs196\">situasjon er gjenstand for individuell vurdering om </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs197\">behov for tapsa<span class=\"_ _0\"></span>vsetning.  </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-673": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs199\">Immaterielle eiendeler<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19a\">Immaterielle eiendeler best\u00e5r av identifisert merverdi </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19b\">knyttet til oppkj\u00f8pte kunderelasjoner samt goodwill </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19c\">i konsernet SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland. Good-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19d\">will oppst\u00e5r som differanse mellom virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19e\">vederlaget ved kj\u00f8p a<span class=\"_ _0\"></span>v en virksomhet og virkelig v<span class=\"_ _0\"></span>erdi </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs19f\">av identifiserbare eiendeler og f<span class=\"_ _0\"></span>orpliktelser<span class=\"_ _1\"></span>. Goodwill </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a0\">avskriv<span class=\"_ _0\"></span>es ikke, men er gjenstand for en \u00e5rlig nedskriv-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a1\">ningstest i samsvar med IAS 36 med sikte p\u00e5 \u00e5 av<span class=\"_ _0\"></span>dek-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a2\">ke et ev<span class=\"_ _0\"></span>entuelt verdifall.  </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-720": {
   "value": "Immaterielle eiendeler best\u00e5r av identifisert merverdi knyttet til oppkj\u00f8pte kunderelasjoner samt goodwill i konsernet SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-721": {
   "value": "Good-<span class=\"_ _2cc\"> </span>will oppst\u00e5r som differanse mellom virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v vederlaget ved kj\u00f8p a<span class=\"_ _0\"></span>v en virksomhet og virkelig v<span class=\"_ _0\"></span>erdi av identifiserbare eiendeler og f<span class=\"_ _0\"></span>orpliktelser<span class=\"_ _1\"></span>. Goodwill avskriv<span class=\"_ _0\"></span>es ikke, men er gjenstand for en \u00e5rlig nedskriv-<span class=\"_ _2cc\"> </span>ningstest i samsvar med IAS 36 med sikte p\u00e5 \u00e5 av<span class=\"_ _0\"></span>dek-<span class=\"_ _2cc\"> </span>ke et ev<span class=\"_ _0\"></span>entuelt verdifall.  ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-674": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1a4\">Eiendom, anlegg og utstyr<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a5\">Eiendom, anlegg og utstyr f\u00f8rsteganginnregnes til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a6\">anskaffelsesk<span class=\"_ _0\"></span>ost og avskriv<span class=\"_ _0\"></span>es deretter line\u00e6rt over </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a7\">forventet lev<span class=\"_ _0\"></span>etid. V<span class=\"_ _0\"></span>ed fastlegging av a<span class=\"_ _0\"></span>vskrivningsplan </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a8\">splittes de enkelte eiendeler i n\u00f8dvendig utstr<span class=\"_ _0\"></span>ekning </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1a9\">opp i komponenter med f<span class=\"_ _0\"></span>orskjellig levetid, og det tas </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1aa\">hensyn til estimert restver<span class=\"_ _0\"></span>di. Eiendom, anlegg og ut-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ab\">styr som hver for seg er a<span class=\"_ _0\"></span>v liten betydning, eksempel-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ac\">vis PC-er og annet kontorutstyr<span class=\"_ _1\"></span>, vurderes ikk<span class=\"_ _0\"></span>e individu-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ad\">elt for restv<span class=\"_ _0\"></span>erdier<span class=\"_ _1\"></span>, levetid eller ver<span class=\"_ _0\"></span>difall, men vurderes </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ae\">som grupper<span class=\"_ _1\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1af\">T<span class=\"_ _141\"></span>omter avskrives ikke. Andr<span class=\"_ _0\"></span>e driftsmidler avskrives </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b0\">etter den line\u00e6re metode, slik at anleggsmidlenes </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b1\">anskaffelsesk<span class=\"_ _0\"></span>ost, eller revaluert verdi, a<span class=\"_ _0\"></span>vskrives til r<span class=\"_ _0\"></span>est-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b2\">verdi o<span class=\"_ _0\"></span>ver forventet utnyttbar le<span class=\"_ _0\"></span>vetid, som er:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b4\"> <span class=\"_ _cc\"> </span>Bygninger <span class=\"_ _5d\"> </span>20-50 \u00e5r</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b5\"> <span class=\"_ _cc\"> </span>Maskiner og IT<span class=\"_ _1\"></span>-utstyr <span class=\"_ _93\"> </span>3-7 \u00e5r</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b6\"> <span class=\"_ _cc\"> </span>T<span class=\"_ _1\"></span>ransportmidler <span class=\"_ _50\"> </span>4-5 \u00e5r</div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b7\"> <span class=\"_ _cc\"> </span>Inventar <span class=\"_ _144\"> </span>3-10 \u00e5r<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1b8\">Eiendom, anlegg og utstyr som avskriv<span class=\"_ _0\"></span>es, er gjenstand<span class=\"_ _2cc\"> </span> </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ba\">for en nedskrivningstest i samsvar med IAS 36 n\u00e5r om-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1bb\">stendighetene indikerer det. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-722": {
   "value": "Eiendom, anlegg og utstyr<span class=\"_ _2cc\"> </span>Eiendom, anlegg og utstyr f\u00f8rsteganginnregnes til anskaffelsesk<span class=\"_ _0\"></span>ost og avskriv<span class=\"_ _0\"></span>es deretter line\u00e6rt over forventet lev<span class=\"_ _0\"></span>etid. V<span class=\"_ _0\"></span>ed fastlegging av a<span class=\"_ _0\"></span>vskrivningsplan splittes de enkelte eiendeler i n\u00f8dvendig utstr<span class=\"_ _0\"></span>ekning opp i komponenter med f<span class=\"_ _0\"></span>orskjellig levetid, og det tas hensyn til estimert restver<span class=\"_ _0\"></span>di. Eiendom, anlegg og ut-<span class=\"_ _2cc\"> </span>styr som hver for seg er a<span class=\"_ _0\"></span>v liten betydning, eksempel-<span class=\"_ _2cc\"> </span>vis PC-er og annet kontorutstyr<span class=\"_ _1\"></span>, vurderes ikk<span class=\"_ _0\"></span>e individu-<span class=\"_ _2cc\"> </span>elt for restv<span class=\"_ _0\"></span>erdier<span class=\"_ _1\"></span>, levetid eller ver<span class=\"_ _0\"></span>difall, men vurderes som grupper<span class=\"_ _1\"></span>. T<span class=\"_ _141\"></span>omter avskrives ikke. Andr<span class=\"_ _0\"></span>e driftsmidler avskrives etter den line\u00e6re metode, slik at anleggsmidlenes anskaffelsesk<span class=\"_ _0\"></span>ost, eller revaluert verdi, a<span class=\"_ _0\"></span>vskrives til r<span class=\"_ _0\"></span>est-<span class=\"_ _2cc\"> </span>verdi o<span class=\"_ _0\"></span>ver forventet utnyttbar le<span class=\"_ _0\"></span>vetid, som er:<span class=\"_ _2cc\"> </span>Bygninger <span class=\"_ _5d\"> </span>20-50 \u00e5r <span class=\"_ _cc\"> </span>Maskiner og IT<span class=\"_ _1\"></span>-utstyr <span class=\"_ _93\"> </span>3-7 \u00e5r <span class=\"_ _cc\"> </span>T<span class=\"_ _1\"></span>ransportmidler <span class=\"_ _50\"> </span>4-5 \u00e5r <span class=\"_ _cc\"> </span>Inventar <span class=\"_ _144\"> </span>3-10 \u00e5r<span class=\"_ _2cc\"> </span>Eiendom, anlegg og utstyr som avskriv<span class=\"_ _0\"></span>es, er gjenstand<span class=\"_ _2cc\"> </span>for en nedskrivningstest i samsvar med IAS 36 n\u00e5r om-<span class=\"_ _2cc\"> </span>stendighetene indikerer det. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-724": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1bd\">Overtatte eiendeler<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1be\">Som ledd i behandlingen av misligholdte l\u00e5n og garan-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1bf\">tier overtar bank<span class=\"_ _0\"></span>en i enkelte tilfeller eiendeler som har </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c0\">v\u00e6rt stilt som sikkerhet for slik<span class=\"_ _0\"></span>e engasjementer<span class=\"_ _1\"></span>. V<span class=\"_ _0\"></span>ed </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c1\">overtak<span class=\"_ _0\"></span>else verdsettes eiendelene til antatt realisa-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c2\">sjonsverdi. Ov<span class=\"_ _0\"></span>ertatte eiendeler som skal realiseres, </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c3\">klassifiseres som beholdninger eller anleggsmidler </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c4\">holdt for salg og regnsk<span class=\"_ _0\"></span>apsf\u00f8res etter henholdsvis IAS </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c5\">2 eller IFRS 5. Eventuelle tap/gevinster v<span class=\"_ _0\"></span>ed avhendelse </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c6\">eller revur<span class=\"_ _0\"></span>dering av ver<span class=\"_ _0\"></span>di p\u00e5 slike eiendeler f\u00f8res som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1c7\">tillegg eller fradrag i tap p\u00e5 utl\u00e5n.  </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-676": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1c9\">Leieavtaler </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ca\">IFRS 16 Leieavtaler har f\u00f8rt til at v<span class=\"_ _0\"></span>esentlige leieavtaler </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1cb\">for k<span class=\"_ _0\"></span>onsernet og morbank er balansef\u00f8rt. Standarden </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1cc\">krev<span class=\"_ _0\"></span>er innregning av en bruksr<span class=\"_ _0\"></span>ettseiendel (rett til \u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1cd\">bruke den leide eiendelen) og en finansiell f<span class=\"_ _0\"></span>orpliktelse </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ce\">til \u00e5 betale leie for vesentlige leiek<span class=\"_ _0\"></span>ontrakter<span class=\"_ _1\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1cf\">IFRS 16 inneholder valgmulighet til \u00e5 unnlate \u00e5 innreg-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d0\">ne bruksretten og tilh\u00f8rende leief<span class=\"_ _0\"></span>orpliktelsen for en </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d1\">leieavtale dersom leiea<span class=\"_ _0\"></span>vtalen er kortsiktig (under 12 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d3\">m\u00e5neder) eller leie av eiendelen har la<span class=\"_ _0\"></span>v verdi. K<span class=\"_ _0\"></span>onser-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d4\">net og morbank har benyttet seg av dette fritak<span class=\"_ _0\"></span>et. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsc8\">N\u00e5verdien a<span class=\"_ _0\"></span>v leieforpliktelsen beregnes v<span class=\"_ _0\"></span>ed \u00e5 neddis-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d5\">kontere r<span class=\"_ _0\"></span>esterende leiebetalinger med bankens mar-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gsca\">ginale l\u00e5nerente (fundingrente). Opsjoner til \u00e5 f<span class=\"_ _0\"></span>orlenge </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d6\">leieperioden tas med dersom de med rimelig sikker-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gscc\">het forventes \u00e5 bli benyttet. N\u00e5verdien f<span class=\"_ _0\"></span>or opsjonen </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1d7\">innregnes da i leieforpliktelsen og bruk<span class=\"_ _0\"></span>sretten. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-677": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1d9\">Nedskrivning p\u00e5 ikke-finansielle eiendeler<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1da\">Balansef\u00f8rt bel\u00f8p av bankens eiendeler omf<span class=\"_ _0\"></span>attet av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1db\">IAS 36 (<span class=\"_ _3\"></span>ikke-finansielle eiendeler), blir gjennomg\u00e5tt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1dc\">p\u00e5 balansedagen, for \u00e5 vurder<span class=\"_ _0\"></span>e om det foreligger </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1dd\">indikasjoner p\u00e5 verdif<span class=\"_ _0\"></span>all. Dersom det foreligger slik<span class=\"_ _0\"></span>e </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1de\">indikasjoner<span class=\"_ _1\"></span>, estimeres eiendelens gjenvinnbare </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1df\">bel\u00f8p. Nedskrivninger for<span class=\"_ _0\"></span>etas n\u00e5r balansef\u00f8rt verdi </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e0\">av en eiendel eller k<span class=\"_ _0\"></span>ontantstr\u00f8mgenererende enhet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e1\">overstiger gjenvinnbart bel\u00f8p<span class=\"_ _0\"></span>. Nedskrivninger f\u00f8res </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e2\">over r<span class=\"_ _0\"></span>esultatregnskapet under andre driftsk<span class=\"_ _0\"></span>ostnader<span class=\"_ _1\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e3\">Nedskrivning av goodwill re<span class=\"_ _0\"></span>verseres ikk<span class=\"_ _0\"></span>e. For andre </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e4\">eiendeler rev<span class=\"_ _0\"></span>erseres nedskrivninger dersom det er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e5\">en endring i estimater som er benyttet for \u00e5 beregne </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e6\">gjenvinnbart bel\u00f8p.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-740": {
   "value": "Renteinntekter og \u2013k<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span>Renteinntekter og -k<span class=\"_ _0\"></span>ostnader knyttet til eiendeler og forpliktelser som m\u00e5les til amortisert kost og virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver utvidet resultat resultatf\u00f8r<span class=\"_ _0\"></span>es l\u00f8pende ba-<span class=\"_ _2cc\"> </span>sert p\u00e5 en effektiv rente-metode. Alle geb<span class=\"_ _0\"></span>yrer knyttet til renteb\u00e6rende innl\u00e5n og utl\u00e5n inng\u00e5r i ber<span class=\"_ _0\"></span>egningen av eff<span class=\"_ _0\"></span>ektiv rente og amortiseres dermed ov<span class=\"_ _0\"></span>er forven-<span class=\"_ _2cc\"> </span>tet l\u00f8petid. For renteb\u00e6r<span class=\"_ _0\"></span>ende instrumenter som m\u00e5les til virkelig verdi vil endring i mark<span class=\"_ _0\"></span>edsverdien klassifiser<span class=\"_ _0\"></span>es som netto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer<span class=\"_ _1\"></span>, mens renteelementet klassifiseres som r<span class=\"_ _0\"></span>enteinntekt. For utl\u00e5n ov<span class=\"_ _0\"></span>erf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3 er inntektsf\u00f8ring av r<span class=\"_ _0\"></span>enter p\u00e5 utl\u00e5n basert p\u00e5 netto utl\u00e5n, og inntektsf\u00f8ring av renter p\u00e5 utl\u00e5n i T<span class=\"_ _1\"></span>rinn 1 og 2 er basert p\u00e5 brutto utl\u00e5n.<span class=\"_ _2cc\"> </span>Provisjonsinntekter og -k<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span>Provisjonsinntekter og \u2013k<span class=\"_ _0\"></span>ostnader blir generelt periodisert i takt med at en tjeneste blir ytt. Gebyrer knyttet til renteb\u00e6rende instrumenter blir ikk<span class=\"_ _0\"></span>e f\u00f8rt som provisjoner<span class=\"_ _141\"></span>, men inng\u00e5r i beregningen av effektiv rente og resultatf\u00f8r<span class=\"_ _0\"></span>es tilsvarende. Garantipro<span class=\"_ _0\"></span>visjoner blir beregnet som et fastbel\u00f8p per garanti utstedt og inntektsf\u00f8res i takt med opptjening. Honorar og gebyr ved omsetning eller formidling a<span class=\"_ _0\"></span>v finansielle instrumen-<span class=\"_ _2cc\"> </span>ter<span class=\"_ _1\"></span>, eiendom eller andre investeringsobjekter som ikke genererer balanseposter i k<span class=\"_ _0\"></span>onsernets regnskap, r<span class=\"_ _0\"></span>esul-<span class=\"_ _2cc\"> </span>tatf\u00f8res n\u00e5r transaksjonen sluttf\u00f8res. Bank<span class=\"_ _0\"></span>en mottar provisjon fra Spar<span class=\"_ _0\"></span>eBank 1 Boligkreditt og Sparebank 1 N\u00e6ringskreditt tilsvarende diff<span class=\"_ _0\"></span>eransen mellom l\u00e5nets rente og den finansieringskostnad Boligkr<span class=\"_ _0\"></span>editt og N\u00e6ringskreditt oppn\u00e5r med tillegg av et administrativt p\u00e5slag. I bankens regnsk<span class=\"_ _0\"></span>ap fremkommer dette som provisjonsinntekter<span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span>Andre driftsinntekter<span class=\"_ _2cc\"> </span>I andre driftsinntekter inng\u00e5r inntekter i eiendomsme-<span class=\"_ _2cc\"> </span>glervirksomheten og regnskapstjenester som ytes i konsernet. Andre driftsinntekter blir generelt periodi-<span class=\"_ _2cc\"> </span>sert i takt med at en tjeneste blir levert. T<span class=\"_ _1\"></span>ransaksjoner og beholdninger i utenlandsk valuta<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>ransaksjoner i utenlandsk valuta omregnes til norske kroner ved transaksjonskur<span class=\"_ _0\"></span>sen p\u00e5 balansetidspunktet. Gevinst og tap knyttet til gjennomf\u00f8rte transaksjoner eller til omregning av beholdninger a<span class=\"_ _0\"></span>v pengeposter p\u00e5 balansedagen resultatf\u00f8res. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-681": {
   "value": "Renteinntekter og \u2013k<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span>Renteinntekter og -k<span class=\"_ _0\"></span>ostnader knyttet til eiendeler og forpliktelser som m\u00e5les til amortisert kost og virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver utvidet resultat resultatf\u00f8r<span class=\"_ _0\"></span>es l\u00f8pende ba-<span class=\"_ _2cc\"> </span>sert p\u00e5 en effektiv rente-metode. Alle geb<span class=\"_ _0\"></span>yrer knyttet til renteb\u00e6rende innl\u00e5n og utl\u00e5n inng\u00e5r i ber<span class=\"_ _0\"></span>egningen av eff<span class=\"_ _0\"></span>ektiv rente og amortiseres dermed ov<span class=\"_ _0\"></span>er forven-<span class=\"_ _2cc\"> </span>tet l\u00f8petid. For renteb\u00e6r<span class=\"_ _0\"></span>ende instrumenter som m\u00e5les til virkelig verdi vil endring i mark<span class=\"_ _0\"></span>edsverdien klassifiser<span class=\"_ _0\"></span>es som netto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer<span class=\"_ _1\"></span>, mens renteelementet klassifiseres som r<span class=\"_ _0\"></span>enteinntekt. For utl\u00e5n ov<span class=\"_ _0\"></span>erf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3 er inntektsf\u00f8ring av r<span class=\"_ _0\"></span>enter p\u00e5 utl\u00e5n basert p\u00e5 netto utl\u00e5n, og inntektsf\u00f8ring av renter p\u00e5 utl\u00e5n i T<span class=\"_ _1\"></span>rinn 1 og 2 er basert p\u00e5 brutto utl\u00e5n",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-678": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1e8\">Provisjonsinntekter og -k<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1e9\">Provisjonsinntekter og \u2013k<span class=\"_ _0\"></span>ostnader blir generelt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ea\">periodisert i takt med at en tjeneste blir ytt. Gebyrer </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1eb\">knyttet til renteb\u00e6rende instrumenter blir ikk<span class=\"_ _0\"></span>e f\u00f8rt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ec\">som provisjoner<span class=\"_ _141\"></span>, men inng\u00e5r i beregningen av effektiv </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ed\">rente og resultatf\u00f8r<span class=\"_ _0\"></span>es tilsvarende. Garantipro<span class=\"_ _0\"></span>visjoner </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ee\">blir beregnet som et fastbel\u00f8p per garanti utstedt og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1ef\">inntektsf\u00f8res i takt med opptjening. Honorar og gebyr </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f0\">ved omsetning eller formidling a<span class=\"_ _0\"></span>v finansielle instrumen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f1\">ter<span class=\"_ _1\"></span>, eiendom eller andre investeringsobjekter som ikke </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f2\">genererer balanseposter i k<span class=\"_ _0\"></span>onsernets regnskap, r<span class=\"_ _0\"></span>esul-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f3\">tatf\u00f8res n\u00e5r transaksjonen sluttf\u00f8res. Bank<span class=\"_ _0\"></span>en mottar </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f4\">provisjon fra Spar<span class=\"_ _0\"></span>eBank 1 Boligkreditt og Sparebank 1 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f5\">N\u00e6ringskreditt tilsvarende diff<span class=\"_ _0\"></span>eransen mellom l\u00e5nets </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f6\">rente og den finansieringskostnad Boligkr<span class=\"_ _0\"></span>editt og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f7\">N\u00e6ringskreditt oppn\u00e5r med tillegg av et administrativt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f8\">p\u00e5slag. I bankens regnsk<span class=\"_ _0\"></span>ap fremkommer dette som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1f9\">provisjonsinntekter<span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1fa\">Andre driftsinntekter<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1fb\">I andre driftsinntekter inng\u00e5r inntekter i eiendomsme-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1fc\">glervirksomheten og regnskapstjenester som ytes i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1fd\">konsernet. Andre driftsinntekter blir generelt periodi-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs1fe\">sert i takt med at en tjeneste blir levert. </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs1ff\">T<span class=\"_ _1\"></span>ransaksjoner og beholdninger i utenlandsk valuta<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs200\">T<span class=\"_ _1\"></span>ransaksjoner i utenlandsk valuta omregnes til norske </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs201\">kroner ved transaksjonskur<span class=\"_ _0\"></span>sen p\u00e5 balansetidspunktet. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs202\">Gevinst og tap knyttet til gjennomf\u00f8rte transaksjoner </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs203\">eller til omregning av beholdninger a<span class=\"_ _0\"></span>v pengeposter </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs204\">p\u00e5 balansedagen resultatf\u00f8res. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-723": {
   "value": "T<span class=\"_ _1\"></span>ransaksjoner og beholdninger i utenlandsk valuta<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>ransaksjoner i utenlandsk valuta omregnes til norske kroner ved transaksjonskur<span class=\"_ _0\"></span>sen p\u00e5 balansetidspunktet. Gevinst og tap knyttet til gjennomf\u00f8rte transaksjoner eller til omregning av beholdninger a<span class=\"_ _0\"></span>v pengeposter p\u00e5 balansedagen resultatf\u00f8res. ",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-679": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs206\">Skatt<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs207\">Resultatf\u00f8rt skatt best\u00e5r a<span class=\"_ _0\"></span>v periodeskatt (betalbar </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs208\">skatt) og utsatt skatt. Periodeskatt er ber<span class=\"_ _0\"></span>egnet skatt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs209\">p\u00e5 \u00e5rets skattepliktige resultat. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-680": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs20b\">Utsatt skatt regnskapsf\u00f8r<span class=\"_ _0\"></span>es etter gjeldsmetoden i </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs20c\">samsvar med IAS 12. Det beregnes f<span class=\"_ _0\"></span>orpliktelse eller ei-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs20d\">endel ved utsatt skatt p\u00e5 midlertidige for<span class=\"_ _0\"></span>skjeller<span class=\"_ _1\"></span>, som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs20e\">er differansen mellom balansef\u00f8rt ver<span class=\"_ _0\"></span>di og skattemes-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs20f\">sig verdi p\u00e5 eiendeler og f<span class=\"_ _0\"></span>orpliktelser<span class=\"_ _1\"></span>. Det beregnes </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs211\">likev<span class=\"_ _0\"></span>el ikke f<span class=\"_ _0\"></span>orpliktelse eller eiendel ved utsatt skatt p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs212\">goodwill som ikke gir skattemessige fradrag, og heller </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs213\">ikke p\u00e5 f\u00f8rstegangsinnr<span class=\"_ _0\"></span>egnede poster som verken </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs214\">p\u00e5virker regnsk<span class=\"_ _0\"></span>apsmessig eller skattepliktig resultat.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs215\">Det beregnes en eiendel ved utsatt skatt p\u00e5 fr<span class=\"_ _0\"></span>emf\u00f8r-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs216\">bare skattemessige underskudd. Eiendel v<span class=\"_ _0\"></span>ed utsatt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs217\">skatt innregnes bare i det omf<span class=\"_ _0\"></span>ang det forventes </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs218\">fremtidig skattepliktige resultater som gj\u00f8r det mulig \u00e5 </div>skattef<span class=\"_ _0\"></span>ordelen.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-682": {
   "value": "<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs21a\">Formueskatt blir presentert som driftsk<span class=\"_ _0\"></span>ostnad i kon-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs21b\">sernets regnskap.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTaxesOtherThanIncomeTaxExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-684": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs21d\">Gjeld ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gsb8\">L\u00e5n innregnes f\u00f8rstegang til opptaksk<span class=\"_ _0\"></span>ost. Dette er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs21e\">virkelig ver<span class=\"_ _0\"></span>di av det mottatte vederlaget etter fradrag </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs220\">av transaksjonsutgifter<span class=\"_ _141\"></span>. L\u00e5n m\u00e5les deretter til amortisert<span class=\"_ _3\"></span> </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs221\">kost. Enhver f<span class=\"_ _0\"></span>orskjell mellom opptakskost og opp<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs222\">gj\u00f8rsbel\u00f8pet ved f<span class=\"_ _0\"></span>orfall blir dermed periodisert over </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs223\">l\u00e5netiden ved hjelp av l\u00e5nets eff<span class=\"_ _0\"></span>ektive rente. L\u00e5n med </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs1a\">fastrente sikringsbokf\u00f8res (virk<span class=\"_ _0\"></span>elig verdi sikring). Det </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls1 ws0 gs1b\">benyttes ikke virk<span class=\"_ _0\"></span>elig verdi opsjon f<span class=\"_ _0\"></span>or konsernets gjeld.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBorrowingsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-725": {
   "value": "Enhver f<span class=\"_ _0\"></span>orskjell mellom opptakskost og opp<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>gj\u00f8rsbel\u00f8pet ved f<span class=\"_ _0\"></span>orfall blir dermed periodisert over l\u00e5netiden ved hjelp av l\u00e5nets eff<span class=\"_ _0\"></span>ektive rente.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-683": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs226\">Usikre forpliktelser<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs227\">Banken utsteder finansielle garantier som ledd i den </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs228\">ordin\u00e6re virksomheten. T<span class=\"_ _141\"></span>apsvurderinger skjer som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs229\">ledd i vurderingen av tap p\u00e5 utl\u00e5n og etter de samme </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs22a\">prinsipper og rapporteres sammen med disse. Det </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs22b\">foretas a<span class=\"_ _0\"></span>vsetninger for andr<span class=\"_ _0\"></span>e usikre forpliktelser der-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs22c\">som det er sannsynlighetsovervekt f<span class=\"_ _0\"></span>or at forpliktelsen </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs22d\">materialiserer seg og de \u00f8konomisk<span class=\"_ _0\"></span>e konsekv<span class=\"_ _0\"></span>ensene </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs22e\">kan beregnes p\u00e5litelig. Det gis opplysninger om usikr<span class=\"_ _0\"></span>e </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs230\">forpliktelser som ikk<span class=\"_ _0\"></span>e fyller kriteriene for balansef\u00f8ring </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs231\">dersom de er vesentlige. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForWarrantsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-685": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs233\">Pensjoner<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs234\">SpareBank 1 Ringerike Hadeland k<span class=\"_ _0\"></span>onsernet har eta-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs235\">blert ulike pensjonsordninger f<span class=\"_ _0\"></span>or sine ansatte. Pen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs236\">sjonsordningene tilfredsstiller kra<span class=\"_ _0\"></span>vene om obligatorisk </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs237\">tjenestepensjon.  </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs238\">Ytelsesbasert ordning<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs239\">I en ytelsesbasert ordning er arbeidsgiver f<span class=\"_ _0\"></span>orpliktet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs23a\">til \u00e5 yte pensjon av n\u00e6rmere angitt st\u00f8rr<span class=\"_ _0\"></span>else. Ut-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs23b\">gangspunktet for beregning a<span class=\"_ _0\"></span>v pensjonskostnader er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs23c\">line\u00e6r fordeling a<span class=\"_ _0\"></span>v pensjonsopptjening mot sannsynlig </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs23d\">akkumulert forpliktelse ved pensjoneringstidspunktet. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs23e\">Kostnadene ber<span class=\"_ _0\"></span>egnes ut fra \u00e5rets p\u00e5l\u00f8pte pensjons-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs23f\">rettigheter og rentek<span class=\"_ _0\"></span>ostnader p\u00e5 tidligere p\u00e5l\u00f8pte </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3c\">rettigheter<span class=\"_ _1\"></span>, fratrukket avk<span class=\"_ _0\"></span>astning p\u00e5 pensjonsmidlene </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3d\">og periodisert arbeidsgiverav<span class=\"_ _0\"></span>gift. Pensjonsforpliktel-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3e\">sene beregnes som n\u00e5ver<span class=\"_ _0\"></span>dien av estimerte fremtidige </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs3f\">pensjonsytelser som regnskapsmessig anses opptjent </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs40\">p\u00e5 balansedagen. V<span class=\"_ _0\"></span>ed beregning a<span class=\"_ _0\"></span>v pensjonsfor-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs240\">pliktelsene benyttes aktuarmessige og \u00f8konomisk<span class=\"_ _0\"></span>e </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs241\">forutsetninger om blant annet lev<span class=\"_ _0\"></span>ealder<span class=\"_ _1\"></span>, l\u00f8nnsvekst og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs242\">uttakstilb\u00f8yelighet. Konsernet benytter \u00f8k<span class=\"_ _0\"></span>onomiske </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws7 gs243\">forutsetninger som anbefalt a<span class=\"_ _0\"></span>v Norsk Regnsk<span class=\"_ _0\"></span>apsstiftel<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs244\">se. Konsernet har benyttet K2013BE som tabell f<span class=\"_ _0\"></span>or le-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs245\">vetidsalder utarbeidet av Gabler<span class=\"_ _141\"></span>. T<span class=\"_ _1\"></span>abellen gir styrkede </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws2 gs246\">forutsetninger f<span class=\"_ _0\"></span>or levetid enn K2013, men er mer f<span class=\"_ _0\"></span>orsik<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs247\">tig enn finanstilsynets d\u00f8delighetsmodell K2013FT<span class=\"_ _141\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs248\">Endring i pensjonsplaner resultatf\u00f8res v<span class=\"_ _0\"></span>ed planen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs249\">dringstidspunktet. Pensjonskostnaden er basert p\u00e5 </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs24a\">forutsetninger fastsatt v<span class=\"_ _0\"></span>ed periodens begynnelse og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs24b\">klassifiseres som personalk<span class=\"_ _0\"></span>ostnader i regnskapet. Det </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs24c\">avsettes arbeidsgiv<span class=\"_ _0\"></span>eravgift p\u00e5 pensjonsk<span class=\"_ _0\"></span>ostnader og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs24d\">pensjonsforpliktelser<span class=\"_ _1\"></span>. Estimatavvik resultatf\u00f8r<span class=\"_ _0\"></span>es over </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs24e\">konsernets totalresultat. </div>Konsernets ytelsesbaserte ordninger er lukk<span class=\"_ _0\"></span>et for ny<span class=\"_ _0\"></span>e ansatte. Innskuddsbasert ordning<span class=\"_ _2cc\"> </span>Innskuddsbaserte pensjonsordninger inneb\u00e6rer at konsernet ikk<span class=\"_ _0\"></span>e gir l\u00f8fte om fremtidig pensjon av en gitt st\u00f8rrelse, men betaler et \u00e5rlig tilskudd til de ansattes pensjonssparing. Den fremtidige pensjonen vil avhenge a<span class=\"_ _0\"></span>v st\u00f8rrelsen p\u00e5 tilskuddet og den \u00e5rlige avkastningen p\u00e5 pensjonssparingen. K<span class=\"_ _0\"></span>onsernet har ingen ytterligere forpliktelser knyttet til le<span class=\"_ _0\"></span>vert arbeids-<span class=\"_ _2cc\"> </span>innsats etter at det \u00e5rlige innskuddet er betalt. Det er ingen avsetning f<span class=\"_ _0\"></span>or p\u00e5l\u00f8pte pensjonsforpliktelser i slike ordninger<span class=\"_ _141\"></span>. Innskuddsbaserte pensjonsordninger kostnadsf\u00f8res dir<span class=\"_ _0\"></span>ekte.<span class=\"_ _2cc\"> </span>Konsernet har tilbudt innskuddsbasert pensjonsord-<span class=\"_ _2cc\"> </span>ning for sine ansatte siden 1. juli 2010.<span class=\"_ _2cc\"> </span>Pensjonsa<span class=\"_ _0\"></span>vtaler finansiert direkte over driften<span class=\"_ _2cc\"> </span>Banken har ogs\u00e5 pensjonsa<span class=\"_ _0\"></span>vtaler finansiert direkte over driften. Basert p\u00e5 f<span class=\"_ _0\"></span>orsikringstekniske prinsipper beregnes n\u00e5ver<span class=\"_ _0\"></span>dien av antatt fremtidige pensjons-<span class=\"_ _2cc\"> </span>ytelser<span class=\"_ _1\"></span>. Disse pensjonsforpliktelsene er avsatt som langsiktig gjeld i regnskapet.<span class=\"_ _2cc\"> </span>Avtalef<span class=\"_ _0\"></span>estet f\u00f8rtidspensjon<span class=\"_ _2cc\"> </span>Bank- og finansn\u00e6ringen har inng\u00e5tt avtale om a<span class=\"_ _0\"></span>vta-<span class=\"_ _2cc\"> </span>lefestet pensjon (AFP). Ordningen dekk<span class=\"_ _0\"></span>er f\u00f8rtidspen-<span class=\"_ _2cc\"> </span>sjon fra 62 til 67 \u00e5r<span class=\"_ _1\"></span>. Bankens ansvar er 100 prosent a<span class=\"_ _0\"></span>v pensjonen som utbetales mellom 62 og 64 \u00e5r og 60 prosent av pensjonen som utbetales mellom 65 og 67 \u00e5r<span class=\"_ _1\"></span>. Opptak av nye pensjonister opph\u00f8rte med virkning fra 31. desember 2010.<span class=\"_ _2cc\"> </span>Lov om statstilskudd til arbeidstak<span class=\"_ _0\"></span>ere som tar ut av-<span class=\"_ _2cc\"> </span>talefestet pensjon i privat sektor (AFP-tilskuddslov<span class=\"_ _0\"></span>en) tr\u00e5dte i kraft 19. februar 2010. Arbeidstak<span class=\"_ _0\"></span>ere som tar ut AFP med virkningstidspunkt i 2011 eller senere, vil bli gitt ytelser etter den nye ordningen. Ny AFP-or<span class=\"_ _0\"></span>d<span class=\"_ _2cc\"> </span>ning utgj\u00f8r et livsvarig p\u00e5slag p\u00e5 Folk<span class=\"_ _0\"></span>etrygden og kan tas ut fra 62 \u00e5r<span class=\"_ _1\"></span>. Arbeidstakere tjener \u00e5rlig opp rett til AFP med 0,314 % av pensjonsgivende inntekt opp til 7<span class=\"_ _141\"></span>,<span class=\"_ _0\"></span>1G frem til 62 \u00e5r<span class=\"_ _1\"></span>. Opptjening i ny ordning beregnes p\u00e5 bakgrunn a<span class=\"_ _0\"></span>v arbeidstakerens livsinntekt, slik at alle tidligere arbeids\u00e5r innregnes i opptjeningsgrunnlaget.<span class=\"_ _2cc\"> </span>Den nye AFP-ordningen anses r<span class=\"_ _0\"></span>egnskapsmessig \u00e5 v\u00e6re en ytelsesbasert flerforetaksor<span class=\"_ _0\"></span>dning. Dette inne<span class=\"_ _2cc\"> </span>proporsjonale andel a<span class=\"_ _0\"></span>v ordningens pensjonsforpliktel-<span class=\"_ _2cc\"> </span>se, pensjonsmidler og pensjonskostnad. Dersom det ikke f<span class=\"_ _0\"></span>oreligger beregninger a<span class=\"_ _0\"></span>v de enkelte komponen-<span class=\"_ _2cc\"> </span>tene i ordningen og et konsistent og p\u00e5litelig grunnlag for allok<span class=\"_ _0\"></span>ering, regnskapsf\u00f8res den ny<span class=\"_ _0\"></span>e AFP-ordningen som en innskuddsordning. P\u00e5 det n\u00e5v\u00e6rende tids-<span class=\"_ _2cc\"> </span>punkt foreligger det ikk<span class=\"_ _0\"></span>e slikt grunnlag, og den nye AFP-ordningen regnskapsf\u00f8r<span class=\"_ _0\"></span>es derfor som en inn-<span class=\"_ _2cc\"> </span>skuddsordning. R<span class=\"_ _0\"></span>egnskapsf\u00f8ring av ny AFP-ordning som ytelsesordning vil f\u00f8rst skje n\u00e5r p\u00e5litelig m\u00e5ling og allokering kan f<span class=\"_ _0\"></span>oretas. Ny ordning skal finansier<span class=\"_ _0\"></span>es ved at Staten dekker 1/3 a<span class=\"_ _0\"></span>v pensjonsutgiftene og 2/3 skal dekkes a<span class=\"_ _0\"></span>v arbeidsgiverne. Arbeidsgivernes pr<span class=\"_ _0\"></span>e-<span class=\"_ _2cc\"> </span>mie skal fastsettes som en prosentandel a<span class=\"_ _0\"></span>v l\u00f8nnsutbe-<span class=\"_ _2cc\"> </span>talinger mellom 1G og 7<span class=\"_ _141\"></span>,<span class=\"_ _0\"></span>1G<div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs250\">I tr\u00e5d med anbefalingen fra Norsk R<span class=\"_ _0\"></span>egnskapsstiftel-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs251\">se er det i regnskaps\u00e5ret ikk<span class=\"_ _0\"></span>e for<span class=\"_ _0\"></span>etatt avsetning f<span class=\"_ _0\"></span>or </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs252\">konsernets reelle AFP-f<span class=\"_ _0\"></span>orpliktelse. Dette skyldes at </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs253\">Felleskontor<span class=\"_ _0\"></span>et for L<span class=\"_ _1\"></span>O/NHO s\u00e5 langt ikke har foretatt </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs254\">de n\u00f8dvendige beregninger<span class=\"_ _141\"></span>. </div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-686": {
   "value": "<div class=\"t m0 h4 ff1 fs3 fc3 sc0 ls0 ws0 gs256\"> <span class=\"ff2\">Segmentrapportering<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs257\">SpareBank 1 Ringerike Hadeland har Privatmark<span class=\"_ _0\"></span>ed </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs258\">(privatkunder og mindre bedriftsengasjementer) og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs259\">Bedriftsmarked (BM, st\u00f8rre engasjementer), i tillegg til </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs25b\">eiendomsmeglervirksomhet samt IT<span class=\"_ _1\"></span>- og regnskapstje-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs25c\">nester<span class=\"_ _1\"></span>, som sitt prim\u00e6re rapporteringsformat. Kon-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs25d\">sernet presenterer en sektor- og n\u00e6ringsf<span class=\"_ _0\"></span>ordeling av </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs25e\">utl\u00e5n og innskudd som sitt sekund\u00e6re rapporterings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs25f\">format, hvor \u00abk<span class=\"_ _0\"></span>ey decision maker\u00bb er definert som </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs260\">konsernets ledergruppe. K<span class=\"_ _0\"></span>onsernets segmentrappor-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs261\">tering er i samsvar med IFRS 8.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-687": {
   "value": "<div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs263\">Utbytte og gav<span class=\"_ _0\"></span>er<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs264\">Foresl\u00e5tt utb<span class=\"_ _0\"></span>ytte p\u00e5 egenkapitalbevis og gav<span class=\"_ _0\"></span>er pre-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs265\">senteres som egenkapital i perioden frem til det er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs266\">vedtatt av bank<span class=\"_ _0\"></span>ens representantsk<span class=\"_ _0\"></span>ap.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDividendsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-629": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs268\">Note 3 \u2013 Kritiske estimater og vur<span class=\"_ _0\"></span>deringer vedr\u00f8r<span class=\"_ _0\"></span>ende bruk </div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs269\">                av r<span class=\"_ _0\"></span>egnskapsprinsipper<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs26a\">V<span class=\"_ _0\"></span>ed utarbeidelse av selskaps- og k<span class=\"_ _0\"></span>onsernregnskapet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs26b\">foretar ledelsen estimater<span class=\"_ _141\"></span>, skj\u00f8nnsmessige vurderinger </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs26c\">og forutsetninger som p\u00e5virk<span class=\"_ _0\"></span>er effekten av anv<span class=\"_ _0\"></span>endelsen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs26d\">av regnsk<span class=\"_ _0\"></span>apsprinsipper og informasjon i noter<span class=\"_ _1\"></span>. Dette </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs26e\">vil derfor p\u00e5virke r<span class=\"_ _0\"></span>egnskapsf\u00f8rte bel\u00f8p for eiendeler<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs26f\">forpliktelser<span class=\"_ _1\"></span>, inntekter og kostnader og noteopplysnin<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs270\">ger<span class=\"_ _1\"></span>. Estimater og skj\u00f8nnsmessige vurderinger evalueres </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs271\">l\u00f8pende og er basert p\u00e5 historisk erfaring og forventnin<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs272\">ger om fremtidige hendelser som anses \u00e5 v\u00e6re sannsyn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs273\">lige p\u00e5 balansetidspunktet. Faktiske resultater vil a<span class=\"_ _0\"></span>vvike </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs274\">fra de estimerte st\u00f8rrelser<span class=\"_ _1\"></span>. Postene omtalt under er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs275\">utvalgte poster hvor det utvises st\u00f8rst grad a<span class=\"_ _0\"></span>v skj\u00f8nn.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs276\">T<span class=\"_ _141\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs277\">Det vises til note 2 for en detaljert beskrivelse a<span class=\"_ _0\"></span>v an-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs278\">vendt tapsmodell i henhold til IFRS 9. Modellen inne-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs279\">holder flere kritiske estimater<span class=\"_ _141\"></span>. De viktigste er knyttet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs27a\">til definisjonen av vesentlig \u00f8kt kr<span class=\"_ _0\"></span>edittrisiko og viktige </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs27b\">forutsetninger i den generelle tapsmodellen.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs27c\">V<span class=\"_ _0\"></span>esentlig \u00f8kt kredittrisik<span class=\"_ _0\"></span>o </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs27d\">M\u00e5lingen av nedskrivingen f<span class=\"_ _0\"></span>or forventet tap i den </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs27e\">generelle tapsmodellen avhenger a<span class=\"_ _0\"></span>v om kredittrisik<span class=\"_ _0\"></span>oen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs27f\">har \u00f8kt vesentlig siden f\u00f8rste gangs balansef\u00f8ring. Kre-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs280\">dittforverringen m\u00e5les ved utviklingen i \u00f8k<span class=\"_ _0\"></span>onomisk PD. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs281\">\u00d8konomisk PD er bank<span class=\"_ _0\"></span>ens beste vurdering av kundens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs282\">misligholdsrisiko. Bank<span class=\"_ _0\"></span>en definerer at en vesentlig grad </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs283\">av kredittf<span class=\"_ _0\"></span>orverring inntreff<span class=\"_ _0\"></span>er n\u00e5r kundens PD har \u00f8kt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs284\">med over 150 pr<span class=\"_ _0\"></span>osent til et PD-niv\u00e5 over 0,60 prosent. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs285\">I tillegg anses kredittrisikoen v\u00e6r<span class=\"_ _0\"></span>e vesentlig \u00f8kt n\u00e5r en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs286\">konto er i ov<span class=\"_ _0\"></span>ertrekk eller har restanse p\u00e5 30 dager eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs287\">mer<span class=\"_ _1\"></span>, kunden har PD over 10 prosent, samt n\u00e5r kunden </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs288\">er satt til s\u00e6rlig oppf\u00f8lging. </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs289\">Sensitivitetsanalyse<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs28a\">Banken har simulert effekter a<span class=\"_ _0\"></span>v \u00e5 endre p\u00e5 f<span class=\"_ _0\"></span>orutsetnin-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs28b\">gene de ulike scenarioene. Det er simulert effekten a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs28c\">\u00e5 \u00f8ke PD- og L<span class=\"_ _1\"></span>GD estimatene f\u00f8rste \u00e5r (andre forhold </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs28d\">er holdt like). Simulering hvis PD \u00f8k<span class=\"_ _0\"></span>er med 100 prosent </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs28e\">(andre forhold er holdt lik<span class=\"_ _0\"></span>e) tilsier at niv\u00e5et p\u00e5 forventet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs28f\">tap endres vesentlig. F<span class=\"_ _0\"></span>orventet tap p\u00e5 utl\u00e5n i morban-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs290\">ken \u00f8k<span class=\"_ _0\"></span>er med 59 mill. kroner (+44 prosent). Eff<span class=\"_ _0\"></span>ekten av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs291\">migrering er ikke inkludert her<span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs292\">Tilsvarende simulering hvis L<span class=\"_ _1\"></span>GD \u00f8ker med 100 prosent </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs293\">(andre forhold er holdt lik<span class=\"_ _0\"></span>e). Simuleringen tilsier at niv\u00e5-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs294\">et p\u00e5 forventet tap endres v<span class=\"_ _0\"></span>esentlig ogs\u00e5 her<span class=\"_ _1\"></span>. Forven-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs295\">tet tap p\u00e5 utl\u00e5n i morbanken \u00f8k<span class=\"_ _0\"></span>er med 84 mill. kroner </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs296\">(+63 prosent).<span class=\"_ _2cc\"> </span></div><table class=\"s w1d4 h30\" id=\"_6364aa2a-b22c-4b65-ad0f-f63baadd70d1\"><tr><td></td><td class=\"c n x441 yf2a w1d5 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x442 yf2a w1d6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x443 yf2a w1d7 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w1d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Endring av PD niv\u00e5 med 100%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x444 yf2b w1d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x445 yf2b wc9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x446 yf2b w1da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">59<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w1db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 ws0\">Endring av L<span class=\"_ _0\"></span>GD-niv\u00e5 med 100%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x447 yf2c w1dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">73<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x448 yf2c w1dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x449 yf2c w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls9 wsb\">84<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w1de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44a ye84 w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44b ye84 w1df h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">19<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44c ye84 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls9 wsb\">143<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs298\">Scenariovekting og estimat p\u00e5 f<span class=\"_ _0\"></span>orventet utvikling p\u00e5 </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs299\">misligholds- og tapsniv\u00e5<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs29a\">Den generelle tapsmodellen beregner f<span class=\"_ _0\"></span>orventet tap </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs29b\">under tre scenarier for \u00f8k<span class=\"_ _0\"></span>onomisk utvikling; Scenario 1, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs29c\">Scenario 2 og Scenario 3. Scenarioene benytter fremti-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs29d\">dige prognoser p\u00e5 arbeidsledighet og renteniv\u00e5 f<span class=\"_ _0\"></span>or \u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs29e\">beregne misligholdsrisiko (PD). T<span class=\"_ _141\"></span>ap gitt mislighold (L<span class=\"_ _0\"></span>GD) </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs29f\">beregnes basert p\u00e5 prognoser p\u00e5 utvikling i sikk<span class=\"_ _0\"></span>erhets-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a0\">verdier<span class=\"_ _141\"></span>. som er de viktigste forutsetningene for bereg-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a1\">ningene av f<span class=\"_ _0\"></span>orventet tap (ECL). </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a2\">Scenario 1 er forventet utvikling, og de makro\u00f8k<span class=\"_ _0\"></span>ono-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a3\">miske prognosene i Nor<span class=\"_ _0\"></span>ges Bank Pengepolitisk rapport </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a4\">4/25 er lagt til grunn. Arbeidsledigheten forventes </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a5\">\u00e5 \u00f8ke litt de neste to \u00e5rene f\u00f8r den f<span class=\"_ _0\"></span>aller tilbake og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a6\">stabilserer seg p\u00e5 et niv\u00e5 tilsvarende de niv\u00e5ene vi s\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a7\">ved inngangen til \u00e5ret. R<span class=\"_ _0\"></span>entebanen tilsier en gradvis </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a8\">nedgang til rundt 3,5 prosent i 2028. Prisutvikling p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2a9\">sikkerheter i BM-segmentet f<span class=\"_ _0\"></span>orventes \u00e5 \u00f8ke svakt gjen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2aa\">nom prognoseperioden. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ab\">Scenario 2 reflekterer en kraftig f<span class=\"_ _0\"></span>orverring av makro-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ac\">forutsetningene, med et raskt \u00f8k<span class=\"_ _0\"></span>ende renteniv\u00e5, \u00f8kt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ad\">arbeidsledighet og fallende sikkerhetsv<span class=\"_ _0\"></span>erdier<span class=\"_ _1\"></span>. Bankens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ae\">Scenario 2 er basert p\u00e5 Finanstilsynets Finansielt Utsyn </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2af\">06/25 framskrev<span class=\"_ _0\"></span>et fra dagens rente-, arbeidsledighets- </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b0\">og sikkerhetsv<span class=\"_ _0\"></span>erdiniv\u00e5. Scenario <span class=\"_ _6c\"></span>vektingen er gjenstand </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b1\">for l\u00f8pende vurdering basert p\u00e5 tilgjengelig inf<span class=\"_ _0\"></span>orma-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b2\">sjon.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b3\">Scenario 3 reflekterer en flat utvikling i r<span class=\"_ _0\"></span>ente- og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b4\">arbeidsledighetsprognosene gjennom perioden. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b5\">Prisutvikling i BM-segmentet er forventet \u00e5 \u00f8k<span class=\"_ _0\"></span>e med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b6\">inflasjonsm\u00e5let \u00e5rlig. Etterslep i boligbygging f<span class=\"_ _0\"></span>orventes </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b7\">\u00e5 bidra til at prisveksten p\u00e5 boliger er noe h\u00f8y<span class=\"_ _0\"></span>ere. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b8\">Gjennom \u00e5ret er scenariov<span class=\"_ _0\"></span>ekting p\u00e5 80-10-<span class=\"_ _0\"></span>10 opprett-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2b9\">holdt som tidligere, da banken ikk<span class=\"_ _0\"></span>e har identifisert en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ba\">endring i de makro\u00f8konomisk<span class=\"_ _0\"></span>e forholdene som tilsier </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2bb\">at vektingen burde endr<span class=\"_ _0\"></span>es. Bankens modellov<span class=\"_ _0\"></span>erstyrin-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2bc\">ger og skj\u00f8nnsmessige tilpasninger beskrives under </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2bd\">\u00abfaktisk utvikling\u00bb. </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs2c1\">Sensitivitet scenariovekting<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c2\">En 10%-poengs reduksjon i sannsynlighet f<span class=\"_ _0\"></span>or Scenario 1 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c3\">og tilsvarende 10%-poengs \u00f8kning i sannsynligheten f<span class=\"_ _0\"></span>or </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c4\">stress-scenariet (Scenario 2) resulterte i \u00f8kte tapsa<span class=\"_ _0\"></span>v-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c5\">setninger p\u00e5 ca. 14,2 mill.kr<span class=\"_ _1\"></span>. Dette illustrerer sensitivi-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c6\">teten ved en h\u00f8yer<span class=\"_ _0\"></span>e vekting av sannsynlighet f<span class=\"_ _0\"></span>or at </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c7\">stress-scenariet sl\u00e5r til.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c8\">En 10%-poengs reduksjon i sannsynlighet f<span class=\"_ _0\"></span>or ba-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2c9\">sis-scenariet og tilsvarende 10 %-poengs \u00f8kning i sann-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ca\">synlighet for det beste scenariet (Scenario 3) r<span class=\"_ _0\"></span>esulterer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2cb\">i \u00f8kte tapsavsetninger p\u00e5 1,6 mill.kr<span class=\"_ _141\"></span>. Dette illustrerer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2cc\">sensitiviteten ved en h\u00f8yer<span class=\"_ _0\"></span>e vekting av sannsynlighet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2cd\">for at Scenario 3 sl\u00e5r til.  </div><table class=\"s w1e1 h31\" id=\"_5e440e60-16d2-4c05-8f33-40e162560e0d\"><tr><td></td><td class=\"c n x44e yf2d w1e2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x44f yf2d w1e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x450 yf2d w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2e w1e5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ECL i forventet scenario (Base case)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x451 yf2e w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x452 yf2e wc5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x453 yf2e w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2f w1e7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ECL i nedsidescenario (W<span class=\"_ _0\"></span>orst case)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x454 yf2f w68 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x455 yf2f wc7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x456 yf2f w18 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">260<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf30 w1e8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ECL i oppsidescenario (Best case)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x457 yf30 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">112<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x458 yf30 w122 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x459 yf30 w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">134<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha yf31 ff4 fs7 fc3 sc0 ls0 ws0\">ECL med anvendt scenariov<span class=\"_ _0\"></span>ekting<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf32 w1ea h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">80/10/10 *)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45b yf32 w1eb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">111<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45c yf32 wda h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45d yf32 w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">134<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha yf33 ff4 fs7 fc3 sc0 ls0 ws0\">ECL med alternativ scenariovekting<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf34 w1ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70/20/10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45e yf34 w1ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x45f yf34 w1ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x460 yf34 w1ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">148<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha yf35 ff4 fs7 fc3 sc0 ls0 ws0\">ECL med alternativ scenariovekting<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye84 w1ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70/10/20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x461 ye84 w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">112<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x462 ye84 w1f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x463 ye84 w1f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">135<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs2cf\">Faktisk utvikling<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d0\">Vi har over tid observert h\u00f8y prisv<span class=\"_ _0\"></span>ekst i Norge, med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d1\">\u00f8kte konsumpriser og l\u00f8nnsv<span class=\"_ _0\"></span>ekst som resultat. Det er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d2\">fortsatt n\u00f8dvendig med en innstrammende penge-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d3\">politikk, og dersom renten settes ned f<span class=\"_ _0\"></span>or raskt kan </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d4\">prisveksten bli liggende o<span class=\"_ _0\"></span>ver m\u00e5let for lenge. Nor<span class=\"_ _0\"></span>ges </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d5\">Bank har senket styringsrenten fra 4,5 pr<span class=\"_ _0\"></span>osent ved inn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d6\">gangen til \u00e5ret til 4,0 prosent gjennom r<span class=\"_ _0\"></span>enteendringer i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d7\">juni og september 2025. Det er h\u00f8y grad av usikk<span class=\"_ _0\"></span>erhet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2d8\">knyttet b\u00e5de til den \u00f8konomisk<span class=\"_ _0\"></span>e utviklingen og u<span class=\"_ _0\"></span>sik<span class=\"_ _0\"></span>ke<span class=\"_ _0\"></span>r-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2d9\">het rundt n\u00e5r<span class=\"_ _1\"></span>, og i hvor stor grad effekten av r<span class=\"_ _0\"></span>enteniv\u00e5et </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2da\">vil bli synlig i kredittmodellen, enten gjennom atf<span class=\"_ _0\"></span>erdsvari<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2db\">abler eller regnskapstall f<span class=\"_ _0\"></span>or bedrifter<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2dc\">Bankens BM og PM a<span class=\"_ _0\"></span>vdelinger har i l\u00f8pet \u00e5ret, som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2dd\">tidligere, gjennomf\u00f8rt kvartalsvise engasjementsgjen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2de\">nomganger med vurdering av kr<span class=\"_ _0\"></span>edittrisikoen som f\u00f8lge </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2df\">av dagens mark<span class=\"_ _0\"></span>edssituasjon - og fordi det er grunn </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e0\">til \u00e5 tro at effekter a<span class=\"_ _0\"></span>v et fortsatt h\u00f8yt renteniv\u00e5 vil sl\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e1\">inn i kredittmodellene med for<span class=\"_ _0\"></span>sinkelse Banken valgte \u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e2\">opprettholde den skj\u00f8nnsmessige tilleggsav<span class=\"_ _0\"></span>setningen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e3\">p\u00e5 12,5 mill. kr<span class=\"_ _1\"></span>. i p\u00e5vente av at vi ser bedring i atfer<span class=\"_ _0\"></span>dsva-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e4\">riabler som f\u00f8lge av bedring i \u00f8k<span class=\"_ _0\"></span>onomiske rammevilk\u00e5r<span class=\"_ _141\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e5\">Videre er bankens modell f<span class=\"_ _0\"></span>or beregning a<span class=\"_ _0\"></span>v forventede </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e6\">tap oppdatert og grunnet kalibrering av L<span class=\"_ _1\"></span>GD-estimater </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e7\">ble tapsavsetningene r<span class=\"_ _0\"></span>edusert med om lag 17 mill. kr<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2e8\">ved ikrafttredelse a<span class=\"_ _0\"></span>v ny modell. </div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs2e9\">Virkelig ver<span class=\"_ _0\"></span>di egenkapitalinteresser<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2ea\">M\u00e5ling av virk<span class=\"_ _0\"></span>elig verdi p\u00e5 aksjer som ikk<span class=\"_ _0\"></span>e omsettes i et </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2eb\">aktivt marked vil bestemmes ved \u00e5 bruk<span class=\"_ _0\"></span>e en av f\u00f8lgende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2ec\">verdsettelsesmetoder: (i) siste kjente transaksjonskurs, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2ed\">(ii) resultat per aksje, (iii) utbytte per aksje, (<span class=\"_ _3\"></span>iv) rappor<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2ee\">tert EBITDA f<span class=\"_ _0\"></span>or underliggende aksjeselskap og (v) siste </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2ef\">kjente transaksjonskurs p\u00e5 sammenlignbare instrumenter<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs2f0\">Slike ver<span class=\"_ _0\"></span>dsettelser vil v\u00e6re beheftet med usikkerhet. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-630": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs2f3\">Note 4 \u2013 Segmentinformasjon<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2f4\">Inndelingen i segmentene som beskrev<span class=\"_ _0\"></span>et under er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2f5\">knyttet til den m\u00e5ten konsernet styres og f\u00f8lges opp </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2f6\">p\u00e5 internt i virksomheten slik besluttet i konsernledelsen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2f7\">iht. IFRS 8. P\u00e5 balanseposter segmentrapporteres det </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2f8\">i morbanken kun p\u00e5 utl\u00e5n og innskudd. \u00d8vrige balanse-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2f9\">poster er klassifisert under \u00f8vrige. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fa\">Rapporteringen av segmenter er inndelt i f\u00f8lgende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fb\">omr\u00e5der: Privatmarked inneholder privatkunder f<span class=\"_ _0\"></span>or </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fc\">hele banken, samt mindre bedriftskunder<span class=\"_ _141\"></span>. Bedriftsmar-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fd\">ked inneholder st\u00f8rre bedriftsengasjementer<span class=\"_ _141\"></span>. Eien-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fe\">domsmegling samt IT<span class=\"_ _1\"></span>- og regnskapstjenester inne-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2ff\">holder virksomhet i datterselskaper<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs300\">Segment PM og segment BM er definert som kunder </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs301\">h\u00e5ndtert av henholdsvis PM og BM a<span class=\"_ _0\"></span>vdelingene. Det </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs302\">vil v\u00e6re kunder med BM sektor som behandles av PM </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs303\">avdelingene, og motsatt. Segmentinf<span class=\"_ _0\"></span>ormasjonen vil </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs304\">derfor ikke samsvar<span class=\"_ _0\"></span>e med note 11. Segmentnote er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs305\">utarbeidet etter samme prinsipper som \u00e5rsregnskapet. </div><table class=\"s w1f2 h32\" id=\"_d76129f3-83cb-4cc4-807e-0abd63d8d47b\"><tr><td class=\"t m0 x465 h1 yf36 ff2 fs0 fc2 sc0 ls0 ws0\">Konsern 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x466 hb yf37 ff2 fs7 fc3 sc0 ls0 ws0\">Eien-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x467 hb yf38 ff2 fs7 fc3 sc0 ls0 ws0\">Regn-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x468 hb yf39 ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige </td><td></td></tr><tr><td></td><td class=\"t m0 x469 hb yf3a ff2 fs7 fc3 sc0 lsa ws11\">Privatmar<span class=\"ls0 ws0\">-<span class=\"_ _2cc\"> </span></span></td><td class=\"t m0 x46a hb yf3a ff2 fs7 fc3 sc0 ls0 ws0\">Bedriftsmar-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46b hb yf3b ff2 fs7 fc3 sc0 ls0 ws0\">domsmeg-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46c hb yf3c ff2 fs7 fc3 sc0 ls0 ws0\">skapstje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46d hb yf3d ff2 fs7 fc3 sc0 ls0 ws0\">virksomhet/ </td><td class=\"t m0 x46e hb yf3d ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt kon-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 ha yf3e ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46f hb yf3e ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb yf3e ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x471 hb yf3f ff2 fs7 fc3 sc0 ls0 ws0\">ling<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x472 hb yf40 ff2 fs7 fc3 sc0 ls0 ws0\">nester<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x473 hb yf41 ff2 fs7 fc3 sc0 ls0 ws0\">eliminering<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x474 hb yf41 ff2 fs7 fc3 sc0 ls0 ws0\">sern<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb yf42 ff2 fs7 fc3 sc0 ls0 ws0\">RESUL<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf43 w1f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto renteinntekter og provisjon kr<span class=\"_ _0\"></span>edittforetak<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x475 yf43 w1f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">355<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x476 yf43 w1f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">448<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x477 yf43 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x478 yf43 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x479 yf43 w81 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">82<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47a yf43 w17c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">885<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf44 w1f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre provisjonsinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47b yf44 w1eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">111<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47c yf44 wf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">56<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47d yf44 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47e yf44 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x47f yf44 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x480 yf44 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">168<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf45 w1f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x481 yf45 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x482 yf45 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x483 yf45 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">71<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x484 yf45 w1f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">95<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x485 yf45 w188 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">224<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x486 yf45 w1f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">392<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf46 w1f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Driftskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x487 yf46 w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x488 yf46 w1fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">147<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x489 yf46 wc0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">57<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48a yf46 wae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">88<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48b yf46 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48c yf46 w1fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">545<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf47 w5b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r tap<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48d yf47 w1fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">216<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48e yf47 w1fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">358<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x48f yf47 w90 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x490 yf47 w117 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x491 yf47 w1ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">307<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x492 yf47 w5c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">900<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf48 w60 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x493 yf48 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x494 yf48 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x495 yf48 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x496 yf48 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x497 yf48 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x498 yf48 w5f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf49 w65 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x499 yf49 w200 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">220<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49a yf49 w201 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">358<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49b yf49 w90 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49c yf49 w117 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49d yf49 w1ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">307<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49e yf49 w66 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">905<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha yf4a ff4 fs7 fc3 sc0 ls0 ws0\">BALANSE<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf4b w202 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49f yf4b w203 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.715<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a0 yf4b w204 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.<span class=\"_ _0\"></span>146<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a1 yf4b w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a2 yf4b w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a3 yf4b w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a4 yf4b w205 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4c w206 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a5 yf4c wc4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221221<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a6 yf4c w207 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a7 yf4c w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a8 yf4c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a9 yf4c w5f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4aa yf4c w1a2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212144<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4d w208 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendring utover tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ab yf4d wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ac yf4d w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a7 yf4d w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4a8 yf4d w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ad yf4d w1bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221262<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ae yf4d w209 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4e wce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4af yf4e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b0 yf4e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b1 yf4e w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b2 yf4e w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b3 yf4e wde h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5.970<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b4 yf4e w20b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.055<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4f w20c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b5 yf4f w20d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.726<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b6 yf4f w20e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.027<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b7 yf4f w1ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b8 yf4f w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b9 yf4f w20f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5.906<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ba yf4f w210 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">32.744<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf50 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bb yf50 w211 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15.010<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bc yf50 w212 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.478<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bd yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4be yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4bf yf50 w159 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c0 yf50 w213 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22.462<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w214 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og egenkapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c1 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c2 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c3 yf51 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c4 yf51 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c5 yf51 w215 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.<span class=\"_ _1\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c6 yf51 wd7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.282<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w216 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum egenkapital og gjeld pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c7 ye84 w217 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15.010<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c8 ye84 w218 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.478<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c9 ye84 w1ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">43<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ca ye84 w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">41<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cb ye84 w219 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">10.171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cc ye84 wd4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">32.744<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w1f2 h32\" id=\"_862ec3c1-742b-44d3-8e00-569bb551ed24\"><tr><td class=\"t m0 x465 h1 yf52 ff2 fs0 fc2 sc0 ls0 ws0\">Konsern 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x466 hb yf53 ff2 fs7 fc3 sc0 ls0 ws0\">Eien-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x467 hb yf54 ff2 fs7 fc3 sc0 ls0 ws0\">Regn-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x468 hb yf55 ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige </td><td></td></tr><tr><td></td><td class=\"t m0 x469 hb yf56 ff2 fs7 fc3 sc0 lsa ws11\">Privatmar<span class=\"ls0 ws0\">-<span class=\"_ _2cc\"> </span></span></td><td class=\"t m0 x46a hb yf56 ff2 fs7 fc3 sc0 ls0 ws0\">Bedriftsmar-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46b hb yf57 ff2 fs7 fc3 sc0 ls0 ws0\">domsmeg-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46c hb yf58 ff2 fs7 fc3 sc0 ls0 ws0\">skapstje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46d hb yf59 ff2 fs7 fc3 sc0 ls0 ws0\">virksomhet/ </td><td class=\"t m0 x46e hb yf59 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt kon-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 ha yf5a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x46f hb yf5a ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb yf5a ff2 fs7 fc3 sc0 lsb ws12\">ked<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x471 hb yf5b ff2 fs7 fc3 sc0 ls0 ws0\">ling<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x472 hb yf5c ff2 fs7 fc3 sc0 ls0 ws0\">nester<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x473 hb yf5d ff2 fs7 fc3 sc0 ls0 ws0\">eliminering<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x474 hb yf5d ff2 fs7 fc3 sc0 ls0 ws0\">sern<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb yf5e ff2 fs7 fc3 sc0 ls0 ws0\">RESUL<span class=\"_ _1\"></span>T<span class=\"_ _1\"></span>A<span class=\"_ _0\"></span>T<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf43 w1f3 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Netto renteinntekter og provisjon kr<span class=\"_ _0\"></span>edittforetak<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x475 yf43 w1f4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">355<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cd yf43 w21a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">435<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ce yf43 w89 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4cf yf43 w75 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d0 yf43 w3a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">80<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d1 yf43 w21b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">871<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf44 w1f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre provisjonsinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d2 yf44 w21c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">107<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d3 yf44 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">58<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d4 yf44 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d5 yf44 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d6 yf44 w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d7 yf44 w21e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">168<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf5f w1f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto andre inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d8 yf5f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d9 yf5f w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4da yf5f w12 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">56<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4db yf5f w3e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4dc yf5f w18 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">206<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4dd yf5f w100 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">350<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf46 w1f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Driftskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4de yf46 w188 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">242<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4df yf46 w1ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e0 yf46 we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">49<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e1 yf46 w21f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">90<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e2 yf46 w1bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e3 yf46 w220 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">478<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf47 w5b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r tap<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e4 yf47 w200 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">220<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e5 yf47 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">371<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e6 yf47 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e7 yf47 w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e8 yf47 w223 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">315<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4e9 yf47 w5d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">911<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf48 w60 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ea yf48 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4eb yf48 w224 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">27<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ec yf48 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ed yf48 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ee yf48 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ef yf48 we0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf49 w65 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f0 yf49 w225 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">214<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x49a yf49 w226 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">344<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f1 yf49 w227 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f2 yf49 w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f3 yf49 w223 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">315<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f4 yf49 w228 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">877<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha yf60 ff4 fs7 fc3 sc0 ls0 ws0\">BALANSE<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yf4b w202 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f5 yf4b w229 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.540<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f6 yf4b w22a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.264<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d4 yf4b w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4d5 yf4b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f7 yf4b w198 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212158<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f8 yf4b w22b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf61 w206 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivning utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4f9 yf61 w150 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fa yf61 w22c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fb yf61 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fc yf61 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fd yf61 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4fe yf61 w22d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212145<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4d w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendring utover tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4ff yf4d w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x500 yf4d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x501 yf4d w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x502 yf4d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x503 yf4d w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x504 yf4d w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4e wce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4af yf4e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4b0 yf4e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x505 yf4e we0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x506 yf4e w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x507 yf4e w231 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.014<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x508 yf4e w232 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.085<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf4f w20c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x509 yf4f w233 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.516<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50a yf4f w234 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">12.<span class=\"_ _0\"></span>144<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50b yf4f w235 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50c yf4f w236 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50d yf4f w237 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5.805<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50e yf4f wd5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.534<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x50f yf2b wd5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14.099<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x510 yf2b w238 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x511 yf2b w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x512 yf2b w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x513 yf2b w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x514 yf2b w239 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.014<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w214 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og egenkapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c1 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c2 yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x4c3 yf51 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x515 yf51 w23a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x516 yf51 w23b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x517 yf51 w23c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.522<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w216 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum egenkapital og gjeld pr segment<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x518 ye84 w23d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">14.099<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x519 ye84 w23e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.<span class=\"_ _0\"></span>766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51a ye84 w235 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">33<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51b ye84 w236 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51c ye84 w23f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">10.600<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x51d ye84 wd5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.534<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-631": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs34b\">Note 6 \u2013 Finansiell risikostyring<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs34c\">Overor<span class=\"_ _0\"></span>dnet ansvar og kontroll<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs34d\">Kjernevirksomheten til SpareBank 1 Ringerik<span class=\"_ _0\"></span>e Hadeland </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs34e\">er \u00e5 skape verdier gjennom \u00e5 ta be<span class=\"_ _0\"></span>visst og aksepta-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs34f\">bel risiko. K<span class=\"_ _0\"></span>onsernet bruker bety<span class=\"_ _0\"></span>delige ressurser p\u00e5 \u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs350\">utvikle gode risikostyringssystemer og -pr<span class=\"_ _0\"></span>osesser<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs351\">SpareBank 1 Ringerike Hadeland sk<span class=\"_ _0\"></span>al ha en moderat risi-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs352\">kopro<span class=\"_ _0\"></span>fil. Risiko- og kapitalstyring skal st\u00f8tte opp under </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs353\">konsernets strategisk<span class=\"_ _0\"></span>e m\u00e5lbilde og bidra til oppretthol-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs354\">delse av \u00f8nsk<span class=\"_ _0\"></span>et risikoprofil. Risik<span class=\"_ _0\"></span>o- og kapitalstyringen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs355\">skal videre sikre finansiell stabilitet og f<span class=\"_ _0\"></span>orsvarlig f<span class=\"_ _0\"></span>ormu-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs356\">esforvaltning. Dette skal oppn\u00e5s gjennom:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs357\">\u2022 \u00c5 ha en tydelig bedriftskultur som kjennetegnes av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs358\">h\u00f8y bevissthet om risikostyring og k<span class=\"_ _0\"></span>onsernets verdi-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs359\">grunnlag<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs35a\">\u2022 \u00c5 ha en god forst\u00e5else a<span class=\"_ _0\"></span>v hvilke risikoer som er dri-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs35b\">vere f<span class=\"_ _0\"></span>or inntjening, kostnader og tap<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs35c\">\u2022 I st\u00f8rst mulig grad prise tjenester og produkter i tr\u00e5d </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs35d\">med underliggende risiko </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs35e\">\u2022 \u00c5 ha en tilstrekkelig soliditet sett i f<span class=\"_ _0\"></span>orhold til lang-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs35f\">siktige strategiske m\u00e5l og valgt risik<span class=\"_ _0\"></span>oprofil<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs360\">\u2022 \u00c5 utnytte diversifiseringsgevinster </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs361\">\u2022 \u00c5 unng\u00e5 at uventede enkelthendelser skader </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs362\"> <span class=\"_ _6c\"></span>konsernets finansielle stilling i alvorlig grad<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs364\">For \u00e5 sikre en eff<span class=\"_ _0\"></span>ektiv og hensiktsmessig prosess for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs365\">risiko- og kapitalstyring er virksomhetsstyringen b<span class=\"_ _0\"></span>ygget </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs366\">p\u00e5 f\u00f8lgende rammeverk:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs367\">\u2022 Konsernets strategisk<span class=\"_ _0\"></span>e m\u00e5lbilde<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs368\">\u2022 Organisering og bedriftskultur<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs369\">\u2022 Risikokartlegging<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs36a\">\u2022 Risikoanalyse<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs36b\">\u2022 Finansiell framskriving og stresstester<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 wse gs36c\">\u2022 <span class=\"_ _3\"></span>Risikostrategier (fastsettelse av risik<span class=\"_ _0\"></span>oevne og risik<span class=\"_ _0\"></span>ovilje)<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs36d\">\u2022 Kapitalstyring (inkl. avkastning og kapitaldekning)<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs36e\">\u2022 Rapportering og oppf\u00f8lging<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs36f\">\u2022 Evaluering og tiltak<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs370\">\u2022 Beredskapsplaner<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs371\">\u2022 Compliance (etterlevelse)<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs372\">Styring og kontroll omf<span class=\"_ _0\"></span>atter alle prosesser og kontr<span class=\"_ _0\"></span>oll-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs373\">tiltak som er iverksatt a<span class=\"_ _0\"></span>v konsernets ledelse for \u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs374\">sikre en effektiv f<span class=\"_ _0\"></span>orretningsdrift og gjennomf\u00f8ring a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs375\">konsernets strategier<span class=\"_ _1\"></span>. Konsernet legger v<span class=\"_ _0\"></span>ekt p\u00e5 en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs376\">kontroll- og styringsstruktur som fr<span class=\"_ _0\"></span>emmer m\u00e5lrettet og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs377\">uavhengig styring og k<span class=\"_ _0\"></span>ontroll, se modell og beskrivelse </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs378\">under<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs389\">Styret<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h18 ff4 fse fc3 sc0 ls0 ws0 gs38a\">Fastsetter konsernets risik<span class=\"_ _0\"></span>oprofil og p\u00e5ser at konsernet har ansvarlig k<span class=\"_ _0\"></span>apital som er forsvarlig<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h18 ff4 fse fc3 sc0 ls0 ws0 gs38b\">ut fra risikoen i k<span class=\"_ _0\"></span>onsernet og myndighetenes krav<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs37a\">Adm. Direkt\u00f8r<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs38d\">Risikostyring og<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs38e\">Compliance<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs387\">Internrevisjonen<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs390\">Forretningseneheter </div><div class=\"t m0 h15 ff4 fsc fc3 sc0 ls0 ws0 gs391\">og st\u00f8tteomr\u00e5der<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h16 ff2 fsd fc3 sc0 ls0 ws0 gs37c\">F\u00f8rste f<span class=\"_ _0\"></span>orsvarslinje<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h17 ff4 fsd fc3 sc0 ls0 ws0 gs37d\">Daglig risikostyring<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h16 ff2 fsd fc3 sc0 ls0 ws0 gs37e\">Andre for<span class=\"_ _0\"></span>svarslinje<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h17 ff4 fsd fc3 sc0 ls0 ws0 gs37f\">Overor<span class=\"_ _0\"></span>dnet risikoopp-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h17 ff4 fsd fc3 sc0 ls0 ws0 gs380\">f\u00f8lging og rapportering<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h16 ff2 fsd fc3 sc0 ls0 ws0 gs384\">T<span class=\"_ _1\"></span>redje forsvarslinje<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h17 ff4 fsd fc3 sc0 ls0 ws0 gs385\">Uavhengig bekr<span class=\"_ _0\"></span>eftelse<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs382\">Instrukser<span class=\"_ _1\"></span>, rammer og fullmakter<span class=\"_ _f6\"> </span>Formell rapportering<span class=\"_ _18d\"> </span>Adgang til rapportering<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs393\">Styret har ansvaret f<span class=\"_ _0\"></span>or \u00e5 p\u00e5se at konsernet har en an<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs394\">svarlig kapital som er for<span class=\"_ _0\"></span>svarlig ut fra strategisk m\u00e5lbilde, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs395\">vedtatt risikopr<span class=\"_ _0\"></span>ofil og myndighetsp\u00e5lagte krav<span class=\"_ _1\"></span>. Styret </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs396\">fastsetter de over<span class=\"_ _0\"></span>ordnede m\u00e5lsettingene relatert til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs397\">risikopro<span class=\"_ _0\"></span>fil og avkastning. Styret f<span class=\"_ _0\"></span>astlegger videre over<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs398\">ordnede rammer<span class=\"_ _1\"></span>, fullmakter og retningslinjer for risik<span class=\"_ _0\"></span>o- og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs399\">kapitalstyringen i konsernet, samt etiske r<span class=\"_ _0\"></span>etningslinjer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs39a\">som skal bidra til h\u00f8y etisk standard. Videre sk<span class=\"_ _0\"></span>al styret </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs39b\">p\u00e5se at ledelsen s\u00f8rger for en hensiktsmessig og eff<span class=\"_ _0\"></span>ektiv </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs39c\">risikostyringsprosess i sams<span class=\"_ _0\"></span>var med lover<span class=\"_ _1\"></span>, forskrifter og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs39d\">myndighetenes forventinger<span class=\"_ _1\"></span>, samt fastsette beredskaps- </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs39e\">og kontinuitetsplaner f<span class=\"_ _0\"></span>or \u00e5 sikre at driften kan videref\u00f8r<span class=\"_ _0\"></span>es </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs39f\">og tap begrenses ved v<span class=\"_ _0\"></span>esentlige uforutsette hendelser<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a0\">Styrets arbeid er nedfelt i en \u00e5r<span class=\"_ _0\"></span>splan som oppdateres </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a1\">\u00e5rlig. Dette sikrer at styret har tilstr<span class=\"_ _0\"></span>ekkelig tid og fokus p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a2\">sentrale oppgaver<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a3\">Styret har egne utvalg for risik<span class=\"_ _0\"></span>ostyring, revisjon og godt<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a4\">gj\u00f8ring. Utvalgene skal bist\u00e5 styret i f<span class=\"_ _0\"></span>orberedelsen av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a5\">saker<span class=\"_ _1\"></span>, men beslutningen skal fastsettes av styr<span class=\"_ _0\"></span>et samlet.<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a6\">Instruks for utvalgene fastsettes a<span class=\"_ _0\"></span>v styret. Risikoutvalget </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a7\">er et forberedende or<span class=\"_ _0\"></span>gan for styret i sak<span class=\"_ _0\"></span>er som vedr\u00f8rer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a8\">konsernets risik<span class=\"_ _0\"></span>ostyring og internkontroll, mens r<span class=\"_ _0\"></span>evisjons<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3a9\">utvalget forbereder sak<span class=\"_ _0\"></span>er som vedr\u00f8rer finansiell inf<span class=\"_ _0\"></span>orma<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3aa\">sjon og internkontroll knyttet til denne. Utvalgene best\u00e5r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3ab\">av de samme tre medlemmene utg\u00e5tt a<span class=\"_ _0\"></span>v styret, men ut<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3ac\">valgene har ikke samme leder<span class=\"_ _1\"></span>. Godtgj\u00f8ringsutvalget skal </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3ad\">tilsvarende bist\u00e5 styret i dets arbeid med ansettelses<span class=\"_ _0\"></span>vilk\u00e5r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3ae\">for administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>, samt n\u00e5r det gjelder hoved<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3af\">prinsipper og strategi for k<span class=\"_ _0\"></span>ompensasjon av det \u00f8verste </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b0\">ledersjikt i konsernet. Godtgj\u00f8ringsutvalget best\u00e5r av tr<span class=\"_ _0\"></span>e </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b1\">styremedlemmer inklusive ansattr<span class=\"_ _0\"></span>epresentant. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b2\">Administrerende dir<span class=\"_ _0\"></span>ekt\u00f8r har ansvaret for den o<span class=\"_ _0\"></span>veror<span class=\"_ _0\"></span>dne<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b3\">de risikostyringen. Det betyr at administrer<span class=\"_ _0\"></span>ende direkt\u00f8r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b4\">er ansvarlig for at det implementer<span class=\"_ _0\"></span>es effektive risik<span class=\"_ _0\"></span>osty<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b5\">rings- systemer i konsernet og at risik<span class=\"_ _0\"></span>oeksponeringen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b6\">overv\u00e5kes. Administr<span class=\"_ _0\"></span>erende direkt\u00f8r er vider<span class=\"_ _0\"></span>e ansvarlig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b7\">for delegering a<span class=\"_ _0\"></span>v fullmakter og rapportering til styret.<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b8\">Ledere a<span class=\"_ _0\"></span>v forretnings- og st\u00f8tteomr\u00e5dene har ans<span class=\"_ _0\"></span>varet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3b9\">for den daglige risik<span class=\"_ _0\"></span>ostyringen innenfor sine ansvars<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3ba\">omr\u00e5der<span class=\"_ _1\"></span>, og skal p\u00e5se at risikostyring \u2013og eksponering </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3bb\">er innenfor de rammer og fullmakter som er fastsatt a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3bc\">styret eller administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3bd\">Av<span class=\"_ _0\"></span>deling for risikostyring og compliance er or<span class=\"_ _0\"></span>ganisert </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3be\">uavhengig a<span class=\"_ _0\"></span>v linje- og stabsenhetene og rapporterer di<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3bf\">rekte til administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>. I tillegg har avdelingen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c0\">adgang til \u00e5 rapportere direkte til styret. A<span class=\"_ _0\"></span>vdelingen er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c1\">ansvarlig for ua<span class=\"_ _0\"></span>vhengig oppf\u00f8lging og rapportering av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c2\">risikoeksponeringen og f\u00f8lger opp at k<span class=\"_ _0\"></span>onsernet etterle<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c3\">ver gjeldende lov<span class=\"_ _0\"></span>er og forskrifter<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c4\">Internrevisjonen rapporterer til styr<span class=\"_ _0\"></span>et og er prim\u00e6rt sty<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c5\">rets, men ogs\u00e5 administrasjonens redskap f<span class=\"_ _0\"></span>or overv\u00e5king </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c6\">av risik<span class=\"_ _0\"></span>ostyringsprosessens effektivitet og hensiktsmes<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c7\">sighet. Internrevisjonens anbefalinger til f<span class=\"_ _0\"></span>orbedringer blir </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs3c8\">l\u00f8pende gjennomg\u00e5tt og vurdert implementert.<span class=\"_ _3\"></span> </div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs3c9\">RISIK<span class=\"_ _0\"></span>OEKSPONERING I SP<span class=\"_ _1\"></span>AREBANK 1 RINGERIKE </div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs3ca\">HADELAND<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws13 gs3cb\">SpareBank 1 Ringerike Hadeland ek<span class=\"_ _0\"></span>sponeres for ulik<span class=\"_ _0\"></span>e ty<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3cc\">per risiko. Nedenf<span class=\"_ _0\"></span>or er det gitt n\u00e6rmere beskrivelse a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3cd\">finansiell risikostyring knyttet til kredittrisik<span class=\"_ _0\"></span>o, likviditets-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ce\">risiko, mark<span class=\"_ _0\"></span>edsrisiko og operasjonell risik<span class=\"_ _0\"></span>o. B\u00e6rekraft </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws2 gs3cf\">er en driver for ne<span class=\"_ _0\"></span>vnte risiki og er beskrev<span class=\"_ _0\"></span>et under<span class=\"_ _1\"></span>. Utvi<span class=\"ws0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d0\">det markedsinf<span class=\"_ _0\"></span>ormasjon (Pilar III) er beskrevet i eget </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d1\">dokument p\u00e5 bankens hjemmeside. Bank<span class=\"_ _0\"></span>en har en egen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d2\">utfyllende b\u00e6rekraftsrapportering som er et vedlegg </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d3\">til \u00e5rsrapporten. </div><div class=\"t m0 h10 ff7 fs3 fc7 sc0 ls0 ws0 gs3d4\">Kredittrisiko:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d5\">Kredittrisiko i utl\u00e5nsportef\u00f8ljen utgj\u00f8r bank<span class=\"_ _0\"></span>ens st\u00f8r-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d6\">ste finansielle risikoomr\u00e5de, og defineres som risik<span class=\"_ _0\"></span>o </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d7\">for tap som kan oppst\u00e5 som f\u00f8lge a<span class=\"_ _0\"></span>v at kunder ikke </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d8\">har evne og/eller vilje til \u00e5 oppfylle sine f<span class=\"_ _0\"></span>orpliktelser </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3d9\">overfor bank<span class=\"_ _0\"></span>en. I tillegg p\u00e5f\u00f8rer bank<span class=\"_ _0\"></span>ens portef\u00f8lje av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3da\">renteb\u00e6rende v<span class=\"_ _0\"></span>erdipapir banken kr<span class=\"_ _0\"></span>edittrisiko. Bank<span class=\"_ _0\"></span>en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3db\">benytter standardmetoden for ber<span class=\"_ _0\"></span>egning av kredittrisi-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3dc\">ko i kapitalber<span class=\"_ _0\"></span>egningen.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3dd\">Gjennom den \u00e5rlige revisjonen a<span class=\"_ _0\"></span>v bankens kredittpolicy </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3de\">konkretiser<span class=\"_ _0\"></span>er styret bankens risik<span class=\"_ _0\"></span>oappetitt gjennom </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3df\">fastsettelse av m\u00e5l og rammer f<span class=\"_ _0\"></span>or bankens kredittpor-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e0\">tef\u00f8lje. Kredittpolicyen er f<span class=\"_ _0\"></span>orankret i bankens o<span class=\"_ _0\"></span>ver-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e1\">ordnede policy for risik<span class=\"_ _0\"></span>o og kapitalstyring som legger </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e2\">forutsetningene f<span class=\"_ _0\"></span>or en moderat risikoprofil. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e3\">Bankens kredittpolicy inneholder r<span class=\"_ _0\"></span>etningslinjer for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e4\">risikopro<span class=\"_ _0\"></span>filen, herunder maksimal misligholdssannsyn-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e5\">lighet (PD) og maksimalt tap gitt mislighold (L<span class=\"_ _0\"></span>GD) for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e6\">privatmarkedet, bedriftsmarkedet og totalt. Kredittpo-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e7\">licyen inneholder ogs\u00e5 kredittstrategisk<span class=\"_ _0\"></span>e rammer som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e8\">styrer bankens k<span class=\"_ _0\"></span>onsentrasjonsrisiko<span class=\"_ _0\"></span>, herunder rammer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3e9\">for maksimal eksponering innenf<span class=\"_ _0\"></span>or bransjer og p\u00e5 en-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ea\">keltengasjement. Banken har vider<span class=\"_ _0\"></span>e som policy \u00e5 avst\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3eb\">fra kredittgivning hvor b\u00e6r<span class=\"_ _0\"></span>ekraftsrisikoen vurder<span class=\"_ _0\"></span>es \u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ec\">v\u00e6re h\u00f8y<span class=\"_ _1\"></span>, og denne ikke er av f<span class=\"_ _0\"></span>orbig\u00e5ende karakter<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ed\">Etterlevelse a<span class=\"_ _0\"></span>v kredittpolicy og vedtatte rammer og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ee\">m\u00e5ltall overv\u00e5kes l\u00f8pende og rapporter<span class=\"_ _0\"></span>es kvartalsvis til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ef\">styret. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f0\">Bankens risik<span class=\"_ _0\"></span>oklassifiseringssystem er utviklet for \u00e5 kun-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f1\">ne styre bankens utl\u00e5nsportef\u00f8lje i tr\u00e5d med bank<span class=\"_ _0\"></span>ens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f2\">kredittpolicy og gjennom risikoklassifisering, risik<span class=\"_ _0\"></span>opri-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f3\">sing og portef\u00f8ljestyring bidra til \u00e5 sikre den risikojus-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f4\">terte avkastningen. Styret er ans<span class=\"_ _0\"></span>varlig for konsernets </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f5\">l\u00e5ne- og kredittinnvilgelser<span class=\"_ _1\"></span>, men delegerer innen visse </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f6\">rammer kredittfullmaktene til administrer<span class=\"_ _0\"></span>ende direkt\u00f8r<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f7\">som igjen kan delegere disse videre innenf<span class=\"_ _0\"></span>or egne </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f8\">fullmakter<span class=\"_ _1\"></span>. Utl\u00e5nsfullmaktene er gradert i forhold til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3f9\">engasjementsst\u00f8rrelse og risikopr<span class=\"_ _0\"></span>ofil. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3fb\">Kredittgivning og styring av kr<span class=\"_ _0\"></span>edittrisiko skal bidra og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3fc\">v\u00e6re i henhold til bankens o<span class=\"_ _0\"></span>veror<span class=\"_ _0\"></span>dnede strategi for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3fd\">b\u00e6rekraft. B\u00e6rekraftsrisikoer<span class=\"_ _141\"></span>, herunder antihvitvaskri-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3fe\">siko, vur<span class=\"_ _0\"></span>deres i forbindelse med all kr<span class=\"_ _0\"></span>edittbehandling. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3ff\">Vur<span class=\"_ _0\"></span>deringen er risikobasert og tilpasset segmentet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs400\">kunden tilh\u00f8rer<span class=\"_ _1\"></span>. Hensikten er \u00e5 vurdere hvor<span class=\"_ _0\"></span>dan kre-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs401\">dittrisikoen p\u00e5virk<span class=\"_ _0\"></span>es n\u00e5r det gjelder betjeningsevne, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs402\">verdi a<span class=\"_ _0\"></span>v sikkerheter og omd\u00f8mme. For privatkunder </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs403\">og mindre bedriftskunder er vurderingen ho<span class=\"_ _0\"></span>vedsakelig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs404\">knyttet til antihvitvask og \u00f8konomisk kriminalitet. For </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs405\">bedriftskundene med engasjement p\u00e5 over 5 millioner </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs406\">kroner gjennomf\u00f8res en b\u00e6r<span class=\"_ _0\"></span>ekraftsanalyse av kunden. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs407\">Data fra disse analysene muliggj\u00f8r overv\u00e5kning a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs408\">portef\u00f8ljen med tanke p\u00e5 ov<span class=\"_ _0\"></span>ergangsrisiko og fysisk </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs409\">klimarisiko og k<span class=\"_ _0\"></span>oblingen mellom b\u00e6rekraft og kredittri-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs40a\">siko. Bank<span class=\"_ _0\"></span>en har per i dag ikke identifisert engasjemen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs40b\">ter som har \u00f8kt tapsrisiko grunnet ov<span class=\"_ _0\"></span>ergangsrisiko og/<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs40c\">eller fysisk klimarisiko<span class=\"_ _0\"></span>, selv etter uv\u00e6ret Hans h\u00f8sten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs40d\">2023. Klimarisiko vurder<span class=\"_ _0\"></span>es p\u00e5 n\u00e5v\u00e6rende tidspunkt ikke </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs40e\">ha p\u00e5virkning p\u00e5 bankens f<span class=\"_ _0\"></span>orventede kredittap og hen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs40f\">syntas derfor ikke i kr<span class=\"_ _0\"></span>edittmodellene eller i tapsmodel-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs410\">len. Erfaringer fra arbeid med stresstester og utfall av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3b3\">relevante hendelser<span class=\"_ _141\"></span>, for eksempel uv\u00e6ret Hans h\u00f8sten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs411\">2023, er relevante f<span class=\"_ _0\"></span>or fremtidig utvikling av kr<span class=\"_ _0\"></span>editt- og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs3b5\">tapsmodeller<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs412\">Bankens risik<span class=\"_ _0\"></span>oklassifisering bygger p\u00e5 tre sentrale </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs413\">statistiske modeller<span class=\"_ _1\"></span>, misligholdssannsynlighet (PD), ek-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs414\">sponering ved mislighold (EAD) og tap gitt mislighold </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs415\">(L<span class=\"_ _0\"></span>GD). Disse tre k<span class=\"_ _0\"></span>omponentene utgj\u00f8r ogs\u00e5 grunnlaget </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs416\">for bank<span class=\"_ _0\"></span>ens tapsmodell ihht. IFRS9. Kreditt- og tapsmo-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs417\">dellene er utviklet av Sparebank 1-alliansen og valider<span class=\"_ _0\"></span>es </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs418\">jevnlig b\u00e5de med hensyn p\u00e5 evne til \u00e5 ranger<span class=\"_ _0\"></span>e kun-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs419\">dene samt \u00e5 estimere niv\u00e5. R<span class=\"_ _0\"></span>esultatene fra validering </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs41a\">av bank<span class=\"_ _0\"></span>ens kredittmodeller bekrefter at modellenes </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs41b\">treffsikk<span class=\"_ _0\"></span>erhet er innenfor interne m\u00e5l og internasjonale </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs41c\">anbefalinger<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs41d\">Likviditetsrisiko<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs41e\">Likviditetsrisiko er risik<span class=\"_ _0\"></span>o for ikke v\u00e6r<span class=\"_ _0\"></span>e i stand til \u00e5 innfri for<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs41f\">pliktelser p\u00e5 forfall eller ikke e<span class=\"_ _0\"></span>vne til \u00e5 finansiere eiendeler<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs420\">herunder \u00f8nsket vek<span class=\"_ _0\"></span>st, uten vesentlig \u00f8kte kostnader<span class=\"_ _1\"></span>.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs421\">Styring av likviditetsrisik<span class=\"_ _0\"></span>o skjer gjennom styrevedtatte </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs422\">rammer<span class=\"_ _1\"></span>, og fastsettes \u00e5rlig gjennom revisjon av likviditets<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs423\">policyen. Rammene ligger godt innenfor de minimums<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs424\">grenser fastsatt a<span class=\"_ _0\"></span>v regulatoriske myndigheter og k<span class=\"_ _0\"></span>on<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs425\">sernets konservative risik<span class=\"_ _0\"></span>oprofil innen omr\u00e5det. Policy<span class=\"_ _0\"></span>en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs426\">setter blant annet rammer for st\u00f8rrelse og kvalitet p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs427\">likviditetsreserver og lengden p\u00e5 den tidsperioden som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs428\">banken skal v\u00e6r<span class=\"_ _0\"></span>e uavhengig av ny mark<span class=\"_ _0\"></span>edsfinansiering. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs429\">Styring av likviditetsrisik<span class=\"_ _0\"></span>o skal bidra og bygge opp under </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs42a\">bankens ov<span class=\"_ _0\"></span>erordnede strategi f<span class=\"_ _0\"></span>or b\u00e6rekraft. Risiko </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs42b\">knyttet til milj\u00f8, sosiale forhold, eierskap og selsk<span class=\"_ _0\"></span>aps<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs42c\">styring (ESG) skal vurderes i f<span class=\"_ _0\"></span>orbindelse med bankens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs42d\">fundingstrategi. Vur<span class=\"_ _0\"></span>deringen skal v\u00e6re i tr\u00e5d med ban<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs42e\">kens gr\u00f8nne rammev<span class=\"_ _0\"></span>erk, og bidra til \u00e5 bygge opp under </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs42f\">bankens vedtatte b\u00e6r<span class=\"_ _0\"></span>ekraftsm\u00e5l.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs430\">I tilknytning til styringsdokumentene er det etablert egen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs431\">beredskapsplan f<span class=\"_ _0\"></span>or h\u00e5ndtering av likviditetssituasjonen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs432\">i perioder med urolige finansmarkeder<span class=\"_ _141\"></span>. I tillegg til likvi<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs433\">ditets-prognoser benyttes stresstester som analyser<span class=\"_ _0\"></span>er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs434\">konsernets likviditetsmessige s\u00e5rbarhet i perioder uten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs435\">tilgang p\u00e5 ekstern finansiering. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs436\">Av<span class=\"_ _0\"></span>deling for \u00d8konomi/Finans er ans<span class=\"_ _0\"></span>varlig for bankens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs437\">finansiering -og likviditetsstyring.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs438\">Risikoeksponering- og utvikling o<span class=\"_ _0\"></span>verv\u00e5kes l\u00f8pende og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs439\">rapporteres periodisk til styret og ledelse a<span class=\"_ _0\"></span>v avdeling f<span class=\"_ _0\"></span>or </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs43a\">Risikostyring og Compliance.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs43b\">For ytterligere inf<span class=\"_ _0\"></span>ormasjon vises til note 15 og 16<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs43c\">Markedsrisik<span class=\"_ _0\"></span>o<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs43d\">Markedsrisik<span class=\"_ _0\"></span>o er en felles betegnelse for risik<span class=\"_ _0\"></span>oen for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs43e\">tap som oppst\u00e5r som f\u00f8lge av endringer i kurser eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws14 gs43f\">priser p\u00e5 finansielle instrumenter<span class=\"_ _1\"></span>. Markedsrisiko oppst\u00e5r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs440\">hovedsak<span class=\"_ _0\"></span>elig i forbindelse med bank<span class=\"_ _0\"></span>ens investeringer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs441\">i obligasjoner<span class=\"_ _1\"></span>, sertifikater<span class=\"_ _0\"></span>, aksjer<span class=\"_ _1\"></span>, egenkapitalbevis og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs442\">aksjefond, og posisjoner i r<span class=\"_ _0\"></span>ente- og valutamarkedene. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs443\">Styring av mark<span class=\"_ _0\"></span>edsrisiko skjer gjennom styre<span class=\"_ _0\"></span>vedtatte </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs444\">rammer<span class=\"_ _1\"></span>, og fastsettes \u00e5rlig gjennom revisjon av mar-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs445\">kedsrisik<span class=\"_ _0\"></span>opolicyen. Rammene ligger godt innenfor de </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs446\">maksimalgrenser fastsatt a<span class=\"_ _0\"></span>v regulatoriske myndigheter<span class=\"_ _141\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs447\">og konsernets k<span class=\"_ _0\"></span>onservative risikoprofil innen omr\u00e5det. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs448\">Risikoeksponering- og utvikling o<span class=\"_ _0\"></span>verv\u00e5kes l\u00f8pende og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs449\">rapporteres periodisk til konsernets styr<span class=\"_ _0\"></span>e og ledelse. </div>PD/Sikkerhetsdekning<span class=\"_ _2cc\"> </span>1 [0-60%&gt;<span class=\"_ _2cc\"> </span>2 [60-70%&gt;<span class=\"_ _2cc\"> </span>3 [70-75%&gt;<span class=\"_ _2cc\"> </span>4 [75-80%&gt;<span class=\"_ _2cc\"> </span>5 [80-90%&gt;<span class=\"_ _2cc\"> </span>6 [90-100%&gt;<span class=\"_ _2cc\"> </span>7 [100%-<span class=\"_ _2cc\"> </span>A [0,0 - 0,<span class=\"_ _0\"></span>10 %&gt; Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>B [0,<span class=\"_ _0\"></span>1 - 0,25 %&gt; Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>C [0,25 -<span class=\"_ _2cc\"> </span>0,50 %&gt;<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>D [0,50 -<span class=\"_ _2cc\"> </span>0,75 %&gt;<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Laveste<span class=\"_ _2cc\"> </span>Lav<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>E [0,75 -<span class=\"_ _2cc\"> </span>1,25 %&gt;<span class=\"_ _2cc\"> </span>Lav Lav Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>F [2,25 -<span class=\"_ _2cc\"> </span>2,50 %&gt;<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>G [2,50 -<span class=\"_ _2cc\"> </span>5,00 %&gt;<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>Middels<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H [5,00 -<span class=\"_ _2cc\"> </span>10,00 %&gt;<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8y<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>I [10,00 -<span class=\"_ _2cc\"> </span>99,99 %&gt;<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>H\u00f8yest<span class=\"_ _2cc\"> </span>J [100 %&gt;<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>Misligholdt<span class=\"_ _2cc\"> </span>K [100 %&gt;<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskrevet<span class=\"_ _2cc\"> </span>Misligholdt og nedskreve<span class=\"_ _2cc\"> <span class=\"_ _2cc\"> </span></span><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs44b\">Styret har blant annet vedtatt rammer f<span class=\"_ _0\"></span>or renterisiko<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs44c\">spreadrisiko<span class=\"_ _0\"></span>, aksjerisiko og valutarisik<span class=\"_ _0\"></span>o<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs44d\">For ytterligere inf<span class=\"_ _0\"></span>ormasjon vises det til note 15.  </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs44e\">Konsentrasjon<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs44f\">Konsentrasjoner a<span class=\"_ _0\"></span>v risiko oppst\u00e5r n\u00e5r finansielle </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs450\">instrumenter med tilsvarende kjennetegn p\u00e5virk<span class=\"_ _0\"></span>es p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs451\">samme m\u00e5te ved endringer i \u00f8konomisk<span class=\"_ _0\"></span>e eller andre </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs452\">forhold. Identifiseringen a<span class=\"_ _0\"></span>v konsentrasjoner inneb\u00e6rer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs453\">ut\u00f8velsen av skj\u00f8nn. Spar<span class=\"_ _0\"></span>eBank 1 Ringerike Hadeland </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs454\">kontroller<span class=\"_ _0\"></span>er risikok<span class=\"_ _0\"></span>onsentrasjon gjennom rammesetting </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs455\">p\u00e5 ulike omr\u00e5der<span class=\"_ _1\"></span>. For kredittrisik<span class=\"_ _0\"></span>o begrenses st\u00f8rre </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs456\">risikok<span class=\"_ _0\"></span>onsentrasjoner gjennom rammer for store enga-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs457\">sjementer<span class=\"_ _1\"></span>, h\u00f8yrisikoengasjementer og bransjeekspone-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs458\">ring. Faktisk eksponering for<span class=\"_ _0\"></span>delt p\u00e5 risikogrupper<span class=\"_ _1\"></span>, sek-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs459\">tor og n\u00e6ring samt geografiske omr\u00e5der presenter<span class=\"_ _0\"></span>es </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs45a\">i note 8. For markedsrisik<span class=\"_ _0\"></span>o begrenses k<span class=\"_ _0\"></span>onsentrasjons-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs45b\">risikoen gjennom rammer f<span class=\"_ _0\"></span>or maksimal spreadrisiko<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs45c\">renterisiko<span class=\"_ _0\"></span>, valutarisiko, og ak<span class=\"_ _0\"></span>sjeeksponering. Konsen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs45d\">trasjon av renterisik<span class=\"_ _0\"></span>o er presentert i note 15. K<span class=\"_ _0\"></span>onsernets </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs45e\">eksponering i valuta best\u00e5r av valutabeholdning i ban-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs45f\">kens minibank<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. Aksjeeksponering er spesifisert i note </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs460\">29. Konsernet har ikk<span class=\"_ _0\"></span>e identifisert betydelige risikoer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs461\">utover dom som fr<span class=\"_ _0\"></span>emkommer i nevnte noter<span class=\"_ _141\"></span>.   </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs462\">Operasjonell risiko </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs463\">All virksomhet i konsernet er i st\u00f8rr<span class=\"_ _0\"></span>e eller mindre grad </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs464\">utsatt for operasjonell risik<span class=\"_ _0\"></span>o, som defineres som risik<span class=\"_ _0\"></span>o </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs465\">for tap som f\u00f8lge a<span class=\"_ _0\"></span>v utilstrekkelige eller sviktende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs466\">interne prosesser eller systemer<span class=\"_ _141\"></span>, menneskelige feil eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs467\">eksterne hendelser<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs468\">Operasjonell risiko styres gjennom policy f<span class=\"_ _0\"></span>or opera-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs469\">sjonell risiko som fastsettes minimum \u00e5rlig a<span class=\"_ _0\"></span>v styret. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs46a\">Policy<span class=\"_ _0\"></span>en tar utgangspunkt i Finanstilsynets tiln\u00e6rming </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs46b\">til operasjonell risiko definert i \u00abModul for vur<span class=\"_ _0\"></span>dering av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs46c\">operasjonell risiko\u00bb som igjen by<span class=\"_ _0\"></span>gger p\u00e5 COSO, et in-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs46d\">ternasjonalt akseptert rammeverk f<span class=\"_ _0\"></span>or helhetlig risikosty-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs46e\">ring. Rammeverk<span class=\"_ _0\"></span>et best\u00e5r av \u00e5tte innbyr<span class=\"_ _0\"></span>des relaterte </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs46f\">komponenter; internt milj\u00f8, etablering a<span class=\"_ _0\"></span>v m\u00e5lsettinger<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs470\">identifisering av hendelser<span class=\"_ _1\"></span>, risikovur<span class=\"_ _0\"></span>dering, risikoh\u00e5ndte-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs471\">ring, kontrollaktiviteter<span class=\"_ _141\"></span>, informasjon og kommunikasjon </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs472\">og oppf\u00f8lging. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs473\">Etterlevelse a<span class=\"_ _0\"></span>v rammer og risikotoleranse ov<span class=\"_ _0\"></span>erv\u00e5kes av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs474\">avdeling f<span class=\"_ _0\"></span>or risikostyring, og status rapporteres kvar-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs475\">talsvis til styret. Vur<span class=\"_ _0\"></span>dering av internk<span class=\"_ _0\"></span>ontroll innenfor sen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs476\">trale omr\u00e5der innenfor operasjonell risik<span class=\"_ _0\"></span>o rapporteres </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs477\">til styret kvartalsvis som del av bank<span class=\"_ _0\"></span>ens risikorapport.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs478\">Compliancerisiko er risik<span class=\"_ _0\"></span>oen for at konsernet p\u00e5drar </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs479\">seg offentlige sanksjoner/b\u00f8ter<span class=\"_ _141\"></span>, \u00f8konomisk tap og/<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs47a\">eller svekk<span class=\"_ _0\"></span>et omd\u00f8mme som f\u00f8lge av manglende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs47b\">etterlevelse a<span class=\"_ _0\"></span>v lover/f<span class=\"_ _0\"></span>orskrifter<span class=\"_ _1\"></span>, standarder og/eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs47c\">interne retningslinjer og ver<span class=\"_ _0\"></span>dier (strategier<span class=\"_ _1\"></span>, policyer<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs47d\">fullmaktsreglement, rutiner og etiske retningslinjer). </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs47e\">Compliancerisiko styres gjennom policy f<span class=\"_ _0\"></span>or compliance </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs47f\">som fastsettes minimum \u00e5rlig av styr<span class=\"_ _0\"></span>et<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs480\">Bankens krise- og k<span class=\"_ _0\"></span>ontinuitetsplan beskriver beslut-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs481\">ningsstruktur og organisering av en krise der en eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs482\">flere av<span class=\"_ _0\"></span>delinger er involvert. Planen bygger p\u00e5 Spar<span class=\"_ _0\"></span>e-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs483\">Bank 1-alliansens \u00abKrise- og kontinuitetsplan f<span class=\"_ _0\"></span>or selska-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs484\">per i SpareBank 1 \u2013alliansen\u00bb og ivaretar bank<span class=\"_ _0\"></span>ens rolle i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs485\">en eventuell krise som omfatter fler<span class=\"_ _0\"></span>e enheter i Alliansen. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs486\">Overor<span class=\"_ _0\"></span>dnet Krise- og beredskapsplan er utarbeidet og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs487\">godkjent av styret. Bank<span class=\"_ _0\"></span>ens kriseledelse gjennomf\u00f8rer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs488\">jevnlig krise\u00f8velser b\u00e5de i egen r<span class=\"_ _0\"></span>egi og i samarbeid </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs489\">med SpareBank 1 Alliansen. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs48a\">IT<span class=\"_ _1\"></span>-virksomheten er en vesentlig faktor for at k<span class=\"_ _0\"></span>onsernet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs48b\">skal n\u00e5 sine forr<span class=\"_ _0\"></span>etningsmessige m\u00e5l. Bankens IT<span class=\"_ _1\"></span>-virksom-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs48c\">het er ogs\u00e5 sentral for regnsk<span class=\"_ _0\"></span>apsf\u00f8ringen og den finan-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs48d\">sielle rapporteringen. SpareBank 1 Alliansen har inng\u00e5tt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs48e\">avtale med IT<span class=\"_ _1\"></span>-leverand\u00f8r<span class=\"_ _0\"></span>en Tieto om drift og videre-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs48f\">utvikling av kjernel\u00f8sningen til Allianse-bank<span class=\"_ _0\"></span>ene. Spare-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs490\">Bank 1 Alliansen har ogs\u00e5 avtaler med andre le<span class=\"_ _0\"></span>verand\u00f8-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs491\">rer om ulike IT<span class=\"_ _141\"></span>-l\u00f8sninger<span class=\"_ _0\"></span>. Gjennom avtalen bank<span class=\"_ _0\"></span>en har </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs492\">med SpareBank 1 Alliansen om deltakelse i sammenslut-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs493\">ningen, tiltrer banken som part i de utk<span class=\"_ _0\"></span>ontrakteringsav-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs494\">taler SpareBank 1 Alliansen gj\u00f8r med underlev<span class=\"_ _0\"></span>erand\u00f8rer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs495\">av IT<span class=\"_ _1\"></span>-tjenester<span class=\"_ _1\"></span>. Det er etablert databehandleravtaler </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs496\">mellom de leverand\u00f8r<span class=\"_ _0\"></span>ene og bankene som blant annet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs497\">sikrer h\u00e5ndtering av taushetsbelagt inf<span class=\"_ _0\"></span>ormasjon. Alle </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs498\">viktige beslutninger i IT<span class=\"_ _1\"></span>-virksomheten er forankret hos </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs499\">ledelsen i banken. Bank<span class=\"_ _0\"></span>ens internkontrollerarbeid innen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs49a\">for IT har s\u00e6rlig f<span class=\"_ _0\"></span>okus p\u00e5 driftsstabilitet, endringsh\u00e5nd-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs49b\">tering og informasjonssikk<span class=\"_ _0\"></span>erhet. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs49c\">Det foretas k<span class=\"_ _0\"></span>artlegging av den operasjonelle risiko </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs49d\">i forbindelse med oppfyllelse a<span class=\"_ _0\"></span>v internkontroll- og  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs49e\">DORA-r<span class=\"_ _0\"></span>egelverket. Det gjennomf\u00f8res vider<span class=\"_ _0\"></span>e s\u00e6rskilte </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs49f\">risikoanalyser a<span class=\"_ _0\"></span>v prosesser og forr<span class=\"_ _0\"></span>etningsomr\u00e5der der </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a0\">dette anses n\u00f8dvendig.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a1\">SpareBank 1 Ringerike Hadeland legger v<span class=\"_ _0\"></span>ekt p\u00e5 full-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a2\">maktsstrukturer<span class=\"_ _1\"></span>, gode rutinebeskrivelser<span class=\"_ _1\"></span>, definerte </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a3\">ansvarsforhold og en kultur som stimuler<span class=\"_ _0\"></span>er til organisa-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a4\">torisk l\u00e6ring for \u00e5 h\u00e5ndtere den operasjonelle risik<span class=\"_ _0\"></span>oen.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs4a5\">ESG-risiko<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a6\">ESG-risiko er risik<span class=\"_ _0\"></span>o for tap som f\u00f8lge av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a7\">\u2022 <span class=\"_ _2\"></span>Fysiske endringer i klima- natur- og/eller milj\u00f8f<span class=\"_ _0\"></span>orhold </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a8\">(Environment) som direkte eller indir<span class=\"_ _0\"></span>ekte vil kunne ha </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4a9\">negativ effekt f<span class=\"_ _0\"></span>or konsernet. Klimarisiko handler b\u00e5de </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4aa\">om hvordan de fysisk<span class=\"_ _0\"></span>e konsekv<span class=\"_ _0\"></span>ensene av klima-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls3 ws0 gs4ab\">endringer vil p\u00e5virke natur og samfunn (fysisk klimarisik<span class=\"_ _0\"></span>o),<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4ac\">og hva over<span class=\"_ _0\"></span>gangen til et samfunn med netto null </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4ad\">utslipp vil inneb\u00e6re (ov<span class=\"_ _0\"></span>ergangsrisiko)<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4ae\">\u2022 <span class=\"_ _2\"></span>Manglende etterlevelse a<span class=\"_ _0\"></span>v markedets f<span class=\"_ _0\"></span>orventninger </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4af\">eller regulatoriske kra<span class=\"_ _0\"></span>v knyttet til arbeidstakerr<span class=\"_ _0\"></span>ettig-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b0\">heter<span class=\"_ _1\"></span>, menneskerettigheter og god forr<span class=\"_ _0\"></span>etningsskikk </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b1\">(Social)<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b2\">\u2022 <span class=\"_ _2\"></span>Manglende etterlevelse a<span class=\"_ _0\"></span>v markedets f<span class=\"_ _0\"></span>orventninger </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b3\">eller regulatoriske kra<span class=\"_ _0\"></span>v knyttet til styring og kontr<span class=\"_ _0\"></span>oll </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b4\">(Government)<span class=\"_ _2cc\"> </span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b6\">ESG-risiko ansees v\u00e6re en underliggende risik<span class=\"_ _0\"></span>odriver<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b7\">spesielt til kredittrisiko<span class=\"_ _0\"></span>, markedsrisik<span class=\"_ _0\"></span>o, likviditetsrisiko </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b8\">og operasjonell risiko. Det er f<span class=\"_ _0\"></span>oretatt risik<span class=\"_ _0\"></span>okartlegging </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4b9\">som ligger til grunn for bank<span class=\"_ _0\"></span>ens ambisjoner innen b\u00e6-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4ba\">rekraftsomr\u00e5det og som danner grunnlaget for r<span class=\"_ _0\"></span>evide-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4bb\">ring av policy f<span class=\"_ _0\"></span>or styring og kontroll a<span class=\"_ _0\"></span>v b\u00e6rekraftrisiko<span class=\"_ _0\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4bc\">Policy<span class=\"_ _0\"></span>dokumentet angir bankens risikotoleranse og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4bd\">-h\u00e5ndtering, roller og ansvar<span class=\"_ _1\"></span>, rapportering og overv\u00e5-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4be\">king, samt prosess for k<span class=\"_ _0\"></span>ontinuerlig forbedring og m\u00e5l </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4bf\">for bank<span class=\"_ _0\"></span>ens b\u00e6rekraftsarbeid. ESG-risiko er inkludert </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4c0\">i alle \u00f8vrige over<span class=\"_ _0\"></span>ordnede styringsdokumenter og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4c1\">retningslinjer til konsernet. Bank<span class=\"_ _0\"></span>en har gjennomf\u00f8rt en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4c2\">dobbelt vesentlighetsanalyse. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4c3\">Det er gitt en n\u00e6rmere omtale av de mest v<span class=\"_ _0\"></span>esentlige </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4c4\">teamene innenfor b\u00e6rekraft og samfunn i bank<span class=\"_ _0\"></span>ens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4c5\">b\u00e6rekraftsrapportering. </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs4c6\">For ytterligere inf<span class=\"_ _0\"></span>ormasjon vises til b.la. f\u00f8lgende </div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls0 ws0 gs4c7\">noter:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4c8\">Note 8:<span class=\"ff4 fc3\"> <span class=\"_ _10c\"> </span>Utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4c9\">Note 11:<span class=\"ff4 fc3\"> <span class=\"_ _a3\"> </span>Maksimal kredittrisik<span class=\"_ _0\"></span>oeksponering, </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4ca\"> <span class=\"_ _49\"> </span>ikke hensyntatt pantstillelser<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4cb\">Note 15:<span class=\"ff4 fc3\"> <span class=\"_ _5f\"> </span>Markedsrisik<span class=\"_ _0\"></span>o knyttet til renterisiko<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4cc\">Note 15:<span class=\"ff4 fc3 ws16\"> Likviditetsrisiko </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4cd\">Note 26:<span class=\"ff4 fc3\"> <span class=\"_ _18e\"> </span>Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4ce\">Note 28:<span class=\"ff4 fc3\"> <span class=\"_ _18e\"> </span>Aksjer<span class=\"_ _1\"></span>, andeler og andre </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws17 gs4cf\"> egenkapitalinteresser</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-621": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 7 \u2013 Kredittinstitusjoner - f<span class=\"_ _0\"></span>ordringer og gjeld<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w2f3 h38\" id=\"_ec65b13f-5d32-44a6-b773-d9c4bc5a528a\"><tr><td class=\"c n x116 yfc7 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x5cb yfc7 w2f4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x5cc yfc8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5cd yfc8 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ce yfc8 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5cf yfc8 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d0 yfc8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d1 yfc9 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">619<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d2 yfc9 w69 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">719<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d3 yfc9 w2f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og fordringer uten a<span class=\"_ _0\"></span>vtalt l\u00f8petid eller oppsigelsestid<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d4 yfc9 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">719<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d5 yfc9 w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">619<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d6 yfca w1f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">236<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d7 yfca w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d8 yfca w2f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og fordringer med avtalt l\u00f8petid eller oppsigelsestid<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d9 yfca w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5da yfca w1f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">236<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d6 yfcb w2f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">855<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5db yfcb w2f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5dc yfcb w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5dd yfcb w42 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5de yfcb w2fb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">855<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5cc ye84 w2fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,6<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5df ye84 w2fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e0 ye84 w2fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjennomsnittlig rente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e1 ye84 w2ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e2 ye84 w300 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,6<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Innskudd og utl\u00e5n til kredittinstitusjoner er i NOK og har i hovedsak flytende r<span class=\"_ _0\"></span>ente. Gjennomsnittlig rente er beregnet p\u00e5 grunnlag a<span class=\"_ _0\"></span>v faktisk renteinntekt/-kostnad i \u00e5ret i pr<span class=\"_ _0\"></span>osent av gjennomsnittlig for<span class=\"_ _0\"></span>dring og gjeld til kre-<span class=\"_ _2cc\"> </span>dittinstitusjoner<span class=\"_ _2cc\"> </span><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 8 \u2013 Utl\u00e5n til og for<span class=\"_ _0\"></span>dringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w301 h39\" id=\"_d8c25326-8e9c-4e35-88aa-3c11c2500657\"><tr><td class=\"t m0 x5e4 hb yfcc ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x5e5 hb yfcc ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5e6 yfcd w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e7 yfcd w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 x5e8 ha yfce ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n x5e9 yfcd w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ea yfcd w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfcf ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n fordelt p\u00e5 f<span class=\"_ _0\"></span>ordringstype<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5eb yfd0 w302 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.<span class=\"_ _1\"></span>103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ec yfd0 w303 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ed yfd0 w304 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kasse-/drifts- og brukskreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ee yfd0 w303 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ef yfd0 w305 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>103<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfd1 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">401<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f1 yfd1 w306 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">412<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f2 yfd1 w307 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Byggel\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f3 yfd1 wc4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">412<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f4 yfd1 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">401<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yfd2 w308 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.021<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f6 yfd2 w309 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.820<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f7 yfd2 w30a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedbetalingsl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f8 yfd2 w30b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.820<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f9 yfd2 w2e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.021<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfd3 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa yfd3 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb yfd3 w30c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fc yfd3 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fd yfd3 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfd4 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe yfd4 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff yfd4 w30f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x600 yfd4 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x601 yfd4 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfd5 ff2 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger fordelt p\u00e5 f<span class=\"_ _0\"></span>ordringstype<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x602 yfd6 w22c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x603 yfd6 w1b8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x604 yfd6 w311 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n til amortisert kost<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x605 yfd6 w312 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x606 yfd6 w313 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfd7 w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x607 yfd7 wb9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x608 yfd7 w314 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 p\u00e5 utl\u00e5n til virkelig verdi o<span class=\"_ _0\"></span>ver utvidet resultat<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x609 yfd7 w1ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60a yfd7 w1bf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yfd8 w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60c yfd8 w315 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60d yfd8 w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Verdiendring uto<span class=\"_ _0\"></span>ver tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60e yfd8 w316 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60f yfd8 w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x610 yfd9 w317 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x42c yfd9 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x611 yfd9 w319 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x612 yfd9 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x613 yfd9 w31a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfda ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n fordelt p\u00e5 segmenter<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x610 yfdb w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x614 yfdb w31b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x615 yfdb w31c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x616 yfdb w31d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x617 yfdb w31e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yfdc w31f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.529<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x618 yfdc w320 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.028<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x619 yfdc w321 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e6ringsfordelt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61a yfdc w322 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.028<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61b yfdc w31f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.529<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x61c yfdd w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61d yfdd we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61e yfdd w323 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61f yfdd we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x620 yfdd w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfde w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa yfde w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb yfde w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fc yfde w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fd yfde w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfdf w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe yfdf w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff yfdf w30f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x600 yfdf w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x601 yfdf w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe0 ff2 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger fordelt p\u00e5 segmenter<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5f0 yfe1 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x607 yfe1 wb9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x608 yfe1 w324 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger l\u00f8nnstakere<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x621 yfe1 w1ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x622 yfe1 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yfe2 w22c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x603 yfe2 w1b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x604 yfe2 w325 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x605 yfe2 w312 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x606 yfe2 w313 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yfe3 w22f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60c yfe3 w315 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60d yfe3 w208 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Verdiendring uto<span class=\"_ _0\"></span>ver tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60e yfe3 w316 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60f yfe3 w22f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x610 yfe4 w317 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x42c yfe4 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x611 yfe4 w319 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x612 yfe4 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x613 yfe4 w31a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe5 ff2 fs7 fc3 sc0 ls0 ws0\">Av nedbetalingsl\u00e5n utgj\u00f8r l\u00e5n utpekt til virk<span class=\"_ _0\"></span>elig<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe6 ff2 fs7 fc3 sc0 ls0 ws0\">verdi ov<span class=\"_ _0\"></span>er resultatet (FVO):<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5eb yfe7 w326 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.452<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x623 yfe7 w327 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x624 yfe7 w328 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n til kunder<span class=\"_ _0\"></span>, bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x625 yfe7 w329 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _1\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x626 yfe7 w303 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.452<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb ye84 w32a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.497<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x627 ye84 w32b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x628 ye84 w32c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n til kunder<span class=\"_ _0\"></span>, p\u00e5lydende ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x629 ye84 w32d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62a ye84 w32a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.497<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4da\">I bankens interne risikoklassifiseringss<span class=\"_ _0\"></span>ystem klassifiseres alle engasjementer med individuelle nedskrivninger p\u00e5 utl\u00e5n og garantier som </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4db\">misligholdt uavhengig av ek<span class=\"_ _0\"></span>stern definisjon p\u00e5 mislighold (jf. note 2). De f<span class=\"_ _0\"></span>ordeles ikke p\u00e5 ulik<span class=\"_ _0\"></span>e risikogrupper slik som \u00f8vrige engasjement. </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4dc\">Fordeling p\u00e5 risik<span class=\"_ _0\"></span>ogrupper er basert p\u00e5 at banken beregner misligholdssannsynlighet for alle kunder i utl\u00e5nsportef\u00f8ljen basert p\u00e5 objektive </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4dd\">historiske data. Misligholdssannsynligheten benyttes deretter sammen med sikk<span class=\"_ _0\"></span>erhetsverdier til \u00e5 klassifiser<span class=\"_ _0\"></span>e kundene i ulike risikogrupper<span class=\"_ _1\"></span>. </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4de\">Kundene rescores m\u00e5nedlig i bank<span class=\"_ _0\"></span>ens portef\u00f8ljesystem basert p\u00e5 objektive kriterier<span class=\"_ _1\"></span>. <span class=\"_ _f3\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> </div><table class=\"s w32e h3a\" id=\"_8d798f47-c291-4700-bf8f-d209419841ba\"><tr><td class=\"t m0 x62b hb yfe8 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x62c hb yfe9 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt engasjement fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x62d hb yfe8 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5eb yfea w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62e yfea w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x62f yfea w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x630 yfea w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x631 yfeb w32f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">14.<span class=\"_ _1\"></span>105<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x632 yfeb w320 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">15.076<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x633 yfeb w330 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstakere o.l<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x634 yfeb w322 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">15.076<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x635 yfeb w32f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">14.<span class=\"_ _1\"></span>105<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x636 yfec w11e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x637 yfec w85 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">74<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x638 yfec w331 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig forvaltning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x639 yfec w79 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">74<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63a yfec w11f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb yfed w32d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.663<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63b yfed w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.627<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63c yfed w333 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Prim\u00e6rn\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63d yfed w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.627<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x626 yfed w32d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.663<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfee w334 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">522<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63e yfee w1f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">362<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63f yfee w335 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Industri<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x640 yfee w1f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">362<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x641 yfee w336 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">522<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb yfef w337 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.233<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x642 yfef w338 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.060<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x643 yfef w339 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Bygg og anleggsvirksomhet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x644 yfef w33a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.060<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x645 yfef w33b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.233<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yff0 w33c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">660<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x646 yff0 we7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x647 yff0 w33d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Varehandel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x648 yff0 we7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x649 yff0 w33e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">660<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x64a yff1 w53 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">129<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64b yff1 wc1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">160<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64c yff1 w33f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ranspor<span class=\"_ _3\"></span>t og lagring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64d yff1 wc1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">160<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64e yff1 w340 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">129<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yff2 we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">204<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64f yff2 wfc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">180<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x650 yff2 w341 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hotell- og restaurantdrift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x651 yff2 wfe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">180<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x652 yff2 we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">204<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 yff3 w342 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.090<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x653 yff3 w343 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.481<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x654 yff3 w344 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forretningsmessig tjenesteyting<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x655 yff3 w345 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.476<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x656 yff3 w346 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.085<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yff4 w347 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.553<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x657 yff4 w348 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.868<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x658 yff4 w349 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Omsetning/drift eiendommer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x659 yff4 w34a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.858<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65a yff4 w34b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.498<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yff5 w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">427<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65b yff5 w34c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">175<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65c yff5 w34d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diverse n\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65d yff5 w34c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">175<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65e yff5 w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">427<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w34e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">28.607<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65f ye84 w34f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">29.889<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x660 ye84 w350 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum totalt engasjement fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x661 ye84 w351 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">29.874<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x662 ye84 w352 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">28.547<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w353 h3b\" id=\"_1e6bff21-9c2f-4d16-ad2c-16adb61cee0c\"><tr><td class=\"t m0 x62b hb yff6 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x663 hb yff7 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x62d hb yff6 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5eb yff8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62e yff8 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x62f yff8 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x630 yff8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yff9 w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x664 yff9 w31b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x665 yff9 w354 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e o.l<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x666 yff9 w31d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x667 yff9 w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x668 yffa w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x669 yffa we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66a yffa w355 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig forvaltning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66b yffa we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66c yffa w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb yffb w356 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.390<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66d yffb w357 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>475<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66e yffb w358 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Prim\u00e6rn\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66f yffb w359 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.475<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x670 yffb w35a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.390<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yffc w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">335<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x671 yffc w35b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">325<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x672 yffc w335 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Industri<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x673 yffc w35b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">325<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x674 yffc w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">335<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yffd w135 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.747<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x675 yffd w35c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.812<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x676 yffd w339 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bygg og anleggsvirksomhet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x677 yffd w35d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.812<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x678 yffd w35e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.747<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yffe w35f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">507<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x679 yffe w360 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">509<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67a yffe w33d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Varehandel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x640 yffe w361 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">509<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67b yffe w35f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">507<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfff w9c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">101<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67c yfff w22e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">145<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67d yfff w362 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Transport og lagring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67e yfff w22e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">145<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67f yfff w1cd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">101<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e y1000 w363 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x680 y1000 w364 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x681 y1000 w341 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hotell- og restaurantdrift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x682 y1000 w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x683 y1000 w6d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 y1001 w366 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">987<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x684 y1001 w367 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.250<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x685 y1001 w368 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forretningsmessig tjenesteyting<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x686 y1001 w369 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.250<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x687 y1001 w36a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">987<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb y1002 w170 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.915<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x688 y1002 w36b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.<span class=\"_ _1\"></span>190<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x689 y1002 w349 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Omsetning/drift eiendommer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68a y1002 w36b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.<span class=\"_ _1\"></span>190<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68b y1002 w170 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.915<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 y1003 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">373<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68c y1003 w157 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">158<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68d y1003 w34d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diverse n\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68e y1003 w158 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">158<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68f y1003 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">373<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e y1004 w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa y1004 w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb y1004 w36d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _0\"></span>, ikke sektorfordelt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x690 y1004 w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x691 y1004 w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe ye84 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff ye84 w36e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum brutto utl\u00e5n fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x692 ye84 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x693 ye84 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w36f h3c\" id=\"_9726be5c-e115-4947-a641-d90f632fb702\"><tr><td class=\"t m0 x62b hb y1005 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x694 hb y1006 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n fordelt p\u00e5 geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x62d hb y1005 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5eb y1007 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62e y1007 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x62f y1007 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x630 y1007 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 y1008 w370 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.979<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x695 y1008 w371 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.005<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x696 y1008 w372 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innlandet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x697 y1008 w373 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.005<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x698 y1008 w374 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.979<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 yf26 w375 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.620<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x699 yf26 w376 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69a yf26 w377 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akershus<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69b yf26 w376 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69c yf26 w378 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.620<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 y1009 w379 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.834<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69d y1009 w37a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.352<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69e y1009 w37b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Buskerud<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69f y1009 w37a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.352<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a0 y1009 w379 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.834<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 y100a w37c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.095<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a1 y100a w37d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.582<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a2 y100a w37e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Oslo<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a3 y100a w37f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.582<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a4 y100a w380 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.095<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 y100b w2fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.080<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a5 y100b w381 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">888<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a6 y100b w382 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Landet for \u00f8vrig<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a7 y100b w383 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">888<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a8 y100b w384 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.080<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6a9 yf29 w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6aa yf29 wbb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ab yf29 w385 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utlandet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ac yf29 wbb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ad yf29 w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe ye84 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff ye84 w386 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum brutto utl\u00e5n fordelt p\u00e5 geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ae ye84 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6af ye84 w387 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w388 h3d\" id=\"_3e312e2a-882d-4004-95b9-2ad86e35258e\"><tr><td class=\"t m0 x6b1 hb y100c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x6b2 hb y100c ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y100d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b3 y100d w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x6b4 hb y100e ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til ansatte<span class=\"_ _2cc\"> </span></td><td class=\"c n x6b5 y100d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b6 y100d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6b7 y100f w21a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">435<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b8 y100f w100 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">530<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b9 y100f w389 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ba y100f we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">664<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bb y100f w38a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">567<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6b7 ye97 wa0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">228<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bc ye97 w38b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">253<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bd ye97 w38c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Herav l\u00e5n i SpareBank 1 Boligkreditt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6be ye97 w35b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">253<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bf ye97 we6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">228<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6c0 ye84 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c1 ye84 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c2 ye84 w38d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentesubsidiering ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c3 ye84 wc9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c4 ye84 w14e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr></table><span class=\"_ gs4e9\"> </span>Nedbetalingsl\u00e5n til ansatte gis med inntil 30 \u00e5rs nedbetalingstid og m\u00e5nedlige terminer<span class=\"_ _1\"></span>. Rentesats for nedbetalingsl\u00e5n og flexil\u00e5n til ansatte tilsvarer 60 % av r<span class=\"_ _0\"></span>entesats for nedbetalingsl\u00e5n over 2 MNOK i privatkundemark<span class=\"_ _0\"></span>edet dersom bel\u00e5ningen ligger innenfor henholdsvis 85 % av for<span class=\"_ _0\"></span>svarlig verdi for nedbetalingsl\u00e5n og innenf<span class=\"_ _0\"></span>or 60 % av f<span class=\"_ _0\"></span>orsvarlig verdi f<span class=\"_ _0\"></span>or flexil\u00e5n. T<span class=\"_ _1\"></span>otalt l\u00e5nebel\u00f8p innenfor disse betingelsene kan ikke overstige 3,5 millioner kr<span class=\"_ _0\"></span>oner for den enkelte ansatte. <span class=\"_ _d3\"> </span>KREDITTRISIK<span class=\"_ _0\"></span>O - K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span>T<span class=\"_ _141\"></span>abellen viser kredittrisiko fremstilt i bruttov<span class=\"_ _0\"></span>erdier p\u00e5 finansielle eiendeler vurdert til amortisert kost, virkelig v<span class=\"_ _0\"></span>erdi over OCI ,<span class=\"_ _0\"></span>finansielle garantikontrakter og l\u00e5netilsagn. Bank<span class=\"_ _0\"></span>ens risikoklassifiseringssystem klassifiser<span class=\"_ _0\"></span>er hvert enga-<span class=\"_ _2cc\"> </span>sjement i risikogruppene la<span class=\"_ _0\"></span>vest, lav<span class=\"_ _1\"></span>, middels, h\u00f8y<span class=\"_ _0\"></span>, h\u00f8yeste og misligholdt/nedskre<span class=\"_ _0\"></span>vet basert p\u00e5 kundens mislig-<span class=\"_ _2cc\"> </span>holdssannsynlighet (PD) og sikkerhetsdekning (sikk<span class=\"_ _0\"></span>erhetsklasse). Se for \u00f8vrig note 6 f<span class=\"_ _0\"></span>or ytterligere informasjon om bankens risik<span class=\"_ _0\"></span>ostyring og risikoklassifisering. <table class=\"s w38e h3e\" id=\"_2ead6d06-9982-41c6-a798-1ba94f512c6f\"><tr><td></td><td></td><td class=\"c n x6c6 y1010 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x6c7 y1010 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x116 y1011 w38f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og forskudd til kunder totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c8 y1011 w390 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c9 y1011 w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ca y1011 w392 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cb y1011 w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cc y1011 w393 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cd y1011 w394 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ce y1011 w395 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cf y1011 w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1012 w396 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Lavest</div></td><td class=\"c n x6d0 y1012 w397 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.417<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d1 y1012 w268 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d2 y1012 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6d3 y1012 w399 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.473<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d4 y1012 w39a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.831<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d5 y1012 w39b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>66<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d6 y1012 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6d7 y1012 w39c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.897<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1013 w1e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsb ws12\">Lav</div></td><td class=\"c n x6d8 y1013 w39d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.890<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d9 y1013 w39e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>126<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6da y1013 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6db y1013 w39f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.015<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6dc y1013 w3a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.217<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6dd y1013 w3a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>134<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6de y1013 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6df y1013 w3a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _0\"></span>.351<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1014 w3a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Middels</div></td><td class=\"c n x6e0 y1014 w3a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.624<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e1 y1014 w3a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.491<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e2 y1014 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6e3 y1014 w3a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e4 y1014 w3a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.469<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e5 y1014 w3a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>165<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e6 y1014 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6e7 y1014 w3a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.634<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1015 w3aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8y</div></td><td class=\"c n x6e8 y1015 w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>598<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e9 y1015 w3ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ea y1015 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6eb y1015 w3ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ec y1015 w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>249<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ed y1015 w3af h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>879<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ee y1015 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6ef y1015 w3b0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>128<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf26 w3b1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yest</div></td><td class=\"c n x6f0 yf26 w3b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>270<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f1 yf26 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>467<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f2 yf26 wfe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>27<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f3 yf26 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>764<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f4 yf26 w3b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>162<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f5 yf26 w3b5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>464<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f6 yf26 w3b6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f7 yf26 w3b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>651<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1009 w3b8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n x6f8 y1009 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6f9 y1009 w3b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6fa y1009 w3ba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>258<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6fb y1009 w3bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6fc y1009 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6fd y1009 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6fe y1009 w3bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ff y1009 w2ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x700 hb y1016 ff2 fs7 fc3 sc0 ls0 ws0\">Bruttoverdi </td><td class=\"t m9 x701 hb y1017 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></td><td class=\"c n x702 y1018 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x703 y1018 w3be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x704 y1018 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x705 y1018 w3c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.929<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x706 y1018 w3c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.708<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x707 y1018 w3c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x708 y1018 w3c3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.864<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1019 w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendring utover tapsnedskrivning</div></td><td class=\"c n x709 y1019 w3c4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x70a y1019 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x70b y1019 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x70c y1019 w3c5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x70d y101a w3c6 h3f\"><div class=\"t m0 x113 ha ye9d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _f6\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _45\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span></div></td><td></td><td></td><td class=\"c n x70e y1019 w3c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y101b w3c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum avsetning</div></td><td class=\"c n x70f y101b w3c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(42)</div></td><td class=\"c n x710 y101b w3ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(56)</div></td><td class=\"c n x711 y101b w3cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(47)</div></td><td class=\"c n x712 y101b w3cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(145)</div></td><td class=\"c n x713 y101b w3cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(31)</div></td><td class=\"c n x714 y101b w3ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(60)</div></td><td class=\"c n x715 y101b w3b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(48)</div></td><td class=\"c n x716 y101b w16a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(139)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w3cf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Nettoverdi</div></td><td class=\"c n x717 ye84 w3d0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.759<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x718 ye84 w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.506<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x719 ye84 w139 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>239<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71a ye84 w3d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.503<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71b ye84 w3d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.900<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71c ye84 w3d3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.648<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71d ye84 w3d4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>179<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71e ye84 w3d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.726<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w3d6 h40\" id=\"_5e37743c-e4af-4f7f-a023-06947477cd47\"><tr><td></td><td></td><td class=\"c n x6c6 y101c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x6c7 y101c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x700 hb y101d ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og forskudd til kunder til virk<span class=\"_ _0\"></span>elig </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye92 w3d7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">verdi ov<span class=\"_ _0\"></span>er utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x71f ye92 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x720 ye92 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x721 ye92 w392 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x722 ye92 w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x723 ye92 w3d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x724 ye92 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x725 ye92 w3da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x726 ye92 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1015 w396 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Lavest</div></td><td class=\"c n x727 y1015 w3dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.052<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x728 y1015 w3b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x729 y1015 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x72a y1015 w3dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.074<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x72b y1015 w3dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x72c y1015 w3de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x72d y1015 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x72e y1015 w3df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _141\"></span>.016<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf26 w1e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsb ws12\">Lav</div></td><td class=\"c n x72f yf26 w3e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.425<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x730 yf26 w3e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x731 yf26 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x732 yf26 w3e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.471<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x733 yf26 w3e3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.720<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x734 yf26 w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x735 yf26 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x736 yf26 w1c3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.740<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1009 w3a3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Middels</div></td><td class=\"c n x737 y1009 w3e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.713<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x738 y1009 w3e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>437<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x739 y1009 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x73a y1009 w3e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>149<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x73b y1009 w3e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>189<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x73c y1009 w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>259<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x73d y1009 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x73e y1009 w3e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.448<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100a w3aa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8y</div></td><td class=\"c n x73f y100a w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x740 y100a w3ea h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>212<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e2 y100a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x741 y100a w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>295<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x742 y100a w3eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>100<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x743 y100a w3ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>135<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x744 y100a w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x745 y100a w3ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>235<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100b w3b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yest</div></td><td class=\"c n x746 y100b w3e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>69<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x747 y100b w3ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>188<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x748 y100b w3c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x749 y100b w3ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>260<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74a y100b w3f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74b y100b w3f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>192<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74c y100b w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74d y100b w3f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>218<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf29 w3b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n x6f8 yf29 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x74e yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x74f yf29 w3f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>134<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x750 yf29 w3a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>134<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x751 yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x752 yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x753 yf29 w3f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x754 yf29 w3f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w3f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bruttoverdi</div></td><td class=\"c n x755 ye84 w3f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x756 ye84 w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x757 ye84 w3f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x758 ye84 w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x759 ye84 w3fb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x75a ye84 w3fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>626<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x75b ye84 w1ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>61<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x75c ye84 w3fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.715<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w3fe h40\" id=\"_5cff0555-e8c4-4986-b12e-cee443f27a72\"><tr><td></td><td></td><td></td><td class=\"c n x6c6 y101c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x6c7 y101c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x700 hb y101e ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og forskudd til kunder til amorti-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye92 w3ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">sert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x75d ye92 w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x75e ye92 w401 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x75f ye92 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x760 ye92 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x761 ye92 w3d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x762 ye92 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x763 ye92 w3da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x764 ye92 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1015 w396 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Lavest</div></td><td class=\"c n x765 y1015 w404 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.365<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x766 y1015 w405 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>34<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x767 y1015 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x768 y1015 w406 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.399<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x769 y1015 w407 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.836<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76a y1015 w408 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>45<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76b y1015 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x76c y1015 w409 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.882<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf26 w1e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsb ws12\">Lav</div></td><td class=\"c n x76d yf26 w40a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>464<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76e yf26 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76f yf26 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x770 yf26 w40b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.544<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x771 yf26 w40c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.497<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x772 yf26 w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x773 yf26 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x774 yf26 w237 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.611<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1009 w3a3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Middels</div></td><td class=\"c n x775 y1009 w40e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.911<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x776 y1009 w40f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.054<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x731 y1009 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x777 y1009 w3a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.965<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x778 y1009 w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x779 y1009 w411 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>906<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x77a y1009 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x77b y1009 w412 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>187<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100a w3aa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8y</div></td><td class=\"c n x77c y100a w413 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>515<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x77d y100a w414 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>190<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x77e y100a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x77f y100a w415 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>705<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x780 y100a w12d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>149<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x781 y100a w416 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>744<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x782 y100a w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x783 y100a w415 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>893<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100b w3b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yest</div></td><td class=\"c n x784 y100b w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>201<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x785 y100b w418 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>278<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x786 y100b w419 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x787 y100b w2c1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>503<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x788 y100b w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x789 y100b w41b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>273<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78a y100b w41c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78b y100b w41d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf29 w3b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n x6f8 yf29 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6f9 yf29 w3b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78c yf29 w41e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>124<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78d yf29 w41f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>146<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78e yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x78f yf29 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x790 yf29 w3a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>143<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x791 yf29 w3a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>143<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w3f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bruttoverdi</div></td><td class=\"c n x755 ye84 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x792 ye84 w421 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.657<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x793 ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x794 ye84 w423 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x795 ye84 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.901<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x796 ye84 w425 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.082<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x797 ye84 w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>165<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x798 ye84 w427 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.<span class=\"_ _0\"></span>149<span class=\"_ gs33e\"> </span></div></td></tr></table>72<span class=\"_ _2cc\"> </span>Note 9 \u2013 SpareBank 1 Boligkr<span class=\"_ _0\"></span>editt AS, SpareBank 1 N\u00e6ringskreditt AS og  <span class=\"_ _5a\"> </span>Kredittbank<span class=\"_ _1\"></span>en ASA<span class=\"_ _2cc\"> </span>SP<span class=\"_ _1\"></span>AREBANK 1 BOLIGKREDITT AS<span class=\"_ _2cc\"> </span>SpareBank 1 Boligkreditt AS er eid a<span class=\"_ _0\"></span>v sparebanker som inng\u00e5r i SpareBank 1-alliansen og er samlokalisert med SpareBank 1 N\u00e6ringskreditt AS i Sta<span class=\"_ _0\"></span>vanger<span class=\"_ _1\"></span>. Banken har en eierandel p\u00e5 4,24 prosent pr 31.<span class=\"_ _1\"></span>12.2025 (4,27 prosent pr 31.<span class=\"_ _1\"></span>12.2024). Hensikten med kredittforetak<span class=\"_ _0\"></span>et er \u00e5 sikre bankene i alliansen stabil og langsiktig finansiering a<span class=\"_ _0\"></span>v boligl\u00e5n til konkurransedyktige priser<span class=\"_ _1\"></span>. Obligasjonene til SpareBank 1 Boligkreditt har en rating p\u00e5 Aaa fra Moody's. SpareBank 1 Boligkreditt erverver utl\u00e5n med pant i boliger og utsteder obligasjoner med fortrinns-<span class=\"_ _2cc\"> </span>rett innenfor r<span class=\"_ _0\"></span>egelverket f<span class=\"_ _0\"></span>or dette som ble etablert i 2007<span class=\"_ _141\"></span>. Som en del av alliansen kan banken ov<span class=\"_ _0\"></span>erf\u00f8re utl\u00e5n til foretak<span class=\"_ _0\"></span>et, og som en del av bankens finansierings-<span class=\"_ _2cc\"> </span>strategi er det overf\u00f8rt utl\u00e5n til for<span class=\"_ _0\"></span>etaket. L\u00e5n overf\u00f8rt til SpareBank 1 Boligkreditt AS er sikr<span class=\"_ _0\"></span>et med pant i bolig innenfor 75 prosent a<span class=\"_ _0\"></span>v takst. Overf\u00f8rte utl\u00e5n er juridisk eid av SpareBank 1 Boligkr<span class=\"_ _0\"></span>editt AS og banken har<span class=\"_ _1\"></span>, utover forvaltningsrett og r<span class=\"_ _0\"></span>ett til \u00e5 overta helt eller delvis nedskrevne l\u00e5n, ingen r<span class=\"_ _0\"></span>ett til bruk av l\u00e5nene. V<span class=\"_ _0\"></span>ed utgangen av desember 2025 er bokf\u00f8rt ver<span class=\"_ _0\"></span>di av overf\u00f8rte utl\u00e5n 12,62 milliarder kroner<span class=\"_ _141\"></span>. Banken forest\u00e5r forvaltningen av o<span class=\"_ _0\"></span>verf\u00f8rte utl\u00e5n og mottar en provisjon basert p\u00e5 nettoen av avk<span class=\"_ _0\"></span>astningen p\u00e5 utl\u00e5nene banken har overf\u00f8rt og kostnadene i f<span class=\"_ _0\"></span>oretaket.  Mottatt vederlag for l\u00e5n o<span class=\"_ _0\"></span>verf\u00f8rt fra banken til Spare-<span class=\"_ _2cc\"> </span>Bank 1 Boligkreditt AS tilsvarer nominell v<span class=\"_ _0\"></span>erdi p\u00e5 ov<span class=\"_ _0\"></span>er-<span class=\"_ _2cc\"> </span>f\u00f8rte utl\u00e5n og vurderes tiln\u00e6rmet sammenfallende med l\u00e5nenes virkelige ver<span class=\"_ _0\"></span>di per utgangen av 2025 og 2024. De l\u00e5nene som er overf\u00f8rt til SpareBank 1 Boligkreditt AS er sv\u00e6rt godt sikret og har en sv\u00e6rt liten tapssann-<span class=\"_ _2cc\"> </span>synlighet. Banken har ogs\u00e5 inng\u00e5tt en aksjon\u00e6ra<span class=\"_ _0\"></span>vtale med ak-<span class=\"_ _2cc\"> </span>sjon\u00e6rene i SpareBank 1 Boligkr<span class=\"_ _0\"></span>editt AS. Denne inne-<span class=\"_ _2cc\"> </span>b\u00e6rer blant annet at banken sk<span class=\"_ _0\"></span>al bidra til at SpareBank 1 Boligkreditt AS til enhver tid har en r<span class=\"_ _0\"></span>en kjernekapital-<span class=\"_ _2cc\"> </span>dekning (Core Tier 1) som tilsvarer de kra<span class=\"_ _0\"></span>v som myndig-<span class=\"_ _2cc\"> </span>heter fastsetter (inkludert krav til bufferkapital og Pilar 2 beregninger), og ev<span class=\"_ _0\"></span>entuelt \u00e5 tilf\u00f8re kjernekapital om den faller til et lav<span class=\"_ _0\"></span>ere niv\u00e5. SpareBank 1 Boligkreditt AS har interne retningslinjer om kjernekapitaldekning som overstiger myndighetenes kra<span class=\"_ _0\"></span>v<span class=\"_ _1\"></span>, samt management buffer p\u00e5 0,<span class=\"_ _0\"></span>4%. Ut fra en konkret vur<span class=\"_ _0\"></span>dering har banken valgt ikke \u00e5 holde kapital f<span class=\"_ _0\"></span>or denne forpliktelsen, f<span class=\"_ _0\"></span>ordi risikoen f<span class=\"_ _0\"></span>or at banken skal bli tvunget til \u00e5 bidra anses som sv\u00e6rt liten. Det vises i den forbindelse ogs\u00e5 til at det finnes en rekke handlingsalternativ<span class=\"_ _0\"></span>er som ogs\u00e5 kan v\u00e6re aktuelle dersom en slik situasjon skulle inntreff<span class=\"_ _0\"></span>e.<span class=\"_ _2cc\"> </span>SP<span class=\"_ _1\"></span>AREBANK 1 N\u00c6RINGSKREDITT AS<span class=\"_ _2cc\"> </span>De l\u00e5nene som er overf\u00f8rt til SpareBank 1 N\u00e6rings-<span class=\"_ _2cc\"> </span>kreditt AS er sv\u00e6rt godt sikret og har en sv\u00e6rt liten tapssannsynlighet.<span class=\"_ _2cc\"> </span>SpareBank 1 N\u00e6ringskreditt ble etablert i 2009 og har konsesjon fra Finanstilsynet til \u00e5 driv<span class=\"_ _0\"></span>e som kreditt-<span class=\"_ _2cc\"> </span>foretak. Bank<span class=\"_ _0\"></span>en har en eierandel p\u00e5 9,32 prosent pr 31.<span class=\"_ _1\"></span>12.2025 (9,82 prosent pr 31.<span class=\"_ _1\"></span>12.2024). Obligasjonene til SpareBank1 N\u00e6ringskreditt har en Aaa rating fra Moody's. Foretak<span class=\"_ _0\"></span>et er eid av sparebank<span class=\"_ _0\"></span>er som inng\u00e5r i SpareBank1-alliansen og er samlokalisert med Spare-<span class=\"_ _2cc\"> </span>Bank 1 Boligkreditt i Stavanger<span class=\"_ _141\"></span>. Hensikten med kredittfo-<span class=\"_ _2cc\"> </span>retaket er \u00e5 sikr<span class=\"_ _0\"></span>e bankene i alliansen stabil og langsiktig finansiering av n\u00e6ringseiendom til k<span class=\"_ _0\"></span>onkurransedyktige priser<span class=\"_ _1\"></span>. SpareBank1 N\u00e6ringskreditt erverver utl\u00e5n med pant i n\u00e6ringseiendom og utsteder obligasjoner med fortrinnsrett innenf<span class=\"_ _0\"></span>or regelverk<span class=\"_ _0\"></span>et for dette som ble eta-<span class=\"_ _2cc\"> </span>blert i 2007<span class=\"_ _1\"></span>. Som en del av bank<span class=\"_ _0\"></span>ens finansieringsstrategi er det overf\u00f8rt utl\u00e5n til for<span class=\"_ _0\"></span>etaket. L\u00e5n overf\u00f8rt til Spa-<span class=\"_ _2cc\"> </span>rebank 1 N\u00e6ringskreditt er sikr<span class=\"_ _0\"></span>et med pant i n\u00e6ringsei-<span class=\"_ _2cc\"> </span>endom innenfor 60 prosent a<span class=\"_ _0\"></span>v takst. Overf\u00f8rte l\u00e5n er juridisk eid av Sparebank 1 N\u00e6ringskr<span class=\"_ _0\"></span>editt og banken har<span class=\"_ _1\"></span>, utover forvaltningsrett og r<span class=\"_ _0\"></span>ett til \u00e5 overta helt eller delvis nedskrevne l\u00e5n (til nedskr<span class=\"_ _0\"></span>evet ver<span class=\"_ _0\"></span>di), ingen rett til bruk av l\u00e5nene. V<span class=\"_ _1\"></span>ed utgangen av desember 2025 er bokf\u00f8rt verdi a<span class=\"_ _0\"></span>v solgte utl\u00e5n til SpareBank 1 N\u00e6rings-<span class=\"_ _2cc\"> </span>kreditt AS 840 mill. kr<span class=\"_ _1\"></span>. Banken for<span class=\"_ _0\"></span>est\u00e5r forvaltningen av overf\u00f8rte utl\u00e5n og mottar en provisjon basert p\u00e5 netto-<span class=\"_ _2cc\"> </span>en av a<span class=\"_ _0\"></span>vkastningen p\u00e5 utl\u00e5nene banken har ov<span class=\"_ _0\"></span>erf\u00f8rt og kostnadene i f<span class=\"_ _0\"></span>oretaket.  Mottatt vederlag for l\u00e5n o<span class=\"_ _0\"></span>verf\u00f8rt fra banken til Spa-<span class=\"_ _2cc\"> </span>reBank 1 N\u00e6ringskreditt AS tilsvar<span class=\"_ _0\"></span>er nominell verdi p\u00e5 overf\u00f8rte utl\u00e5n og vurderes tiln\u00e6rmet sammenf<span class=\"_ _0\"></span>allende med l\u00e5nenes virkelige ver<span class=\"_ _0\"></span>di per utgangen av 2025 og 2024.<span class=\"_ _2cc\"> </span>De l\u00e5nene som er overf\u00f8rt til SpareBank 1 N\u00e6rings-<span class=\"_ _2cc\"> </span>kreditt AS er sv\u00e6rt godt sikret og har en sv\u00e6rt liten tapssannsynlighet. Banken har ogs\u00e5 inng\u00e5tt en aksjon\u00e6ra<span class=\"_ _0\"></span>vtale med aksjon\u00e6rene i SpareBank 1 N\u00e6ringskr<span class=\"_ _0\"></span>editt AS. Denne inneb\u00e6rer blant annet at banken sk<span class=\"_ _0\"></span>al bidra til at Spare-<span class=\"_ _2cc\"> </span>Bank 1 N\u00e6ringskreditt kjernekapitaldekningen minst er p\u00e5 11,0 prosent, og eventuelt \u00e5 tilf\u00f8r<span class=\"_ _0\"></span>e kjernekapital om den faller til et lav<span class=\"_ _0\"></span>ere niv\u00e5. SpareBank 1 N\u00e6ringskreditt AS har interne retningslinjer om kjernekapitaldekning som overstiger myndighetenes kra<span class=\"_ _0\"></span>v<span class=\"_ _1\"></span>, samt management buffer p\u00e5 0,<span class=\"_ _0\"></span>4%. Ut fra en konkret vur<span class=\"_ _0\"></span>dering har banken<span class=\"_ _2cc\"> </span>valgt ikke \u00e5 holde kapital f<span class=\"_ _0\"></span>or denne forpliktelsen, f<span class=\"_ _0\"></span>ordi risikoen f<span class=\"_ _0\"></span>or at banken skal bli tvunget til \u00e5 bidra anses som sv\u00e6rt liten. Det vises i den forbindelse ogs\u00e5 til at det finnes en rekke handlingsalternativ<span class=\"_ _0\"></span>er som ogs\u00e5 kan v\u00e6re aktuelle dersom en slik situasjon skulle inntreff<span class=\"_ _0\"></span>e.<span class=\"_ _2cc\"> </span>KREDITTBANKEN ASA<span class=\"_ _2cc\"> </span>Kredittbanken ASA er eid a<span class=\"_ _0\"></span>v sparebank<span class=\"_ _0\"></span>er som inng\u00e5r i SpareBank 1 og Eika-alliansene, og har som f<span class=\"_ _0\"></span>orm\u00e5l \u00e5 v\u00e6re felles kr<span class=\"_ _0\"></span>edittkortselskap f<span class=\"_ _0\"></span>or bankenes kunder<span class=\"_ _1\"></span>. SpareBank 1 Ringerike Hadeland har inng\u00e5tt en ak-<span class=\"_ _2cc\"> </span>sjon\u00e6ravtale med aksjon\u00e6r<span class=\"_ _0\"></span>ene Kredittbanken ASA. Avtalen inneb\u00e6r<span class=\"_ _0\"></span>er blant annet at banken er forpliktet til \u00e5 bidra med egenkapital slik at Kredittbank<span class=\"_ _0\"></span>en ASA har en forsvarlig ans<span class=\"_ _0\"></span>varlig kapital, og til enhver tid oppfyller de minstekrav til ansvarlig kapital som f\u00f8lger a<span class=\"_ _0\"></span>v lovgiv-<span class=\"_ _2cc\"> </span>ning og/eller anbefalinger fra Finanstilsynet og som er n\u00f8dvendig for en f<span class=\"_ _0\"></span>orsvarlig drift a<span class=\"_ _0\"></span>v Kredittbanken ASA. Banken er ogs\u00e5 f<span class=\"_ _0\"></span>orpliktet til \u00e5 bidra med funding av egen portef\u00f8lje (total balanse). Banken mottar provisjon fra Kr<span class=\"_ _0\"></span>edittbanken ASA tilsvarende bank<span class=\"_ _0\"></span>ens andel av renteinntekter fratrukk<span class=\"_ _0\"></span>et fundingkostnader og konstaterte tap, bank<span class=\"_ _0\"></span>ens andel av transaksjonsinntekter samt nysalgsprovisjon.<span class=\"_ _2cc\"> </span>Note 10 \u2013 T<span class=\"_ _141\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span>Morbank og konsern<span class=\"_ _2cc\"> </span>Alle bel\u00f8p er like f<span class=\"_ _0\"></span>or morbank og konsern bortsett fra en konsolidering fra en datter f<span class=\"_ _0\"></span>or brutto og netto utl\u00e5n, se note 5. Bel\u00f8p i mnok. Utl\u00e5n til privatmarkedet er vurdert til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver utvidet resultat. T<span class=\"_ _141\"></span>apsvurdering etter IFRS 9 inng\u00e5r som en del av grunnlaget f<span class=\"_ _0\"></span>or virkelig ver<span class=\"_ _0\"></span>divurdering.<span class=\"_ _2cc\"> </span><table class=\"s w428 h41\" id=\"_7637c4f2-facb-416e-a271-04a864b007b0\"><tr><td></td><td></td><td></td><td class=\"t m0 x799 hb y101f ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x79a hb y1020 ff2 fs7 fc3 sc0 ls0 ws0\">Netto konsta-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x79b hb y1021 ff2 fs7 fc3 sc0 ls0 ws0\">Endring avset-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x79c hb y1021 ff2 fs7 fc3 sc0 ls0 ws0\">tert/innbetalt tid-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1022 w429 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x79d y1022 w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024</div></td><td class=\"t m0 x79e hb y1023 ff2 fs7 fc3 sc0 ls0 ws0\">ning for tap<span class=\"_ _2cc\"> </span></td><td class=\"c n x79f y1022 w42b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ligere konstatert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7a0 y1022 w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1024 w42d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap etter amortisert kost - bedriftsmark<span class=\"_ _0\"></span>edet</div></td><td class=\"c n x7a1 y1024 w161 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a2 y1024 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>32<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a3 y1024 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7a4 y1024 w430 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1025 w431 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di over utvidet resultat (OCI) - Privatmark<span class=\"_ _0\"></span>ed</div></td><td class=\"c n x7a5 y1025 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a6 y1025 w432 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7a7 y1025 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7a8 y1025 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1026 w433 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsvis gruppevis tapsav<span class=\"_ _0\"></span>setning</div></td><td class=\"c n x7a9 y1026 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7aa y1026 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ab y1026 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ac y1026 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w435 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum avsetning til tap p\u00e5 utl\u00e5n og garantier</div></td><td class=\"c n x7ad ye84 w436 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ae ye84 w437 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7af ye84 w438 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(0)</div></td><td class=\"c n x7b0 ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr></table>Morbank/ konsern 2025<span class=\"_ _2cc\"> </span>Netto konsta-<span class=\"_ _2cc\"> </span>Endring avset-<span class=\"_ _2cc\"> </span>tert/innbetalt tid-<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span>01.01.2025ning for tap<span class=\"_ _2cc\"> </span>ligere konstatert<span class=\"_ _2cc\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span>Avsetning til tap etter amortisert kost - bedriftsmark<span class=\"_ _0\"></span>edet<span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span>Virkelig ver<span class=\"_ _0\"></span>di over utvidet resultat (OCI) - Privatmark<span class=\"_ _0\"></span>ed<span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(5)<span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33c\"> </span>18<span class=\"_ gs33c\"> </span>Skj\u00f8nnsvis gruppevis tapsav<span class=\"_ _0\"></span>setning<span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span>Sum avsetning til tap p\u00e5 utl\u00e5n og garantier<span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>(5)<span class=\"_ gs33e\"> </span>(0)<span class=\"_ gs33e\"> </span>144<span class=\"_ _2cc\"> </span>Bankens BM og PM av<span class=\"_ _0\"></span>delinger har i l\u00f8pet av de siste kvartale-<span class=\"_ _2cc\"> </span>ne gjennomf\u00f8rt engasjementsgjennomgang med vurdering av kredittrisikoen som f\u00f8lge a<span class=\"_ _0\"></span>v dagens markedssituasjon. Vi har over tid observert h\u00f8y prisvek<span class=\"_ _0\"></span>st i Norge, men den har avtatt de siste \u00e5rene. Inflasjonen er over f<span class=\"_ _0\"></span>ortsatt over m\u00e5let og, pris-<span class=\"_ _2cc\"> </span>veksten m\u00e5 videre ned f<span class=\"_ _0\"></span>or \u00e5 n\u00e5 inflasjonsm\u00e5let. Norges Bank vurderer det dithen at det renteutsiktene er lite endr<span class=\"_ _0\"></span>et siden september<span class=\"_ _1\"></span>, og forventningen er at styringsrenten settes ned 1-2 ganger i l\u00f8pet a<span class=\"_ _0\"></span>v 2026..  P\u00e5 bakgrunn av dette besluttet Norges Bank i rentem\u00f8tet 17<span class=\"_ _141\"></span>. desember \u00e5 beholde styrings-<span class=\"_ _2cc\"> </span>renten uendret p\u00e5 4,0 prosent. Prognosene er usikr<span class=\"_ _0\"></span>e, men signalene fra Norges Bank tilsier at styringsrenten skal gradvis nedtrappes til om lag 3 prosent i 2028.   T<span class=\"_ _1\"></span>otale tapskostnader i kvartalet bel\u00f8per seg til -6 (Inntekts-<span class=\"_ _2cc\"> </span>f\u00f8ring) mill. kroner<span class=\"_ _1\"></span>. T<span class=\"_ _1\"></span>otale tapskostnader i 2025 bel\u00f8per seg derfor til -4,5 (<span class=\"_ _3\"></span>inntektsf\u00f8ring) mill. kroner<span class=\"_ _1\"></span>.  V<span class=\"_ _0\"></span>ed innf\u00f8ring av L<span class=\"_ _1\"></span>GD v3 h\u00f8sten 2024 hadde banken en \u00f8kning i tapskostnadene med ca 16 mill. kroner<span class=\"_ _1\"></span>. Det er i 4. kvartal 2025 gjort kalibrering av L<span class=\"_ _1\"></span>GD-modellen, som gir reduserte tapskost-<span class=\"_ _2cc\"> </span>nader p\u00e5 om lag 17 mill. kroner<span class=\"_ _1\"></span>.  Det er i fjerde kvartal gjort individuelle nedskrivninger p\u00e5 en-<span class=\"_ _2cc\"> </span>keltengasjement p\u00e5 0,<span class=\"_ _0\"></span>4 mill. kroner og det er konstaterte tap p\u00e5 totalt 0,2 mill. kr<span class=\"_ _1\"></span>, og netto effekter fra individuelt vurderte engasjementer i trinn 3k er derfor en inntektsf\u00f8ring p\u00e5 0,5 mill. kr<span class=\"_ _1\"></span>. i kvartalet<span class=\"_ _3\"></span>. I 2025 er det gjort individuelle nedskrivninger p\u00e5 enkeltengasjementer p\u00e5 2,3 mill. kr<span class=\"_ _1\"></span>. og det er konstaterte tap p\u00e5 totalt 0,7 mill. kroner<span class=\"_ _1\"></span>. T<span class=\"_ _1\"></span>otale effekter fra individuelt vurderte engasjementer i trinn 3k er i 2025 en kostnad p\u00e5 2,7 mill. kr<span class=\"_ _0\"></span>oner<span class=\"_ _1\"></span>. <span class=\"_ _1b7\"></span> Skj\u00f8nnsmessig tapsavsetning ble \u00f8kt fra 0 mill. kroner til 8 mill. kroner i 1.kvartal 2022 og videre til 10 mill. kroner i 4.kvartal 2022 og 12,5 mill. kroner i 4. kvartal 2023 grunnet forventning om at \u00f8kt usikkerhet og endret r<span class=\"_ _0\"></span>entebane vil sl\u00e5 inn i kreditt-<span class=\"_ _2cc\"> </span>modellene med forsink<span class=\"_ _0\"></span>else. Observert PD-niv\u00e5 har v\u00e6rt stabil i 2025, samt at observert PD for friske BM-engasjementer er om lag uendret i 2025.  Det vil alts\u00e5 ta tid f\u00f8r vi ser effektene a<span class=\"_ _0\"></span>v fall i renter for bedriftene, og vi antar at kunder innen b<span class=\"_ _0\"></span>yggg/<span class=\"_ _2cc\"> </span>anlegg og eiendomsutvikling vil v\u00e6re utsatt ogs\u00e5 fremov<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. Bankens vurdering a<span class=\"_ _0\"></span>v skj\u00f8nnsmessig tilleggsavsetning er at den opprettholdes p\u00e5 12,5 mill. kroner i 4. kvartal 2025. T<span class=\"_ _1\"></span>abellene under avstemmer inng\u00e5ende og utg\u00e5ende balanse per trinn.  Avstemmingsposter inkluder<span class=\"_ _0\"></span>er: - Bevegelser mellom trinn, IB f<span class=\"_ _0\"></span>or l\u00e5n som er flyttet til trinnene.  - Nye ustedte l\u00e5n, som reflekterer tapsa<span class=\"_ _0\"></span>vsetningen for ny<span class=\"_ _0\"></span>e innregnede l\u00e5n, inkludert utl\u00e5n som tidligere er fraregnet som f\u00f8lge av endrede vilk\u00e5r<span class=\"_ _1\"></span>.   - Utl\u00e5n som er fraregnet reflekterer a<span class=\"_ _0\"></span>vsetning for utl\u00e5n som er fraregnet i perioden uten at det er nedskrev<span class=\"_ _0\"></span>et som f\u00f8lge av kredittap inkludert l\u00e5n som er fraregnet som f\u00f8lge a<span class=\"_ _0\"></span>v endringer i vilk\u00e5r  - Ny m\u00e5ling av tap inkluderer eff<span class=\"_ _0\"></span>ekt av endringer i input eller forutsetninger i modellen, delvis tilbakebetaling, opptr<span class=\"_ _0\"></span>ekk i eksisterende kreditt, og endringer i m\u00e5ling som f\u00f8lge av o<span class=\"_ _0\"></span>ver-<span class=\"_ _2cc\"> </span>f\u00f8ring mellom trinn.  <div class=\"gs5a4\"><table class=\"s w440 h43\" id=\"_30eb1307-965b-468c-a933-539d04159765\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y102c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w441 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102d w400 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102d w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102d w442 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102d w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102e w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7c2 y102e w444 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>43<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c3 y102e w298 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>47<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c4 y102e w445 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c5 y102e w436 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y102f ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7c6 y1030 w5e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7c7 y1030 w43c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7c8 y1030 w432 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7c9 y1030 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x7ca y1031 w448 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7cb y1031 w449 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7cc y1031 w44a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7cd y1031 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w44b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7ce y1032 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7cf y1032 w44c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7d0 y1032 w44d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d1 y1032 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7d2 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d3 y1033 we0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d4 y1033 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d5 y1033 w434 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w450 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d2 y1034 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d6 y1034 w42e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>32<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d7 y1034 w3e4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d8 y1034 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d9 y1035 w452 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(16)</div></td><td class=\"c n x7da y1035 w453 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n x7db y1035 w454 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(7)</div></td><td class=\"c n x7dc y1035 w455 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(38)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w456 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n som har blitt fraregnet</div></td><td class=\"c n x7dd y1036 w448 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7de y1036 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7df y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7e0 y1036 w43c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x7e1 y1037 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e2 y1037 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e3 y1037 w459 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7e4 y1037 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w45a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x7e9 ye84 w366 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>44<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ea ye84 w45c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>60<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7eb ye84 w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>45<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ec ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs5a5\"><table class=\"s w483 h46\" id=\"_6fb07b5d-f51a-44a1-a58f-0bb8972e6e4f\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1048 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x465 hb y1049 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til virkelig ver<span class=\"_ _0\"></span>di over </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y102e w474 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x812 y102e w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x813 y102e w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x814 y102e w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x815 y102e w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y104a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y104a w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x817 y104a w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83c y104a w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83d y104a w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y104b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1031 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1031 w3c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x771 y1031 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x83e y1031 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x83f y1031 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f4 y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x841 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x842 y1032 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y1033 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x843 y1033 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x845 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x826 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x827 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x847 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x848 y1035 w485 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x849 y1035 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84a y1035 w486 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84b y1035 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x84c y103e w488 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84d y103e w489 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84e y103e w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84f y103e w47f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x850 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x851 y1037 w46c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x852 y1037 w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y104d w458 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y104d w398 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x857 ye84 w48b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>7<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x858 ye84 w476 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>9<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x859 ye84 w477 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs5a6\"><table class=\"s w45e h45\" id=\"_9bbceb94-3b30-4849-baac-1ed768c47b50\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1040 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x465 hb y1041 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til virkelig ver<span class=\"_ _0\"></span>di over </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1042 w474 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x812 y1042 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x813 y1042 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x814 y1042 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x815 y1042 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1043 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y1043 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x817 y1043 w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x818 y1043 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x819 y1043 w477 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1044 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1045 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1045 w466 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81b y1045 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81c y1045 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81d y1045 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x81e y1032 w479 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81f y1032 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x820 y1032 w47b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _0\"></span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fa y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x821 y1046 w47c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x822 y1046 w47d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2,2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x823 y1046 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x824 y1046 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x825 y1034 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x826 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x827 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x828 y1034 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1047 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x829 y1047 w185 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1,0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82a y1047 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82b y1047 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82c y1047 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x82d y1036 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82e y1036 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82f y1036 w465 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x830 y1036 w47f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x832 y1037 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x833 y1037 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x834 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x839 ye84 w482 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83a ye84 w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83b ye84 w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs5a7\"><table class=\"s w45e h44\" id=\"_4e4ab1e2-835d-4543-a0fc-03f10a0df121\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1039 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w441 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102d w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102d w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102d w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102d w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7ed y103a w36a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>44<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ee y103a w45f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>60<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7d7 y103a w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>45<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x336 y103a w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y103b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7ef y1030 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f0 y1030 w460 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f1 y1030 w461 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f2 y1030 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x7f3 y1031 w462 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f4 y1031 we0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f5 y1031 w463 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f6 y1031 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w44b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y103c w464 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f8 y103c w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f9 y103c w3f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fa y103c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7fb y1033 w466 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fc y1033 w467 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fd y1033 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fe y1033 w468 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d2 y103d w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7ff y103d w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x800 y103d w469 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x801 y103d w46a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x802 y1035 w46b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x803 y1035 w14 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x804 y1035 w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x805 y1035 w46d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w456 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n som har blitt fraregnet</div></td><td class=\"c n x806 y103e w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x807 y103e w46f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x808 y103e w470 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x809 y103e w471 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-14<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80b y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80c y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80d y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w45a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>32<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x80f ye84 w1bc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>64<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x810 ye84 w473 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>48<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x811 ye84 w43f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>144<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs5a8\">76<span class=\"_ _2cc\"> </span></div><table class=\"s w48c h43\" id=\"_78c824d7-219f-4c65-84ce-1f210cf0dd79\"><tr><td></td><td></td><td></td><td class=\"t m0 x85a hb y102c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w48d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til amortisert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85b y102d w400 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85c y102d w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85d y102d w3da h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85e y102d w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102e w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7c2 y102e w48e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>37<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x85f y102e w48f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x860 y102e w490 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x861 y102e w491 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>96<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha y102f ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1030 w3c4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x862 y1030 w492 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x863 y1030 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x864 y1030 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x865 y1031 w44a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x866 y1031 w449 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x867 y1031 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x868 y1031 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w44b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7ce y1032 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7cf y1032 w492 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x869 y1032 w3c5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86a y1032 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7d2 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86b y1033 w3f2 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86c y1033 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x581 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w450 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x86d y1034 w493 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x862 y1034 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86e y1034 w494 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86f y1034 w495 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x802 y1035 w496 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(11)</div></td><td class=\"c n x870 y1035 w497 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(12)</div></td><td class=\"c n x871 y1035 w498 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(4)</div></td><td class=\"c n x872 y1035 w499 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(28)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x873 y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x874 y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x875 y1036 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x876 y1036 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x7e1 y1037 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e2 y1037 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e3 y1037 w459 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7e4 y1037 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w45a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w4d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>39<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x877 ye84 w1be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>46<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x878 ye84 w48f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x879 ye84 w49a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w4ac h49\" id=\"_04992bdc-701b-44bf-b443-f7d170a66a13\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1051 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102e w4a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 ubenyttet/ garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102e w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102e w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102e w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102e w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1052 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y1052 w4aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8af y1052 w4ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8b0 y1052 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8b1 y1052 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1053 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1045 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7c6 y1045 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b2 y1045 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b3 y1045 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8b4 y1045 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89b y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x89d y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8b5 y1046 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8b6 y1046 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d4 y1046 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b7 y1046 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x89e y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x898 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b8 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b9 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1047 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a1 y1047 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x881 y1047 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1047 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ba y1047 w486 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a5 y1036 w4ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bb y1036 w4ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bc y1036 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bd y1036 w4af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1054 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1054 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a9 y1054 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8aa y1054 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ab y1054 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8be y1038 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8bf y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x857 ye84 w4aa h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c0 ye84 w7a h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c1 ye84 w476 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w483 h48\" id=\"_b7205904-db6f-4d77-90e5-64fb47542d70\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y104e ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1042 w4a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 ubenyttet/ garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y1042 w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y1042 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y1042 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y1042 w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y104f w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y104f w1da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x895 y104f w4a7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x896 y104f w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x897 y104f w4a8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>5<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1050 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1031 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x825 y1031 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x898 y1031 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x899 y1031 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89a y1031 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89b y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x89d y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y1033 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x843 y1033 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x845 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x89e y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86b y1034 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89f y1034 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8a0 y1034 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a1 y1035 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a2 y1035 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a3 y1035 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a4 y1035 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a5 y103e w4a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a6 y103e w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a7 y103e w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a8 y103e w465 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a9 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8aa y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ab y1037 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y103f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w4aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ac ye84 w4ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ad ye84 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ae ye84 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr></table>Morbank/ konsern 2025<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til amortisert kost (BM)<span class=\"_ _2cc\"> </span>T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span>T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span>T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span>IB 01.01.<span class=\"_ gs33e\"> </span>39<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>46<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>120<span class=\"_ gs33e\"> </span>Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span>Overf\u00f8rt til (fra) trinn 1<span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-10<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2<span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3<span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Nye utstedte eller kj\u00f8pte finansielle eiendeler<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span>\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>35<span class=\"_ gs33c\"> </span>Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n<span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-34<span class=\"_ gs33c\"> </span>Finansielle eiendeler som har blitt fraregnet<span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-9<span class=\"_ gs33c\"> </span>Endring som skyldes konstaterte nedskrivninger (konstaterte tap)<span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span>Skj\u00f8nnsmessig gruppevis tapsavsetning<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>UB 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33e\"> </span>28<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>54<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>38<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>120<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w4b0 h4a\" id=\"_c87c1a82-406f-45ce-97e9-1e578acc97f2\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1055 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w4b1 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c2 y1056 w4b2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c3 y1056 w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c4 y1056 w395 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c5 y1056 w4b3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1057 w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x8c6 y1057 w4b4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.469<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c7 y1057 w404 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.461<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c8 y1057 w4b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>125<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c9 y1057 w4b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.055<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w2c0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>567<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cb y1058 w4b8 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-555<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cc y1058 w144 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cd y1058 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1059 w4b9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1059 w4ba h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cf y1059 w4bb h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>980<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d0 y1059 w144 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y1059 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8d1 y105a w4bd h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d2 y105a w4be h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d3 y105a w4bf h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>128<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d4 y105a w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105b w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x8d5 y105b w406 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.694<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d6 y105b w3ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d7 y105b w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d8 y105b w246 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.904<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8d9 y105c w4c0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.752<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8da y105c w3bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8db y105c w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>92<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8dc y105c w4c1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>125<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105d w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8dd y105d w4c2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3.969<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8de y105d w32d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-501<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8df y105d w4bd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e0 y105d w4c3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4.499<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x8e1 y105e w4c4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.<span class=\"_ _0\"></span>721<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e2 y105e w4c5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e3 y105e w4a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e4 y105e w4c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.936<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105f w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x8e5 y105f w4c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e6 y105f w481 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x890 y105f w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e7 y105f w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x8e8 y1060 w3d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8e9 y1060 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ea y1060 w4c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8eb y1060 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ec ye84 w4ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>19%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ed ye84 w4cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,32%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ee ye84 w4cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15,90%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ef ye84 w4cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,59%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5ae\"><table class=\"s w4b0 h4b\" id=\"_5da67343-619e-490b-9cc0-72ad905c6095\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1061 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w4b1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c2 y1056 w4b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c3 y1056 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c4 y1056 w395 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c5 y1056 w4b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1062 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x8c6 y1062 w4ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f0 y1062 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f1 y1062 w4c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f2 y1062 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>749<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f3 y1058 w4cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>742<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f4 y1058 w48a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f5 y1058 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8f6 y1063 w4d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.<span class=\"_ _1\"></span>130<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f7 y1063 w4d1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.132<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f8 y1063 w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f9 y1063 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8fa y105a w4d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fb y105a w4d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-61<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fc y105a w4d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>80<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d4 y105a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x8d5 y1064 w4d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.<span class=\"_ _0\"></span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fd y1064 w2b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>203<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fe y1064 w47a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ff y1064 w4d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.905<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y105c w4d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.308<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x901 y105c w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>264<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x902 y105c w4d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x903 y105c w4d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.586<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1065 w4da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4.423<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x905 y1065 w4db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-438<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x906 y1065 w4dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x907 y1065 w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4.918<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x908 y105e w4de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.054<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x909 y105e w4df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-211<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x90a y105e w4e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-90<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x90b y105e w4e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.355<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80b y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80c y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f5 y1066 w4e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1067 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x8e8 y1067 w4e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.928<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90c y1067 w4e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.709<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90d y1067 w4e5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90e y1067 w3c3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.864<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ec ye84 w4e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>14%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x90f ye84 w4e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,35%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x910 ye84 w4e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21,22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x911 ye84 w4e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,54%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5af\"><table class=\"s w4ea h4c\" id=\"_9cb46a36-b8b9-49dc-936b-b1b97a0262bb\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1068 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1069 w4eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y1069 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y1069 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y1069 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y1069 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y106a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x916 y106a w4ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.517<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x917 y106a w4ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>973<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x918 y106a w4ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>58<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x919 y106a w4ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.548<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>282<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91a y1058 w4f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-271<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91b y1058 w4a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91c y1058 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x91d y1063 w4f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-387<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91e y1063 w1a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91f y1063 w4f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x920 y1063 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8fa y105a w4d2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x921 y105a w4f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-54<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x922 y105a w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x923 y105a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x924 y1064 w4f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.557<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x925 y1064 w4f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>108<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x926 y1064 w493 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x927 y1064 w4f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.672<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y105c w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.022<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7c3 y105c w3e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>99<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x928 y105c w4d8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>41<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x929 y105c w4fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>162<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x92a y1065 w397 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.675<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92b y1065 w139 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>188<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92c y1065 w471 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92d y1065 w4fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.877<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x92e y105e w4fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.954<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92f y105e w4fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-159<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x930 y105e w4f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x931 y105e w4fe h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.<span class=\"_ _1\"></span>121<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1066 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1066 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x932 y1060 w4ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x933 y1060 w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x934 y1060 w500 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x935 y1060 w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x936 ye84 w501 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,02%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x937 ye84 w502 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,<span class=\"_ _1\"></span>13%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x938 ye84 w503 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,29%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x939 ye84 w504 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>18%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5b0\"><table class=\"s w505 h4d\" id=\"_df73d660-3b69-4a47-984a-da9b800b63e5\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y106b ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y106c w4eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y106c w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y106c w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y106c w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y106c w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y106d w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x93a y106d w4ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93b y106d w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93c y106d w3ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93d y106d w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y106e w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y106e w506 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>303<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x93e y106e w507 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-297<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x93f y106e w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x940 y106e w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y106f w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x91d y106f w508 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x941 y106f w509 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>239<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x942 y106f w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x943 y106f w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1070 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y1070 w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x945 y1070 w144 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x946 y1070 w3de h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x947 y1070 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1071 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x948 y1071 w50a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.017<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d6 y1071 w3f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x949 y1071 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x52d y1071 w50b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.080<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1072 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y1072 w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.208<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94a y1072 w50c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>61<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94b y1072 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94c y1072 w50d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.275<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1073 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1073 w50e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.878<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94d y1073 w50f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-196<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94e y1073 w46d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94f y1073 w510 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3.<span class=\"_ _0\"></span>120<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1074 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x950 y1074 w511 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.718<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x951 y1074 w512 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-133<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x952 y1074 w513 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x953 y1074 w514 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.903<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1075 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y1075 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1076 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x954 y1076 w515 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x955 y1076 w516 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>626<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x956 y1076 w517 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>61<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x957 y1076 w3fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.715<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x958 ye84 w518 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0,01%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x959 ye84 w519 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">1,06%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95a ye84 w51a h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">15,35%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95b ye84 w51b h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _0\"></span>13%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5b2\"><table class=\"s w51c h4a\" id=\"_e563511f-3c84-4cf5-a129-607edfbfeadd\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1055 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w51d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95c y1056 w390 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95d y1056 w394 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95e y1056 w402 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95f y1056 w3db h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1057 w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x960 y1057 w51e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x961 y1057 w294 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.488<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x962 y1057 w51f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>67<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x963 y1057 w520 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.507<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x964 y1058 w521 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>281<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x965 y1058 w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-281<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x966 y1058 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x967 y1058 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1059 w4b9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1059 wde h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-580<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x968 y1059 w522 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>584<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x969 y1059 w4af h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96a y1059 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y105a w48a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96b y105a w523 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>49<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96c y105a w524 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96d y105a w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105b w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x948 y105b w525 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.292<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96e y105b w3e4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>99<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x882 y105b w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x96f y105b w237 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.391<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x970 y105c w526 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x971 y105c w527 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>181<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x972 y105c w494 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x973 y105c w528 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.880<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105d w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x974 y105d w529 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1.283<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x975 y105d w52a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-310<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x976 y105d w52b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-15<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x977 y105d w52c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.608<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x978 y105e w52d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-847<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x979 y105e w4f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-54<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97a y105e w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97b y105e w52e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-905<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105f w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y105f w461 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97c y105f w52f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97d y105f w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97e y105f w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x932 y1060 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x97f y1060 w530 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.658<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x980 y1060 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>148<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x981 y1060 w532 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x982 ye84 w533 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,36%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x983 ye84 w534 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,98%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x984 ye84 w289 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23,87%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x985 ye84 w501 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,96%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5b3\"><table class=\"s w535 h4b\" id=\"_fee703a6-3651-43c7-bf69-6691890a11b7\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1061 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w51d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95c y1056 w390 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95d y1056 w394 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95e y1056 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95f y1056 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1062 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x93a y1062 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x986 y1062 w530 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.658<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x987 y1062 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>148<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x988 y1062 w532 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x964 y1058 w536 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x989 y1058 w537 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98a y1058 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x98b y1058 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1063 w538 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-884<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98c y1063 w539 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>884<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98d y1063 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x98e y1063 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x98f y105a w53a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x990 y105a w523 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>49<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x991 y105a w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x992 y105a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x993 y1064 w53b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>804<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x994 y1064 w53c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>168<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1064 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x995 y1064 w53d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>972<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x996 y105c w53e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.795<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x822 y105c w417 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>199<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x997 y105c w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x998 y105c w53f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.002<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1065 w540 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.262<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x999 y1065 w541 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-242<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99a y1065 w49d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99b y1065 w542 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.514<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x978 y105e w52d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>437<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x979 y105e w543 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-93<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99c y105e w544 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-41<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99d y105e w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-572<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1066 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99e y1066 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1067 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x99f y1067 w546 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.901<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a0 y1067 w547 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.083<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a1 y1067 w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>165<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a2 y1067 w548 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.149<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x982 ye84 w549 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,28%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a3 ye84 w54a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,74%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a4 ye84 w54b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23,44%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a5 ye84 w501 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,96%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5b4\"><table class=\"s w54c h4e\" id=\"_7d85f0a0-662e-4ff2-b5c8-8ce976039784\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1077 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y104f w54d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ubenyttet kreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y104f w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y104f w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y104f w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y104f w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1078 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x9a6 y1078 w54e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.833<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a7 y1078 w303 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>282<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a8 y1078 w54f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a9 y1078 w550 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _1\"></span>114<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x9aa y1031 w551 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ab y1031 w552 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-67<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ac y1031 w52f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ad y1031 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x9ae y103c w52b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9af y103c w553 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b0 y103c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9b1 y103c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y1033 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b2 y1033 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b3 y1033 w3c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b4 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x9b5 y103d w554 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b6 y103d w3b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b7 y103d w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9b8 y103d w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>228<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9b9 y1035 w539 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>488<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ba y1035 w469 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86c y1035 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9bb y1035 wa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>498<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9bc y103e w4db h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-483<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9bd y103e w555 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9be y103e w46f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9bf y103e w556 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-517<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x9c0 y1037 w19a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-163<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9c1 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9c2 y1037 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9c3 y1037 w557 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>164<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y103f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x9c4 ye84 w558 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.894<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x955 ye84 w516 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>269<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c5 ye84 w559 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c6 ye84 w55a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs5b5\"><table class=\"s w505 h4f\" id=\"_45a0306e-e172-4994-a5a5-8bfe513f95a6\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1079 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y104a w54d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ubenyttet kreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y104a w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y104a w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y104a w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y104a w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y107a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x9c7 y107a w3e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.894<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a7 y107a w3fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>269<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c8 y107a w559 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c9 y107a w55b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x9ca y1031 w42e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cb y1031 w55c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cc y1031 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9cd y1031 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x9ce y1032 w55d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cf y1032 w495 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d0 y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d1 y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x9d2 y1033 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d3 y1033 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d4 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x947 y1033 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x9b5 y1034 w55e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>268<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d5 y1034 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d6 y1034 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d7 y1034 w2ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>269<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9d8 y1035 w55f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d9 y1035 w560 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9da y1035 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x872 y1035 w561 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>484<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9db y1036 w562 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9dc y1036 w4dc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9dd y1036 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9de y1036 w563 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-507<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x9df y1037 w564 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-130<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e0 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e1 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e2 y1037 w52a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-130<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8be y1038 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8bf y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x9c4 ye84 w565 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.998<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e3 ye84 w566 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>276<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e4 ye84 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e5 ye84 w567 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.202<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs5b6\">79<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w568 h50\" id=\"_420d9ab2-98ea-4f34-825d-fb16dc47506c\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y107b ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y107c w569 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Periodens tap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e7 y107c w56a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e8 y107c w56b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w56c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Endring i nedskrivning T<span class=\"_ _1\"></span>rinn 1 &amp; 2</div></td><td class=\"c n x9e9 y1032 w132 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ea y1032 w4f3 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w56d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Endring i nedskrivning T<span class=\"_ _1\"></span>rinn 3</div></td><td class=\"c n x90a y1046 w43d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>18<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9eb y1046 w3f2 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w56e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Effekt skj\u00f8nnsmessig nedskrivning</div></td><td class=\"c n x9ec y1034 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9ed y1034 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w56f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Konstaterte tap med tidligere nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ee y1035 w570 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ef y1035 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w571 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Konstaterte tap uten tidligere nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f0 y1036 w572 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9f1 y1036 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w573 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Inngang p\u00e5 tidligere konstaterte nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f2 y1037 w574 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws5\">-1<span class=\"_ _3\"></span><span class=\"_ gs33c\"> </span><span class=\"_ _ad\"> </span></div></td><td class=\"c n x7f6 y1037 w4e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w575 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre korr<span class=\"_ _0\"></span>eksjoner / amortisering av nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f3 y1038 w576 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9f4 y1038 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w577 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum tap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f5 ye84 w578 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9f6 ye84 w579 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33e\"> </span>5<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Etter gitte instrukser blir misligholdte l\u00e5n/ kreditter og ov<span class=\"_ _0\"></span>ertrukne konti overf\u00f8rt til Kredinor AS (inkasso). Pr 31.<span class=\"_ _1\"></span>12.2025 utgjorde konstaterte tap, som banken f<span class=\"_ _0\"></span>ortsatt har juridisk rett p\u00e5, 8,8 mill. kroner<span class=\"_ _1\"></span>. <div class=\"gs2bf\"><table class=\"s w57a h51\" id=\"_4f736cb5-7c68-42d4-b4d8-301f5b01e047\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y107d ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y107e w57b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdte engasjement<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e7 y107e w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e8 y107e w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y107f w57c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto misligholdte engasjement over 90 dager</div></td><td class=\"c n x9f7 y107f w57d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>112</div></td><td class=\"c n x9f8 y107f w43d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1080 w57e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3 nedskriving<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f9 y1080 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fa y1080 w57f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>15<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1081 w580 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto misligholdte engasjement</div></td><td class=\"c n x9fb y1081 w95 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>101</div></td><td class=\"c n x9fc y1081 w581 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>66<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1082 w582 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avsetningsgrad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fd y1082 w583 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9,8<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x539 y1082 w584 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">18,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1083 w585 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Brutto misligholdte engasjement i % av brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fe y1083 w586 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,4<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ff y1083 w587 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1084 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige tapsutsatte engasjement:<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1085 w588 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrig tapsutsatte engasjement</div></td><td class=\"c n xa00 y1085 w589 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>173</div></td><td class=\"c n xa01 y1085 w2bb h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>145<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1086 w57e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3 nedskriving<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa02 y1086 w58a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa03 y1086 w58b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>33<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1087 w58c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto tapsutsatte engasjement</div></td><td class=\"c n xa04 y1087 w58d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>217</div></td><td class=\"c n xa05 y1087 w58e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>159<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1088 w582 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avsetningsgrad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa06 y1088 w58f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15,<span class=\"_ _1\"></span>1<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa07 y1088 w590 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22,8<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w591 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrig tapsutsatte engasjement i % av brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa08 ye84 w2b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,0<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa09 ye84 w25a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w592 h52\" id=\"_159b712e-4319-4e60-a1b7-a30fb3261066\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y1089 ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"c n xa0a yfa4 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa0b yfa4 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa0c yfa4 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y108a ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser *)<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y108b w593 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser</div></td><td class=\"c n xa0d y108b w3ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>794</div></td><td class=\"c n xa0e y108b w42 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>126</div></td><td class=\"c n xa0f y108b w594 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>920<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w595 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser</div></td><td class=\"c n xa10 ye84 w2ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>794</div></td><td class=\"c n xa11 ye84 w596 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>126</div></td><td class=\"c n xa12 ye84 w597 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>920<span class=\"_ _2cc\"> </span></div></td></tr></table></div>) T<span class=\"_ _1\"></span>abellen viser l\u00e5n hvor det er innvilget betalingslettelse for \u00e5 avhjelpe finansielle pr<span class=\"_ _0\"></span>oblemer hos kunden (blir etter IFRS 9 klassifisert enten i trinn 2 eller trinn 3). L\u00e5n som har en vesentlig \u00f8kt kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinnregning, skal klassifiseres i trinn 2, mens kredittf<span class=\"_ _0\"></span>orringede l\u00e5n skal klassifiseres i trinn 3.  I de tilfeller hvor engasjementene antas \u00e5 ha underliggende v<span class=\"_ _0\"></span>erdier i pantet, bekreftet av takst eller ver<span class=\"_ _0\"></span>divurdering fra eksterne kilder<span class=\"_ _1\"></span>, som overstiger engasjementets st\u00f8rr<span class=\"_ _0\"></span>else er det ikke gjort tapsavsetninger<span class=\"_ _1\"></span>.   <span class=\"_ _d8\"> </span><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 11 \u2013 Maksimal kredittek<span class=\"_ _0\"></span>sponering, ikke hensyntatt pantstillelser<span class=\"_ _2cc\"> </span></div>T<span class=\"_ _1\"></span>abellen nedenfor viser maksimal eksponering mot kredittrisik<span class=\"_ _0\"></span>o i balansen, inkludert derivater<span class=\"_ _0\"></span>. Eksponeringen er vist brutto f\u00f8r ev<span class=\"_ _0\"></span>entuelle pantstillelser og tillatte motregninger<span class=\"_ _1\"></span>. <span class=\"_ _f2\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> <div class=\"gs5bf\"><table class=\"s w598 h53\" id=\"_9735aa9f-acce-4bac-8719-aaa475226633\"><tr><td class=\"c n xa14 y108c w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xa15 y108c w599 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto eksponering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa16 y108c w2f4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa17 y108d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa18 y108d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa19 y108d w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa1a y108d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa1b y108d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 xa1c hb y108e ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Eiendeler<span class=\"_ _13c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xa1d y108f w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa1e y108f w59b h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Kontanter og fordringer p\u00e5 sentralbank<span class=\"_ _0\"></span>er<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa1f y108f w417 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa20 y108f w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa14 y1090 w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa21 y1090 w59d h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Utl\u00e5n til og fordringer p\u00e5 kredittinstitusjoner<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa22 y1090 w4f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa23 y1090 w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa24 y1091 w59f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.6<span class=\"_ _2cc\"> </span>46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa25 y1091 w5a0 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26.864<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Brutto utl\u00e5n til og fordringer p\u00e5 kunder<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa26 y1091 w5a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26.864<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa27 y1091 w5a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.646<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa28 y1092 w5a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa29 y1092 w5a4 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Sertifikater og obligasjoner til virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2a y1092 w5a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2b y1092 w5a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa2c y1093 w5a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xa2d y1093 w5a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Derivater<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2e y1093 w36c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2f y1093 w5a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa2c y1094 w5aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>63<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa30 y1094 w5ab h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span><span class=\"_ gs33c\"> </span>Andre eiendeler (note 31)<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa31 y1094 w3f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>85<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa32 y1094 w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1095 w5ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>29.682<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa33 y1095 w5ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30.760<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x660 y1095 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xa34 y1095 w5ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30.<span class=\"_ _0\"></span>790<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa35 y1095 w5af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>29.715<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xa1c hb y1096 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Forpliktelser<span class=\"_ _39\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xa14 y1097 w5b0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>788<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa36 y1097 w5b1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa37 y1097 w5b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betingede forpliktelser (stilte garantier)</div></td><td class=\"c n xa38 y1097 w5b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>763<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa39 y1097 w3e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>743<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa17 y1098 w5b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>174<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3a y1098 w5b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.217<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3b y1098 w5b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ubenyttede kreditter</div></td><td class=\"c n xa3c y1098 w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3d y1098 w5b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y1099 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3f y1099 w5b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa40 y1099 w5b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innvilgede l\u00e5netilsagn (ikke diskontert)</div></td><td class=\"c n xa41 y1099 w5ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa42 y1099 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa43 y109a w5bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.769<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa44 y109a w5bc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.<span class=\"_ _1\"></span>192<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa45 y109a w5bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle kredittforpliktelser</div></td><td class=\"c n xa46 y109a w40f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.<span class=\"_ _1\"></span>132<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa47 y109a w5be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.709<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n xa24 ye84 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.451<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa48 ye84 w5bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa49 ye84 w5c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum total kredittrisikoeksponering</div></td><td class=\"c n xa4a ye84 w5c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.922<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa4b ye84 w5c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.424<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5c0\"><span class=\"_ gs33f\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5c1\"><span class=\"_ gs33f\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 h9 ff4 fs6 fc3 sc0 ls0 ws0 gs5c2\">1)</div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5c3\"> Netto utl\u00e5n til og fordringer p\u00e5 kunder m\u00e5lt til virk<span class=\"_ _0\"></span>elig verdi ov<span class=\"_ _0\"></span>er resultatet utgj\u00f8r kr 1.<span class=\"_ _1\"></span>198 mill. kr<span class=\"_ _0\"></span>. pr 31.desember 2025 (1.452 mill. kr<span class=\"_ _1\"></span>.) for </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5c4\">morbank og konsern<span class=\"_ _2cc\"> </span></div><div class=\"gs5c5\"><table class=\"s w5c3 h54\" id=\"_846897ab-928e-43e0-b790-ce6ea0e3f343\"><tr><td class=\"c n xa4d y109b w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xa4e y109b w5c4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls5 ws0\">Kredittrisikoeksponering knyttet til finansielle eiendeler fordelt p\u00e5 land<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa4f y109b w99 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa50 y109c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa51 y109c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa52 y109c w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa53 y109c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa54 y109c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xa55 hb y109d ff2 fs7 fc3 sc0 ls0 ws0\">Kreditteksponering knyttet til utl\u00e5n inkl. ubenyttede kreditter</td><td></td><td></td></tr><tr><td class=\"c n xa56 y109e w5c5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33.413<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa57 y109e w402 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>34.916<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa58 y109e w5c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Norge</div></td><td class=\"c n xa59 y109e w5c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>34.886<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa5a y109e w5c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33.386<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa5b y1026 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa5c y1026 w5c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Utlandet</div></td><td></td><td class=\"c n xa5d y1026 w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa5e y1026 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.451<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa5f ye84 w5bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa60 ye84 w5ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt fordelt p\u00e5 geografiske omr\u00e5der</div></td><td class=\"c n xa61 ye84 w5c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.922<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa62 ye84 w5cb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.424<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs5c6\">81<span class=\"_ _2cc\"> </span></div>Det er kun posten utl\u00e5n som fordeles etter geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ _1\"></span>, ref<span class=\"_ _0\"></span>. note 8. Andre eiendeler er kun eksponert i Norge. For mer inf<span class=\"_ _0\"></span>orma-<span class=\"_ _2cc\"> </span>sjon av sikkerhetens ber<span class=\"_ _0\"></span>egning og estimater henvises leseren til note 3<span class=\"_ _2cc\"> </span>Sikkerheter pr<span class=\"_ _1\"></span>. sikkerhetsklasse<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>abellen under viser total verdi av sikk<span class=\"_ _0\"></span>erheter fordelt pr<span class=\"_ _141\"></span>. sikkerhetsklasse i bankens risikoklassifiseringssystem. Risik<span class=\"_ _0\"></span>oklasseinnde-<span class=\"_ _2cc\"> </span>ling skjer 'ved at det beregnes misligholdssannsynlighet f<span class=\"_ _0\"></span>or alle kunder i utl\u00e5nsportef\u00f8ljen basert p\u00e5 objektive data og scores p\u00e5 m\u00e5nedlig basis. Banken reduser<span class=\"_ _0\"></span>er kredittrisikoen ved \u00e5 ta sikk<span class=\"_ _0\"></span>erhet i pant, og den vanligste formen for sikk<span class=\"_ _0\"></span>erhet er pant i fast eien-<span class=\"_ _2cc\"> </span>dom, men det benyttes ogs\u00e5 andre typer sikkerheter<span class=\"_ _1\"></span>.  V<span class=\"_ _0\"></span>erdien av sikk<span class=\"_ _0\"></span>erheten er beregnet som omsetningsver<span class=\"_ _0\"></span>di p\u00e5 de respektive sikkerhetstypene. Omsentingsver<span class=\"_ _0\"></span>di for andre sikk<span class=\"_ _0\"></span>erheter enn eiendom er vanligvis satt som bokf\u00f8rt verdi i siste avlagte \u00e5r<span class=\"_ _0\"></span>sregn-<span class=\"_ _2cc\"> </span>skap. Sikkerhetsdekning er ber<span class=\"_ _0\"></span>egnet som verdi a<span class=\"_ _0\"></span>v sikkerheten delt p\u00e5 exposure at def<span class=\"_ _0\"></span>ault (EAD). V<span class=\"_ _0\"></span>erdiene er beregnet ut i fra et gjennomsnitt av sikkerhetsdekningsintervallene innenf<span class=\"_ _0\"></span>or hver klasse<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w5cc h55\" id=\"_024b3b76-66b3-4b24-b3fb-188c7db83a7c\"><tr><td class=\"c n x116 y1063 w5cd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank og konsern<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa63 y1063 w5ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Prosentvis snitt pr klasse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa64 y1063 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa65 y1063 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w5cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa66 y103c w5d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">120%</div></td><td class=\"c n xa67 y103c w5d1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.872<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d8 y103c w5d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.902<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w5d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa68 y1033 w5d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">110%</div></td><td class=\"c n xa69 y1033 w5d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.882<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa6a y1033 w379 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.732<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w5d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa6b y103d w5d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">90%</div></td><td class=\"c n xa6c y103d w5d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>176<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa6d y103d w5d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.399<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w5da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa6e y1035 w5db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70%</div></td><td class=\"c n xa6f y1035 w5dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8.<span class=\"_ _0\"></span>169<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa70 y1035 w5dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.738<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w5de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa71 y103e w4a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50%</div></td><td class=\"c n xa72 y103e w5b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>165<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa73 y103e w5df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.819<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w5e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa74 y1037 w5e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">30%</div></td><td class=\"c n xa75 y1037 w5e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>427<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa76 y1037 w5e3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>552<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w5e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa77 y103f w5e5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10%</div></td><td class=\"c n xa78 y103f w5e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>453<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa79 y103f w5e7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>608<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w5e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum sikkerheter fra risikoklassifisering</div></td><td></td><td class=\"c n xa7a ye84 w5e9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.<span class=\"_ _0\"></span>143<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa7b ye84 w5ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24.750<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs5c8\">Note 12 \u2013 Finansielle instrumenter og motregning<span class=\"_ _2cc\"> </span></div>I henhold til IFRS 7 skal det opplyses  om hvilke finan-<span class=\"_ _2cc\"> </span>sielle instrumenter banken anser \u00e5 oppfylle kra<span class=\"_ _0\"></span>vene til nettof\u00f8ring ihht. IAS 32.42, samt hvilke finansielle instrumenter man har inng\u00e5tt motregningsavtaler p\u00e5. Begge ihht. IFRS 7<span class=\"_ _141\"></span>.<span class=\"_ _1\"></span>13 A-F<span class=\"_ _1\"></span>. I den finansielle oppstillingen har banken ingen finansiel-<span class=\"_ _2cc\"> </span>le instrumenter som bokf\u00f8res netto. Sparebank 1 Ringerike Hadeland har a<span class=\"_ _0\"></span>vtaler som regule-<span class=\"_ _2cc\"> </span>rer motpartsrisiko og netting a<span class=\"_ _0\"></span>v derivater<span class=\"_ _1\"></span>. Mot kunder i person- og bedriftsmarkedet anv<span class=\"_ _0\"></span>endes rammeavtaler med krav om sikk<span class=\"_ _0\"></span>erhetsstillelse.  Mot finansielle institusjoner inng\u00e5r konsernets standar-<span class=\"_ _2cc\"> </span>diserte og hovedsaklig bilaterale ISD<span class=\"_ _0\"></span>A-a<span class=\"_ _0\"></span>vtaler<span class=\"_ _1\"></span>. Under ISDA har k<span class=\"_ _0\"></span>onsernet inng\u00e5tt tilleggsavtale om k<span class=\"_ _0\"></span>ontant sikkerhetsstillelse (CSA) mot institusjonelle motparter<span class=\"_ _1\"></span>.  Kunder i person- og bedriftsmarkedet som driv<span class=\"_ _0\"></span>er tradingvirksomhet henvises til Sparebank 1 SMN f<span class=\"_ _0\"></span>or ut\u00f8velse av virk<span class=\"_ _0\"></span>somheten. Eiendelene og forpliktelsene nedenf<span class=\"_ _0\"></span>or kan motregnes<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w5eb h56\" id=\"_b5cb55b3-4b08-480a-93bd-e917be041c89\"><tr><td></td><td></td><td></td><td class=\"t m0 xa7c hb y109f ff2 fs7 fc3 sc0 ls0 ws0\">Netto finansi-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xa7d hb y10a0 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto finansielle </td><td></td><td class=\"t m0 xa7e hb y10a0 ff2 fs7 fc3 sc0 ls0 ws0\">elle eiendeler/<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa7f hb y10a0 ff2 fs7 fc3 sc0 ls0 ws0\">Avgitt/mottatt </td></tr><tr><td></td><td class=\"t m0 xa80 hb y10a1 ff2 fs7 fc3 sc0 ls0 ws0\">eiendeler/for-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 xa7c hb y10a1 ff2 fs7 fc3 sc0 ls0 ws0\">forpliktelser i </td><td class=\"t m0 xa81 hb y10a1 ff2 fs7 fc3 sc0 ls0 ws0\">kontantsikker-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x51f hb y10a2 ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></td><td class=\"c n xa82 y10a3 w5ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">pliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa83 y10a3 w5ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Nettof\u00f8rt<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 xa84 hb y10a2 ff2 fs7 fc3 sc0 ls0 ws0\">balansen<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa85 hb y10a2 ff2 fs7 fc3 sc0 ls0 ws0\">het<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 yf6a w5ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa86 yf6a w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">79<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa87 yf6a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa88 yf6a wb1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">79<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa89 yf6a w131 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w5ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8a ye84 w94 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221277<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8b ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8c ye84 w94 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221277<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8d ye84 w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5cb\"><table class=\"s w5eb h57\" id=\"_50ba0bce-d91d-4252-9c44-747842bcb591\"><tr><td></td><td></td><td></td><td class=\"t m0 xa7c hb y10a4 ff2 fs7 fc3 sc0 ls0 ws0\">Netto finansi-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xa7d hb y10a5 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto finansielle </td><td></td><td class=\"t m0 xa7e hb y10a5 ff2 fs7 fc3 sc0 ls0 ws0\">elle eiendeler/<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa7f hb y10a5 ff2 fs7 fc3 sc0 ls0 ws0\">Avgitt/mottatt </td></tr><tr><td></td><td class=\"t m0 xa80 hb y10a6 ff2 fs7 fc3 sc0 ls0 ws0\">eiendeler/for-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 xa7c hb y10a6 ff2 fs7 fc3 sc0 ls0 ws0\">forpliktelser i </td><td class=\"t m0 xa81 hb y10a6 ff2 fs7 fc3 sc0 ls0 ws0\">kontantsikker-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x51f hb y10a7 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"c n xa82 y10a8 w5ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">pliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa83 y10a8 w5ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Nettof\u00f8rt<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 xa84 hb y10a7 ff2 fs7 fc3 sc0 ls0 ws0\">balansen<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa85 hb y10a7 ff2 fs7 fc3 sc0 ls0 ws0\">het<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y10a9 w5ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa86 y10a9 w5f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">88<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8e y10a9 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8f y10a9 wae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">88<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa90 y10a9 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221220<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w5ef h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa91 ye84 w220 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221287<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8b ye84 w75 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa92 ye84 w5f1 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221287<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa93 ye84 w82 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs5cd\">Note 13 \u2013 Kredittkvalitet per klasse a<span class=\"_ _0\"></span>v finansielle eiendeler<span class=\"_ _2cc\"> </span></div><div class=\"gs5ce\"><table class=\"s w5f2 h58\" id=\"_ec5f901f-6f16-4607-bb7a-73a800ae1d21\"><tr><td class=\"c n xa95 y10aa w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank</div></td><td></td><td></td><td></td><td></td><td class=\"c n xa96 y10aa w5f3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>Risikoklasse<span class=\"_ gs33e\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xa97 hb y10ab ff2 fs7 fc3 sc0 ls0 ws0\">Laveste </td><td></td><td class=\"t m0 xa98 hb y10ab ff2 fs7 fc3 sc0 ls0 ws0\">Middels </td><td></td><td class=\"t m0 xa99 hb y10ab ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8yeste </td><td></td><td class=\"t m0 xa9a hb y10ab ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span></td></tr><tr><td class=\"c n x116 y10ac w5f4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xa9c y10ac w5f5 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">Noter</div><div class=\"t m0 xa9b hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span></div></td><td class=\"c n xa9d y10ac w5f6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xa9e y10ac w5f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lav risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa9f y10ac w5f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xaa0 y10ac w5f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8y risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa1 y10ac w5f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xaa2 y10ac w5fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdt<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c xa95 y10ae w5fb h59\"><div class=\"t m0 x113 ha y10ad ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edit-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">tinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa3 y10ae w11d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7</div></td><td class=\"c n xaa4 y10af w5fc h3f\"><div class=\"t m0 x113 ha ye9d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _f8\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xaa5 y10ae w4f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 xaa6 ha y10b0 ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordringer p\u00e5 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 xaa6 ha y10b1 ff4 fs7 fc3 sc0 ls0 ws0\">kunder <span class=\"_ _a1\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4a\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _47\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _12\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n xa95 y10b2 w5fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa7 y10b2 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8</div></td><td class=\"c n xaa8 y10b2 w5fe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.470<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaa9 y10b2 w5ff h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.586<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaaa y10b2 w600 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.329<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaab y10b2 w601 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>233<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaac y10b2 w41a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>193<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaad y10b2 w524 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaae y10b2 w602 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.866<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa95 y10b3 w603 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaaf y10b3 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8</div></td><td class=\"c n xab0 y10b3 w5d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.666<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab1 y10b3 w604 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.585<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab2 y10b3 w605 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.162<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab3 y10b3 w3e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>875<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab4 y10b3 w606 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab5 y10b3 w3a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>143<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab6 y10b3 w607 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.864<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c xa95 y10b5 w608 h5a\"><div class=\"t m0 x113 ha y10b4 ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordring p\u00e5 kun-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha y10ad ff4 fs7 fc3 sc0 ls0 ws0\">der og kredittinstitusjoner kla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>i-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws0\">fisert som finansielle eiendeler til<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 xaa6 ha y10b6 ff4 fs7 fc3 sc0 ls0 ws0\">virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _dd\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7c\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n xa95 y10b7 w5fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa7 y10b7 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8</div></td><td class=\"c n xab7 y10b7 w609 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>546<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab8 y10b7 w2bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xab9 y10b7 w60a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>119<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xaba y10b7 w3c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xabb y10b7 w3b6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xabc y10b7 w486 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xabd y10b7 w60b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>850<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa95 y10b8 w603 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaaf y10b8 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8</div></td><td class=\"c n xabe y10b8 w60c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>215<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xabf y10b8 w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xac0 y10b8 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xac1 y10b9 w60e h3f\"><div class=\"t m0 x113 ha ye9d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span><span class=\"_ _dc\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b3\"> </span></div></td><td></td><td></td><td class=\"c n xac2 y10b8 w60f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>284<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa95 y10ba w610 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum brutto utl\u00e5n</div></td><td></td><td class=\"c n xac3 y10ba w611 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.720<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xac4 y10ba w612 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>7<span class=\"_ _141\"></span>.351<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xac5 y10ba w613 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6.634<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xac6 y10ba w614 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.<span class=\"_ _1\"></span>128<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xac7 y10ba w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>651<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xac8 y10ba w615 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>202<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xac9 y10ba w616 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.686<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 xaa6 hb y10bb ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle investeringer<span class=\"_ _12b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7c\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n xa95 yfc9 wac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaca yfc9 w617 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26</div></td><td class=\"c n xacb yfc9 w618 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.240<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xacc y10bc w619 h5b\"><div class=\"t m0 x113 ha ye9d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>599<span class=\"_ gs33c\"> </span><span class=\"_ _dc\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _70\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _d9\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n xacd yfc9 w5a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa95 y10bd w61a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle investeringer</div></td><td></td><td class=\"c n xace y10bd w61b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.240<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xacf y10bd w61c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>599<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xad0 y10bd w61d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xad1 y10bd w61e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xad2 y10bd w61f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xad3 y10bd w61e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xad4 y10bd w620 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.839<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n xa95 ye84 w621 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt utl\u00e5nsrelaterte eiendeler</div></td><td></td><td class=\"c n xad5 ye84 w622 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.960<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xad6 ye84 w623 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>7<span class=\"_ _1\"></span>.950<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xad7 ye84 w624 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6.634<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xad8 ye84 w625 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.<span class=\"_ _0\"></span>128<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xad9 ye84 w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>651<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xada ye84 w615 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>202<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xadb ye84 w626 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30.525<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5d0\"><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7c\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5d1\"><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7c\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5d2\"><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7c\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5d3\"><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _150\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _5\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7c\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"gs5d4\"><table class=\"s w627 h5c\" id=\"_aa55c63e-1f8c-4efb-812e-dedc08702896\"><tr><td class=\"c n xa95 y10be w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank</div></td><td></td><td></td><td></td><td></td><td class=\"c n xadc y10be w5f3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>Risikoklasse<span class=\"_ gs33e\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xa97 hb y10bf ff2 fs7 fc3 sc0 ls0 ws0\">Laveste </td><td></td><td class=\"t m0 xa98 hb y10bf ff2 fs7 fc3 sc0 ls0 ws0\">Middels </td><td></td><td class=\"t m0 xa99 hb y10bf ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8yeste </td><td></td><td class=\"t m0 xa9a hb y10bf ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span></td></tr><tr><td class=\"c n x116 y10c0 w628 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xade y10c0 w629 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">Noter</div><div class=\"t m0 xadd hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span></div></td><td class=\"c n xa9d y10c0 w5f6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xa9e y10c0 w5f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lav risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa9f y10c0 w5f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xaa0 y10c0 w5f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8y risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa1 y10c0 w5f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xaa2 y10c0 w5fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdt<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c xa95 y10ae w5fb h5d\"><div class=\"t m0 x113 ha y10ad ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edit-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">tinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa3 y10ae w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xadf y10ae w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">856<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae0 y10ae w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae1 y10ae w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae2 y10ae w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae3 y10ae w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae4 y10ae w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae5 y10ae w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">856<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 xaa6 ha y10c1 ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordringer p\u00e5 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 xaa6 ha y10c2 ff4 fs7 fc3 sc0 ls0 ws0\">kunder </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n xa95 y10b2 w5fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa7 y10b2 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae6 y10b2 w170 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5.210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae7 y10b2 w139 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.241<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae8 y10b2 w176 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.989<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xae9 y10b2 w1be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">294<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaea y10b2 w62a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaeb y10b2 w1ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">132<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaec y10b2 w62b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.<span class=\"_ _1\"></span>116<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xa95 y10b3 w603 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaaf y10b3 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaed y10b3 w62c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.468<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaee y10b3 w62d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.390<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaef y10b3 w231 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.910<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf0 y10b3 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">697<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf1 y10b3 w100 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">503<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf2 y10b3 w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">146<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf3 y10b3 w10f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.<span class=\"_ _1\"></span>114<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c xa95 y10b5 w608 h5e\"><div class=\"t m0 x113 ha y10b4 ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordring p\u00e5 kun-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha y10ad ff4 fs7 fc3 sc0 ls0 ws0\">der og kredittinstitusjoner kla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>i-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws0\">fisert som finansielle eiendeler til<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 xaa6 ha y10c3 ff4 fs7 fc3 sc0 ls0 ws0\">virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n xa95 y10b7 w5fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaa7 y10b7 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf4 y10b7 w49 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">591<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf5 y10b7 w62e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf6 y10b7 w62f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">161<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf7 y10b7 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf8 y10b7 w14e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaf9 y10b7 w21d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xafa y10b7 w630 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xa95 y10c4 w603 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaaf y10c4 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xabe y10c4 w1ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">205<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xafb y10c4 w1f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">153<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xafc y10c4 w48b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">55<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xafd y10c4 w631 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xafe y10c4 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaff y10c4 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb00 y10c4 w632 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">421<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xa95 y10ba w610 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb01 y10ba w633 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11.329<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb02 y10ba w19b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.015<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb03 y10ba w634 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb04 y10ba w635 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb05 y10ba w636 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">764<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb06 y10ba w637 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">280<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb07 y10ba w638 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.502<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 xaa6 ha y10c5 ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle investeringer<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n xa95 yfc9 wac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xaca yfc9 w617 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb08 yfc9 w338 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.600<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb09 yfc9 w639 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">319<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb0a yfc9 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb0b yfc9 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb0c yfc9 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb0d yfc9 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb0e yfc9 w63a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.919<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xa95 y10bd w61a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle investeringer<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb0f y10bd w63b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.600<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb10 y10bd w161 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">319<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb0a y10bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb11 y10bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb12 y10bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb13 y10bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb14 y10bd w507 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.919<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xa95 ye84 w621 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt utl\u00e5nsrelaterte eiendeler<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb15 ye84 wdb h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.929<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb16 ye84 w237 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.334<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb17 ye84 w63c h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb18 ye84 w635 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb19 ye84 w3cd h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">764<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb1a ye84 w637 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">280<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb1b ye84 w63d h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">29.420<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5d6\"><table class=\"s w656 h5c\" id=\"_5a75fb97-d6e0-42f3-af5a-5f92f1a91309\"><tr><td class=\"c n x116 y10be w63f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern</div></td><td></td><td></td><td></td><td></td><td class=\"c n xb1c y10be w5f3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>Risikoklasse<span class=\"_ gs33e\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xb1d hb y10d2 ff2 fs7 fc3 sc0 ls0 ws0\">Laveste </td><td></td><td class=\"t m0 xb1e hb y10d2 ff2 fs7 fc3 sc0 ls0 ws0\">Middels </td><td></td><td class=\"t m0 x467 hb y10d2 ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8yeste </td><td></td><td></td></tr><tr><td class=\"c n xb1f y10d3 w657 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xb65 y10d3 w7 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">Noter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb21 y10d3 w5f6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xb22 y10d3 w5f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lav risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb23 y10d3 w5f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xb24 y10d3 w5f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8y risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb25 y10d3 w5f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xb26 y10d3 w5fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n xb27 y10d3 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c x116 y10ae w5fb h5d\"><div class=\"t m0 x113 ha y10ad ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edit-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">tinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb28 y10ae w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb29 y10ae w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">856<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x805 y10ae w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">856<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y10d4 ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordringer p\u00e5 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 ha y10d5 ff4 fs7 fc3 sc0 ls0 ws0\">kunder </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10b2 w5fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2b y10b2 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb66 y10b2 w170 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5.210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb67 y10b2 w139 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.241<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb68 y10b2 w176 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.989<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb69 y10b2 w1be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">294<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6a y10b2 w62a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6b y10b2 w1ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">132<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6c y10b2 w62b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.<span class=\"_ _1\"></span>116<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10b3 w603 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb33 y10b3 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb34 y10b3 w62c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.468<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6d y10b3 w62d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.390<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6e y10b3 w231 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.910<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6f y10b3 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">697<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb70 y10b3 w100 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">503<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb71 y10b3 w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">146<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb72 y10b3 w10f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.<span class=\"_ _1\"></span>114<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c x116 y10cd w608 h62\"><div class=\"t m0 x113 ha y10cb ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordring p\u00e5 kun-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha y10cc ff4 fs7 fc3 sc0 ls0 ws0\">der og kredittinstitusjoner kla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>i-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws0\">fisert som finansielle eiendeler til<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 ha y10d6 ff4 fs7 fc3 sc0 ls0 ws0\">virkelig ver<span class=\"_ _0\"></span>di over resultatet </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10b7 w5fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2b y10b7 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb73 y10b7 w49 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">591<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb74 y10b7 w62e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb75 y10b7 w62f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">161<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb76 y10b7 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb77 y10b7 w14e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb78 y10b7 w21d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb79 y10b7 w630 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10b8 w603 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb33 y10b8 wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb7a y10b8 w1ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">205<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb7b y10b8 w1f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">153<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb7c y10b8 w48b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">55<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb7d y10b8 w631 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb7e y10b8 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb7f y10b8 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x546 y10b8 w632 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">421<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10cf w649 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum  brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb80 y10cf w633 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11.329<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb81 y10cf w19b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.015<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb82 y10cf w658 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb83 y10cf w635 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb84 y10cf w636 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">764<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb85 y10cf w637 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">280<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb86 y10cf w659 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.502<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y10d7 ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle investeringer<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yfc9 wac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb4f yfc9 w617 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb87 yfc9 w338 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.600<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb88 yfc9 w639 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">319<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb89 yfc9 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb8a yfc9 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb8b yfc9 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb8c yfc9 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb8d yfc9 w63a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.919<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10d1 w61a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle investeringer<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb8e y10d1 w63b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.600<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb8f y10d1 w161 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">319<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb89 y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb90 y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb91 y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb92 y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb93 y10d1 w507 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.919<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w621 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt utl\u00e5nsrelaterte eiendeler<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb94 ye84 wdb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.929<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb95 ye84 w237 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.334<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb96 ye84 w63c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb97 ye84 w635 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb98 ye84 w3cd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">764<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb99 ye84 w637 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">280<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb9a ye84 w63d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">29.420<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5d7\"><table class=\"s w63e h5f\" id=\"_2425d0bb-bee3-411f-a777-3a83582d5e1b\"><tr><td class=\"c n x116 y10c6 w63f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern</div></td><td></td><td></td><td></td><td></td><td class=\"c n xb1c y10c6 w5f3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>Risikoklasse<span class=\"_ gs33e\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xb1d hb y10c7 ff2 fs7 fc3 sc0 ls0 ws0\">Laveste </td><td></td><td class=\"t m0 xb1e hb y10c7 ff2 fs7 fc3 sc0 ls0 ws0\">Middels </td><td></td><td class=\"t m0 x467 hb y10c7 ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8yeste </td><td></td><td></td></tr><tr><td class=\"c n xb1f y10ac w5f4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xb20 y10ac w7 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">Noter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb21 y10ac w5f6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xb22 y10ac w5f7 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lav risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb23 y10ac w5f8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xb24 y10ac w5f9 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">H\u00f8y risiko<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb25 y10ac w5f8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">risiko</div></td><td class=\"c n xb26 y10ac w5fa h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n xb27 y10ac w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c x116 y10ae w5fb h60\"><div class=\"t m0 x113 ha y10c8 ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edit-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">tinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb28 y10ae w11d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb29 y10ae wa0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">822</div></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n xb2a y10ae w4f0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y10c9 ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordringer p\u00e5 </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 ha y10ca ff4 fs7 fc3 sc0 ls0 ws0\">kunder <span class=\"_ _213\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10b2 w5fd h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2b y10b2 wc6 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2c y10b2 w348 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">6.470<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2d y10b2 w640 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">3.586<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2e y10b2 w641 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.329<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2f y10b2 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">233<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb30 y10b2 w639 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">193<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb31 y10b2 w48b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">55</div></td><td class=\"c n xb32 y10b2 w602 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.866<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10b3 w603 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb33 y10b3 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb34 y10b3 w62d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.666<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb35 y10b3 w642 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.585<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb36 y10b3 w643 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb37 y10b3 w7f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">875<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb38 y10b3 w46a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">433<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb39 y10b3 w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">143</div></td><td class=\"c n xb3a y10b3 w607 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.864<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c x116 y10cd w608 h61\"><div class=\"t m0 x113 ha y10cb ff4 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n til og fordring p\u00e5 kun-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha y10cc ff4 fs7 fc3 sc0 ls0 ws0\">der og kredittinstitusjoner kla<span class=\"_ _0\"></span>ss<span class=\"_ _0\"></span>i-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws0\">fisert som finansielle eiendeler til<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 ha y10ce ff4 fs7 fc3 sc0 ls0 ws0\">virkelig ver<span class=\"_ _0\"></span>di over resultatet <span class=\"_ _214\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10b7 w5fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Privatmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb2b y10b7 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb3b y10b7 w644 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">546<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb3c y10b7 w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb3d y10b7 w62f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">119<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb3e y10b7 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb3f y10b7 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb40 y10b7 w647 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4</div></td><td class=\"c n xb41 y10b7 w26b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>850<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10b8 w603 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bedriftsmarked<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb33 y10b8 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb42 y10b8 w648 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">215<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb43 y10b8 w617 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb44 y10b8 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb45 y10b8 w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb46 y10b8 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb47 y10b8 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n x57b y10b8 w60f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>284<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10cf w649 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum  brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb48 y10cf w229 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11.720<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb49 y10cf w64a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>.351<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb4a y10cf w64b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.634<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb4b y10cf w64c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>128<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb4c y10cf w64d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">651<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb4d y10cf w64e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">202</div></td><td class=\"c n xb4e y10cf w616 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.686<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y10d0 ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle investeringer<span class=\"_ _215\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 yfc9 wac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb4f yfc9 w617 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb50 yfc9 w64f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb51 yfc9 w1ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">599<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb52 yfc9 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb53 yfc9 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb54 yfc9 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb55 yfc9 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xb56 yfc9 w5a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10d1 w61a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle investeringer<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb57 y10d1 w650 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb58 y10d1 w651 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">599<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb59 y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb5a y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb5b y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb5c y10d1 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xb5d y10d1 w620 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.839<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w621 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt utl\u00e5nsrelaterte eiendeler<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xb5e ye84 w652 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">13.960<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb5f ye84 w653 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.950<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb60 ye84 w654 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">6.634<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb61 ye84 w655 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.128<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb62 ye84 w64d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">651<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb63 ye84 w64e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">202</div></td><td class=\"c n xb64 ye84 w626 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30.525<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5d8\"><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5d9\"><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5da\"><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5db\"><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5dc\">Bankens risikoklassifiseringss<span class=\"_ _0\"></span>ystem klassifiserer hvert engasjement i risikogruppene la<span class=\"_ _0\"></span>veste, lav<span class=\"_ _1\"></span>, middels, h\u00f8y<span class=\"_ _0\"></span>, h\u00f8yeste og misligholdt/ned-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5dd\">skrevet basert p\u00e5 kundens misligholdssannsynlighet (PD) og sikk<span class=\"_ _0\"></span>erhetsdekning (sikkerhetsklasse). Se for \u00f8vrig note 6 f<span class=\"_ _0\"></span>or ytterligere informa-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5de\">sjon om bankens risikostyring og risik<span class=\"_ _0\"></span>oklassifisering.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-632": {
   "value": "Note 7 \u2013 Kredittinstitusjoner - f<span class=\"_ _0\"></span>ordringer og gjeld<span class=\"_ _2cc\"> </span><div class=\"t m0 h6 ff2 fs4 fc3 sc0 ls0 ws0 gs4d7\">Utl\u00e5n til og for<span class=\"_ _0\"></span>dringer p\u00e5 kredittinstitusjoner<span class=\"_ _2cc\"> </span></div><table class=\"s w2f3 h38\" id=\"_ec65b13f-5d32-44a6-b773-d9c4bc5a528a\"><tr><td class=\"c n x116 yfc7 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x5cb yfc7 w2f4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x5cc yfc8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5cd yfc8 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ce yfc8 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5cf yfc8 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d0 yfc8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d1 yfc9 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">619<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d2 yfc9 w69 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">719<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d3 yfc9 w2f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og fordringer uten a<span class=\"_ _0\"></span>vtalt l\u00f8petid eller oppsigelsestid<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d4 yfc9 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">719<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d5 yfc9 w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">619<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d6 yfca w1f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">236<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d7 yfca w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d8 yfca w2f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og fordringer med avtalt l\u00f8petid eller oppsigelsestid<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d9 yfca w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5da yfca w1f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">236<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d6 yfcb w2f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">855<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5db yfcb w2f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5dc yfcb w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5dd yfcb w42 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5de yfcb w2fb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">855<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5cc ye84 w2fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,6<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5df ye84 w2fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e0 ye84 w2fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjennomsnittlig rente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e1 ye84 w2ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e2 ye84 w300 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,6<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4d2\">Innskudd og utl\u00e5n til kredittinstitusjoner er i NOK og har i hovedsak flytende r<span class=\"_ _0\"></span>ente. </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4d3\">Gjennomsnittlig rente er beregnet p\u00e5 grunnlag a<span class=\"_ _0\"></span>v faktisk renteinntekt/-kostnad i \u00e5ret i pr<span class=\"_ _0\"></span>osent av gjennomsnittlig for<span class=\"_ _0\"></span>dring og gjeld til kre-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4d4\">dittinstitusjoner<span class=\"_ _2cc\"> </span><span class=\"_ _1\"></span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-688": {
   "value": "Note 7 \u2013 Kredittinstitusjoner - f<span class=\"_ _0\"></span>ordringer og gjeld<span class=\"_ _2cc\"> </span><table class=\"s w2f3 h38\" id=\"_ec65b13f-5d32-44a6-b773-d9c4bc5a528a\"><tr><td class=\"c n x116 yfc7 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x5cb yfc7 w2f4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x5cc yfc8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5cd yfc8 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ce yfc8 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5cf yfc8 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d0 yfc8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d1 yfc9 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">619<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d2 yfc9 w69 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">719<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d3 yfc9 w2f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og fordringer uten a<span class=\"_ _0\"></span>vtalt l\u00f8petid eller oppsigelsestid<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d4 yfc9 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">719<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d5 yfc9 w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">619<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d6 yfca w1f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">236<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d7 yfca w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d8 yfca w2f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og fordringer med avtalt l\u00f8petid eller oppsigelsestid<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5d9 yfca w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5da yfca w1f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">236<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5d6 yfcb w2f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">855<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5db yfcb w2f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5dc yfcb w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5dd yfcb w42 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5de yfcb w2fb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">855<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5cc ye84 w2fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,6<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5df ye84 w2fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e0 ye84 w2fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjennomsnittlig rente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e1 ye84 w2ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e2 ye84 w300 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,6<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table>Innskudd og utl\u00e5n til kredittinstitusjoner er i NOK og har i hovedsak flytende r<span class=\"_ _0\"></span>ente. Gjennomsnittlig rente er beregnet p\u00e5 grunnlag a<span class=\"_ _0\"></span>v faktisk renteinntekt/-kostnad i \u00e5ret i pr<span class=\"_ _0\"></span>osent av gjennomsnittlig for<span class=\"_ _0\"></span>dring og gjeld til kre-<span class=\"_ _2cc\"> </span>dittinstitusjoner<span class=\"_ _2cc\"> </span><span class=\"_ _1\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-633": {
   "value": "Note 8 \u2013 Utl\u00e5n til og for<span class=\"_ _0\"></span>dringer p\u00e5 kunder<span class=\"_ _2cc\"> </span>I bankens interne risikoklassifiseringss<span class=\"_ _0\"></span>ystem klassifiseres alle engasjementer med individuelle nedskrivninger p\u00e5 utl\u00e5n og garantier som misligholdt uavhengig av ek<span class=\"_ _0\"></span>stern definisjon p\u00e5 mislighold (jf. note 2). De f<span class=\"_ _0\"></span>ordeles ikke p\u00e5 ulik<span class=\"_ _0\"></span>e risikogrupper slik som \u00f8vrige engasjement. Fordeling p\u00e5 risik<span class=\"_ _0\"></span>ogrupper er basert p\u00e5 at banken beregner misligholdssannsynlighet for alle kunder i utl\u00e5nsportef\u00f8ljen basert p\u00e5 objektive historiske data. Misligholdssannsynligheten benyttes deretter sammen med sikk<span class=\"_ _0\"></span>erhetsverdier til \u00e5 klassifiser<span class=\"_ _0\"></span>e kundene i ulike risikogrupper<span class=\"_ _1\"></span>. Kundene rescores m\u00e5nedlig i bank<span class=\"_ _0\"></span>ens portef\u00f8ljesystem basert p\u00e5 objektive kriterier<table class=\"s w301 h39\" id=\"_d8c25326-8e9c-4e35-88aa-3c11c2500657\"><tr><td class=\"t m0 x5e4 hb yfcc ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x5e5 hb yfcc ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5e6 yfcd w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e7 yfcd w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 x5e8 ha yfce ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n x5e9 yfcd w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ea yfcd w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfcf ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n fordelt p\u00e5 f<span class=\"_ _0\"></span>ordringstype<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5eb yfd0 w302 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.<span class=\"_ _1\"></span>103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ec yfd0 w303 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ed yfd0 w304 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kasse-/drifts- og brukskreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ee yfd0 w303 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ef yfd0 w305 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>103<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfd1 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">401<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f1 yfd1 w306 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">412<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f2 yfd1 w307 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Byggel\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f3 yfd1 wc4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">412<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f4 yfd1 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">401<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yfd2 w308 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.021<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f6 yfd2 w309 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.820<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f7 yfd2 w30a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedbetalingsl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f8 yfd2 w30b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.820<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f9 yfd2 w2e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.021<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfd3 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa yfd3 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb yfd3 w30c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fc yfd3 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fd yfd3 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfd4 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe yfd4 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff yfd4 w30f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x600 yfd4 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x601 yfd4 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfd5 ff2 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger fordelt p\u00e5 f<span class=\"_ _0\"></span>ordringstype<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x602 yfd6 w22c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x603 yfd6 w1b8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x604 yfd6 w311 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n til amortisert kost<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x605 yfd6 w312 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x606 yfd6 w313 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfd7 w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x607 yfd7 wb9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x608 yfd7 w314 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 p\u00e5 utl\u00e5n til virkelig verdi o<span class=\"_ _0\"></span>ver utvidet resultat<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x609 yfd7 w1ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60a yfd7 w1bf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yfd8 w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60c yfd8 w315 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60d yfd8 w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Verdiendring uto<span class=\"_ _0\"></span>ver tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60e yfd8 w316 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60f yfd8 w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x610 yfd9 w317 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x42c yfd9 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x611 yfd9 w319 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x612 yfd9 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x613 yfd9 w31a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfda ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n fordelt p\u00e5 segmenter<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x610 yfdb w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x614 yfdb w31b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x615 yfdb w31c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x616 yfdb w31d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x617 yfdb w31e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yfdc w31f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.529<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x618 yfdc w320 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.028<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x619 yfdc w321 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e6ringsfordelt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61a yfdc w322 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.028<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61b yfdc w31f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.529<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x61c yfdd w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61d yfdd we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61e yfdd w323 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61f yfdd we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x620 yfdd w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfde w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa yfde w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb yfde w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fc yfde w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fd yfde w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfdf w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe yfdf w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff yfdf w30f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x600 yfdf w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x601 yfdf w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe0 ff2 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger fordelt p\u00e5 segmenter<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5f0 yfe1 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x607 yfe1 wb9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x608 yfe1 w324 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger l\u00f8nnstakere<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x621 yfe1 w1ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x622 yfe1 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yfe2 w22c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x603 yfe2 w1b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x604 yfe2 w325 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x605 yfe2 w312 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x606 yfe2 w313 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yfe3 w22f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60c yfe3 w315 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60d yfe3 w208 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Verdiendring uto<span class=\"_ _0\"></span>ver tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60e yfe3 w316 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60f yfe3 w22f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x610 yfe4 w317 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x42c yfe4 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x611 yfe4 w319 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x612 yfe4 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x613 yfe4 w31a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe5 ff2 fs7 fc3 sc0 ls0 ws0\">Av nedbetalingsl\u00e5n utgj\u00f8r l\u00e5n utpekt til virk<span class=\"_ _0\"></span>elig<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe6 ff2 fs7 fc3 sc0 ls0 ws0\">verdi ov<span class=\"_ _0\"></span>er resultatet (FVO):<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5eb yfe7 w326 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.452<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x623 yfe7 w327 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x624 yfe7 w328 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n til kunder<span class=\"_ _0\"></span>, bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x625 yfe7 w329 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _1\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x626 yfe7 w303 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.452<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb ye84 w32a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.497<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x627 ye84 w32b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x628 ye84 w32c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n til kunder<span class=\"_ _0\"></span>, p\u00e5lydende ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x629 ye84 w32d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62a ye84 w32a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.497<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4e1\">Nedbetalingsl\u00e5n til ansatte gis med inntil 30 \u00e5rs nedbetalingstid og m\u00e5nedlige terminer<span class=\"_ _1\"></span>. Rentesats for nedbetalingsl\u00e5n og flexil\u00e5n til ansatte </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4e2\">tilsvarer 60 % av r<span class=\"_ _0\"></span>entesats for nedbetalingsl\u00e5n over 2 MNOK i privatkundemark<span class=\"_ _0\"></span>edet dersom bel\u00e5ningen ligger innenfor henholdsvis 85 % </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4e3\">av for<span class=\"_ _0\"></span>svarlig verdi for nedbetalingsl\u00e5n og innenf<span class=\"_ _0\"></span>or 60 % av f<span class=\"_ _0\"></span>orsvarlig verdi f<span class=\"_ _0\"></span>or flexil\u00e5n. T<span class=\"_ _1\"></span>otalt l\u00e5nebel\u00f8p innenfor disse betingelsene kan ikke </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs4e4\">overstige 3,5 millioner kr<span class=\"_ _0\"></span>oner for den enkelte ansatte. <span class=\"_ _d3\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> </div><div class=\"gs2bf\"><table class=\"s w32e h3a\" id=\"_8d798f47-c291-4700-bf8f-d209419841ba\"><tr><td class=\"t m0 x62b hb yfe8 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x62c hb yfe9 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt engasjement fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x62d hb yfe8 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5eb yfea w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62e yfea w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x62f yfea w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x630 yfea w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x631 yfeb w32f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">14.<span class=\"_ _1\"></span>105<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x632 yfeb w320 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">15.076<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x633 yfeb w330 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstakere o.l<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x634 yfeb w322 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">15.076<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x635 yfeb w32f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">14.<span class=\"_ _1\"></span>105<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x636 yfec w11e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x637 yfec w85 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">74<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x638 yfec w331 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig forvaltning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x639 yfec w79 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">74<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63a yfec w11f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb yfed w32d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.663<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63b yfed w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.627<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63c yfed w333 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Prim\u00e6rn\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63d yfed w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.627<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x626 yfed w32d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1.663<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfee w334 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">522<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63e yfee w1f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">362<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x63f yfee w335 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Industri<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x640 yfee w1f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">362<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x641 yfee w336 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">522<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb yfef w337 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.233<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x642 yfef w338 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.060<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x643 yfef w339 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Bygg og anleggsvirksomhet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x644 yfef w33a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.060<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x645 yfef w33b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2.233<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yff0 w33c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">660<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x646 yff0 we7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x647 yff0 w33d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Varehandel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x648 yff0 we7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x649 yff0 w33e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">660<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x64a yff1 w53 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">129<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64b yff1 wc1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">160<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64c yff1 w33f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ranspor<span class=\"_ _3\"></span>t og lagring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64d yff1 wc1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">160<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64e yff1 w340 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">129<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yff2 we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">204<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x64f yff2 wfc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">180<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x650 yff2 w341 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hotell- og restaurantdrift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x651 yff2 wfe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">180<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x652 yff2 we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">204<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 yff3 w342 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.090<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x653 yff3 w343 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.481<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x654 yff3 w344 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forretningsmessig tjenesteyting<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x655 yff3 w345 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.476<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x656 yff3 w346 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.085<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yff4 w347 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.553<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x657 yff4 w348 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.868<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x658 yff4 w349 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Omsetning/drift eiendommer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x659 yff4 w34a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.858<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65a yff4 w34b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.498<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yff5 w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">427<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65b yff5 w34c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">175<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65c yff5 w34d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diverse n\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65d yff5 w34c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">175<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65e yff5 w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">427<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w34e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">28.607<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x65f ye84 w34f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">29.889<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x660 ye84 w350 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum totalt engasjement fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x661 ye84 w351 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">29.874<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x662 ye84 w352 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">28.547<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs4e6\"><table class=\"s w353 h3b\" id=\"_1e6bff21-9c2f-4d16-ad2c-16adb61cee0c\"><tr><td class=\"t m0 x62b hb yff6 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x663 hb yff7 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x62d hb yff6 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5eb yff8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62e yff8 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x62f yff8 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x630 yff8 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yff9 w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x664 yff9 w31b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x665 yff9 w354 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e o.l<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x666 yff9 w31d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x667 yff9 w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x668 yffa w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x669 yffa we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66a yffa w355 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig forvaltning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66b yffa we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66c yffa w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb yffb w356 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.390<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66d yffb w357 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>475<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66e yffb w358 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Prim\u00e6rn\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x66f yffb w359 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.475<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x670 yffb w35a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.390<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yffc w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">335<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x671 yffc w35b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">325<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x672 yffc w335 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Industri<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x673 yffc w35b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">325<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x674 yffc w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">335<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yffd w135 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.747<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x675 yffd w35c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.812<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x676 yffd w339 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bygg og anleggsvirksomhet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x677 yffd w35d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.812<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x678 yffd w35e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.747<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yffe w35f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">507<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x679 yffe w360 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">509<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67a yffe w33d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Varehandel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x640 yffe w361 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">509<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67b yffe w35f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">507<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfff w9c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">101<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67c yfff w22e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">145<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67d yfff w362 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Transport og lagring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67e yfff w22e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">145<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x67f yfff w1cd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">101<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e y1000 w363 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x680 y1000 w364 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x681 y1000 w341 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hotell- og restaurantdrift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x682 y1000 w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x683 y1000 w6d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 y1001 w366 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">987<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x684 y1001 w367 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.250<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x685 y1001 w368 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forretningsmessig tjenesteyting<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x686 y1001 w369 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.250<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x687 y1001 w36a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">987<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb y1002 w170 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.915<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x688 y1002 w36b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.<span class=\"_ _1\"></span>190<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x689 y1002 w349 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Omsetning/drift eiendommer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68a y1002 w36b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.<span class=\"_ _1\"></span>190<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68b y1002 w170 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6.915<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 y1003 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">373<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68c y1003 w157 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">158<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68d y1003 w34d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diverse n\u00e6ringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68e y1003 w158 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">158<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x68f y1003 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">373<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e y1004 w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa y1004 w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb y1004 w36d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _0\"></span>, ikke sektorfordelt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x690 y1004 w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x691 y1004 w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe ye84 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff ye84 w36e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum brutto utl\u00e5n fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x692 ye84 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x693 ye84 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs4e7\"><table class=\"s w36f h3c\" id=\"_9726be5c-e115-4947-a641-d90f632fb702\"><tr><td class=\"t m0 x62b hb y1005 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x694 hb y1006 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n fordelt p\u00e5 geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x62d hb y1005 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5eb y1007 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62e y1007 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x62f y1007 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x630 y1007 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 y1008 w370 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.979<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x695 y1008 w371 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.005<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x696 y1008 w372 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innlandet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x697 y1008 w373 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.005<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x698 y1008 w374 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.979<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 yf26 w375 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.620<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x699 yf26 w376 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69a yf26 w377 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akershus<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69b yf26 w376 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.000<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69c yf26 w378 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.620<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 y1009 w379 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.834<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69d y1009 w37a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.352<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69e y1009 w37b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Buskerud<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x69f y1009 w37a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.352<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a0 y1009 w379 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10.834<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 y100a w37c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.095<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a1 y100a w37d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.582<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a2 y100a w37e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Oslo<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a3 y100a w37f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.582<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a4 y100a w380 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.095<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5e6 y100b w2fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.080<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a5 y100b w381 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">888<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a6 y100b w382 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Landet for \u00f8vrig<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a7 y100b w383 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">888<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6a8 y100b w384 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.080<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6a9 yf29 w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6aa yf29 wbb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ab yf29 w385 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utlandet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ac yf29 wbb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ad yf29 w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe ye84 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff ye84 w386 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum brutto utl\u00e5n fordelt p\u00e5 geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ae ye84 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6af ye84 w387 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs4e8\"><table class=\"s w388 h3d\" id=\"_3e312e2a-882d-4004-95b9-2ad86e35258e\"><tr><td class=\"t m0 x6b1 hb y100c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x6b2 hb y100c ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y100d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b3 y100d w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x6b4 hb y100e ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til ansatte<span class=\"_ _2cc\"> </span></td><td class=\"c n x6b5 y100d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b6 y100d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6b7 y100f w21a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">435<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b8 y100f w100 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">530<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6b9 y100f w389 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ba y100f we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">664<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bb y100f w38a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">567<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6b7 ye97 wa0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">228<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bc ye97 w38b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">253<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bd ye97 w38c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Herav l\u00e5n i SpareBank 1 Boligkreditt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6be ye97 w35b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">253<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6bf ye97 we6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">228<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x6c0 ye84 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c1 ye84 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c2 ye84 w38d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentesubsidiering ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c3 ye84 wc9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c4 ye84 w14e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr></table></div>KREDITTRISIK<span class=\"_ _0\"></span>O - K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span>T<span class=\"_ _141\"></span>abellen viser kredittrisiko fremstilt i bruttov<span class=\"_ _0\"></span>erdier p\u00e5 finansielle eiendeler vurdert til amortisert kost, virkelig v<span class=\"_ _0\"></span>erdi over OCI ,<span class=\"_ _0\"></span>finansielle garantikontrakter og l\u00e5netilsagn. Bank<span class=\"_ _0\"></span>ens risikoklassifiseringssystem klassifiser<span class=\"_ _0\"></span>er hvert enga-<span class=\"_ _2cc\"> </span>sjement i risikogruppene la<span class=\"_ _0\"></span>vest, lav<span class=\"_ _1\"></span>, middels, h\u00f8y<span class=\"_ _0\"></span>, h\u00f8yeste og misligholdt/nedskre<span class=\"_ _0\"></span>vet basert p\u00e5 kundens mislig-<span class=\"_ _2cc\"> </span>holdssannsynlighet (PD) og sikkerhetsdekning (sikk<span class=\"_ _0\"></span>erhetsklasse). Se for \u00f8vrig note 6 f<span class=\"_ _0\"></span>or ytterligere informasjon om bankens risik<span class=\"_ _0\"></span>ostyring og risikoklassifisering<div class=\"gs4eb\"><table class=\"s w38e h3e\" id=\"_2ead6d06-9982-41c6-a798-1ba94f512c6f\"><tr><td></td><td></td><td class=\"c n x6c6 y1010 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x6c7 y1010 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td></td></tr><tr><td class=\"c n x116 y1011 w38f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og forskudd til kunder totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c8 y1011 w390 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6c9 y1011 w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ca y1011 w392 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cb y1011 w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cc y1011 w393 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cd y1011 w394 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6ce y1011 w395 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x6cf y1011 w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1012 w396 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Lavest</div></td><td class=\"c n x6d0 y1012 w397 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.417<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d1 y1012 w268 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d2 y1012 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6d3 y1012 w399 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.473<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d4 y1012 w39a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.831<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d5 y1012 w39b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>66<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d6 y1012 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6d7 y1012 w39c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.897<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1013 w1e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsb ws12\">Lav</div></td><td class=\"c n x6d8 y1013 w39d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.890<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6d9 y1013 w39e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>126<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6da y1013 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6db y1013 w39f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.015<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6dc y1013 w3a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.217<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6dd y1013 w3a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>134<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6de y1013 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6df y1013 w3a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _0\"></span>.351<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1014 w3a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Middels</div></td><td class=\"c n x6e0 y1014 w3a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.624<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e1 y1014 w3a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.491<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e2 y1014 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6e3 y1014 w3a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.<span class=\"_ _1\"></span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e4 y1014 w3a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.469<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e5 y1014 w3a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>165<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e6 y1014 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6e7 y1014 w3a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.634<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1015 w3aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8y</div></td><td class=\"c n x6e8 y1015 w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>598<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e9 y1015 w3ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ea y1015 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6eb y1015 w3ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ec y1015 w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>249<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ed y1015 w3af h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>879<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ee y1015 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6ef y1015 w3b0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>128<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf26 w3b1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yest</div></td><td class=\"c n x6f0 yf26 w3b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>270<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f1 yf26 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>467<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f2 yf26 wfe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>27<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f3 yf26 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>764<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f4 yf26 w3b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>162<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f5 yf26 w3b5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>464<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f6 yf26 w3b6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6f7 yf26 w3b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>651<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1009 w3b8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n x6f8 y1009 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6f9 y1009 w3b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6fa y1009 w3ba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>258<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6fb y1009 w3bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6fc y1009 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6fd y1009 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6fe y1009 w3bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6ff y1009 w2ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x700 hb y1016 ff2 fs7 fc3 sc0 ls0 ws0\">Bruttoverdi </td><td class=\"t m9 x701 hb y1017 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></td><td class=\"c n x702 y1018 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x703 y1018 w3be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x704 y1018 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x705 y1018 w3c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.929<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x706 y1018 w3c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.708<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x707 y1018 w3c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x708 y1018 w3c3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.864<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1019 w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdiendring utover tapsnedskrivning</div></td><td class=\"c n x709 y1019 w3c4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x70a y1019 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x70b y1019 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x70c y1019 w3c5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x70d y101a w3c6 h3f\"><div class=\"t m0 x113 ha ye9d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _f6\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _45\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span></div></td><td></td><td></td><td class=\"c n x70e y1019 w3c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y101b w3c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum avsetning</div></td><td class=\"c n x70f y101b w3c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(42)</div></td><td class=\"c n x710 y101b w3ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(56)</div></td><td class=\"c n x711 y101b w3cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(47)</div></td><td class=\"c n x712 y101b w3cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(145)</div></td><td class=\"c n x713 y101b w3cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(31)</div></td><td class=\"c n x714 y101b w3ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(60)</div></td><td class=\"c n x715 y101b w3b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(48)</div></td><td class=\"c n x716 y101b w16a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(139)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w3cf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Nettoverdi</div></td><td class=\"c n x717 ye84 w3d0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.759<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x718 ye84 w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.506<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x719 ye84 w139 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>239<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71a ye84 w3d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.503<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71b ye84 w3d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.900<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71c ye84 w3d3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.648<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71d ye84 w3d4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>179<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x71e ye84 w3d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.726<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs4ec\"><table class=\"s w3d6 h40\" id=\"_5e37743c-e4af-4f7f-a023-06947477cd47\"><tr><td></td><td></td><td class=\"c n x6c6 y101c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x6c7 y101c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x700 hb y101d ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og forskudd til kunder til virk<span class=\"_ _0\"></span>elig </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye92 w3d7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">verdi ov<span class=\"_ _0\"></span>er utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x71f ye92 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x720 ye92 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x721 ye92 w392 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x722 ye92 w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x723 ye92 w3d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x724 ye92 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x725 ye92 w3da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x726 ye92 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1015 w396 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Lavest</div></td><td class=\"c n x727 y1015 w3dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.052<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x728 y1015 w3b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x729 y1015 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x72a y1015 w3dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.074<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x72b y1015 w3dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x72c y1015 w3de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x72d y1015 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x72e y1015 w3df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _141\"></span>.016<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf26 w1e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsb ws12\">Lav</div></td><td class=\"c n x72f yf26 w3e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.425<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x730 yf26 w3e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x731 yf26 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x732 yf26 w3e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.471<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x733 yf26 w3e3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.720<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x734 yf26 w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x735 yf26 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x736 yf26 w1c3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.740<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1009 w3a3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Middels</div></td><td class=\"c n x737 y1009 w3e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.713<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x738 y1009 w3e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>437<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x739 y1009 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x73a y1009 w3e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>149<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x73b y1009 w3e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>189<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x73c y1009 w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>259<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x73d y1009 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x73e y1009 w3e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.448<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100a w3aa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8y</div></td><td class=\"c n x73f y100a w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x740 y100a w3ea h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>212<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x6e2 y100a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x741 y100a w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>295<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x742 y100a w3eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>100<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x743 y100a w3ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>135<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x744 y100a w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x745 y100a w3ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>235<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100b w3b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yest</div></td><td class=\"c n x746 y100b w3e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>69<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x747 y100b w3ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>188<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x748 y100b w3c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x749 y100b w3ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>260<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74a y100b w3f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74b y100b w3f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>192<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74c y100b w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x74d y100b w3f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>218<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf29 w3b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n x6f8 yf29 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x74e yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x74f yf29 w3f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>134<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x750 yf29 w3a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>134<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x751 yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x752 yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x753 yf29 w3f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x754 yf29 w3f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w3f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bruttoverdi</div></td><td class=\"c n x755 ye84 w3f8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x756 ye84 w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x757 ye84 w3f9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x758 ye84 w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x759 ye84 w3fb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x75a ye84 w3fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>626<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x75b ye84 w1ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>61<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x75c ye84 w3fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.715<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs4ed\"><table class=\"s w3fe h40\" id=\"_5cff0555-e8c4-4986-b12e-cee443f27a72\"><tr><td></td><td></td><td></td><td class=\"c n x6c6 y101c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x6c7 y101c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x700 hb y101e ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n og forskudd til kunder til amorti-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye92 w3ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">sert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x75d ye92 w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x75e ye92 w401 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x75f ye92 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x760 ye92 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x761 ye92 w3d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x762 ye92 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x763 ye92 w3da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x764 ye92 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1015 w396 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Lavest</div></td><td class=\"c n x765 y1015 w404 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.365<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x766 y1015 w405 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>34<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x767 y1015 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x768 y1015 w406 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.399<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x769 y1015 w407 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.836<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76a y1015 w408 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>45<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76b y1015 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x76c y1015 w409 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.882<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf26 w1e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsb ws12\">Lav</div></td><td class=\"c n x76d yf26 w40a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>464<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76e yf26 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x76f yf26 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x770 yf26 w40b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.544<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x771 yf26 w40c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.497<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x772 yf26 w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x773 yf26 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x774 yf26 w237 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.611<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1009 w3a3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Middels</div></td><td class=\"c n x775 y1009 w40e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.911<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x776 y1009 w40f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.054<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x731 y1009 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x777 y1009 w3a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.965<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x778 y1009 w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x779 y1009 w411 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>906<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x77a y1009 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x77b y1009 w412 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>187<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100a w3aa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8y</div></td><td class=\"c n x77c y100a w413 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>515<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x77d y100a w414 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>190<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x77e y100a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x77f y100a w415 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>705<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x780 y100a w12d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>149<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x781 y100a w416 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>744<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x782 y100a w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x783 y100a w415 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>893<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y100b w3b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8yest</div></td><td class=\"c n x784 y100b w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>201<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x785 y100b w418 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>278<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x786 y100b w419 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x787 y100b w2c1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>503<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x788 y100b w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x789 y100b w41b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>273<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78a y100b w41c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78b y100b w41d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 yf29 w3b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Misligholdt</div></td><td class=\"c n x6f8 yf29 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x6f9 yf29 w3b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78c yf29 w41e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>124<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78d yf29 w41f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>146<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x78e yf29 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x78f yf29 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x790 yf29 w3a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>143<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x791 yf29 w3a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>143<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w3f7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bruttoverdi</div></td><td class=\"c n x755 ye84 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x792 ye84 w421 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.657<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x793 ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x794 ye84 w423 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x795 ye84 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.901<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x796 ye84 w425 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.082<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x797 ye84 w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>165<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x798 ye84 w427 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.<span class=\"_ _0\"></span>149<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs4ee\">72<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-726": {
   "value": "Note 8 \u2013 Utl\u00e5n til og for<span class=\"_ _0\"></span>dringer p\u00e5 kunder<span class=\"_ _2cc\"> </span><table class=\"s w301 h39\" id=\"_d8c25326-8e9c-4e35-88aa-3c11c2500657\"><tr><td class=\"t m0 x5e4 hb yfcc ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x5e5 hb yfcc ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x5e6 yfcd w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5e7 yfcd w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 x5e8 ha yfce ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n x5e9 yfcd w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ea yfcd w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfcf ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n fordelt p\u00e5 f<span class=\"_ _0\"></span>ordringstype<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5eb yfd0 w302 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.<span class=\"_ _1\"></span>103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ec yfd0 w303 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ed yfd0 w304 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kasse-/drifts- og brukskreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ee yfd0 w303 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ef yfd0 w305 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.<span class=\"_ _0\"></span>103<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfd1 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">401<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f1 yfd1 w306 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">412<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f2 yfd1 w307 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Byggel\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f3 yfd1 wc4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">412<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f4 yfd1 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">401<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yfd2 w308 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.021<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f6 yfd2 w309 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.820<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f7 yfd2 w30a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedbetalingsl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f8 yfd2 w30b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.820<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5f9 yfd2 w2e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23.021<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfd3 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa yfd3 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb yfd3 w30c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fc yfd3 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fd yfd3 w1e9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfd4 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe yfd4 w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff yfd4 w30f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x600 yfd4 w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x601 yfd4 w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfd5 ff2 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger fordelt p\u00e5 f<span class=\"_ _0\"></span>ordringstype<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x602 yfd6 w22c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x603 yfd6 w1b8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x604 yfd6 w311 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n til amortisert kost<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x605 yfd6 w312 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x606 yfd6 w313 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f0 yfd7 w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x607 yfd7 wb9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x608 yfd7 w314 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 p\u00e5 utl\u00e5n til virkelig verdi o<span class=\"_ _0\"></span>ver utvidet resultat<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x609 yfd7 w1ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60a yfd7 w1bf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yfd8 w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60c yfd8 w315 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60d yfd8 w208 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Verdiendring uto<span class=\"_ _0\"></span>ver tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60e yfd8 w316 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60f yfd8 w22f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x610 yfd9 w317 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x42c yfd9 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x611 yfd9 w319 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x612 yfd9 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x613 yfd9 w31a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfda ff2 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n fordelt p\u00e5 segmenter<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x610 yfdb w23c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x614 yfdb w31b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x615 yfdb w31c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x616 yfdb w31d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.671<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x617 yfdb w31e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.995<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5f5 yfdc w31f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.529<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x618 yfdc w320 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.028<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x619 yfdc w321 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e6ringsfordelt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61a yfdc w322 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13.028<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61b yfdc w31f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.529<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x61c yfdd w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61d yfdd we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61e yfdd w323 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x61f yfdd we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">46<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x620 yfdd w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x13e yfde w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fa yfde w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fb yfde w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fc yfde w1e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">118<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fd yfde w1e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfdf w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5fe yfdf w30e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x5ff yfdf w30f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x600 yfdf w310 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.864<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x601 yfdf w30d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.646<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe0 ff2 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger fordelt p\u00e5 segmenter<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5f0 yfe1 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x607 yfe1 wb9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x608 yfe1 w324 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger l\u00f8nnstakere<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x621 yfe1 w1ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221218<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x622 yfe1 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x602 yfe2 w22c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x603 yfe2 w1b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x604 yfe2 w325 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nedskrivninger n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x605 yfe2 w312 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x606 yfe2 w313 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212120<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x60b yfe3 w22f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60c yfe3 w315 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60d yfe3 w208 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Verdiendring uto<span class=\"_ _0\"></span>ver tapsnedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60e yfe3 w316 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x60f yfe3 w22f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221249<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x610 yfe4 w317 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x42c yfe4 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x611 yfe4 w319 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x612 yfe4 w318 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x613 yfe4 w31a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25.451<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe5 ff2 fs7 fc3 sc0 ls0 ws0\">Av nedbetalingsl\u00e5n utgj\u00f8r l\u00e5n utpekt til virk<span class=\"_ _0\"></span>elig<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x5e8 hb yfe6 ff2 fs7 fc3 sc0 ls0 ws0\">verdi ov<span class=\"_ _0\"></span>er resultatet (FVO):<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x5eb yfe7 w326 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.452<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x623 yfe7 w327 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x624 yfe7 w328 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n til kunder<span class=\"_ _0\"></span>, bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x625 yfe7 w329 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _1\"></span>198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x626 yfe7 w303 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.452<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x5eb ye84 w32a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.497<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x627 ye84 w32b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x628 ye84 w32c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n til kunder<span class=\"_ _0\"></span>, p\u00e5lydende ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x629 ye84 w32d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x62a ye84 w32a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.497<span class=\"_ _2cc\"> </span></div></td></tr></table>I bankens interne risikoklassifiseringss<span class=\"_ _0\"></span>ystem klassifiseres alle engasjementer med individuelle nedskrivninger p\u00e5 utl\u00e5n og garantier som misligholdt uavhengig av ek<span class=\"_ _0\"></span>stern definisjon p\u00e5 mislighold (jf. note 2). De f<span class=\"_ _0\"></span>ordeles ikke p\u00e5 ulik<span class=\"_ _0\"></span>e risikogrupper slik som \u00f8vrige engasjement. Fordeling p\u00e5 risik<span class=\"_ _0\"></span>ogrupper er basert p\u00e5 at banken beregner misligholdssannsynlighet for alle kunder i utl\u00e5nsportef\u00f8ljen basert p\u00e5 objektive historiske data. Misligholdssannsynligheten benyttes deretter sammen med sikk<span class=\"_ _0\"></span>erhetsverdier til \u00e5 klassifiser<span class=\"_ _0\"></span>e kundene i ulike risikogrupper<span class=\"_ _1\"></span>. Kundene rescores m\u00e5nedlig i bank<span class=\"_ _0\"></span>ens portef\u00f8ljesystem basert p\u00e5 objektive kriterier<span class=\"_ _1\"></span>. <span class=\"_ _f3\"> </span><table class=\"s w8f5 h8a\" id=\"_406fa0fe-98e6-40f4-a16c-e3e42ce9cf6b\"><tr><td class=\"c n x114 y1232 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y1232 w8f6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andre immaterielle eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cb y1232 w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1233 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1233 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1233 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c3 y1233 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c4 y1233 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1234 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1234 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1234 w8f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsek<span class=\"_ _0\"></span>ost 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e8 y1234 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e9 y1234 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1094 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1094 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1094 w8ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d5 y1094 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ea y1094 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1235 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1235 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1235 w8ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d3 y1235 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d4 y1235 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1236 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1236 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1236 w8f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsek<span class=\"_ _0\"></span>ost 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10eb y1236 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ec y1236 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1237 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1237 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1237 w8fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte av- og nedskrivninger 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ed y1237 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ee y1237 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 w8fb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang akkumulerte av- og nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ef y1238 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f0 y1238 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x157 yfca w8fc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f1 yfca w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f2 yfca w8fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets av- og nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f3 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f4 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1239 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1239 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1239 w8fe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte av- og nedskrivninger 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f5 y1239 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f6 y1239 w8ff h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 w900 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andre immaterielle eiendeler 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f8 ye84 w901 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f9 ye84 w1c7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr></table>Note 30 \u2013 Eiendom, anlegg og utstyr<table class=\"s w902 h8b\" id=\"_7a742b0b-1dd7-4240-bb57-1dd389eb8b95\"><tr><td></td><td></td><td class=\"c n x10fa y123a w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x10fb y123a w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x10fc hb y123b ff2 fs7 fc3 sc0 ls0 ws0\">Maskiner<span class=\"_ _1\"></span>, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x10fd hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">Bygg, </td><td class=\"t m0 x10fe hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">inventar </td><td></td><td></td><td></td><td></td><td class=\"t m0 x10ff hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">Bygg, </td><td class=\"t m0 x1100 hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">Maskiner<span class=\"_ _1\"></span>, </td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1101 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">tomter og </td><td class=\"t m0 x1102 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">og trans-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1103 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">Anlegg </td><td></td><td></td><td></td><td class=\"t m0 x1104 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">tomter og </td><td class=\"t m0 x1105 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">inventar </td><td class=\"t m0 x1106 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">Anlegg </td><td></td><td></td></tr><tr><td class=\"t m0 x18e hb y123e ff2 fs7 fc3 sc0 ls0 ws20\">annen fast </td><td class=\"t m0 x1102 hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">portmid-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1107 hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">under </td><td class=\"t m0 x1108 hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">IFRS 16 </td><td></td><td></td><td class=\"t m0 x1109 hb y123e ff2 fs7 fc3 sc0 ls0 ws20\">annen fast </td><td class=\"t m0 x110a hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">og trans-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x110b hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">under </td><td class=\"t m0 x110c hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">IFRS 16 </td><td></td></tr><tr><td class=\"t m0 x110d hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">eiendom<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x110e hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">ler<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x110f hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">utf\u00f8relse<span class=\"_ _2cc\"> </span></td><td class=\"c n x1110 y1240 w903 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">bruksrett<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1111 y1240 w904 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1112 y1240 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x1113 hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">eiendom<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1114 hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">portmidler<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1115 hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">utf\u00f8relse<span class=\"_ _2cc\"> </span></td><td class=\"c n x1116 y1240 w903 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">bruksrett<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1117 y1240 w904 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1118 y1241 w28 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1119 y1241 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111a y1241 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111b y1241 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111c y1241 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">199<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111d y1241 w905 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 01.01.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111e y1241 w49 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">156<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111f y1241 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">47<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1120 y1241 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1121 y1241 w33 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1122 y1241 w906 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">243<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1123 y1242 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1124 y1242 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1125 y1242 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1126 y1242 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1127 y1242 w14b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1128 y1242 w8ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1129 y1242 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112a y1242 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112b y1242 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112c y1242 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112d y1242 w125 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1243 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1243 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1130 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1131 y1243 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1132 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1133 y1243 w907 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1134 y1243 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1135 y1243 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1136 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1137 y1243 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1138 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1118 y1244 w1ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1139 y1244 wc7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113a y1244 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113b y1244 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113c y1244 w33c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113d y1244 w908 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113e y1244 wbc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113f y1244 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1140 y1244 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1141 y1244 w33 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1142 y1244 w1be h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">246<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y1245 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert av-og nedskriv-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1144 y1246 w3e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">78<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1145 y1246 w909 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1146 y1246 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1147 y1246 w804 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1148 y1246 w1a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">115<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 y1246 w90a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ning 01.01.2018<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114a y1246 w24 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">81<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114b y1246 wbb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114c y1246 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114d y1246 w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">19<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114e y1246 w363 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">137<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1247 w11d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114f y1247 w90b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1150 y1247 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1151 y1247 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1152 y1247 w61 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1153 y1247 w90c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1154 y1247 w1a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1155 y1247 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1156 y1247 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1157 y1247 w14c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1158 y1247 w120 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1159 y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115a y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115b y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115c y1248 w90d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets nedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115d y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115e y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115f y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1160 y1248 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1161 y1248 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1159 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115a y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115b y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115c y1249 w90e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1162 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1163 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1164 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1165 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1166 y1249 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y124a ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert avskrivning og </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1144 y124b w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1167 y124b w77 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1168 y124b w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1169 y124b w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116a y124b w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 y124b w90f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">nedskrivning 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116b y124b we2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116c y124b w8f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116d y124b w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116e y124b w122 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116f y124b w12f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1170 y124c w910 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">65<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1171 y124c w81d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1172 y124c w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1173 y124c w812 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1174 y124c w911 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">75<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1175 y124c w912 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1176 y124c w913 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">70<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1177 y124c w115 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1178 y124c w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1179 y124c w914 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117a y124c w915 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">96<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x117b y124d w1ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117c y124d wc7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117d y124d w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117e y124d wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117f y124d w33c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1180 y124d w916 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 01.01.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1181 y124d w34c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1182 y124d w719 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1183 y124d w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1184 y124d w33 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1185 y124d w1be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">246<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1144 y1090 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1186 y1090 w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1187 y1090 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1188 y1090 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1189 y1090 w917 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118a y1090 w8ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118b y1090 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118c y1090 w66a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118d y1090 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118e y1090 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118f y1090 wbb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y124e w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1190 y124e w136 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1191 y124e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1192 y124e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1193 y124e w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1194 y124e w907 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1195 y124e w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1196 y124e w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1197 y124e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1198 y124e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1199 y124e wa2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x117b y124f wfc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">180<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119a y124f wc7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119b y124f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119c y124f wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119d y124f w918 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119e y124f w919 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119f y124f w91a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">187<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a0 y124f w719 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a1 y124f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a2 y124f w30 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a3 y124f w128 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">276<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y1250 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert av-og nedskriv-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1170 y1208 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a4 y1208 w77 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a5 y1208 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a6 y1208 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a7 y1208 w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 y1208 w91b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ning 01.01.2015<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a8 y1208 w3e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a9 y1208 w91c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11aa y1208 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ab y1208 w122 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ac y1208 w1b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1251 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114f y1251 w90b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1150 y1251 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1151 y1251 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1152 y1251 w61 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1153 y1251 w90c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1154 y1251 w1a0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1155 y1251 w26 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1156 y1251 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ad y1251 w125 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ae y1251 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1210 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1210 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1159 y1210 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11af y1210 w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b0 y1210 w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b1 y1210 w90d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets nedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b2 y1210 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b3 y1210 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b4 y1210 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b5 y1210 w66a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b6 y1210 w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y120a w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1190 y120a w136 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1191 y120a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1192 y120a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1193 y120a w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1194 y120a w91d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b7 y120a w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b8 y120a w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b9 y120a w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ba y120a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bb y120a w1a0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y1252 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert avskrivning og </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1170 yfca w91e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">89<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bc yfca wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bd yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11be yfca w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bf yfca w306 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 yfca w91f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">nedskrivning 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c0 yfca wad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">92<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c1 yfca w33 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c2 yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c3 yfca w120 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c4 yfca w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">152<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1170 ye84 w920 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">90<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c5 ye84 w921 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c6 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c7 ye84 w922 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c8 ye84 w112 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">106<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c9 ye84 w923 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ca ye84 w924 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">95<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cb ye84 w921 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cc ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cd ye84 w925 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ce ye84 w269 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td></tr></table>Avskrivning Prosentsats for or<span class=\"_ _0\"></span>din\u00e6re av<span class=\"_ _0\"></span>skrivninger er 2-5 % for bankby<span class=\"_ _0\"></span>gg og annen fast eiendom, tomter 0 %, innredning og inventar 10-30 %, maskiner- og IT<span class=\"_ _141\"></span>-utstyr 15-30 % og transportmidler 20-25 %.<span class=\"ff5\"> </span>Sikkerhetsstillelse Banken har ikk<span class=\"_ _0\"></span>e pantsatt eller akseptert andre r\u00e5dighetsbegrensninger for sine anleggsmidler<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-634": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs4f0\">Note 9 \u2013 SpareBank 1 Boligkr<span class=\"_ _0\"></span>editt AS, SpareBank 1 N\u00e6ringskreditt AS og </div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs4f1\"> <span class=\"_ _5a\"> </span>Kredittbank<span class=\"_ _1\"></span>en ASA<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs4f2\">SP<span class=\"_ _1\"></span>AREBANK 1 BOLIGKREDITT AS<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f3\">SpareBank 1 Boligkreditt AS er eid a<span class=\"_ _0\"></span>v sparebanker som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f4\">inng\u00e5r i SpareBank 1-alliansen og er samlokalisert med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f5\">SpareBank 1 N\u00e6ringskreditt AS i Sta<span class=\"_ _0\"></span>vanger<span class=\"_ _1\"></span>. Banken har </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f6\">en eierandel p\u00e5 4,24 prosent pr 31.<span class=\"_ _1\"></span>12.2025 (4,27 prosent </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f7\">pr 31.<span class=\"_ _1\"></span>12.2024). Hensikten med kredittforetak<span class=\"_ _0\"></span>et er \u00e5 sikre </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f8\">bankene i alliansen stabil og langsiktig finansiering a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4f9\">boligl\u00e5n til konkurransedyktige priser<span class=\"_ _1\"></span>. Obligasjonene </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4fa\">til SpareBank 1 Boligkreditt har en rating p\u00e5 Aaa fra </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4fb\">Moody's. SpareBank 1 Boligkreditt erverver utl\u00e5n med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4fc\">pant i boliger og utsteder obligasjoner med fortrinns-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4fd\">rett innenfor r<span class=\"_ _0\"></span>egelverket f<span class=\"_ _0\"></span>or dette som ble etablert i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4fe\">2007<span class=\"_ _141\"></span>. Som en del av alliansen kan banken ov<span class=\"_ _0\"></span>erf\u00f8re utl\u00e5n </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs4ff\">til foretak<span class=\"_ _0\"></span>et, og som en del av bankens finansierings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs500\">strategi er det overf\u00f8rt utl\u00e5n til for<span class=\"_ _0\"></span>etaket. L\u00e5n overf\u00f8rt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs501\">til SpareBank 1 Boligkreditt AS er sikr<span class=\"_ _0\"></span>et med pant i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs502\">bolig innenfor 75 prosent a<span class=\"_ _0\"></span>v takst. Overf\u00f8rte utl\u00e5n er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs503\">juridisk eid av SpareBank 1 Boligkr<span class=\"_ _0\"></span>editt AS og banken </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs504\">har<span class=\"_ _1\"></span>, utover forvaltningsrett og r<span class=\"_ _0\"></span>ett til \u00e5 overta helt eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs505\">delvis nedskrevne l\u00e5n, ingen r<span class=\"_ _0\"></span>ett til bruk av l\u00e5nene. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs506\">V<span class=\"_ _0\"></span>ed utgangen av desember 2025 er bokf\u00f8rt ver<span class=\"_ _0\"></span>di av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs507\">overf\u00f8rte utl\u00e5n 12,62 milliarder kroner<span class=\"_ _141\"></span>. Banken forest\u00e5r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs508\">forvaltningen av o<span class=\"_ _0\"></span>verf\u00f8rte utl\u00e5n og mottar en provisjon </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs509\">basert p\u00e5 nettoen av avk<span class=\"_ _0\"></span>astningen p\u00e5 utl\u00e5nene banken </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs50a\">har overf\u00f8rt og kostnadene i f<span class=\"_ _0\"></span>oretaket.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs50b\">Mottatt vederlag for l\u00e5n o<span class=\"_ _0\"></span>verf\u00f8rt fra banken til Spare-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs50c\">Bank 1 Boligkreditt AS tilsvarer nominell v<span class=\"_ _0\"></span>erdi p\u00e5 ov<span class=\"_ _0\"></span>er-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs50d\">f\u00f8rte utl\u00e5n og vurderes tiln\u00e6rmet sammenfallende med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs50e\">l\u00e5nenes virkelige ver<span class=\"_ _0\"></span>di per utgangen av 2025 og 2024. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs50f\">De l\u00e5nene som er overf\u00f8rt til SpareBank 1 Boligkreditt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs510\">AS er sv\u00e6rt godt sikret og har en sv\u00e6rt liten tapssann-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs511\">synlighet. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs512\">Banken har ogs\u00e5 inng\u00e5tt en aksjon\u00e6ra<span class=\"_ _0\"></span>vtale med ak-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs513\">sjon\u00e6rene i SpareBank 1 Boligkr<span class=\"_ _0\"></span>editt AS. Denne inne-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs514\">b\u00e6rer blant annet at banken sk<span class=\"_ _0\"></span>al bidra til at SpareBank </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs515\">1 Boligkreditt AS til enhver tid har en r<span class=\"_ _0\"></span>en kjernekapital-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs516\">dekning (Core Tier 1) som tilsvarer de kra<span class=\"_ _0\"></span>v som myndig-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs517\">heter fastsetter (inkludert krav til bufferkapital og Pilar </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs518\">2 beregninger), og ev<span class=\"_ _0\"></span>entuelt \u00e5 tilf\u00f8re kjernekapital om </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs519\">den faller til et lav<span class=\"_ _0\"></span>ere niv\u00e5. SpareBank 1 Boligkreditt AS </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs51a\">har interne retningslinjer om kjernekapitaldekning som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs51b\">overstiger myndighetenes kra<span class=\"_ _0\"></span>v<span class=\"_ _1\"></span>, samt management </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs51c\">buffer p\u00e5 0,<span class=\"_ _0\"></span>4%. Ut fra en konkret vur<span class=\"_ _0\"></span>dering har banken </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs51d\">valgt ikke \u00e5 holde kapital f<span class=\"_ _0\"></span>or denne forpliktelsen, f<span class=\"_ _0\"></span>ordi </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs51e\">risikoen f<span class=\"_ _0\"></span>or at banken skal bli tvunget til \u00e5 bidra anses </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs51f\">som sv\u00e6rt liten. Det vises i den forbindelse ogs\u00e5 til at </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs520\">det finnes en rekke handlingsalternativ<span class=\"_ _0\"></span>er som ogs\u00e5 kan </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs521\">v\u00e6re aktuelle dersom en slik situasjon skulle inntreff<span class=\"_ _0\"></span>e.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls0 ws0 gs523\">SP<span class=\"_ _1\"></span>AREBANK 1 N\u00c6RINGSKREDITT AS<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs524\">De l\u00e5nene som er overf\u00f8rt til SpareBank 1 N\u00e6rings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs525\">kreditt AS er sv\u00e6rt godt sikret og har en sv\u00e6rt liten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs526\">tapssannsynlighet.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs527\">SpareBank 1 N\u00e6ringskreditt ble etablert i 2009 og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs528\">har konsesjon fra Finanstilsynet til \u00e5 driv<span class=\"_ _0\"></span>e som kreditt-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs529\">foretak. Bank<span class=\"_ _0\"></span>en har en eierandel p\u00e5 9,32 prosent pr </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs52a\">31.<span class=\"_ _1\"></span>12.2025 (9,82 prosent pr 31.<span class=\"_ _1\"></span>12.2024). Obligasjonene </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs52b\">til SpareBank1 N\u00e6ringskreditt har en Aaa rating fra </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs52c\">Moody's. Foretak<span class=\"_ _0\"></span>et er eid av sparebank<span class=\"_ _0\"></span>er som inng\u00e5r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs52d\">i SpareBank1-alliansen og er samlokalisert med Spare-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs52e\">Bank 1 Boligkreditt i Stavanger<span class=\"_ _141\"></span>. Hensikten med kredittfo-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs52f\">retaket er \u00e5 sikr<span class=\"_ _0\"></span>e bankene i alliansen stabil og langsiktig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs530\">finansiering av n\u00e6ringseiendom til k<span class=\"_ _0\"></span>onkurransedyktige </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs531\">priser<span class=\"_ _1\"></span>. SpareBank1 N\u00e6ringskreditt erverver utl\u00e5n med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs532\">pant i n\u00e6ringseiendom og utsteder obligasjoner med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs533\">fortrinnsrett innenf<span class=\"_ _0\"></span>or regelverk<span class=\"_ _0\"></span>et for dette som ble eta-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs534\">blert i 2007<span class=\"_ _1\"></span>. Som en del av bank<span class=\"_ _0\"></span>ens finansieringsstrategi </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs535\">er det overf\u00f8rt utl\u00e5n til for<span class=\"_ _0\"></span>etaket. L\u00e5n overf\u00f8rt til Spa-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs536\">rebank 1 N\u00e6ringskreditt er sikr<span class=\"_ _0\"></span>et med pant i n\u00e6ringsei-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs537\">endom innenfor 60 prosent a<span class=\"_ _0\"></span>v takst. Overf\u00f8rte l\u00e5n er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs538\">juridisk eid av Sparebank 1 N\u00e6ringskr<span class=\"_ _0\"></span>editt og banken </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs539\">har<span class=\"_ _1\"></span>, utover forvaltningsrett og r<span class=\"_ _0\"></span>ett til \u00e5 overta helt eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs53a\">delvis nedskrevne l\u00e5n (til nedskr<span class=\"_ _0\"></span>evet ver<span class=\"_ _0\"></span>di), ingen rett </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs53b\">til bruk av l\u00e5nene. V<span class=\"_ _1\"></span>ed utgangen av desember 2025 er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs53c\">bokf\u00f8rt verdi a<span class=\"_ _0\"></span>v solgte utl\u00e5n til SpareBank 1 N\u00e6rings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs53d\">kreditt AS 840 mill. kr<span class=\"_ _1\"></span>. Banken for<span class=\"_ _0\"></span>est\u00e5r forvaltningen av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs53e\">overf\u00f8rte utl\u00e5n og mottar en provisjon basert p\u00e5 netto-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs53f\">en av a<span class=\"_ _0\"></span>vkastningen p\u00e5 utl\u00e5nene banken har ov<span class=\"_ _0\"></span>erf\u00f8rt og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs540\">kostnadene i f<span class=\"_ _0\"></span>oretaket.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs541\">Mottatt vederlag for l\u00e5n o<span class=\"_ _0\"></span>verf\u00f8rt fra banken til Spa-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs542\">reBank 1 N\u00e6ringskreditt AS tilsvar<span class=\"_ _0\"></span>er nominell verdi p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs543\">overf\u00f8rte utl\u00e5n og vurderes tiln\u00e6rmet sammenf<span class=\"_ _0\"></span>allende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs544\">med l\u00e5nenes virkelige ver<span class=\"_ _0\"></span>di per utgangen av 2025 og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs545\">2024.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs546\">De l\u00e5nene som er overf\u00f8rt til SpareBank 1 N\u00e6rings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs547\">kreditt AS er sv\u00e6rt godt sikret og har en sv\u00e6rt liten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs548\">tapssannsynlighet. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs549\">Banken har ogs\u00e5 inng\u00e5tt en aksjon\u00e6ra<span class=\"_ _0\"></span>vtale med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs54a\">aksjon\u00e6rene i SpareBank 1 N\u00e6ringskr<span class=\"_ _0\"></span>editt AS. Denne </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs54b\">inneb\u00e6rer blant annet at banken sk<span class=\"_ _0\"></span>al bidra til at Spare-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs54c\">Bank 1 N\u00e6ringskreditt kjernekapitaldekningen minst er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs54d\">p\u00e5 11,0 prosent, og eventuelt \u00e5 tilf\u00f8r<span class=\"_ _0\"></span>e kjernekapital om </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs54e\">den faller til et lav<span class=\"_ _0\"></span>ere niv\u00e5. SpareBank 1 N\u00e6ringskreditt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs54f\">AS har interne retningslinjer om kjernekapitaldekning </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs550\">som overstiger myndighetenes kra<span class=\"_ _0\"></span>v<span class=\"_ _1\"></span>, samt management </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs551\">buffer p\u00e5 0,<span class=\"_ _0\"></span>4%. Ut fra en konkret vur<span class=\"_ _0\"></span>dering har banken<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs553\">valgt ikke \u00e5 holde kapital f<span class=\"_ _0\"></span>or denne forpliktelsen, f<span class=\"_ _0\"></span>ordi </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs554\">risikoen f<span class=\"_ _0\"></span>or at banken skal bli tvunget til \u00e5 bidra anses </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs555\">som sv\u00e6rt liten. Det vises i den forbindelse ogs\u00e5 til at </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs556\">det finnes en rekke handlingsalternativ<span class=\"_ _0\"></span>er som ogs\u00e5 kan </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs557\">v\u00e6re aktuelle dersom en slik situasjon skulle inntreff<span class=\"_ _0\"></span>e.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 lsd ws19 gs558\">KREDITTBANKEN ASA<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs559\">Kredittbanken ASA er eid a<span class=\"_ _0\"></span>v sparebank<span class=\"_ _0\"></span>er som inng\u00e5r </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs55a\">i SpareBank 1 og Eika-alliansene, og har som f<span class=\"_ _0\"></span>orm\u00e5l \u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs55b\">v\u00e6re felles kr<span class=\"_ _0\"></span>edittkortselskap f<span class=\"_ _0\"></span>or bankenes kunder<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs55c\">SpareBank 1 Ringerike Hadeland har inng\u00e5tt en ak-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs55d\">sjon\u00e6ravtale med aksjon\u00e6r<span class=\"_ _0\"></span>ene Kredittbanken ASA. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs55e\">Avtalen inneb\u00e6r<span class=\"_ _0\"></span>er blant annet at banken er forpliktet til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs55f\">\u00e5 bidra med egenkapital slik at Kredittbank<span class=\"_ _0\"></span>en ASA har </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs560\">en forsvarlig ans<span class=\"_ _0\"></span>varlig kapital, og til enhver tid oppfyller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs561\">de minstekrav til ansvarlig kapital som f\u00f8lger a<span class=\"_ _0\"></span>v lovgiv-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs562\">ning og/eller anbefalinger fra Finanstilsynet og som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs563\">er n\u00f8dvendig for en f<span class=\"_ _0\"></span>orsvarlig drift a<span class=\"_ _0\"></span>v Kredittbanken </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs564\">ASA. Banken er ogs\u00e5 f<span class=\"_ _0\"></span>orpliktet til \u00e5 bidra med funding </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs565\">av egen portef\u00f8lje (total balanse). Banken mottar </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs566\">provisjon fra Kr<span class=\"_ _0\"></span>edittbanken ASA tilsvarende bank<span class=\"_ _0\"></span>ens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs567\">andel av renteinntekter fratrukk<span class=\"_ _0\"></span>et fundingkostnader og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs568\">konstaterte tap, bank<span class=\"_ _0\"></span>ens andel av transaksjonsinntekter </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs569\">samt nysalgsprovisjon.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTransfersOfFinancialAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-635": {
   "value": "Note 10 \u2013 T<span class=\"_ _141\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span>Morbank og konsern<span class=\"_ _2cc\"> </span>Alle bel\u00f8p er like f<span class=\"_ _0\"></span>or morbank og konsern bortsett fra en konsolidering fra en datter f<span class=\"_ _0\"></span>or brutto og netto utl\u00e5n, se note 5. Bel\u00f8p i mnok. Utl\u00e5n til privatmarkedet er vurdert til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver utvidet resultat. T<span class=\"_ _141\"></span>apsvurdering etter IFRS 9 inng\u00e5r som en del av grunnlaget f<span class=\"_ _0\"></span>or virkelig ver<span class=\"_ _0\"></span>divurdering.<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w428 h41\" id=\"_7637c4f2-facb-416e-a271-04a864b007b0\"><tr><td></td><td></td><td></td><td class=\"t m0 x799 hb y101f ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x79a hb y1020 ff2 fs7 fc3 sc0 ls0 ws0\">Netto konsta-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x79b hb y1021 ff2 fs7 fc3 sc0 ls0 ws0\">Endring avset-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x79c hb y1021 ff2 fs7 fc3 sc0 ls0 ws0\">tert/innbetalt tid-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1022 w429 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x79d y1022 w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024</div></td><td class=\"t m0 x79e hb y1023 ff2 fs7 fc3 sc0 ls0 ws0\">ning for tap<span class=\"_ _2cc\"> </span></td><td class=\"c n x79f y1022 w42b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ligere konstatert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7a0 y1022 w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1024 w42d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap etter amortisert kost - bedriftsmark<span class=\"_ _0\"></span>edet</div></td><td class=\"c n x7a1 y1024 w161 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a2 y1024 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>32<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a3 y1024 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7a4 y1024 w430 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1025 w431 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di over utvidet resultat (OCI) - Privatmark<span class=\"_ _0\"></span>ed</div></td><td class=\"c n x7a5 y1025 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a6 y1025 w432 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7a7 y1025 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7a8 y1025 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1026 w433 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsvis gruppevis tapsav<span class=\"_ _0\"></span>setning</div></td><td class=\"c n x7a9 y1026 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7aa y1026 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ab y1026 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ac y1026 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w435 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum avsetning til tap p\u00e5 utl\u00e5n og garantier</div></td><td class=\"c n x7ad ye84 w436 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ae ye84 w437 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7af ye84 w438 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(0)</div></td><td class=\"c n x7b0 ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w428 h42\" id=\"_dfc1a152-d67e-4df7-9001-085d86d670b3\"><tr><td></td><td></td><td></td><td class=\"t m0 x799 hb y1027 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x79a hb y1028 ff2 fs7 fc3 sc0 ls0 ws0\">Netto konsta-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x79b hb y1029 ff2 fs7 fc3 sc0 ls0 ws0\">Endring avset-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x79c hb y1029 ff2 fs7 fc3 sc0 ls0 ws0\">tert/innbetalt tid-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1022 w429 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7b1 y1022 w439 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2025</div></td><td class=\"t m0 x79e hb y102a ff2 fs7 fc3 sc0 ls0 ws0\">ning for tap<span class=\"_ _2cc\"> </span></td><td class=\"c n x79f y1022 w42b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ligere konstatert<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x7b2 y1022 w43a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102b w42d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap etter amortisert kost - bedriftsmark<span class=\"_ _0\"></span>edet</div></td><td class=\"c n x7b3 y102b w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7b4 y102b w43b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7b5 y102b w43b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td></td><td class=\"c n x7b6 y102b w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1025 w431 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di over utvidet resultat (OCI) - Privatmark<span class=\"_ _0\"></span>ed</div></td><td class=\"c n x7a5 y1025 w42e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7b7 y1025 w43c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7b8 y1025 w42f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td></td><td class=\"c n x7b9 y1025 w43d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>18<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1026 w433 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsvis gruppevis tapsav<span class=\"_ _0\"></span>setning</div></td><td class=\"c n x7a9 y1026 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7aa y1026 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ab y1026 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x7ac y1026 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w435 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum avsetning til tap p\u00e5 utl\u00e5n og garantier</div></td><td class=\"c n x7ba ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td><td></td><td class=\"c n x7b4 ye84 w43e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(5)</div></td><td class=\"c n x7bb ye84 w438 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(0)</div></td><td class=\"c n x7bc ye84 w43f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>144<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table></div>Bankens BM og PM av<span class=\"_ _0\"></span>delinger har i l\u00f8pet av de siste kvartale-<span class=\"_ _2cc\"> </span>ne gjennomf\u00f8rt engasjementsgjennomgang med vurdering av kredittrisikoen som f\u00f8lge a<span class=\"_ _0\"></span>v dagens markedssituasjon. Vi har over tid observert h\u00f8y prisvek<span class=\"_ _0\"></span>st i Norge, men den har avtatt de siste \u00e5rene. Inflasjonen er over f<span class=\"_ _0\"></span>ortsatt over m\u00e5let og, pris-<span class=\"_ _2cc\"> </span>veksten m\u00e5 videre ned f<span class=\"_ _0\"></span>or \u00e5 n\u00e5 inflasjonsm\u00e5let. Norges Bank vurderer det dithen at det renteutsiktene er lite endr<span class=\"_ _0\"></span>et siden september<span class=\"_ _1\"></span>, og forventningen er at styringsrenten settes ned 1-2 ganger i l\u00f8pet a<span class=\"_ _0\"></span>v 2026..  P\u00e5 bakgrunn av dette besluttet Norges Bank i rentem\u00f8tet 17<span class=\"_ _141\"></span>. desember \u00e5 beholde styrings-<span class=\"_ _2cc\"> </span>renten uendret p\u00e5 4,0 prosent. Prognosene er usikr<span class=\"_ _0\"></span>e, men signalene fra Norges Bank tilsier at styringsrenten skal gradvis nedtrappes til om lag 3 prosent i 2028.   T<span class=\"_ _1\"></span>otale tapskostnader i kvartalet bel\u00f8per seg til -6 (Inntekts-<span class=\"_ _2cc\"> </span>f\u00f8ring) mill. kroner<span class=\"_ _1\"></span>. T<span class=\"_ _1\"></span>otale tapskostnader i 2025 bel\u00f8per seg derfor til -4,5 (<span class=\"_ _3\"></span>inntektsf\u00f8ring) mill. kroner<span class=\"_ _1\"></span>.  V<span class=\"_ _0\"></span>ed innf\u00f8ring av L<span class=\"_ _1\"></span>GD v3 h\u00f8sten 2024 hadde banken en \u00f8kning i tapskostnadene med ca 16 mill. kroner<span class=\"_ _1\"></span>. Det er i 4. kvartal 2025 gjort kalibrering av L<span class=\"_ _1\"></span>GD-modellen, som gir reduserte tapskost-<span class=\"_ _2cc\"> </span>nader p\u00e5 om lag 17 mill. kroner<span class=\"_ _1\"></span>.  Det er i fjerde kvartal gjort individuelle nedskrivninger p\u00e5 en-<span class=\"_ _2cc\"> </span>keltengasjement p\u00e5 0,<span class=\"_ _0\"></span>4 mill. kroner og det er konstaterte tap p\u00e5 totalt 0,2 mill. kr<span class=\"_ _1\"></span>, og netto effekter fra individuelt vurderte engasjementer i trinn 3k er derfor en inntektsf\u00f8ring p\u00e5 0,5 mill. kr<span class=\"_ _1\"></span>. i kvartalet<span class=\"_ _3\"></span>. I 2025 er det gjort individuelle nedskrivninger p\u00e5 enkeltengasjementer p\u00e5 2,3 mill. kr<span class=\"_ _1\"></span>. og det er konstaterte tap p\u00e5 totalt 0,7 mill. kroner<span class=\"_ _1\"></span>. T<span class=\"_ _1\"></span>otale effekter fra individuelt vurderte engasjementer i trinn 3k er i 2025 en kostnad p\u00e5 2,7 mill. kr<span class=\"_ _0\"></span>oner<span class=\"_ _1\"></span>. <span class=\"_ _1b7\"></span> Skj\u00f8nnsmessig tapsavsetning ble \u00f8kt fra 0 mill. kroner til 8 mill. kroner i 1.kvartal 2022 og videre til 10 mill. kroner i 4.kvartal 2022 og 12,5 mill. kroner i 4. kvartal 2023 grunnet forventning om at \u00f8kt usikkerhet og endret r<span class=\"_ _0\"></span>entebane vil sl\u00e5 inn i kreditt-<span class=\"_ _2cc\"> </span>modellene med forsink<span class=\"_ _0\"></span>else. Observert PD-niv\u00e5 har v\u00e6rt stabil i 2025, samt at observert PD for friske BM-engasjementer er om lag uendret i 2025.  Det vil alts\u00e5 ta tid f\u00f8r vi ser effektene a<span class=\"_ _0\"></span>v fall i renter for bedriftene, og vi antar at kunder innen b<span class=\"_ _0\"></span>yggg/<span class=\"_ _2cc\"> </span>anlegg og eiendomsutvikling vil v\u00e6re utsatt ogs\u00e5 fremov<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. Bankens vurdering a<span class=\"_ _0\"></span>v skj\u00f8nnsmessig tilleggsavsetning er at den opprettholdes p\u00e5 12,5 mill. kroner i 4. kvartal 2025. T<span class=\"_ _1\"></span>abellene under avstemmer inng\u00e5ende og utg\u00e5ende balanse per trinn.  Avstemmingsposter inkluder<span class=\"_ _0\"></span>er: - Bevegelser mellom trinn, IB f<span class=\"_ _0\"></span>or l\u00e5n som er flyttet til trinnene.  - Nye ustedte l\u00e5n, som reflekterer tapsa<span class=\"_ _0\"></span>vsetningen for ny<span class=\"_ _0\"></span>e innregnede l\u00e5n, inkludert utl\u00e5n som tidligere er fraregnet som f\u00f8lge av endrede vilk\u00e5r<span class=\"_ _1\"></span>.   - Utl\u00e5n som er fraregnet reflekterer a<span class=\"_ _0\"></span>vsetning for utl\u00e5n som er fraregnet i perioden uten at det er nedskrev<span class=\"_ _0\"></span>et som f\u00f8lge av kredittap inkludert l\u00e5n som er fraregnet som f\u00f8lge a<span class=\"_ _0\"></span>v endringer i vilk\u00e5r  - Ny m\u00e5ling av tap inkluderer eff<span class=\"_ _0\"></span>ekt av endringer i input eller forutsetninger i modellen, delvis tilbakebetaling, opptr<span class=\"_ _0\"></span>ekk i eksisterende kreditt, og endringer i m\u00e5ling som f\u00f8lge av o<span class=\"_ _0\"></span>ver-<span class=\"_ _2cc\"> </span>f\u00f8ring mellom trinn<table class=\"s w440 h43\" id=\"_30eb1307-965b-468c-a933-539d04159765\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y102c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w441 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102d w400 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102d w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102d w442 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102d w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102e w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7c2 y102e w444 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>43<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c3 y102e w298 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>47<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c4 y102e w445 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c5 y102e w436 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y102f ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7c6 y1030 w5e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7c7 y1030 w43c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7c8 y1030 w432 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7c9 y1030 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x7ca y1031 w448 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7cb y1031 w449 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7cc y1031 w44a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7cd y1031 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w44b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7ce y1032 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7cf y1032 w44c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7d0 y1032 w44d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d1 y1032 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7d2 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d3 y1033 we0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d4 y1033 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d5 y1033 w434 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w450 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d2 y1034 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d6 y1034 w42e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>32<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d7 y1034 w3e4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d8 y1034 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d9 y1035 w452 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(16)</div></td><td class=\"c n x7da y1035 w453 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n x7db y1035 w454 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(7)</div></td><td class=\"c n x7dc y1035 w455 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(38)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w456 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n som har blitt fraregnet</div></td><td class=\"c n x7dd y1036 w448 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7de y1036 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7df y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7e0 y1036 w43c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x7e1 y1037 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e2 y1037 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e3 y1037 w459 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7e4 y1037 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w45a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x7e9 ye84 w366 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>44<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ea ye84 w45c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>60<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7eb ye84 w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>45<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ec ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w483 h46\" id=\"_6fb07b5d-f51a-44a1-a58f-0bb8972e6e4f\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1048 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x465 hb y1049 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til virkelig ver<span class=\"_ _0\"></span>di over </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y102e w474 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x812 y102e w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x813 y102e w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x814 y102e w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x815 y102e w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y104a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y104a w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x817 y104a w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83c y104a w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83d y104a w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y104b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1031 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1031 w3c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x771 y1031 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x83e y1031 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x83f y1031 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f4 y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x841 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x842 y1032 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y1033 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x843 y1033 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x845 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x826 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x827 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x847 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x848 y1035 w485 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x849 y1035 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84a y1035 w486 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84b y1035 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x84c y103e w488 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84d y103e w489 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84e y103e w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84f y103e w47f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x850 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x851 y1037 w46c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x852 y1037 w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y104d w458 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y104d w398 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x857 ye84 w48b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>7<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x858 ye84 w476 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>9<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x859 ye84 w477 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w45e h45\" id=\"_9bbceb94-3b30-4849-baac-1ed768c47b50\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1040 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x465 hb y1041 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til virkelig ver<span class=\"_ _0\"></span>di over </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1042 w474 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x812 y1042 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x813 y1042 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x814 y1042 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x815 y1042 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1043 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y1043 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x817 y1043 w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x818 y1043 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x819 y1043 w477 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1044 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1045 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1045 w466 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81b y1045 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81c y1045 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81d y1045 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x81e y1032 w479 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81f y1032 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x820 y1032 w47b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _0\"></span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fa y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x821 y1046 w47c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x822 y1046 w47d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2,2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x823 y1046 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x824 y1046 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x825 y1034 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x826 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x827 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x828 y1034 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1047 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x829 y1047 w185 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1,0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82a y1047 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82b y1047 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82c y1047 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x82d y1036 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82e y1036 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82f y1036 w465 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x830 y1036 w47f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x832 y1037 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x833 y1037 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x834 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x839 ye84 w482 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83a ye84 w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83b ye84 w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w45e h44\" id=\"_4e4ab1e2-835d-4543-a0fc-03f10a0df121\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1039 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w441 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102d w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102d w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102d w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102d w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7ed y103a w36a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>44<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ee y103a w45f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>60<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7d7 y103a w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>45<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x336 y103a w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y103b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7ef y1030 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f0 y1030 w460 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f1 y1030 w461 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f2 y1030 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x7f3 y1031 w462 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f4 y1031 we0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f5 y1031 w463 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f6 y1031 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w44b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y103c w464 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f8 y103c w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f9 y103c w3f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fa y103c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7fb y1033 w466 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fc y1033 w467 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fd y1033 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fe y1033 w468 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d2 y103d w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7ff y103d w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x800 y103d w469 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x801 y103d w46a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x802 y1035 w46b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x803 y1035 w14 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x804 y1035 w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x805 y1035 w46d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w456 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n som har blitt fraregnet</div></td><td class=\"c n x806 y103e w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x807 y103e w46f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x808 y103e w470 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x809 y103e w471 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-14<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80b y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80c y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80d y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w45a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>32<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x80f ye84 w1bc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>64<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x810 ye84 w473 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>48<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x811 ye84 w43f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>144<span class=\"_ gs33e\"> </span></div></td></tr></table><div class=\"gs2bf\"><table class=\"s w48c h43\" id=\"_78c824d7-219f-4c65-84ce-1f210cf0dd79\"><tr><td></td><td></td><td></td><td class=\"t m0 x85a hb y102c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w48d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til amortisert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85b y102d w400 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85c y102d w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85d y102d w3da h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85e y102d w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102e w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7c2 y102e w48e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>37<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x85f y102e w48f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x860 y102e w490 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x861 y102e w491 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>96<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha y102f ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1030 w3c4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x862 y1030 w492 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x863 y1030 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x864 y1030 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x865 y1031 w44a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x866 y1031 w449 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x867 y1031 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x868 y1031 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w44b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7ce y1032 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7cf y1032 w492 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x869 y1032 w3c5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86a y1032 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7d2 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86b y1033 w3f2 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86c y1033 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x581 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w450 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x86d y1034 w493 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x862 y1034 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86e y1034 w494 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86f y1034 w495 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x802 y1035 w496 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(11)</div></td><td class=\"c n x870 y1035 w497 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(12)</div></td><td class=\"c n x871 y1035 w498 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(4)</div></td><td class=\"c n x872 y1035 w499 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(28)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x873 y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x874 y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x875 y1036 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x876 y1036 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x7e1 y1037 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e2 y1037 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e3 y1037 w459 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7e4 y1037 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w45a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w4d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>39<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x877 ye84 w1be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>46<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x878 ye84 w48f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x879 ye84 w49a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w4ac h49\" id=\"_04992bdc-701b-44bf-b443-f7d170a66a13\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1051 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102e w4a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 ubenyttet/ garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102e w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102e w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102e w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102e w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1052 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y1052 w4aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8af y1052 w4ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8b0 y1052 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8b1 y1052 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1053 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1045 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7c6 y1045 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b2 y1045 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b3 y1045 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8b4 y1045 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89b y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x89d y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8b5 y1046 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8b6 y1046 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d4 y1046 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b7 y1046 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x89e y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x898 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b8 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b9 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1047 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a1 y1047 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x881 y1047 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1047 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ba y1047 w486 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a5 y1036 w4ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bb y1036 w4ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bc y1036 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bd y1036 w4af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1054 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1054 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a9 y1054 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8aa y1054 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ab y1054 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8be y1038 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8bf y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x857 ye84 w4aa h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c0 ye84 w7a h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c1 ye84 w476 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w483 h48\" id=\"_b7205904-db6f-4d77-90e5-64fb47542d70\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y104e ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1042 w4a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 ubenyttet/ garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y1042 w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y1042 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y1042 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y1042 w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y104f w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y104f w1da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x895 y104f w4a7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x896 y104f w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x897 y104f w4a8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>5<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1050 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1031 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x825 y1031 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x898 y1031 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x899 y1031 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89a y1031 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89b y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x89d y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y1033 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x843 y1033 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x845 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x89e y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86b y1034 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89f y1034 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8a0 y1034 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a1 y1035 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a2 y1035 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a3 y1035 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a4 y1035 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a5 y103e w4a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a6 y103e w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a7 y103e w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a8 y103e w465 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a9 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8aa y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ab y1037 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y103f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w4aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ac ye84 w4ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ad ye84 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ae ye84 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w49b h44\" id=\"_be9162db-cad4-4264-bbb2-26803782c173\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1039 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w48d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til amortisert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85b y102d w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85c y102d w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85d y102d w3da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85e y102d w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7ed y103a w4d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>39<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x87a y103a w1be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>46<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x87b y103a w48f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x504 y103a w49c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y103b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x87c y1030 w468 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x87d y1030 w49d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x87e y1030 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x87f y1030 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x880 y1031 w46f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x881 y1031 w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x882 y1031 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x883 y1031 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w44b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y103c w464 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f8 y103c w478 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x884 y103c w3f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x885 y103c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7fb y1033 w466 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fc y1033 w467 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x886 y1033 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x887 y1033 w49e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x86d y103d w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x888 y103d w419 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x884 y103d w493 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x889 y103d w49f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>35<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x88a y1035 w4a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88b y1035 w4a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88c y1035 w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88d y1035 w4a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-34<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x88e y103e w4a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88f y103e w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x890 y103e w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x891 y103e w48a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-9<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1037 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1037 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w45a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w4a4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>28<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x892 ye84 w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>54<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x893 ye84 w4a5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>38<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x894 ye84 w49c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table></div><table class=\"s w4b0 h4a\" id=\"_c87c1a82-406f-45ce-97e9-1e578acc97f2\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1055 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w4b1 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c2 y1056 w4b2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c3 y1056 w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c4 y1056 w395 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c5 y1056 w4b3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1057 w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x8c6 y1057 w4b4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.469<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c7 y1057 w404 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.461<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c8 y1057 w4b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>125<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c9 y1057 w4b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.055<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w2c0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>567<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cb y1058 w4b8 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-555<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cc y1058 w144 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cd y1058 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1059 w4b9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1059 w4ba h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cf y1059 w4bb h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>980<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d0 y1059 w144 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y1059 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8d1 y105a w4bd h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d2 y105a w4be h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d3 y105a w4bf h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>128<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d4 y105a w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105b w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x8d5 y105b w406 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.694<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d6 y105b w3ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d7 y105b w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d8 y105b w246 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.904<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8d9 y105c w4c0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.752<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8da y105c w3bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8db y105c w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>92<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8dc y105c w4c1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>125<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105d w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8dd y105d w4c2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3.969<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8de y105d w32d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-501<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8df y105d w4bd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e0 y105d w4c3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4.499<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x8e1 y105e w4c4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.<span class=\"_ _0\"></span>721<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e2 y105e w4c5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e3 y105e w4a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e4 y105e w4c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.936<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105f w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x8e5 y105f w4c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e6 y105f w481 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x890 y105f w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e7 y105f w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x8e8 y1060 w3d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8e9 y1060 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ea y1060 w4c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8eb y1060 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ec ye84 w4ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>19%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ed ye84 w4cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,32%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ee ye84 w4cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15,90%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ef ye84 w4cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,59%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w4b0 h4b\" id=\"_5da67343-619e-490b-9cc0-72ad905c6095\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1061 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w4b1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c2 y1056 w4b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c3 y1056 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c4 y1056 w395 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c5 y1056 w4b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1062 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x8c6 y1062 w4ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f0 y1062 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f1 y1062 w4c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f2 y1062 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>749<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f3 y1058 w4cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>742<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f4 y1058 w48a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f5 y1058 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8f6 y1063 w4d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.<span class=\"_ _1\"></span>130<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f7 y1063 w4d1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.132<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f8 y1063 w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f9 y1063 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8fa y105a w4d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fb y105a w4d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-61<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fc y105a w4d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>80<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d4 y105a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x8d5 y1064 w4d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.<span class=\"_ _0\"></span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fd y1064 w2b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>203<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fe y1064 w47a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ff y1064 w4d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.905<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y105c w4d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.308<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x901 y105c w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>264<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x902 y105c w4d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x903 y105c w4d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.586<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1065 w4da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4.423<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x905 y1065 w4db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-438<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x906 y1065 w4dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x907 y1065 w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4.918<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x908 y105e w4de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.054<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x909 y105e w4df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-211<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x90a y105e w4e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-90<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x90b y105e w4e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.355<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80b y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80c y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f5 y1066 w4e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1067 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x8e8 y1067 w4e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.928<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90c y1067 w4e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.709<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90d y1067 w4e5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90e y1067 w3c3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.864<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ec ye84 w4e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>14%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x90f ye84 w4e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,35%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x910 ye84 w4e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21,22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x911 ye84 w4e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,54%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w4ea h4c\" id=\"_9cb46a36-b8b9-49dc-936b-b1b97a0262bb\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1068 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1069 w4eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y1069 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y1069 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y1069 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y1069 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y106a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x916 y106a w4ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.517<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x917 y106a w4ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>973<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x918 y106a w4ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>58<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x919 y106a w4ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.548<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>282<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91a y1058 w4f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-271<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91b y1058 w4a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91c y1058 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x91d y1063 w4f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-387<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91e y1063 w1a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91f y1063 w4f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x920 y1063 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8fa y105a w4d2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x921 y105a w4f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-54<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x922 y105a w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x923 y105a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x924 y1064 w4f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.557<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x925 y1064 w4f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>108<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x926 y1064 w493 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x927 y1064 w4f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.672<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y105c w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.022<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7c3 y105c w3e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>99<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x928 y105c w4d8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>41<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x929 y105c w4fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>162<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x92a y1065 w397 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.675<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92b y1065 w139 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>188<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92c y1065 w471 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92d y1065 w4fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.877<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x92e y105e w4fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.954<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92f y105e w4fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-159<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x930 y105e w4f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x931 y105e w4fe h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.<span class=\"_ _1\"></span>121<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1066 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1066 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x932 y1060 w4ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x933 y1060 w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x934 y1060 w500 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x935 y1060 w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x936 ye84 w501 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,02%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x937 ye84 w502 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,<span class=\"_ _1\"></span>13%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x938 ye84 w503 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,29%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x939 ye84 w504 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>18%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w505 h4d\" id=\"_df73d660-3b69-4a47-984a-da9b800b63e5\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y106b ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y106c w4eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y106c w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y106c w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y106c w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y106c w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y106d w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x93a y106d w4ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93b y106d w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93c y106d w3ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93d y106d w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y106e w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y106e w506 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>303<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x93e y106e w507 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-297<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x93f y106e w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x940 y106e w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y106f w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x91d y106f w508 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x941 y106f w509 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>239<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x942 y106f w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x943 y106f w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1070 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y1070 w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x945 y1070 w144 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x946 y1070 w3de h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x947 y1070 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1071 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x948 y1071 w50a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.017<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d6 y1071 w3f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x949 y1071 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x52d y1071 w50b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.080<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1072 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y1072 w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.208<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94a y1072 w50c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>61<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94b y1072 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94c y1072 w50d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.275<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1073 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1073 w50e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.878<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94d y1073 w50f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-196<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94e y1073 w46d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94f y1073 w510 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3.<span class=\"_ _0\"></span>120<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1074 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x950 y1074 w511 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.718<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x951 y1074 w512 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-133<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x952 y1074 w513 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x953 y1074 w514 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.903<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1075 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y1075 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1076 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x954 y1076 w515 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x955 y1076 w516 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>626<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x956 y1076 w517 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>61<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x957 y1076 w3fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.715<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x958 ye84 w518 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0,01%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x959 ye84 w519 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">1,06%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95a ye84 w51a h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">15,35%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95b ye84 w51b h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _0\"></span>13%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w51c h4a\" id=\"_e563511f-3c84-4cf5-a129-607edfbfeadd\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1055 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w51d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95c y1056 w390 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95d y1056 w394 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95e y1056 w402 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95f y1056 w3db h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1057 w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x960 y1057 w51e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x961 y1057 w294 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.488<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x962 y1057 w51f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>67<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x963 y1057 w520 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.507<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x964 y1058 w521 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>281<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x965 y1058 w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-281<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x966 y1058 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x967 y1058 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1059 w4b9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1059 wde h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-580<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x968 y1059 w522 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>584<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x969 y1059 w4af h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96a y1059 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y105a w48a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96b y105a w523 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>49<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96c y105a w524 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96d y105a w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105b w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x948 y105b w525 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.292<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96e y105b w3e4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>99<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x882 y105b w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x96f y105b w237 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.391<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x970 y105c w526 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x971 y105c w527 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>181<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x972 y105c w494 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x973 y105c w528 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.880<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105d w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x974 y105d w529 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1.283<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x975 y105d w52a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-310<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x976 y105d w52b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-15<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x977 y105d w52c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.608<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x978 y105e w52d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-847<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x979 y105e w4f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-54<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97a y105e w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97b y105e w52e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-905<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105f w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y105f w461 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97c y105f w52f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97d y105f w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97e y105f w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x932 y1060 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x97f y1060 w530 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.658<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x980 y1060 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>148<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x981 y1060 w532 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x982 ye84 w533 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,36%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x983 ye84 w534 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,98%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x984 ye84 w289 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23,87%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x985 ye84 w501 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,96%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w535 h4b\" id=\"_fee703a6-3651-43c7-bf69-6691890a11b7\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1061 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w51d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95c y1056 w390 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95d y1056 w394 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95e y1056 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95f y1056 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1062 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x93a y1062 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x986 y1062 w530 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.658<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x987 y1062 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>148<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x988 y1062 w532 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x964 y1058 w536 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x989 y1058 w537 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98a y1058 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x98b y1058 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1063 w538 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-884<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98c y1063 w539 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>884<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98d y1063 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x98e y1063 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x98f y105a w53a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x990 y105a w523 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>49<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x991 y105a w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x992 y105a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x993 y1064 w53b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>804<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x994 y1064 w53c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>168<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1064 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x995 y1064 w53d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>972<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x996 y105c w53e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.795<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x822 y105c w417 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>199<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x997 y105c w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x998 y105c w53f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.002<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1065 w540 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.262<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x999 y1065 w541 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-242<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99a y1065 w49d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99b y1065 w542 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.514<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x978 y105e w52d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>437<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x979 y105e w543 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-93<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99c y105e w544 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-41<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99d y105e w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-572<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1066 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99e y1066 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1067 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x99f y1067 w546 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.901<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a0 y1067 w547 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.083<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a1 y1067 w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>165<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a2 y1067 w548 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.149<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x982 ye84 w549 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,28%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a3 ye84 w54a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,74%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a4 ye84 w54b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23,44%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a5 ye84 w501 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,96%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w54c h4e\" id=\"_7d85f0a0-662e-4ff2-b5c8-8ce976039784\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1077 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y104f w54d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ubenyttet kreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y104f w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y104f w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y104f w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y104f w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1078 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x9a6 y1078 w54e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.833<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a7 y1078 w303 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>282<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a8 y1078 w54f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a9 y1078 w550 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _1\"></span>114<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x9aa y1031 w551 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ab y1031 w552 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-67<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ac y1031 w52f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ad y1031 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x9ae y103c w52b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9af y103c w553 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b0 y103c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9b1 y103c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y1033 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b2 y1033 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b3 y1033 w3c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b4 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x9b5 y103d w554 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b6 y103d w3b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b7 y103d w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9b8 y103d w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>228<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9b9 y1035 w539 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>488<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ba y1035 w469 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86c y1035 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9bb y1035 wa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>498<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9bc y103e w4db h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-483<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9bd y103e w555 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9be y103e w46f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9bf y103e w556 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-517<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x9c0 y1037 w19a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-163<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9c1 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9c2 y1037 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9c3 y1037 w557 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>164<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y103f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x9c4 ye84 w558 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.894<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x955 ye84 w516 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>269<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c5 ye84 w559 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c6 ye84 w55a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w505 h4f\" id=\"_45a0306e-e172-4994-a5a5-8bfe513f95a6\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1079 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y104a w54d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ubenyttet kreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y104a w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y104a w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y104a w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y104a w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y107a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x9c7 y107a w3e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.894<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a7 y107a w3fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>269<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c8 y107a w559 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c9 y107a w55b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x9ca y1031 w42e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cb y1031 w55c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cc y1031 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9cd y1031 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x9ce y1032 w55d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cf y1032 w495 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d0 y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d1 y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x9d2 y1033 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d3 y1033 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d4 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x947 y1033 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x9b5 y1034 w55e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>268<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d5 y1034 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d6 y1034 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d7 y1034 w2ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>269<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9d8 y1035 w55f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d9 y1035 w560 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9da y1035 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x872 y1035 w561 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>484<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9db y1036 w562 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9dc y1036 w4dc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9dd y1036 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9de y1036 w563 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-507<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x9df y1037 w564 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-130<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e0 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e1 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e2 y1037 w52a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-130<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8be y1038 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8bf y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x9c4 ye84 w565 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.998<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e3 ye84 w566 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>276<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e4 ye84 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e5 ye84 w567 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.202<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w568 h50\" id=\"_420d9ab2-98ea-4f34-825d-fb16dc47506c\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y107b ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y107c w569 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Periodens tap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e7 y107c w56a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e8 y107c w56b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w56c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Endring i nedskrivning T<span class=\"_ _1\"></span>rinn 1 &amp; 2</div></td><td class=\"c n x9e9 y1032 w132 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ea y1032 w4f3 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w56d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Endring i nedskrivning T<span class=\"_ _1\"></span>rinn 3</div></td><td class=\"c n x90a y1046 w43d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>18<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9eb y1046 w3f2 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w56e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Effekt skj\u00f8nnsmessig nedskrivning</div></td><td class=\"c n x9ec y1034 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9ed y1034 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w56f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Konstaterte tap med tidligere nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ee y1035 w570 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ef y1035 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w571 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Konstaterte tap uten tidligere nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f0 y1036 w572 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9f1 y1036 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w573 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Inngang p\u00e5 tidligere konstaterte nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f2 y1037 w574 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws5\">-1<span class=\"_ _3\"></span><span class=\"_ gs33c\"> </span><span class=\"_ _ad\"> </span></div></td><td class=\"c n x7f6 y1037 w4e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w575 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre korr<span class=\"_ _0\"></span>eksjoner / amortisering av nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f3 y1038 w576 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9f4 y1038 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w577 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum tap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f5 ye84 w578 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9f6 ye84 w579 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33e\"> </span>5<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5bb\">Etter gitte instrukser blir misligholdte l\u00e5n/ kreditter og ov<span class=\"_ _0\"></span>ertrukne konti overf\u00f8rt til Kredinor AS (inkasso). Pr 31.<span class=\"_ _1\"></span>12.2025 utgjorde konstaterte </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5bc\">tap, som banken f<span class=\"_ _0\"></span>ortsatt har juridisk rett p\u00e5, 8,8 mill. kroner<span class=\"_ _1\"></span>. </div><table class=\"s w57a h51\" id=\"_4f736cb5-7c68-42d4-b4d8-301f5b01e047\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y107d ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y107e w57b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdte engasjement<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e7 y107e w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e8 y107e w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y107f w57c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto misligholdte engasjement over 90 dager</div></td><td class=\"c n x9f7 y107f w57d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>112</div></td><td class=\"c n x9f8 y107f w43d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1080 w57e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3 nedskriving<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f9 y1080 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fa y1080 w57f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>15<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1081 w580 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto misligholdte engasjement</div></td><td class=\"c n x9fb y1081 w95 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>101</div></td><td class=\"c n x9fc y1081 w581 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>66<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1082 w582 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avsetningsgrad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fd y1082 w583 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9,8<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x539 y1082 w584 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">18,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1083 w585 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Brutto misligholdte engasjement i % av brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fe y1083 w586 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,4<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ff y1083 w587 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1084 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige tapsutsatte engasjement:<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1085 w588 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrig tapsutsatte engasjement</div></td><td class=\"c n xa00 y1085 w589 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>173</div></td><td class=\"c n xa01 y1085 w2bb h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>145<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1086 w57e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3 nedskriving<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa02 y1086 w58a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa03 y1086 w58b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>33<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1087 w58c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto tapsutsatte engasjement</div></td><td class=\"c n xa04 y1087 w58d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>217</div></td><td class=\"c n xa05 y1087 w58e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>159<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1088 w582 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avsetningsgrad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa06 y1088 w58f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15,<span class=\"_ _1\"></span>1<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa07 y1088 w590 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22,8<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w591 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrig tapsutsatte engasjement i % av brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa08 ye84 w2b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,0<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa09 ye84 w25a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w592 h52\" id=\"_159b712e-4319-4e60-a1b7-a30fb3261066\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y1089 ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"c n xa0a yfa4 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa0b yfa4 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa0c yfa4 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y108a ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser *)<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y108b w593 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser</div></td><td class=\"c n xa0d y108b w3ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>794</div></td><td class=\"c n xa0e y108b w42 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>126</div></td><td class=\"c n xa0f y108b w594 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>920<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w595 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser</div></td><td class=\"c n xa10 ye84 w2ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>794</div></td><td class=\"c n xa11 ye84 w596 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>126</div></td><td class=\"c n xa12 ye84 w597 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>920<span class=\"_ _2cc\"> </span></div></td></tr></table>) T<span class=\"_ _1\"></span>abellen viser l\u00e5n hvor det er innvilget betalingslettelse for \u00e5 avhjelpe finansielle pr<span class=\"_ _0\"></span>oblemer hos kunden (blir etter IFRS 9 klassifisert enten i trinn 2 eller trinn 3). L\u00e5n som har en vesentlig \u00f8kt kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinnregning, skal klassifiseres i trinn 2, mens kredittf<span class=\"_ _0\"></span>orringede l\u00e5n skal klassifiseres i trinn 3.  I de tilfeller hvor engasjementene antas \u00e5 ha underliggende v<span class=\"_ _0\"></span>erdier i pantet, bekreftet av takst eller ver<span class=\"_ _0\"></span>divurdering fra eksterne kilder<span class=\"_ _1\"></span>, som overstiger engasjementets st\u00f8rr<span class=\"_ _0\"></span>else er det ikke gjort tapsavsetninger<span class=\"_ _1\"></span>.   <span class=\"_ _d8\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-689": {
   "value": "Note 10 \u2013 T<span class=\"_ _141\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span>Morbank og konsern<span class=\"_ _2cc\"> </span>Alle bel\u00f8p er like f<span class=\"_ _0\"></span>or morbank og konsern bortsett fra en konsolidering fra en datter f<span class=\"_ _0\"></span>or brutto og netto utl\u00e5n, se note 5. Bel\u00f8p i mnok. Utl\u00e5n til privatmarkedet er vurdert til virk<span class=\"_ _0\"></span>elig verdi o<span class=\"_ _0\"></span>ver utvidet resultat. T<span class=\"_ _141\"></span>apsvurdering etter IFRS 9 inng\u00e5r som en del av grunnlaget f<span class=\"_ _0\"></span>or virkelig ver<span class=\"_ _0\"></span>divurdering<table class=\"s w428 h41\" id=\"_7637c4f2-facb-416e-a271-04a864b007b0\"><tr><td></td><td></td><td></td><td class=\"t m0 x799 hb y101f ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x79a hb y1020 ff2 fs7 fc3 sc0 ls0 ws0\">Netto konsta-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x79b hb y1021 ff2 fs7 fc3 sc0 ls0 ws0\">Endring avset-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x79c hb y1021 ff2 fs7 fc3 sc0 ls0 ws0\">tert/innbetalt tid-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1022 w429 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x79d y1022 w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024</div></td><td class=\"t m0 x79e hb y1023 ff2 fs7 fc3 sc0 ls0 ws0\">ning for tap<span class=\"_ _2cc\"> </span></td><td class=\"c n x79f y1022 w42b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ligere konstatert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7a0 y1022 w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1024 w42d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap etter amortisert kost - bedriftsmark<span class=\"_ _0\"></span>edet</div></td><td class=\"c n x7a1 y1024 w161 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a2 y1024 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>32<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a3 y1024 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7a4 y1024 w430 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1025 w431 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di over utvidet resultat (OCI) - Privatmark<span class=\"_ _0\"></span>ed</div></td><td class=\"c n x7a5 y1025 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7a6 y1025 w432 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7a7 y1025 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7a8 y1025 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1026 w433 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsvis gruppevis tapsav<span class=\"_ _0\"></span>setning</div></td><td class=\"c n x7a9 y1026 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7aa y1026 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ab y1026 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ac y1026 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w435 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum avsetning til tap p\u00e5 utl\u00e5n og garantier</div></td><td class=\"c n x7ad ye84 w436 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ae ye84 w437 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7af ye84 w438 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(0)</div></td><td class=\"c n x7b0 ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w428 h42\" id=\"_dfc1a152-d67e-4df7-9001-085d86d670b3\"><tr><td></td><td></td><td></td><td class=\"t m0 x799 hb y1027 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x79a hb y1028 ff2 fs7 fc3 sc0 ls0 ws0\">Netto konsta-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 x79b hb y1029 ff2 fs7 fc3 sc0 ls0 ws0\">Endring avset-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x79c hb y1029 ff2 fs7 fc3 sc0 ls0 ws0\">tert/innbetalt tid-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1022 w429 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>ap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7b1 y1022 w439 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2025</div></td><td class=\"t m0 x79e hb y102a ff2 fs7 fc3 sc0 ls0 ws0\">ning for tap<span class=\"_ _2cc\"> </span></td><td class=\"c n x79f y1022 w42b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ligere konstatert<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x7b2 y1022 w43a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102b w42d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap etter amortisert kost - bedriftsmark<span class=\"_ _0\"></span>edet</div></td><td class=\"c n x7b3 y102b w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7b4 y102b w43b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7b5 y102b w43b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td></td><td class=\"c n x7b6 y102b w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>114<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1025 w431 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di over utvidet resultat (OCI) - Privatmark<span class=\"_ _0\"></span>ed</div></td><td class=\"c n x7a5 y1025 w42e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7b7 y1025 w43c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7b8 y1025 w42f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td></td><td class=\"c n x7b9 y1025 w43d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>18<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1026 w433 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsvis gruppevis tapsav<span class=\"_ _0\"></span>setning</div></td><td class=\"c n x7a9 y1026 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7aa y1026 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7ab y1026 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x7ac y1026 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w435 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum avsetning til tap p\u00e5 utl\u00e5n og garantier</div></td><td class=\"c n x7ba ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td><td></td><td class=\"c n x7b4 ye84 w43e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(5)</div></td><td class=\"c n x7bb ye84 w438 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(0)</div></td><td class=\"c n x7bc ye84 w43f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>144<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs56b\">Bankens BM og PM av<span class=\"_ _0\"></span>delinger har i l\u00f8pet av de siste kvartale-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs56c\">ne gjennomf\u00f8rt engasjementsgjennomgang med vurdering av </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs56d\">kredittrisikoen som f\u00f8lge a<span class=\"_ _0\"></span>v dagens markedssituasjon. Vi har </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs56e\">over tid observert h\u00f8y prisvek<span class=\"_ _0\"></span>st i Norge, men den har avtatt </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs56f\">de siste \u00e5rene. Inflasjonen er over f<span class=\"_ _0\"></span>ortsatt over m\u00e5let og, pris-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs570\">veksten m\u00e5 videre ned f<span class=\"_ _0\"></span>or \u00e5 n\u00e5 inflasjonsm\u00e5let. Norges Bank </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs571\">vurderer det dithen at det renteutsiktene er lite endr<span class=\"_ _0\"></span>et siden </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs572\">september<span class=\"_ _1\"></span>, og forventningen er at styringsrenten settes ned </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs573\">1-2 ganger i l\u00f8pet a<span class=\"_ _0\"></span>v 2026..  P\u00e5 bakgrunn av dette besluttet </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs574\">Norges Bank i rentem\u00f8tet 17<span class=\"_ _141\"></span>. desember \u00e5 beholde styrings-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs575\">renten uendret p\u00e5 4,0 prosent. Prognosene er usikr<span class=\"_ _0\"></span>e, men </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs576\">signalene fra Norges Bank tilsier at styringsrenten skal gradvis </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs577\">nedtrappes til om lag 3 prosent i 2028.   </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs578\">T<span class=\"_ _1\"></span>otale tapskostnader i kvartalet bel\u00f8per seg til -6 (Inntekts-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs579\">f\u00f8ring) mill. kroner<span class=\"_ _1\"></span>. T<span class=\"_ _1\"></span>otale tapskostnader i 2025 bel\u00f8per seg </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs57a\">derfor til -4,5 (<span class=\"_ _3\"></span>inntektsf\u00f8ring) mill. kroner<span class=\"_ _1\"></span>.  </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs57b\">V<span class=\"_ _0\"></span>ed innf\u00f8ring av L<span class=\"_ _1\"></span>GD v3 h\u00f8sten 2024 hadde banken en \u00f8kning </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs57c\">i tapskostnadene med ca 16 mill. kroner<span class=\"_ _1\"></span>. Det er i 4. kvartal 2025 </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs57d\">gjort kalibrering av L<span class=\"_ _1\"></span>GD-modellen, som gir reduserte tapskost-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs57e\">nader p\u00e5 om lag 17 mill. kroner<span class=\"_ _1\"></span>.  </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs57f\">Det er i fjerde kvartal gjort individuelle nedskrivninger p\u00e5 en-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs580\">keltengasjement p\u00e5 0,<span class=\"_ _0\"></span>4 mill. kroner og det er konstaterte tap </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs581\">p\u00e5 totalt 0,2 mill. kr<span class=\"_ _1\"></span>, og netto effekter fra individuelt vurderte </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs582\">engasjementer i trinn 3k er derfor en inntektsf\u00f8ring p\u00e5 0,5 mill. </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs583\">kr<span class=\"_ _1\"></span>. i kvartalet<span class=\"_ _3\"></span>. I 2025 er det gjort individuelle nedskrivninger p\u00e5 </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs584\">enkeltengasjementer p\u00e5 2,3 mill. kr<span class=\"_ _1\"></span>. og det er konstaterte tap </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs585\">p\u00e5 totalt 0,7 mill. kroner<span class=\"_ _1\"></span>. T<span class=\"_ _1\"></span>otale effekter fra individuelt vurderte </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs586\">engasjementer i trinn 3k er i 2025 en kostnad p\u00e5 2,7 mill. kr<span class=\"_ _0\"></span>oner<span class=\"_ _1\"></span>. <span class=\"_ _1b7\"></span> </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs587\">Skj\u00f8nnsmessig tapsavsetning ble \u00f8kt fra 0 mill. kroner til 8 mill. </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs588\">kroner i 1.kvartal 2022 og videre til 10 mill. kroner i 4.kvartal </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs589\">2022 og 12,5 mill. kroner i 4. kvartal 2023 grunnet forventning </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs58a\">om at \u00f8kt usikkerhet og endret r<span class=\"_ _0\"></span>entebane vil sl\u00e5 inn i kreditt-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs58b\">modellene med forsink<span class=\"_ _0\"></span>else. Observert PD-niv\u00e5 har v\u00e6rt stabil i </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs58c\">2025, samt at observert PD for friske BM-engasjementer er om </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs58d\">lag uendret i 2025.  Det vil alts\u00e5 ta tid f\u00f8r vi ser effektene a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs58e\">fall i renter for bedriftene, og vi antar at kunder innen b<span class=\"_ _0\"></span>yggg/<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs58f\">anlegg og eiendomsutvikling vil v\u00e6re utsatt ogs\u00e5 fremov<span class=\"_ _0\"></span>er<span class=\"_ _1\"></span>. </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs590\">Bankens vurdering a<span class=\"_ _0\"></span>v skj\u00f8nnsmessig tilleggsavsetning er at </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs591\">den opprettholdes p\u00e5 12,5 mill. kroner i 4. kvartal 2025. </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs592\">T<span class=\"_ _1\"></span>abellene under avstemmer inng\u00e5ende og utg\u00e5ende balanse </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs593\">per trinn.  </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs594\">Avstemmingsposter inkluder<span class=\"_ _0\"></span>er: </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs595\">- Bevegelser mellom trinn, IB f<span class=\"_ _0\"></span>or l\u00e5n som er flyttet til trinnene.  </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs596\">- Nye ustedte l\u00e5n, som reflekterer tapsa<span class=\"_ _0\"></span>vsetningen for ny<span class=\"_ _0\"></span>e </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs597\">innregnede l\u00e5n, inkludert utl\u00e5n som tidligere er fraregnet som </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs598\">f\u00f8lge av endrede vilk\u00e5r<span class=\"_ _1\"></span>.   </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs599\">- Utl\u00e5n som er fraregnet reflekterer a<span class=\"_ _0\"></span>vsetning for utl\u00e5n som </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs59a\">er fraregnet i perioden uten at det er nedskrev<span class=\"_ _0\"></span>et som f\u00f8lge </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs59b\">av kredittap inkludert l\u00e5n som er fraregnet som f\u00f8lge a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs59c\">endringer i vilk\u00e5r  </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs59d\">- Ny m\u00e5ling av tap inkluderer eff<span class=\"_ _0\"></span>ekt av endringer i input eller </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs59e\">forutsetninger i modellen, delvis tilbakebetaling, opptr<span class=\"_ _0\"></span>ekk i </div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs59f\">eksisterende kreditt, og endringer i m\u00e5ling som f\u00f8lge av o<span class=\"_ _0\"></span>ver-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1c ff4 fs0 fc3 sc0 ls0 ws0 gs5a0\">f\u00f8ring mellom trinn.  </div><table class=\"s w440 h43\" id=\"_30eb1307-965b-468c-a933-539d04159765\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y102c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w441 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102d w400 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102d w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102d w442 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102d w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102e w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7c2 y102e w444 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>43<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c3 y102e w298 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>47<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c4 y102e w445 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7c5 y102e w436 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y102f ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7c6 y1030 w5e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7c7 y1030 w43c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7c8 y1030 w432 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7c9 y1030 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x7ca y1031 w448 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7cb y1031 w449 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7cc y1031 w44a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7cd y1031 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w44b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7ce y1032 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7cf y1032 w44c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)</div></td><td class=\"c n x7d0 y1032 w44d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d1 y1032 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7d2 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d3 y1033 we0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d4 y1033 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d5 y1033 w434 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w450 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d2 y1034 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d6 y1034 w42e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>32<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d7 y1034 w3e4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d8 y1034 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d9 y1035 w452 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(16)</div></td><td class=\"c n x7da y1035 w453 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n x7db y1035 w454 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(7)</div></td><td class=\"c n x7dc y1035 w455 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(38)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w456 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n som har blitt fraregnet</div></td><td class=\"c n x7dd y1036 w448 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7de y1036 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7df y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x7e0 y1036 w43c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(5)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x7e1 y1037 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e2 y1037 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e3 y1037 w459 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7e4 y1037 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w45a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x7e9 ye84 w366 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>44<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ea ye84 w45c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>60<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7eb ye84 w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>45<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ec ye84 w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w483 h46\" id=\"_6fb07b5d-f51a-44a1-a58f-0bb8972e6e4f\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1048 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x465 hb y1049 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til virkelig ver<span class=\"_ _0\"></span>di over </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y102e w474 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x812 y102e w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x813 y102e w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x814 y102e w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x815 y102e w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y104a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y104a w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x817 y104a w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83c y104a w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83d y104a w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y104b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1031 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1031 w3c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x771 y1031 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x83e y1031 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x83f y1031 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f4 y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x841 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x842 y1032 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y1033 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x843 y1033 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x845 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x826 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x827 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x847 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x848 y1035 w485 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x849 y1035 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84a y1035 w486 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84b y1035 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x84c y103e w488 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84d y103e w489 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84e y103e w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x84f y103e w47f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x850 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x851 y1037 w46c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x852 y1037 w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y104d w458 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y104d w398 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y104d w461 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x857 ye84 w48b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>7<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x858 ye84 w476 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>9<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x859 ye84 w477 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w45e h45\" id=\"_9bbceb94-3b30-4849-baac-1ed768c47b50\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1040 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x465 hb y1041 ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til virkelig ver<span class=\"_ _0\"></span>di over </td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1042 w474 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">utvidet resultat (PM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x812 y1042 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x813 y1042 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x814 y1042 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x815 y1042 w403 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1043 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y1043 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x817 y1043 w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x818 y1043 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x819 y1043 w477 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1044 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1045 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1045 w466 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81b y1045 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81c y1045 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81d y1045 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x81e y1032 w479 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x81f y1032 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x820 y1032 w47b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _0\"></span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fa y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x821 y1046 w47c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x822 y1046 w47d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2,2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x823 y1046 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x824 y1046 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x825 y1034 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x826 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x827 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x828 y1034 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1047 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x829 y1047 w185 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1,0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82a y1047 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82b y1047 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82c y1047 w434 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x82d y1036 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82e y1036 w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x82f y1036 w465 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x830 y1036 w47f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x832 y1037 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x833 y1037 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x834 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x839 ye84 w482 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83a ye84 w475 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x83b ye84 w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w45e h44\" id=\"_4e4ab1e2-835d-4543-a0fc-03f10a0df121\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1039 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w441 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102d w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102d w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102d w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102d w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7ed y103a w36a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>44<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7ee y103a w45f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>60<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x7d7 y103a w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>45<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x336 y103a w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>149<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y103b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7ef y1030 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f0 y1030 w460 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f1 y1030 w461 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f2 y1030 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x7f3 y1031 w462 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f4 y1031 we0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f5 y1031 w463 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f6 y1031 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w44b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y103c w464 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f8 y103c w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f9 y103c w3f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fa y103c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7fb y1033 w466 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fc y1033 w467 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fd y1033 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fe y1033 w468 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x7d2 y103d w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7ff y103d w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x800 y103d w469 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x801 y103d w46a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x802 y1035 w46b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x803 y1035 w14 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x804 y1035 w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x805 y1035 w46d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-46<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w456 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n som har blitt fraregnet</div></td><td class=\"c n x806 y103e w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x807 y103e w46f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x808 y103e w470 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x809 y103e w471 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-14<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80b y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80c y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80d y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w45a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w472 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>32<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x80f ye84 w1bc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>64<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x810 ye84 w473 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>48<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x811 ye84 w43f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>144<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w48c h43\" id=\"_78c824d7-219f-4c65-84ce-1f210cf0dd79\"><tr><td></td><td></td><td></td><td class=\"t m0 x85a hb y102c ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w48d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til amortisert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85b y102d w400 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85c y102d w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85d y102d w3da h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85e y102d w19d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y102e w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7c2 y102e w48e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>37<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x85f y102e w48f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x860 y102e w490 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x861 y102e w491 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>96<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x45a ha y102f ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x81a y1030 w3c4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x862 y1030 w492 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x863 y1030 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x864 y1030 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x865 y1031 w44a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x866 y1031 w449 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x867 y1031 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x868 y1031 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w44b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7ce y1032 w43b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7cf y1032 w492 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x869 y1032 w3c5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86a y1032 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7d2 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86b y1033 w3f2 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86c y1033 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x581 y1033 w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w450 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x86d y1034 w493 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x862 y1034 w52 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86e y1034 w494 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86f y1034 w495 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x802 y1035 w496 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(11)</div></td><td class=\"c n x870 y1035 w497 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(12)</div></td><td class=\"c n x871 y1035 w498 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(4)</div></td><td class=\"c n x872 y1035 w499 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(28)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x873 y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x874 y1036 w44a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n x875 y1036 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x876 y1036 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x7e1 y1037 w43b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e2 y1037 w42f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td><td class=\"c n x7e3 y1037 w459 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n x7e4 y1037 w457 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w45a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y1038 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y1038 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w4d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>39<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x877 ye84 w1be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>46<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x878 ye84 w48f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x879 ye84 w49a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w4ac h49\" id=\"_04992bdc-701b-44bf-b443-f7d170a66a13\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1051 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102e w4a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 ubenyttet/ garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y102e w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y102e w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y102e w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y102e w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1052 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y1052 w4aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8af y1052 w4ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8b0 y1052 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8b1 y1052 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1053 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1045 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x7c6 y1045 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b2 y1045 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b3 y1045 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8b4 y1045 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89b y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x89d y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8b5 y1046 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8b6 y1046 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d4 y1046 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b7 y1046 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x89e y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x898 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b8 y1034 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8b9 y1034 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1047 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a1 y1047 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x881 y1047 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1047 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ba y1047 w486 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a5 y1036 w4ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bb y1036 w4ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bc y1036 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8bd y1036 w4af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1054 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1054 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a9 y1054 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8aa y1054 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ab y1054 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8be y1038 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8bf y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w38 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x857 ye84 w4aa h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c0 ye84 w7a h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c1 ye84 w476 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w483 h48\" id=\"_b7205904-db6f-4d77-90e5-64fb47542d70\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y104e ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1042 w4a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 ubenyttet/ garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7be y1042 w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7bf y1042 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c0 y1042 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7c1 y1042 w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y104f w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x816 y104f w1da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x895 y104f w4a7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x896 y104f w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x897 y104f w4a8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>5<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1050 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1031 w446 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x825 y1031 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x898 y1031 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x899 y1031 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89a y1031 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w447 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x840 y1032 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89b y1032 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x89d y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y1033 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x843 y1033 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x844 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x845 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x89e y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x846 y1034 w484 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86b y1034 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89f y1034 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8a0 y1034 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a1 y1035 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a2 y1035 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a3 y1035 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a4 y1035 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x89e y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8a5 y103e w4a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a6 y103e w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a7 y103e w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a8 y103e w465 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x831 y1037 w464 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8a9 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8aa y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ab y1037 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y103f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x838 ye84 w4aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ac ye84 w4ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ad ye84 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ae ye84 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w49b h44\" id=\"_be9162db-cad4-4264-bbb2-26803782c173\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1039 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y102d w48d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt balansef\u00f8rt tapsavsetning p\u00e5 utl\u00e5n til amortisert kost (BM)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85b y102d w400 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85c y102d w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85d y102d w3da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x85e y102d w19d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x7ed y103a w4d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>39<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x87a y103a w1be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>46<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x87b y103a w48f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x504 y103a w49c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y103b ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap<span class=\"_ _1be\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1030 w446 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) trinn 1</div></td><td class=\"c n x87c y1030 w468 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x87d y1030 w49d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x87e y1030 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x87f y1030 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w447 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x880 y1031 w46f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x881 y1031 w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x882 y1031 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x883 y1031 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w44b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overf\u00f8rt til (fra) T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x7f7 y103c w464 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7f8 y103c w478 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x884 y103c w3f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x885 y103c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x7fb y1033 w466 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7fc y1033 w467 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x886 y1033 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x887 y1033 w49e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x86d y103d w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x888 y103d w419 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x884 y103d w493 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x889 y103d w49f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>35<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x88a y1035 w4a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88b y1035 w4a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88c y1035 w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88d y1035 w4a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-34<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x88e y103e w4a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x88f y103e w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x890 y103e w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x891 y103e w48a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-9<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1037 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1037 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w45a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Skj\u00f8nnsmessig gruppevis tapsavsetning</div></td><td class=\"c n x7e5 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e6 y103f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e7 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x7e8 y103f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x80e ye84 w4a4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>28<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x892 ye84 w45d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>54<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x893 ye84 w4a5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>38<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x894 ye84 w49c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>120<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w4b0 h4a\" id=\"_c87c1a82-406f-45ce-97e9-1e578acc97f2\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1055 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w4b1 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c2 y1056 w4b2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c3 y1056 w391 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c4 y1056 w395 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c5 y1056 w4b3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1057 w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x8c6 y1057 w4b4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.469<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c7 y1057 w404 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.461<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c8 y1057 w4b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>125<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8c9 y1057 w4b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.055<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w2c0 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>567<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cb y1058 w4b8 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-555<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cc y1058 w144 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cd y1058 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1059 w4b9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1059 w4ba h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8cf y1059 w4bb h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>980<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d0 y1059 w144 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y1059 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8d1 y105a w4bd h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d2 y105a w4be h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d3 y105a w4bf h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>128<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d4 y105a w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105b w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x8d5 y105b w406 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.694<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d6 y105b w3ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d7 y105b w62 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d8 y105b w246 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.904<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8d9 y105c w4c0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.752<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8da y105c w3bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>280<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8db y105c w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>92<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8dc y105c w4c1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>125<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105d w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x8dd y105d w4c2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3.969<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8de y105d w32d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-501<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8df y105d w4bd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e0 y105d w4c3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4.499<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x8e1 y105e w4c4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.<span class=\"_ _0\"></span>721<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e2 y105e w4c5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e3 y105e w4a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e4 y105e w4c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.936<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105f w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x8e5 y105f w4c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0,<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e6 y105f w481 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x890 y105f w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8e7 y105f w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x8e8 y1060 w3d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8e9 y1060 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8ea y1060 w4c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8eb y1060 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ec ye84 w4ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>19%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ed ye84 w4cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,32%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ee ye84 w4cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15,90%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ef ye84 w4cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,59%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w4b0 h4b\" id=\"_5da67343-619e-490b-9cc0-72ad905c6095\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1061 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w4b1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n totalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c2 y1056 w4b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c3 y1056 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c4 y1056 w395 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8c5 y1056 w4b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1062 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x8c6 y1062 w4ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.799<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f0 y1062 w3bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.562<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f1 y1062 w4c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>285<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x8f2 y1062 w3bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>25.646<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>749<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f3 y1058 w4cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>742<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f4 y1058 w48a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f5 y1058 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8f6 y1063 w4d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.<span class=\"_ _1\"></span>130<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f7 y1063 w4d1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.132<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f8 y1063 w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f9 y1063 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8fa y105a w4d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fb y105a w4d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-61<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fc y105a w4d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>80<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d4 y105a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x8d5 y1064 w4d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.<span class=\"_ _0\"></span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fd y1064 w2b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>203<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8fe y1064 w47a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8ff y1064 w4d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.905<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y105c w4d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.308<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x901 y105c w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>264<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x902 y105c w4d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x903 y105c w4d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.586<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1065 w4da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4.423<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x905 y1065 w4db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-438<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x906 y1065 w4dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x907 y1065 w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4.918<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x908 y105e w4de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.054<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x909 y105e w4df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-211<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x90a y105e w4e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-90<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x90b y105e w4e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.355<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80b y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x80c y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8f5 y1066 w4e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1067 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x8e8 y1067 w4e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.928<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90c y1067 w4e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.709<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90d y1067 w4e5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x90e y1067 w3c3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.864<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8ec ye84 w4e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>14%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x90f ye84 w4e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,35%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x910 ye84 w4e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21,22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x911 ye84 w4e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,54%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w4ea h4c\" id=\"_9cb46a36-b8b9-49dc-936b-b1b97a0262bb\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1068 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1069 w4eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y1069 w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y1069 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y1069 w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y1069 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y106a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x916 y106a w4ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.517<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x917 y106a w4ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>973<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x918 y106a w4ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>58<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x919 y106a w4ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.548<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y1058 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>282<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91a y1058 w4f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-271<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91b y1058 w4a1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91c y1058 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x91d y1063 w4f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-387<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91e y1063 w1a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x91f y1063 w4f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x920 y1063 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x8fa y105a w4d2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-20<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x921 y105a w4f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-54<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x922 y105a w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x923 y105a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x924 y1064 w4f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.557<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x925 y1064 w4f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>108<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x926 y1064 w493 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x927 y1064 w4f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.672<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y105c w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.022<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7c3 y105c w3e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>99<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x928 y105c w4d8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>41<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x929 y105c w4fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>162<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x92a y1065 w397 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.675<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92b y1065 w139 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>188<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92c y1065 w471 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92d y1065 w4fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.877<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x92e y105e w4fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.954<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x92f y105e w4fd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-159<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x930 y105e w4f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x931 y105e w4fe h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.<span class=\"_ _1\"></span>121<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1066 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x837 y1066 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x932 y1060 w4ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x933 y1060 w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x934 y1060 w500 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x935 y1060 w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x936 ye84 w501 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,02%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x937 ye84 w502 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,<span class=\"_ _1\"></span>13%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x938 ye84 w503 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _0\"></span>,29%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x939 ye84 w504 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _1\"></span>18%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w505 h4d\" id=\"_df73d660-3b69-4a47-984a-da9b800b63e5\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y106b ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y106c w4eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n PM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y106c w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y106c w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y106c w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y106c w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y106d w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x93a y106d w4ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.342<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93b y106d w155 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>905<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93c y106d w3ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>137<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x93d y106d w3fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.384<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y106e w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x8ca y106e w506 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>303<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x93e y106e w507 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-297<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x93f y106e w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x940 y106e w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y106f w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x91d y106f w508 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x941 y106f w509 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>239<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x942 y106f w478 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x943 y106f w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1070 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y1070 w48a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x945 y1070 w144 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x946 y1070 w3de h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x947 y1070 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1071 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x948 y1071 w50a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.017<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x7d6 y1071 w3f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>58<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x949 y1071 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x52d y1071 w50b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.080<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1072 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x900 y1072 w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.208<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94a y1072 w50c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>61<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94b y1072 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94c y1072 w50d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.275<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1073 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1073 w50e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.878<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94d y1073 w50f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-196<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94e y1073 w46d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x94f y1073 w510 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3.<span class=\"_ _0\"></span>120<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1074 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x950 y1074 w511 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.718<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x951 y1074 w512 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-133<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x952 y1074 w513 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x953 y1074 w514 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.903<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1075 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y1075 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y1075 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1076 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x954 y1076 w515 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x955 y1076 w516 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>626<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x956 y1076 w517 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>61<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x957 y1076 w3fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.715<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x958 ye84 w518 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0,01%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x959 ye84 w519 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">1,06%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95a ye84 w51a h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">15,35%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95b ye84 w51b h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0,<span class=\"_ _0\"></span>13%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w51c h4a\" id=\"_e563511f-3c84-4cf5-a129-607edfbfeadd\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1055 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w51d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95c y1056 w390 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95d y1056 w394 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95e y1056 w402 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95f y1056 w3db h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1057 w443 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x960 y1057 w51e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x961 y1057 w294 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.488<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x962 y1057 w51f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>67<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x963 y1057 w520 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.507<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x964 y1058 w521 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>281<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x965 y1058 w332 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-281<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x966 y1058 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x967 y1058 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1059 w4b9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1059 wde h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-580<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x968 y1059 w522 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>584<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x969 y1059 w4af h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96a y1059 w461 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y105a w48a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96b y105a w523 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>49<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96c y105a w524 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96d y105a w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105b w44e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x948 y105b w525 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.292<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x96e y105b w3e4 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>99<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x882 y105b w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x96f y105b w237 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.391<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x970 y105c w526 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x971 y105c w527 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>181<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x972 y105c w494 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x973 y105c w528 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.880<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105d w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x974 y105d w529 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1.283<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x975 y105d w52a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-310<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x976 y105d w52b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-15<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x977 y105d w52c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1.608<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x978 y105e w52d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-847<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x979 y105e w4f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-54<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97a y105e w46c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97b y105e w52e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-905<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105f w458 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y105f w461 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97c y105f w52f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97d y105f w46e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x97e y105f w465 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1060 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x932 y1060 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x97f y1060 w530 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.658<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x980 y1060 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>148<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x981 y1060 w532 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x982 ye84 w533 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,36%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x983 ye84 w534 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,98%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x984 ye84 w289 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23,87%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x985 ye84 w501 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,96%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w535 h4b\" id=\"_fee703a6-3651-43c7-bf69-6691890a11b7\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1061 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1056 w51d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto utl\u00e5n BM<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95c y1056 w390 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95d y1056 w394 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95e y1056 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x95f y1056 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1062 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x93a y1062 w420 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>11.456<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x986 y1062 w530 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.658<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x987 y1062 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>148<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x988 y1062 w532 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.262<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1058 w4b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x964 y1058 w536 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x989 y1058 w537 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98a y1058 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x98b y1058 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1063 w4b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x8ce y1063 w538 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-884<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98c y1063 w539 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>884<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x98d y1063 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x98e y1063 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y105a w4bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x98f y105a w53a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x990 y105a w523 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>49<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x991 y105a w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x992 y105a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1064 w44e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x993 y1064 w53b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>804<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x994 y1064 w53c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>168<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x89c y1064 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x995 y1064 w53d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>972<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105c w450 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x996 y105c w53e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.795<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x822 y105c w417 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>199<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x997 y105c w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x998 y105c w53f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.002<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1065 w451 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x904 y1065 w540 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.262<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x999 y1065 w541 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-242<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99a y1065 w49d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99b y1065 w542 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2.514<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y105e w480 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x978 y105e w52d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>437<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x979 y105e w543 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-93<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99c y105e w544 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-41<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99d y105e w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-572<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1066 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1066 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x836 y1066 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x99e y1066 w481 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1067 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x99f y1067 w546 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>10.901<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a0 y1067 w547 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.083<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a1 y1067 w426 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>165<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a2 y1067 w548 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.149<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w4c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap i % a<span class=\"_ _0\"></span>v brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x982 ye84 w549 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,28%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a3 ye84 w54a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2,74%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a4 ye84 w54b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23,44%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9a5 ye84 w501 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,96%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w54c h4e\" id=\"_7d85f0a0-662e-4ff2-b5c8-8ce976039784\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1077 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2024<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y104f w54d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ubenyttet kreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y104f w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y104f w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y104f w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y104f w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1078 w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x9a6 y1078 w54e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.833<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a7 y1078 w303 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>282<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a8 y1078 w54f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a9 y1078 w550 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _1\"></span>114<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x9aa y1031 w551 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ab y1031 w552 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-67<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ac y1031 w52f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ad y1031 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x9ae y103c w52b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9af y103c w553 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>51<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b0 y103c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9b1 y103c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x944 y1033 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b2 y1033 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b3 y1033 w3c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b4 y1033 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x9b5 y103d w554 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b6 y103d w3b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9b7 y103d w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9b8 y103d w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>228<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9b9 y1035 w539 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>488<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ba y1035 w469 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x86c y1035 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9bb y1035 wa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>498<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9bc y103e w4db h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-483<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9bd y103e w555 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>29<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9be y103e w46f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9bf y103e w556 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-517<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x9c0 y1037 w19a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-163<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9c1 y1037 w46e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9c2 y1037 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9c3 y1037 w557 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>164<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x853 y103f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x854 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x855 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x856 y103f w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x9c4 ye84 w558 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.894<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x955 ye84 w516 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>269<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c5 ye84 w559 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c6 ye84 w55a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w505 h4f\" id=\"_45a0306e-e172-4994-a5a5-8bfe513f95a6\"><tr><td></td><td></td><td></td><td class=\"t m0 x7bd hb y1079 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank/ konsern 2025<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y104a w54d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ubenyttet kreditter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x912 y104a w3d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x913 y104a w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x914 y104a w442 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x915 y104a w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y107a w443 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">IB 01.01.</div></td><td class=\"c n x9c7 y107a w3e3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.894<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9a7 y107a w3fc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>269<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c8 y107a w559 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-4<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9c9 y107a w55b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y1031 w4b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 1</div></td><td class=\"c n x9ca y1031 w42e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cb y1031 w55c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cc y1031 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9cd y1031 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w4b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 2</div></td><td class=\"c n x9ce y1032 w55d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9cf y1032 w495 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d0 y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d1 y1032 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w4bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avsetning til tap o<span class=\"_ _0\"></span>verf\u00f8rt til T<span class=\"_ _0\"></span>rinn 3</div></td><td class=\"c n x9d2 y1033 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d3 y1033 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d4 y1033 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x947 y1033 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w44e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Nye utstedte eller kj\u00f8pte finansielle eiendeler</div></td><td class=\"c n x9b5 y1034 w55e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>268<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d5 y1034 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d6 y1034 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9d7 y1034 w2ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>269<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w450 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8kning i trekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9d8 y1035 w55f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>441<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9d9 y1035 w560 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9da y1035 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x872 y1035 w561 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>484<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w451 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Reduksjon i tr<span class=\"_ _0\"></span>ekk p\u00e5 eksisterende l\u00e5n</div></td><td class=\"c n x9db y1036 w562 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _3\"></span>450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9dc y1036 w4dc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-56<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9dd y1036 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9de y1036 w563 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-507<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w480 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler som har blitt fraregnet</div></td><td class=\"c n x9df y1037 w564 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-130<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e0 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e1 y1037 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9e2 y1037 w52a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-130<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w458 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Endring som skyldes konstaterte nedskrivninger (konstaterte tap)</div></td><td class=\"c n x80a y1038 w461 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x835 y1038 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8be y1038 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x8bf y1038 w463 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w45b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">UB 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x9c4 ye84 w565 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.998<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e3 ye84 w566 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>276<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e4 ye84 w7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9e5 ye84 w567 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.202<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w568 h50\" id=\"_420d9ab2-98ea-4f34-825d-fb16dc47506c\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y107b ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y107c w569 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Periodens tap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e7 y107c w56a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e8 y107c w56b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1032 w56c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Endring i nedskrivning T<span class=\"_ _1\"></span>rinn 1 &amp; 2</div></td><td class=\"c n x9e9 y1032 w132 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ea y1032 w4f3 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1046 w56d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Endring i nedskrivning T<span class=\"_ _1\"></span>rinn 3</div></td><td class=\"c n x90a y1046 w43d h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>18<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9eb y1046 w3f2 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1034 w56e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Effekt skj\u00f8nnsmessig nedskrivning</div></td><td class=\"c n x9ec y1034 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x9ed y1034 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w56f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Konstaterte tap med tidligere nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ee y1035 w570 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9ef y1035 w44f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1036 w571 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Konstaterte tap uten tidligere nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f0 y1036 w572 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9f1 y1036 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w573 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Inngang p\u00e5 tidligere konstaterte nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f2 y1037 w574 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls5 ws5\">-1<span class=\"_ _3\"></span><span class=\"_ gs33c\"> </span><span class=\"_ _ad\"> </span></div></td><td class=\"c n x7f6 y1037 w4e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1038 w575 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre korr<span class=\"_ _0\"></span>eksjoner / amortisering av nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f3 y1038 w576 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x9f4 y1038 w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w577 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum tap p\u00e5 utl\u00e5n og garantier<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f5 ye84 w578 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x9f6 ye84 w579 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33e\"> </span>5<span class=\"_ _2cc\"> </span></div></td></tr></table>Etter gitte instrukser blir misligholdte l\u00e5n/ kreditter og ov<span class=\"_ _0\"></span>ertrukne konti overf\u00f8rt til Kredinor AS (inkasso). Pr 31.<span class=\"_ _1\"></span>12.2025 utgjorde konstaterte tap, som banken f<span class=\"_ _0\"></span>ortsatt har juridisk rett p\u00e5, 8,8 mill. kroner<span class=\"_ _1\"></span>.<table class=\"s w57a h51\" id=\"_4f736cb5-7c68-42d4-b4d8-301f5b01e047\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y107d ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y107e w57b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Misligholdte engasjement<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e7 y107e w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9e8 y107e w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y107f w57c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto misligholdte engasjement over 90 dager</div></td><td class=\"c n x9f7 y107f w57d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>112</div></td><td class=\"c n x9f8 y107f w43d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1080 w57e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3 nedskriving<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9f9 y1080 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fa y1080 w57f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>15<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1081 w580 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto misligholdte engasjement</div></td><td class=\"c n x9fb y1081 w95 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>101</div></td><td class=\"c n x9fc y1081 w581 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>66<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1082 w582 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avsetningsgrad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fd y1082 w583 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9,8<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x539 y1082 w584 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">18,7<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1083 w585 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Brutto misligholdte engasjement i % av brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9fe y1083 w586 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,4<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ff y1083 w587 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 ha y1084 ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige tapsutsatte engasjement:<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1085 w588 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8vrig tapsutsatte engasjement</div></td><td class=\"c n xa00 y1085 w589 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>173</div></td><td class=\"c n xa01 y1085 w2bb h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>145<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1086 w57e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>rinn 3 nedskriving<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa02 y1086 w58a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa03 y1086 w58b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212<span class=\"_ gs33c\"> </span>33<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1087 w58c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto tapsutsatte engasjement</div></td><td class=\"c n xa04 y1087 w58d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>217</div></td><td class=\"c n xa05 y1087 w58e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>159<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1088 w582 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avsetningsgrad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa06 y1088 w58f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15,<span class=\"_ _1\"></span>1<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa07 y1088 w590 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22,8<span class=\"_ gs33e\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w591 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrig tapsutsatte engasjement i % av brutto utl\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa08 ye84 w2b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,0<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa09 ye84 w25a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5<span class=\"_ gs33c\"> </span>%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w592 h52\" id=\"_159b712e-4319-4e60-a1b7-a30fb3261066\"><tr><td></td><td></td><td class=\"t m0 x9e6 hb y1089 ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"c n xa0a yfa4 w391 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>rinn 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa0b yfa4 w402 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Trinn 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa0c yfa4 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y108a ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser *)<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y108b w593 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser</div></td><td class=\"c n xa0d y108b w3ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>794</div></td><td class=\"c n xa0e y108b w42 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>126</div></td><td class=\"c n xa0f y108b w594 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>920<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w595 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n med betalingslettelser</div></td><td class=\"c n xa10 ye84 w2ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>794</div></td><td class=\"c n xa11 ye84 w596 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>126</div></td><td class=\"c n xa12 ye84 w597 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>920<span class=\"_ _2cc\"> </span></div></td></tr></table>*<span class=\"_ _2cc\"> </span>) T<span class=\"_ _1\"></span>abellen viser l\u00e5n hvor det er innvilget betalingslettelse for \u00e5 avhjelpe finansielle pr<span class=\"_ _0\"></span>oblemer hos kunden (blir etter IFRS 9 klassifisert enten i trinn 2 eller trinn 3). L\u00e5n som har en vesentlig \u00f8kt kredittrisik<span class=\"_ _0\"></span>o siden f\u00f8rstegangsinnregning, skal klassifiseres i trinn 2, mens kredittf<span class=\"_ _0\"></span>orringede l\u00e5n skal klassifiseres i trinn 3.  I de tilfeller hvor engasjementene antas \u00e5 ha underliggende v<span class=\"_ _0\"></span>erdier i pantet, bekreftet av takst eller ver<span class=\"_ _0\"></span>divurdering fra eksterne kilder<span class=\"_ _1\"></span>, som overstiger engasjementets st\u00f8rr<span class=\"_ _0\"></span>else er det ikke gjort tapsavsetninger<span class=\"_ _1\"></span>.   <span class=\"_ _d8\"> </span>Note 36 \u2013 Bundne midler<span class=\"_ _2cc\"> </span>MORBANK<span class=\"_ _2cc\"> </span>KONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Bundne midler<span class=\"_ _1f0\"> </span></span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span>Skattetrekk<span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>7<span class=\"_ gs33e\"> </span>Sum bundne midler<span class=\"_ gs33e\"> </span>11<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>10<span class=\"_ _2cc\"> <span class=\"_ _2cc\"> </span></span><div class=\"gs2bf\"><table class=\"s w9f7 h9f\" id=\"_62c17550-4929-443d-b108-7441babd8979\"><tr><td class=\"c n x114 y1285 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y1285 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1272 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1272 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1272 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y1272 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y1272 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x13e y1238 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1238 w9f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Bokf\u00f8rt klientansvar per 31.<span class=\"_ _1\"></span>12.</div></td><td></td><td class=\"c n x1377 y1238 w9f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(62)</div></td><td class=\"c n x1378 y1238 w9fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(46)</div></td></tr><tr><td class=\"c n x13e yfca w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c yfca w9fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Innest\u00e5ende klientmidler bank per 31.<span class=\"_ _1\"></span>12.</div></td><td></td><td class=\"c n x1379 yfca w6f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x137a yfca w39b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>69<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1239 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1239 w9fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Avsetning til tap p\u00e5 f<span class=\"_ _0\"></span>ordringer</div></td><td></td><td class=\"c n x137b y1239 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x137c y1239 w42f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(0)</div></td></tr><tr><td class=\"c n x10ae ye84 w61f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n x137d ye84 w9fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ _2ac\"> </span>Bokf\u00f8rte klientfordringer per 31.<span class=\"_ _1\"></span>12.</div></td><td></td><td class=\"c n x137e ye84 w9fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x137f ye84 w159 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table></div>Klientmidler  Datterselskapet Eiendomsmegleren Ringerik<span class=\"_ _0\"></span>e Hadeland AS oppbevarer klientmidler p\u00e5 egne bankk<span class=\"_ _0\"></span>onti og har klientansvar i forbindelse med eiendomsmeglingen. I k<span class=\"_ _0\"></span>onsernregnskapet fremk<span class=\"_ _0\"></span>ommer dette som en netto fordring knyttet til pr<span class=\"_ _0\"></span>ovisjon.<span class=\"ff5 fc2\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-636": {
   "value": "Note 11 \u2013 Maksimal kredittek<span class=\"_ _0\"></span>sponering, ikke hensyntatt pantstillelser<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>abellen nedenfor viser maksimal eksponering mot kredittrisik<span class=\"_ _0\"></span>o i balansen, inkludert derivater<span class=\"_ _0\"></span>. Eksponeringen er vist brutto f\u00f8r ev<span class=\"_ _0\"></span>entuelle pantstillelser og tillatte motregninger<table class=\"s w598 h53\" id=\"_9735aa9f-acce-4bac-8719-aaa475226633\"><tr><td class=\"c n xa14 y108c w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xa15 y108c w599 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Brutto eksponering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa16 y108c w2f4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa17 y108d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa18 y108d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa19 y108d w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa1a y108d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa1b y108d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 xa1c hb y108e ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Eiendeler<span class=\"_ _13c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xa1d y108f w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa1e y108f w59b h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Kontanter og fordringer p\u00e5 sentralbank<span class=\"_ _0\"></span>er<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa1f y108f w417 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa20 y108f w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa14 y1090 w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa21 y1090 w59d h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Utl\u00e5n til og fordringer p\u00e5 kredittinstitusjoner<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa22 y1090 w4f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa23 y1090 w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa24 y1091 w59f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.6<span class=\"_ _2cc\"> </span>46<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa25 y1091 w5a0 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26.864<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Brutto utl\u00e5n til og fordringer p\u00e5 kunder<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa26 y1091 w5a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26.864<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa27 y1091 w5a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.646<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa28 y1092 w5a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa29 y1092 w5a4 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Sertifikater og obligasjoner til virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2a y1092 w5a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2b y1092 w5a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa2c y1093 w5a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xa2d y1093 w5a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Derivater<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2e y1093 w36c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa2f y1093 w5a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa2c y1094 w5aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>63<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa30 y1094 w5ab h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span><span class=\"_ gs33c\"> </span>Andre eiendeler (note 31)<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa31 y1094 w3f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>85<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa32 y1094 w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1095 w5ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>29.682<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa33 y1095 w5ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30.760<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x660 y1095 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xa34 y1095 w5ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>30.<span class=\"_ _0\"></span>790<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa35 y1095 w5af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>29.715<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xa1c hb y1096 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Forpliktelser<span class=\"_ _39\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xa14 y1097 w5b0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>788<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa36 y1097 w5b1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa37 y1097 w5b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betingede forpliktelser (stilte garantier)</div></td><td class=\"c n xa38 y1097 w5b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>763<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa39 y1097 w3e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>743<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa17 y1098 w5b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>174<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3a y1098 w5b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.217<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3b y1098 w5b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ubenyttede kreditter</div></td><td class=\"c n xa3c y1098 w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3d y1098 w5b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>159<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y1099 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa3f y1099 w5b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa40 y1099 w5b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innvilgede l\u00e5netilsagn (ikke diskontert)</div></td><td class=\"c n xa41 y1099 w5ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa42 y1099 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa43 y109a w5bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.769<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa44 y109a w5bc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.<span class=\"_ _1\"></span>192<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa45 y109a w5bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle kredittforpliktelser</div></td><td class=\"c n xa46 y109a w40f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.<span class=\"_ _1\"></span>132<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa47 y109a w5be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.709<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n xa24 ye84 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.451<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa48 ye84 w5bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa49 ye84 w5c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum total kredittrisikoeksponering</div></td><td class=\"c n xa4a ye84 w5c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.922<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa4b ye84 w5c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.424<span class=\"_ gs33e\"> </span></div></td></tr></table>1) Netto utl\u00e5n til og fordringer p\u00e5 kunder m\u00e5lt til virk<span class=\"_ _0\"></span>elig verdi ov<span class=\"_ _0\"></span>er resultatet utgj\u00f8r kr 1.<span class=\"_ _1\"></span>198 mill. kr<span class=\"_ _0\"></span>. pr 31.desember 2025 (1.452 mill. kr<span class=\"_ _1\"></span>.) for morbank og konsern<span class=\"_ _2cc\"> </span><table class=\"s w5c3 h54\" id=\"_846897ab-928e-43e0-b790-ce6ea0e3f343\"><tr><td class=\"c n xa4d y109b w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xa4e y109b w5c4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls5 ws0\">Kredittrisikoeksponering knyttet til finansielle eiendeler fordelt p\u00e5 land<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa4f y109b w99 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa50 y109c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa51 y109c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa52 y109c w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa53 y109c w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa54 y109c w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xa55 hb y109d ff2 fs7 fc3 sc0 ls0 ws0\">Kreditteksponering knyttet til utl\u00e5n inkl. ubenyttede kreditter</td><td></td><td></td></tr><tr><td class=\"c n xa56 y109e w5c5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33.413<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa57 y109e w402 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>34.916<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa58 y109e w5c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Norge</div></td><td class=\"c n xa59 y109e w5c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>34.886<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa5a y109e w5c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33.386<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa5b y1026 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa5c y1026 w5c9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Utlandet</div></td><td></td><td class=\"c n xa5d y1026 w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa5e y1026 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.451<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa5f ye84 w5bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.952<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa60 ye84 w5ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt fordelt p\u00e5 geografiske omr\u00e5der</div></td><td class=\"c n xa61 ye84 w5c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>34.922<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa62 ye84 w5cb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>33.424<span class=\"_ gs33e\"> </span></div></td></tr></table>Det er kun posten utl\u00e5n som fordeles etter geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ _1\"></span>, ref<span class=\"_ _0\"></span>. note 8. Andre eiendeler er kun eksponert i Norge. For mer inf<span class=\"_ _0\"></span>orma-<span class=\"_ _2cc\"> </span>sjon av sikkerhetens ber<span class=\"_ _0\"></span>egning og estimater henvises leseren til note 3<span class=\"_ _2cc\"> </span>Sikkerheter pr<span class=\"_ _1\"></span>. sikkerhetsklasse<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>abellen under viser total verdi av sikk<span class=\"_ _0\"></span>erheter fordelt pr<span class=\"_ _141\"></span>. sikkerhetsklasse i bankens risikoklassifiseringssystem. Risik<span class=\"_ _0\"></span>oklasseinnde-<span class=\"_ _2cc\"> </span>ling skjer 'ved at det beregnes misligholdssannsynlighet f<span class=\"_ _0\"></span>or alle kunder i utl\u00e5nsportef\u00f8ljen basert p\u00e5 objektive data og scores p\u00e5 m\u00e5nedlig basis. Banken reduser<span class=\"_ _0\"></span>er kredittrisikoen ved \u00e5 ta sikk<span class=\"_ _0\"></span>erhet i pant, og den vanligste formen for sikk<span class=\"_ _0\"></span>erhet er pant i fast eien-<span class=\"_ _2cc\"> </span>dom, men det benyttes ogs\u00e5 andre typer sikkerheter<span class=\"_ _1\"></span>.  V<span class=\"_ _0\"></span>erdien av sikk<span class=\"_ _0\"></span>erheten er beregnet som omsetningsver<span class=\"_ _0\"></span>di p\u00e5 de respektive sikkerhetstypene. Omsentingsver<span class=\"_ _0\"></span>di for andre sikk<span class=\"_ _0\"></span>erheter enn eiendom er vanligvis satt som bokf\u00f8rt verdi i siste avlagte \u00e5r<span class=\"_ _0\"></span>sregn-<span class=\"_ _2cc\"> </span>skap. Sikkerhetsdekning er ber<span class=\"_ _0\"></span>egnet som verdi a<span class=\"_ _0\"></span>v sikkerheten delt p\u00e5 exposure at def<span class=\"_ _0\"></span>ault (EAD). V<span class=\"_ _0\"></span>erdiene er beregnet ut i fra et gjennomsnitt av sikkerhetsdekningsintervallene innenf<span class=\"_ _0\"></span>or hver klasse<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span><table class=\"s w5cc h55\" id=\"_024b3b76-66b3-4b24-b3fb-188c7db83a7c\"><tr><td class=\"c n x116 y1063 w5cd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank og konsern<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa63 y1063 w5ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Prosentvis snitt pr klasse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa64 y1063 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa65 y1063 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y103c w5cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa66 y103c w5d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">120%</div></td><td class=\"c n xa67 y103c w5d1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.872<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x8d8 y103c w5d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.902<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1033 w5d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa68 y1033 w5d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">110%</div></td><td class=\"c n xa69 y1033 w5d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.882<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa6a y1033 w379 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.732<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103d w5d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa6b y103d w5d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">90%</div></td><td class=\"c n xa6c y103d w5d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>176<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa6d y103d w5d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.399<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1035 w5da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa6e y1035 w5db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70%</div></td><td class=\"c n xa6f y1035 w5dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8.<span class=\"_ _0\"></span>169<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa70 y1035 w5dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.738<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103e w5de h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa71 y103e w4a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50%</div></td><td class=\"c n xa72 y103e w5b7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _0\"></span>165<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa73 y103e w5df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.819<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1037 w5e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa74 y1037 w5e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">30%</div></td><td class=\"c n xa75 y1037 w5e2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>427<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa76 y1037 w5e3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>552<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y103f w5e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sikkerhetsklasse 7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa77 y103f w5e5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10%</div></td><td class=\"c n xa78 y103f w5e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>453<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa79 y103f w5e7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>608<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w5e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum sikkerheter fra risikoklassifisering</div></td><td></td><td class=\"c n xa7a ye84 w5e9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.<span class=\"_ _0\"></span>143<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xa7b ye84 w5ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24.750<span class=\"_ gs33e\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExposureExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-741": {
   "value": "Morbank<span class=\"_ _2cc\"> </span>Brutto eksponering<span class=\"_ _2cc\"> </span>Konsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Eiendeler<span class=\"_ _13c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Kontanter og fordringer p\u00e5 sentralbank<span class=\"_ _0\"></span>er<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Utl\u00e5n til og fordringer p\u00e5 kredittinstitusjoner<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span>25.6<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker<span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span>Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner<span class=\"_ gs33c\"> </span>720<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>103<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-727": {
   "value": "Morbank<span class=\"_ _2cc\"> </span>Brutto eksponering<span class=\"_ _2cc\"> </span>Konsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Eiendeler<span class=\"_ _13c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Kontanter og fordringer p\u00e5 sentralbank<span class=\"_ _0\"></span>er<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Utl\u00e5n til og fordringer p\u00e5 kredittinstitusjoner<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span>25.6<span class=\"_ _2cc\"> </span>46<span class=\"_ gs33c\"> </span>26.864<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span><span class=\"_ gs33c\"> </span>Brutto utl\u00e5n til og fordringer p\u00e5 kunder<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>26.864<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>25.646<span class=\"_ gs33c\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker<span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-637": {
   "value": "Note 12 \u2013 Finansielle instrumenter og motregning<span class=\"_ _2cc\"> </span>I henhold til IFRS 7 skal det opplyses  om hvilke finan-<span class=\"_ _2cc\"> </span>sielle instrumenter banken anser \u00e5 oppfylle kra<span class=\"_ _0\"></span>vene til nettof\u00f8ring ihht. IAS 32.42, samt hvilke finansielle instrumenter man har inng\u00e5tt motregningsavtaler p\u00e5. Begge ihht. IFRS 7<span class=\"_ _141\"></span>.<span class=\"_ _1\"></span>13 A-F<span class=\"_ _1\"></span>. I den finansielle oppstillingen har banken ingen finansiel-<span class=\"_ _2cc\"> </span>le instrumenter som bokf\u00f8res netto. Sparebank 1 Ringerike Hadeland har a<span class=\"_ _0\"></span>vtaler som regule-<span class=\"_ _2cc\"> </span>rer motpartsrisiko og netting a<span class=\"_ _0\"></span>v derivater<span class=\"_ _1\"></span>. Mot kunder i person- og bedriftsmarkedet anv<span class=\"_ _0\"></span>endes rammeavtaler med krav om sikk<span class=\"_ _0\"></span>erhetsstillelse.  Mot finansielle institusjoner inng\u00e5r konsernets standar-<span class=\"_ _2cc\"> </span>diserte og hovedsaklig bilaterale ISD<span class=\"_ _0\"></span>A-a<span class=\"_ _0\"></span>vtaler<span class=\"_ _1\"></span>. Under ISDA har k<span class=\"_ _0\"></span>onsernet inng\u00e5tt tilleggsavtale om k<span class=\"_ _0\"></span>ontant sikkerhetsstillelse (CSA) mot institusjonelle motparter<span class=\"_ _1\"></span>.  Kunder i person- og bedriftsmarkedet som driv<span class=\"_ _0\"></span>er tradingvirksomhet henvises til Sparebank 1 SMN f<span class=\"_ _0\"></span>or ut\u00f8velse av virk<span class=\"_ _0\"></span>somheten. Eiendelene og forpliktelsene nedenf<span class=\"_ _0\"></span>or kan motregnes<span class=\"_ _2cc\"> </span>.  <table class=\"s w5eb h56\" id=\"_b5cb55b3-4b08-480a-93bd-e917be041c89\"><tr><td></td><td></td><td></td><td class=\"t m0 xa7c hb y109f ff2 fs7 fc3 sc0 ls0 ws0\">Netto finansi-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xa7d hb y10a0 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto finansielle </td><td></td><td class=\"t m0 xa7e hb y10a0 ff2 fs7 fc3 sc0 ls0 ws0\">elle eiendeler/<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa7f hb y10a0 ff2 fs7 fc3 sc0 ls0 ws0\">Avgitt/mottatt </td></tr><tr><td></td><td class=\"t m0 xa80 hb y10a1 ff2 fs7 fc3 sc0 ls0 ws0\">eiendeler/for-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 xa7c hb y10a1 ff2 fs7 fc3 sc0 ls0 ws0\">forpliktelser i </td><td class=\"t m0 xa81 hb y10a1 ff2 fs7 fc3 sc0 ls0 ws0\">kontantsikker-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x51f hb y10a2 ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></td><td class=\"c n xa82 y10a3 w5ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">pliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa83 y10a3 w5ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Nettof\u00f8rt<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 xa84 hb y10a2 ff2 fs7 fc3 sc0 ls0 ws0\">balansen<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa85 hb y10a2 ff2 fs7 fc3 sc0 ls0 ws0\">het<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 yf6a w5ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa86 yf6a w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">79<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa87 yf6a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa88 yf6a wb1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">79<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa89 yf6a w131 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w5ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8a ye84 w94 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221277<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8b ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8c ye84 w94 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221277<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8d ye84 w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w5eb h57\" id=\"_50ba0bce-d91d-4252-9c44-747842bcb591\"><tr><td></td><td></td><td></td><td class=\"t m0 xa7c hb y10a4 ff2 fs7 fc3 sc0 ls0 ws0\">Netto finansi-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 xa7d hb y10a5 ff2 fs7 fc3 sc0 ls0 ws0\">Brutto finansielle </td><td></td><td class=\"t m0 xa7e hb y10a5 ff2 fs7 fc3 sc0 ls0 ws0\">elle eiendeler/<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa7f hb y10a5 ff2 fs7 fc3 sc0 ls0 ws0\">Avgitt/mottatt </td></tr><tr><td></td><td class=\"t m0 xa80 hb y10a6 ff2 fs7 fc3 sc0 ls0 ws0\">eiendeler/for-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 xa7c hb y10a6 ff2 fs7 fc3 sc0 ls0 ws0\">forpliktelser i </td><td class=\"t m0 xa81 hb y10a6 ff2 fs7 fc3 sc0 ls0 ws0\">kontantsikker-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x51f hb y10a7 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"c n xa82 y10a8 w5ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">pliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa83 y10a8 w5ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Nettof\u00f8rt<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 xa84 hb y10a7 ff2 fs7 fc3 sc0 ls0 ws0\">balansen<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa85 hb y10a7 ff2 fs7 fc3 sc0 ls0 ws0\">het<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y10a9 w5ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa86 y10a9 w5f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">88<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8e y10a9 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8f y10a9 wae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">88<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa90 y10a9 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221220<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w5ef h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">Derivater som forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa91 ye84 w220 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221287<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa8b ye84 w75 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa92 ye84 w5f1 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221287<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xa93 ye84 w82 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-622": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs5e0\">Note 14 \u2013 Markedsrisik<span class=\"_ _0\"></span>o knyttet til renterisik<span class=\"_ _0\"></span>o<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e1\">Bankens renterisik<span class=\"_ _0\"></span>o beregnes ved \u00e5 benytte 6 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e2\">standardiserte rentesjokkscenarier som definert i EBAs </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e3\">retningslinje Annex III.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e4\">Renterisik<span class=\"_ _0\"></span>o er sannsynligheten for at endringer i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e5\">markedsrenten vil p\u00e5virk<span class=\"_ _0\"></span>e kontantstr\u00f8mmer eller </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e6\">virkelig ver<span class=\"_ _0\"></span>di av bank<span class=\"_ _0\"></span>ens finansielle instrumenter<span class=\"_ _1\"></span>. Styret </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e7\">har fastsatt rammer for bank<span class=\"_ _0\"></span>ens renteeksponering.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e8\">Det foretas l\u00f8pende o<span class=\"_ _0\"></span>verv\u00e5king og rapportering </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5e9\">av bank<span class=\"_ _0\"></span>ens renteeksponering. Banken benytter </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5ea\">instrumenter for \u00e5 sikre at ek<span class=\"_ _0\"></span>sponering er innenfor </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5eb\">fastsatte rammer<span class=\"_ _1\"></span>.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5ec\">Under presenteres bank<span class=\"_ _0\"></span>ens renterisiko v<span class=\"_ _0\"></span>ed et parallelt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5ed\">renteskift p\u00e5 2 prosentpoeng f<span class=\"_ _0\"></span>or hele rentekurven for </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5ee\">alle relevante balanseposter per 31.<span class=\"_ _141\"></span>12.25.  </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs5f0\">Negativt fortegn indiker<span class=\"_ _0\"></span>er at banken taper p\u00e5 en renteoppgang.<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w65a h63\" id=\"_603fbd12-9e76-49e8-aa25-f5a9c404b03a\"><tr><td></td><td class=\"t m0 xb9b hb y10d8 ff2 fs7 fc3 sc0 ls0 ws0\">Renterisik<span class=\"_ _0\"></span>o, 2 % \u00f8kning<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y10d9 w65b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Renterisik<span class=\"_ _0\"></span>o konsern<span class=\"ff4\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xb9c y10d9 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb9d y10d9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10da w65c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Obligasjoner og sertifikater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb9e y10da w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9ea y10da w137 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22128<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10db w65d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Fastrenteutl\u00e5n og -innskudd til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb9f y10db w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221251<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba0 y10db we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221266<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10dc w65f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater relatert til fastrenteutl\u00e5n og -innskudd til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba1 y10dc w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">54<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba2 y10dc w25 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">51<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10dd w660 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige utl\u00e5n og innskudd<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba3 y10dd w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba4 y10dd w29 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221211<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10de w661 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer (hensyntatt sikringsderivater)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x9be y10de w148 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba5 y10de w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10df w662 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba6 y10df w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba7 y10df w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w663 h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal renterisiko, eff<span class=\"_ _0\"></span>ekt p\u00e5 resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba8 ye84 w1ca h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">\u22126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba9 ye84 w419 h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">\u221219<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs5f2\"><table class=\"s w664 h65\" id=\"_bcad9b99-4737-45a5-904d-bc8f06efa442\"><tr><td></td><td class=\"t m0 xb9b hb y10e1 ff2 fs7 fc3 sc0 ls0 ws0\">Renterisik<span class=\"_ _0\"></span>o, 2 % \u00f8kning<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y10e2 w665 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Rentekurverisik<span class=\"_ _0\"></span>o konsern<span class=\"ff4\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xb9c y10e2 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb9d y10e2 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10e3 w666 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0-1 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbaa y10e3 w125 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbab y10e3 wc9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10e4 w667 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1-2 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbac y10e4 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8a8 y10e4 wc7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22122<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10e5 w668 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2-3 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbad y10e5 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbae y10e5 w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221216<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10e6 w669 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3-4 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbaf y10e6 w66a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb0 y10e6 we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22126<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10e7 w66b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4-5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb1 y10e7 we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbab y10e7 wa2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfcb w66c h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">&gt; 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb2 yfcb w66d h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb3 yfcb w46a h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w663 h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal renterisiko, eff<span class=\"_ _0\"></span>ekt p\u00e5 resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba8 ye84 w1ca h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">\u22126<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xba9 ye84 w419 h64\"><div class=\"t m0 x113 h1d y10e0 ff5 fs7 fc3 sc0 ls0 ws0\">\u221219</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-623": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs5f4\">Note 15 \u2013 Likviditetsrisiko<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5f5\">Likviditetsrisiko er risik<span class=\"_ _0\"></span>oen for at konsernet ikk<span class=\"_ _0\"></span>e kan </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5f6\">overholde sine betalingsf<span class=\"_ _0\"></span>orpliktelser n\u00e5r disse forfaller<span class=\"_ _1\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5f7\">eller erstatte innskudd n\u00e5r disse trekk<span class=\"_ _0\"></span>es ut, med den </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5f8\">konsekvens at k<span class=\"_ _0\"></span>onsernet misligholder forpliktelsene til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5f9\">\u00e5 innfri innskudd og gi l\u00e5n. Likviditetsrisiko blir styrt og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5fa\">m\u00e5lt ved hjelp av fler<span class=\"_ _0\"></span>e metoder<span class=\"_ _1\"></span>. Se for \u00f8vrig omtale </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5fb\">under note 6. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5fc\">T<span class=\"_ _141\"></span>abellen under viser bankens forventede fremtidige </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5fd\">kontantstr\u00f8mmer knyttet til f<span class=\"_ _0\"></span>orpliktelser<span class=\"_ _1\"></span>. I tabellen er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5fe\">det lagt til grunn nominelle verdier<span class=\"_ _141\"></span>, samt renteniv\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs5ff\">slik det foreligger per 31.<span class=\"_ _141\"></span>12.25. L\u00f8petid p\u00e5 innskudd til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs600\">fastrente er satt til utl\u00f8pet a<span class=\"_ _0\"></span>v fastrenteperioden. L\u00f8pe-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs601\">tid p\u00e5 \u00f8vrige innskudd er ansett \u00e5 v\u00e6re p\u00e5 for<span class=\"_ _0\"></span>esp\u00f8rsel </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs602\">noe som ogs\u00e5 medf\u00f8rer at fremtidige r<span class=\"_ _0\"></span>enteelementer </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs603\">ikke er lagt til. L\u00f8petid p\u00e5 derivater er satt til utgangen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs604\">av k<span class=\"_ _0\"></span>ontraktsperioden. Kontraktsmessig k<span class=\"_ _0\"></span>ontantstr\u00f8m </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs605\">p\u00e5 derivater er ikke balansef\u00f8rt. L\u00f8petid p\u00e5 ver<span class=\"_ _0\"></span>dipa-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs606\">pirgjeld og ansvarlig l\u00e5nekapital er satt til f\u00f8rste a<span class=\"_ _0\"></span>vtalte </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs607\">forfallstidspunkt. Sannsynligheten for at e<span class=\"_ _0\"></span>ventuelle </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs608\">call-muligheter blir benyttet er ikke hensyntatt. L\u00f8peti-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs609\">den p\u00e5 \u00f8vrige forpliktelser er satt til f<span class=\"_ _0\"></span>orfallstidspunktet. <span class=\"_ _141\"></span> </div><div class=\"gs60a\"><table class=\"s w66e h66\" id=\"_7f3e246e-78ab-4dff-b178-7330497e1f67\"><tr><td class=\"t m0 x465 hb y10e8 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _223\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xbb4 hb y10e9 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 xbb5 hb y10e9 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10ea w66f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Per 31.<span class=\"_ _1\"></span>12.2025 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb6 y10ea w670 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 f<span class=\"_ _0\"></span>oresp\u00f8rsel</div></td><td class=\"t m0 xbb4 hb y10eb ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xbb7 y10ea w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb8 y10ea w671 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb9 y10ea w672 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">o<span class=\"_ _0\"></span>ver 5 \u00e5r</div></td><td class=\"c n xbba y10ea w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m7 x465 ha y10ec ff4 fs7 fc3 sc0 ls0 ws0\">KONT<span class=\"_ _141\"></span>ANTSTR\u00d8MMER KNYTTET TIL FORPLIKTELSER<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10ed wd9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbbb y10ed w673 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ _1\"></span>.261<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbc y10ed w674 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.543<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbd y10ed w3b3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x496 y10ed w161 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbe y10ed w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbbf y10ed w675 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbc1 y10ee w677 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>200<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc2 y10ee w26f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>407<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc3 y10ee w678 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc4 y10ee w522 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>443<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x595 y10ee w679 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.649<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ef w67a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater</div></td><td class=\"c n xbc5 y10ef w449 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc6 y10ef w5e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc7 y10ef w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc8 y10ef w67b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>90<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc9 y10ef w67c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbca y10ef w67d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>142<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10f0 w67e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rte forpliktelser</div></td><td class=\"c n xbcb y10f0 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbcc y10f0 w67f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>47<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbcd y10f0 w3bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>208<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbce y10f0 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbcf y10f0 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbd0 y10f0 w5e3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>255<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10f1 w680 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xbd1 y10f1 w61d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xbd2 y10f1 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd3 y10f1 w49 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd4 y10f1 w681 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>52<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd5 y10f1 w682 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>472<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd6 y10f1 w683 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>543<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w56c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum kontantstr\u00f8m forpliktelser</div></td><td class=\"c n xbd7 ye84 w684 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ _1\"></span>.264<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd8 ye84 w685 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.805<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd9 ye84 w686 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.298<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbda ye84 w687 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.780<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbdb ye84 w139 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>932<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbdc ye84 w688 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>28.078<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs60b\"><table class=\"s w428 h66\" id=\"_6ee23906-7143-4839-adfb-5538f0e5e5e7\"><tr><td class=\"t m0 x465 hb y10f2 ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _229\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xbb4 hb y10f3 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 xbb5 hb y10f3 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10ea w66f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Per 31.<span class=\"_ _1\"></span>12.2025 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb6 y10ea w670 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 f<span class=\"_ _0\"></span>oresp\u00f8rsel</div></td><td class=\"t m0 xbb4 hb y10f4 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xbb7 y10ea w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb8 y10ea w671 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb9 y10ea w672 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">o<span class=\"_ _0\"></span>ver 5 \u00e5r</div></td><td class=\"c n xbba y10ea w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m7 x465 ha y10f5 ff4 fs7 fc3 sc0 ls0 ws0\">KONT<span class=\"_ _141\"></span>ANTSTR\u00d8MMER KNYTTET TIL FORPLIKTELSER<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbdd y10f6 w689 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ _1\"></span>.234<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbde y10f6 w68a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.543<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbdf y10f6 w3b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbe0 y10f6 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbe1 y10f6 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbe2 y10f6 w68b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.462<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbc1 y10ee w677 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>200<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc2 y10ee w26f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>407<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc3 y10ee w678 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc4 y10ee w522 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>443<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x595 y10ee w679 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.649<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ef w67a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater</div></td><td class=\"c n xbc5 y10ef w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc6 y10ef w5e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc7 y10ef w42e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc8 y10ef w67b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>90<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbc9 y10ef w67c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbca y10ef w67d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>142<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10f0 w67e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rte forpliktelser</div></td><td class=\"c n xbcb y10f0 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbe3 y10f0 w68c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>103<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbe4 y10f0 w68d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>213<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbce y10f0 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbcf y10f0 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x4d7 y10f0 w4a0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>317<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w680 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xbd1 y10f7 w61d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xbd2 y10f7 w476 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd3 y10f7 w49 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd4 y10f7 w681 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>52<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd5 y10f7 w682 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>472<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbd6 y10f7 w683 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>543<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w56c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum kontantstr\u00f8m forpliktelser</div></td><td class=\"c n xbe5 ye84 w68e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ _1\"></span>.237<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbe6 ye84 w558 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.861<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbe7 ye84 w68f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.302<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbe8 ye84 w514 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.780<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbe9 ye84 w139 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>932<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbea ye84 w690 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>28.<span class=\"_ _1\"></span>112<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs60c\"><table class=\"s w691 h66\" id=\"_98bf13db-bcf8-422c-b331-daf850e5f94f\"><tr><td class=\"t m0 x465 hb y10f8 ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _223\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xbb4 hb y10f9 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 xbb5 hb y10f9 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10ea w692 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Per 31.<span class=\"_ _1\"></span>12.2024 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbeb y10ea w693 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8rsel</div></td><td class=\"t m0 xbb4 hb y10fa ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xbb7 y10ea w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb8 y10ea w671 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbb9 y10ea w672 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">o<span class=\"_ _0\"></span>ver 5 \u00e5r</div></td><td class=\"c n xbba y10ea w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m7 x465 ha y10fb ff4 fs7 fc3 sc0 ls0 ws0\">KONT<span class=\"_ _141\"></span>ANTSTR\u00d8MMER KNYTTET TIL FORPLIKTELSER<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbec y10f6 w694 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19.573<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbed y10f6 w695 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>485<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbee y10f6 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbef y10f6 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf0 y10f6 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbf1 y10f6 w602 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbf2 y10ee w609 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>456<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf3 y10ee w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>295<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf4 y10ee w674 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.222<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf5 y10ee w29b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>147<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf6 y10ee w697 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.120<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ef w67a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Derivater</div></td><td class=\"c n xbf7 y10ef w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbf8 y10ef w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf9 y10ef w453 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n xbfa y10ef w698 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(38)</div></td><td class=\"c n xbfb y10ef w44a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(1)</div></td><td class=\"c n xbfc y10ef w699 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(55)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w67e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rte forpliktelser</div></td><td class=\"c n xbcb y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbfd y10fc w39e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>126<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbfe y10fc w69a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>117<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbff y10fc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc00 y10fc w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc01 y10fc w3ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>243<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w680 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xbd1 y10f7 w61d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xc02 y10f7 w69b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>14<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc03 y10f7 w490 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>42<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc04 y10f7 w69c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>193<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc05 y10f7 w69d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>421<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc06 y10f7 w69e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>670<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w56c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum kontantstr\u00f8m forpliktelser</div></td><td class=\"c n xc07 ye84 w69f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.573<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc08 ye84 w6a0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.081<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc09 ye84 w6a1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.406<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xbda ye84 w205 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.379<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc0a ye84 w3ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>567<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc0b ye84 w6a2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.006<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs60d\">86<span class=\"_ _2cc\"> </span></div>Konsern<span class=\"_ _229\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs4e9\"> </span>Under 3 3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span>Per 31.<span class=\"_ _1\"></span>12.2024 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>P\u00e5 foresp\u00f8rselm\u00e5neder<span class=\"_ _2cc\"> </span>der<span class=\"_ _2cc\"> </span>1 - 5 \u00e5r<span class=\"_ _2cc\"> </span>o<span class=\"_ _0\"></span>ver 5 \u00e5r<span class=\"_ _2cc\"> </span>T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span>KONT<span class=\"_ _141\"></span>ANTSTR\u00d8MMER KNYTTET TIL FORPLIKTELSER<span class=\"_ _2cc\"> </span>Innskudd fra og gjeld til kunder<span class=\"_ gs33c\"> </span>19.560<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>485<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>967<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span>Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>456<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>295<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4.222<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>147<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>5.120<span class=\"_ gs33c\"> </span>Derivater<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(15)<span class=\"_ gs33c\"> </span>(38)<span class=\"_ gs33c\"> </span>(1)<span class=\"_ gs33c\"> </span>(55)<span class=\"_ _2cc\"> </span>Annen gjeld og balansef\u00f8rte forpliktelser<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>126<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>117<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>46<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span>Ansvarlig l\u00e5nekapital<span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ gs33e\"> </span>14<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>42<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>193<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>421<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>670<span class=\"_ gs33e\"> </span>Sum kontantstr\u00f8m forpliktelser<span class=\"_ gs33e\"> </span>19.560<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>1.081<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>1.406<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>4.379<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>612<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.038<span class=\"_ _2cc\"> </span><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs60f\">Note 16 \u2013 Forfallsanalyse a<span class=\"_ _0\"></span>v eiendeler og forpliktelser<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w6aa h68\" id=\"_f81f061b-738e-4001-8e22-3cd7618c6b8a\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1101 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1101 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w6ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank per 31.<span class=\"_ _1\"></span>12.2025 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xc1f y1102 w693 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8rsel</div></td><td class=\"t m0 xc20 hb y1103 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1104 ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1105 w9e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker</div></td><td class=\"c n xc25 y1105 w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc26 y1105 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc27 y1105 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc28 y1105 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbe1 y1105 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc29 y1105 w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1106 wa1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xc2a y1106 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>720<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc2b y1106 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc2c y1106 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc2d y1106 w68c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>103<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc2e y1106 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc17 y1106 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1107 w6ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder</div></td><td class=\"c n xc2f y1107 w6af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.684<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc30 y1107 wfc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>72<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc31 y1107 w60f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>284<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc32 y1107 w6b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.353<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc33 y1107 w548 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.296<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc34 y1107 w6b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26.689<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond</div></td><td class=\"c n xc35 y1108 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc36 y1108 w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>169<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc37 y1108 w26b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>403<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc38 y1108 w4f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.267<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc39 y1108 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3a y1108 w5a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1109 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3c y1109 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3d y1109 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc3e y1109 w6b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>80<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc3f y1109 w492 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n xc40 y1109 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110a w6b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser</div></td><td class=\"c n xc41 y110a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc42 y110a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc43 y110a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc44 y110a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x818 y110a w6b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.367<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc45 y110a w6b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.367<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110b wba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser</div></td><td class=\"c n xbcb y110b w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110b w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110b w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110b w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc49 y110b w6b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>418<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc4a y110b w6b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>418<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper</div></td><td class=\"c n xc4b y110c w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4c y110c w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4d y110c w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4e y110c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4f y110c w43d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc50 y110c w6ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr</div></td><td class=\"c n xbcb y110d w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110d w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110d w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110d w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc51 y110d w414 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>106<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc52 y110d w414 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>106<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110e wca h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler</div></td><td class=\"c n xbcb y110e w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110e w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110e w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110e w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y110e w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc54 y110e w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y110f w6bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt</div></td><td class=\"c n xc55 y110f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc56 y110f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc57 y110f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc58 y110f w457 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n xc59 y110f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc5a y110f w459 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1110 wce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5b y1110 w136 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5c y1110 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5d y1110 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5e y1110 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5f y1110 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32</div></td><td class=\"c n xc60 y1110 w6bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xc61 y1111 w6bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.510<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc62 y1111 w6be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>260<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc63 y1111 w6bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>688<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc64 y1111 w6c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.801<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc65 y1111 w6c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.297<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc66 y1111 w6c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>32.556<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1112 ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _1e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner</div></td><td class=\"c n xc67 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc68 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc69 y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6a y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6b y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6c y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbbb y10f6 w673 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ _1\"></span>.261<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbc y10f6 w674 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.543<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbd y10f6 w3b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x496 y10f6 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbe y10f6 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbbf y10f6 w675 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6d y10ee w6c3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>156<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc6e y10ee w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>295<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc6f y10ee w6c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.<span class=\"_ _0\"></span>145<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc70 y10ee w6c5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>393<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc71 y10ee w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.989<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3c y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc72 y1114 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc73 y1114 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>67<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc74 y1114 w468 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc75 y1114 w40 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse</div></td><td class=\"c n xc76 y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc77 y10fc w67f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>47<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc78 y10fc w3bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>208<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc79 y10fc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7a y10fc w6c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(35)</div></td><td class=\"c n xc7b y10fc w2ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>220<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xc7c y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7d y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7e y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7f y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc80 y1115 w3ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc81 y1115 w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld</div></td><td class=\"c n xc82 ye84 w6c9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ _0\"></span>.261<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc83 ye84 w6ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.746<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc84 ye84 w6cb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.<span class=\"_ _0\"></span>150<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc1b ye84 w6cc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.249<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc85 ye84 w6cd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>770<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc86 ye84 w6ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>176<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs611\"><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs33f\"> </span></div>Utl\u00e5n og innskudd til fast rente er for<span class=\"_ _0\"></span>delt ut fra l\u00f8petiden p\u00e5 engasjementet. Innskudd til flytende rente er i sin helhet vurdert \u00e5 forfalle p\u00e5 foresp\u00f8rsel grunnet at kunden her st\u00e5r fritt til \u00e5 l\u00f8se ut engasjementet p\u00e5 et hv<span class=\"_ _0\"></span>ert \u00f8nskelig tidspunkt.<div class=\"gs616\"><table class=\"s w6cf h69\" id=\"_9bf6afac-ad6e-47b9-b9cb-c743f54545af\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1116 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1116 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w6d0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern per 31.<span class=\"_ _1\"></span>12.2025 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xc87 y1102 w6d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8r<span class=\"_ _0\"></span>sel</div></td><td class=\"t m0 xc20 hb y1117 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1118 ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1119 w9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc88 y1119 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">102<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc89 y1119 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8a y1119 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8b y1119 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8c y1119 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8d y1119 w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">102<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111a wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8e y111a w54 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">720<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8f y111a w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc90 y111a w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc91 y111a w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc92 y111a w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc93 y111a wa3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1107 w6ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc94 y1107 w6d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.684<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc95 y1107 wb0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc96 y1107 w6d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">284<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc97 y1107 w6d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.353<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc98 y1107 w229 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.296<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc86 y1107 wa8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc99 y1108 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9a y1108 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9b y1108 w316 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">403<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9c y1108 w6d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.267<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9d y1108 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9e y1108 w6d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.839<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9f y1109 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca0 y1109 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca1 y1109 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x3bf y1109 w3a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">80<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca2 y1109 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca3 y1109 w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">79<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111b w6b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca4 y111b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca5 y111b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca6 y111b w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca7 y111b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca8 y111b w6d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca9 y111b wb6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.367<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y110b wba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcaa y110b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcab y110b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcac y110b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcad y110b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcae y110b wbc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">571<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcaf y110b w34c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">571<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb0 y110c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb1 y110c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb2 y110c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb3 y110c w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb4 y110c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8b9 y110c w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb5 y110d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb6 y110d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb7 y110d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb8 y110d w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb9 y110d w632 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcba y110d wc4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111c wca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc99 y111c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbb y111c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbc y111c w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbd y111c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbe y111c wb1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbf y111c w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111d w6bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc0 y111d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc1 y111d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc2 y111d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc3 y111d w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc4 y111d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc5 y111d w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1110 wce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5b y1110 w136 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc6 y1110 w6d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">48<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc7 y1110 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc8 y1110 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc9 y1110 w6b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcca y1110 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccb y1111 w342 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">3.510<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccc y1111 w6d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">290<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccd y1111 w6da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">688<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcce y1111 w6db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.802<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccf y1111 w671 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">23.454<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd0 y1111 w210 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">32.744<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y111e ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc67 y1120 w6dc h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd1 y1120 w6dd h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd2 y1120 w6de h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd3 y1120 w6dd h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd4 y1120 w6dd h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd5 y1113 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd6 y10f6 w6df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17234<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd7 y10f6 w6e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4543<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbe4 y10f6 w6e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">647<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd8 y10f6 w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc4 y10f6 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd9 y10f6 w6e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22462<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1121 w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc99 y1121 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcda y1121 w49 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">156<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdb y1121 w112 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">295<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdc y1121 w6e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3145<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdd y1121 w39b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">393<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcde y1121 w6e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3989<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9f y1114 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca0 y1114 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdf y1114 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce0 y1114 w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce1 y1114 w61 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce2 y1114 w6e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce3 y10fc w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce4 y10fc w104 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce5 y10fc w1ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">213<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce6 y10fc w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce7 y10fc w6e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce8 y10fc w6e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">281<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce9 y1115 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcea y1115 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc7 y1115 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc8 y1115 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xceb y1115 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcec y1115 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xced ye84 w6e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _1\"></span>.234<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcee ye84 w6e9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.802<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcef ye84 w6ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>155<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcf0 ye84 w6eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">3.249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcf1 ye84 w6ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">770</div></td><td class=\"c n xcf2 ye84 w6ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.210<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs617\">88<span class=\"_ _2cc\"> </span></div><div class=\"gs619\"><table class=\"s w6aa h69\" id=\"_14776bc0-9af8-4209-8959-ccee6d253163\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1122 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1122 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w6ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank per 31.<span class=\"_ _1\"></span>12.2024 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xcf3 y1102 w693 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8rsel</div></td><td class=\"t m0 xc20 hb y1123 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1124 ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1119 w9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker</div></td><td class=\"c n xcf4 y1119 w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcf5 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf6 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf7 y1119 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf8 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf9 y1119 w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111a wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xc2a y111a w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc46 y111a w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y111a w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y111a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y111a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcfa y111a w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1125 w6ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder</div></td><td class=\"c n xcfb y1125 w6ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfc y1125 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfd y1125 w6f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>177<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfe y1125 w6f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.835<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcff y1125 w6f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.260<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd00 y1125 w6f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.<span class=\"_ _0\"></span>451<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond</div></td><td class=\"c n xc35 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd01 y1108 w6f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd02 y1108 w6a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>298<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd03 y1108 w6f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.187<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd04 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd05 y1108 w5a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1109 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd06 y1109 w6f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd07 y1109 w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd08 y1109 w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd09 y1109 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0a y1109 w6f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111b w6b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser</div></td><td class=\"c n xc41 y111b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc42 y111b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc43 y111b w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc44 y111b w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd0b y111b w6f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.240<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0c y111b w6f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.240<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1126 wba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser</div></td><td class=\"c n xbcb y1126 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y1126 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y1126 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y1126 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc51 y1126 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x4f4 y1126 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper</div></td><td class=\"c n xc4b y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4c y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4d y110c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4e y110c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd0d y110c w40 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc75 y110c w40 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr</div></td><td class=\"c n xbcb y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110d w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110d w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd0e y110d w6fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0f y110d w6fb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111c wca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler</div></td><td class=\"c n xbcb y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y111c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc54 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y111d w6bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt</div></td><td class=\"c n xc55 y111d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc56 y111d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc57 y111d w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd10 y111d w6fc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span></div></td><td></td><td class=\"c n xd11 y111d w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1127 wce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler</div></td><td class=\"c n xd12 y1127 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd13 y1127 w6fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd14 y1127 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd15 y1127 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd16 y1127 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd17 y1127 w560 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>63<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xd18 y1111 w6fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8.<span class=\"_ _1\"></span>145<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd19 y1111 w170 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>499<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1a y1111 w27e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>484<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1b y1111 w6ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.092<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1c y1111 w700 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.<span class=\"_ _1\"></span>193<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1d y1111 w701 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>415<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1128 ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner</div></td><td class=\"c n xc67 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc68 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc69 y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6a y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6b y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6c y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbec y10f6 w694 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19.573<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbed y10f6 w695 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>485<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbee y10f6 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbef y10f6 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf0 y10f6 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbf1 y10f6 w602 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd1e y10ee w2fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>273<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd1f y10ee w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>166<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd20 y10ee w702 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.875<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd21 y10ee w703 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>147<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd22 y10ee w704 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.461<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd23 y1114 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd24 y1114 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd25 y1114 w705 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>74<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd26 y1114 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd27 y1114 w706 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse</div></td><td class=\"c n xc76 y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd28 y10fc w707 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd29 y10fc w1ff h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>117<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd2a y10fc w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf1 y10fc w708 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n xbfc y10fc w709 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>229<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xc7c y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7d y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7e y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7f y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc80 y1115 w3ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc81 y1115 w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld</div></td><td class=\"c n xd2b ye84 w69f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.573<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2c ye84 w70a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>885<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2d ye84 w528 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.257<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2e ye84 w70b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.951<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2f ye84 w32a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>540<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd30 ye84 w70c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.206<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs61a\">89<span class=\"_ _2cc\"> </span></div><div class=\"gs61c\"><table class=\"s w6aa h68\" id=\"_4dd15d8f-44d5-4fdb-9b2f-7cce489c4c5c\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1129 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1129 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w70d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern per 31.<span class=\"_ _1\"></span>12.2024 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xd31 y1102 w6d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8r<span class=\"_ _0\"></span>sel</div></td><td class=\"t m0 xc20 hb y112a ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y112b ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1119 w9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker</div></td><td class=\"c n xcf4 y1119 w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcf5 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf6 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf7 y1119 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf8 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf9 y1119 w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1106 wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xc2a y1106 w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc46 y1106 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y1106 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y1106 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y1106 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcfa y1106 w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1107 w6ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder</div></td><td class=\"c n xcfb y1107 w6ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfc y1107 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfd y1107 w6f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>177<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfe y1107 w6f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.835<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcff y1107 w6f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.260<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd00 y1107 w6f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.<span class=\"_ _0\"></span>451<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond</div></td><td class=\"c n xc35 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd01 y1108 w6f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd02 y1108 w6a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>298<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd03 y1108 w6f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.187<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd04 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd05 y1108 w70e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.918<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1109 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd06 y1109 w6f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd07 y1109 w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd08 y1109 w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd09 y1109 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0a y1109 w70f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110a w6b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser</div></td><td class=\"c n xc41 y110a w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc42 y110a w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc43 y110a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc44 y110a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd32 y110a w710 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.241<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa09 y110a w710 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.241<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110b wba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser</div></td><td class=\"c n xbcb y110b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110b w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110b w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd33 y110b w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd34 y110b w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper</div></td><td class=\"c n xc4b y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4c y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4d y110c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4e y110c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd35 y110c w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd36 y110c w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr</div></td><td class=\"c n xbcb y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110d w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110d w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd37 y110d w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd38 y110d w39b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111c wca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler</div></td><td class=\"c n xbcb y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y111c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3f y111c w551 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd39 y111c w551 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110f w6bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt</div></td><td class=\"c n xc55 y110f w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc56 y110f w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc57 y110f w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd10 y110f w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbcf y110f w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd3a y110f w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1110 wce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler</div></td><td class=\"c n xd12 y1110 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd3b y1110 w405 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd3c y1110 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd3d y1110 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd3e y1110 w47a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd3f y1110 w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xd18 y1111 w6fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8.<span class=\"_ _1\"></span>145<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd40 y1111 w712 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>532<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd41 y1111 w27e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>484<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd42 y1111 w6ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.092<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd43 y1111 w713 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.281<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd44 y1111 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.534<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y112c ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _1e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner</div></td><td class=\"c n xc67 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc68 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc69 y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6a y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6b y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6c y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xc10 y10f6 w6a3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19.560<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc11 y10f6 w695 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>485<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc12 y10f6 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc13 y10f6 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc14 y10f6 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc15 y10f6 w6a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd1e y10ee w2fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>273<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd1f y10ee w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>166<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd20 y10ee w702 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.875<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd21 y10ee w703 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>147<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd22 y10ee w704 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.461<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd23 y1114 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd24 y1114 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x520 y1114 w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd45 y1114 w467 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd46 y1114 w5a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse</div></td><td class=\"c n xc76 y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd47 y10fc w527 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>181<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd48 y10fc w714 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>123<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd49 y10fc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd4a y10fc w453 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n xd4b y10fc w6a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xc7c y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7d y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7e y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7f y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc80 y1115 w3ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc81 y1115 w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld</div></td><td class=\"c n xd4c ye84 w6a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.560<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd4d ye84 w715 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>939<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd4e ye84 w716 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.263<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd4f ye84 w70b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.951<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd50 ye84 w414 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>541<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd51 ye84 w717 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.253<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs61d\"><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs61e\">90</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-638": {
   "value": "<table class=\"s w6aa h68\" id=\"_f81f061b-738e-4001-8e22-3cd7618c6b8a\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1101 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1101 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w6ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank per 31.<span class=\"_ _1\"></span>12.2025 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xc1f y1102 w693 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8rsel</div></td><td class=\"t m0 xc20 hb y1103 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1104 ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1105 w9e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker</div></td><td class=\"c n xc25 y1105 w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc26 y1105 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc27 y1105 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc28 y1105 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbe1 y1105 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc29 y1105 w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>102<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1106 wa1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xc2a y1106 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>720<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc2b y1106 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc2c y1106 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc2d y1106 w68c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>103<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc2e y1106 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc17 y1106 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1107 w6ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder</div></td><td class=\"c n xc2f y1107 w6af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.684<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc30 y1107 wfc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>72<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc31 y1107 w60f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>284<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc32 y1107 w6b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.353<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc33 y1107 w548 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.296<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc34 y1107 w6b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26.689<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond</div></td><td class=\"c n xc35 y1108 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc36 y1108 w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>169<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc37 y1108 w26b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>403<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc38 y1108 w4f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.267<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc39 y1108 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3a y1108 w5a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1109 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3c y1109 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3d y1109 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc3e y1109 w6b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>80<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc3f y1109 w492 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n xc40 y1109 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110a w6b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser</div></td><td class=\"c n xc41 y110a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc42 y110a w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc43 y110a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc44 y110a w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x818 y110a w6b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.367<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc45 y110a w6b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.367<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110b wba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser</div></td><td class=\"c n xbcb y110b w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110b w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110b w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110b w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc49 y110b w6b7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>418<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc4a y110b w6b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>418<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper</div></td><td class=\"c n xc4b y110c w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4c y110c w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4d y110c w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4e y110c w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4f y110c w43d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc50 y110c w6ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>81<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr</div></td><td class=\"c n xbcb y110d w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110d w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110d w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110d w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc51 y110d w414 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>106<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc52 y110d w414 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>106<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110e wca h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler</div></td><td class=\"c n xbcb y110e w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110e w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110e w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110e w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y110e w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc54 y110e w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y110f w6bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt</div></td><td class=\"c n xc55 y110f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc56 y110f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc57 y110f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc58 y110f w457 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)</div></td><td class=\"c n xc59 y110f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc5a y110f w459 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(2)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1110 wce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5b y1110 w136 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5c y1110 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5d y1110 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5e y1110 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5f y1110 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32</div></td><td class=\"c n xc60 y1110 w6bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>55<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xc61 y1111 w6bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.510<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc62 y1111 w6be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>260<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc63 y1111 w6bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>688<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc64 y1111 w6c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.801<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc65 y1111 w6c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>23.297<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc66 y1111 w6c2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>32.556<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1112 ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _1e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner</div></td><td class=\"c n xc67 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc68 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc69 y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6a y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6b y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6c y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbbb y10f6 w673 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ _1\"></span>.261<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbc y10f6 w674 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.543<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbd y10f6 w3b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>647<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x496 y10f6 w161 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbbe y10f6 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbbf y10f6 w675 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6d y10ee w6c3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>156<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc6e y10ee w2b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>295<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc6f y10ee w6c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.<span class=\"_ _0\"></span>145<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc70 y10ee w6c5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>393<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc71 y10ee w410 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.989<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3c y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc72 y1114 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc73 y1114 w36c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>67<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc74 y1114 w468 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc75 y1114 w40 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse</div></td><td class=\"c n xc76 y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc77 y10fc w67f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>47<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc78 y10fc w3bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>208<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc79 y10fc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7a y10fc w6c7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(35)</div></td><td class=\"c n xc7b y10fc w2ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>220<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xc7c y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7d y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7e y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7f y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc80 y1115 w3ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc81 y1115 w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld</div></td><td class=\"c n xc82 ye84 w6c9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ _0\"></span>.261<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc83 ye84 w6ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.746<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc84 ye84 w6cb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.<span class=\"_ _0\"></span>150<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc1b ye84 w6cc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.249<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc85 ye84 w6cd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>770<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xc86 ye84 w6ce h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _0\"></span>.<span class=\"_ _1\"></span>176<span class=\"_ gs33e\"> </span></div></td></tr></table><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs613\">Utl\u00e5n og innskudd til fast rente er for<span class=\"_ _0\"></span>delt ut fra l\u00f8petiden p\u00e5 engasjementet. Innskudd til flytende rente er i sin helhet vurdert \u00e5 forfalle p\u00e5 </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs614\">foresp\u00f8rsel grunnet at kunden her st\u00e5r fritt til \u00e5 l\u00f8se ut engasjementet p\u00e5 et hv<span class=\"_ _0\"></span>ert \u00f8nskelig tidspunkt.  <span class=\"_ _d9\"> </span> <span class=\"_ _100\"> </span> <span class=\"_ _100\"> </span> </div><table class=\"s w6cf h69\" id=\"_9bf6afac-ad6e-47b9-b9cb-c743f54545af\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1116 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1116 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w6d0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern per 31.<span class=\"_ _1\"></span>12.2025 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xc87 y1102 w6d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8r<span class=\"_ _0\"></span>sel</div></td><td class=\"t m0 xc20 hb y1117 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1118 ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1119 w9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc88 y1119 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">102<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc89 y1119 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8a y1119 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8b y1119 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8c y1119 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8d y1119 w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">102<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111a wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8e y111a w54 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">720<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc8f y111a w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc90 y111a w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc91 y111a w104 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc92 y111a w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc93 y111a wa3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">822<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1107 w6ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc94 y1107 w6d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.684<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc95 y1107 wb0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc96 y1107 w6d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">284<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc97 y1107 w6d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.353<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc98 y1107 w229 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.296<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc86 y1107 wa8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">26.689<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc99 y1108 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9a y1108 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9b y1108 w316 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">403<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9c y1108 w6d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.267<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9d y1108 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9e y1108 w6d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.839<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9f y1109 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca0 y1109 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca1 y1109 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x3bf y1109 w3a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">80<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca2 y1109 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca3 y1109 w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">79<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111b w6b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca4 y111b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca5 y111b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca6 y111b w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca7 y111b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca8 y111b w6d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca9 y111b wb6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.367<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y110b wba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcaa y110b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcab y110b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcac y110b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcad y110b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcae y110b wbc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">571<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcaf y110b w34c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">571<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb0 y110c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb1 y110c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb2 y110c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb3 y110c w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb4 y110c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8b9 y110c w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb5 y110d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb6 y110d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb7 y110d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb8 y110d w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcb9 y110d w632 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcba y110d wc4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111c wca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc99 y111c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbb y111c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbc y111c w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbd y111c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbe y111c wb1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcbf y111c w39 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y111d w6bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc0 y111d w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc1 y111d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc2 y111d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc3 y111d w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc4 y111d w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc5 y111d w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1110 wce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5b y1110 w136 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc6 y1110 w6d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">48<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc7 y1110 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc8 y1110 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc9 y1110 w6b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcca y1110 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccb y1111 w342 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">3.510<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccc y1111 w6d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">290<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccd y1111 w6da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">688<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcce y1111 w6db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.802<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xccf y1111 w671 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">23.454<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd0 y1111 w210 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">32.744<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y111e ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc67 y1120 w6dc h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd1 y1120 w6dd h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd2 y1120 w6de h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd3 y1120 w6dd h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd4 y1120 w6dd h6a\"><div class=\"t m0 x113 ha y111f ff8 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd5 y1113 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd6 y10f6 w6df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17234<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd7 y10f6 w6e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4543<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xbe4 y10f6 w6e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">647<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd8 y10f6 w230 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">38<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc4 y10f6 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcd9 y10f6 w6e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22462<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1121 w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc99 y1121 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcda y1121 w49 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">156<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdb y1121 w112 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">295<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdc y1121 w6e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3145<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdd y1121 w39b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">393<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcde y1121 w6e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3989<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc9f y1114 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xca0 y1114 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcdf y1114 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce0 y1114 w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce1 y1114 w61 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce2 y1114 w6e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce3 y10fc w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce4 y10fc w104 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">103<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce5 y10fc w1ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">213<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce6 y10fc w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce7 y10fc w6e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce8 y10fc w6e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">281<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xce9 y1115 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcea y1115 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc7 y1115 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcc8 y1115 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xceb y1115 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcec y1115 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xced ye84 w6e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _1\"></span>.234<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcee ye84 w6e9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.802<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcef ye84 w6ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.<span class=\"_ _0\"></span>155<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcf0 ye84 w6eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">3.249<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xcf1 ye84 w6ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">770</div></td><td class=\"c n xcf2 ye84 w6ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.210<span class=\"_ gs33e\"> </span></div></td></tr></table>88<span class=\"_ _2cc\"> </span><table class=\"s w6aa h69\" id=\"_14776bc0-9af8-4209-8959-ccee6d253163\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1122 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1122 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w6ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank per 31.<span class=\"_ _1\"></span>12.2024 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xcf3 y1102 w693 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8rsel</div></td><td class=\"t m0 xc20 hb y1123 ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1124 ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1119 w9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker</div></td><td class=\"c n xcf4 y1119 w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcf5 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf6 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf7 y1119 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf8 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf9 y1119 w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111a wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xc2a y111a w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc46 y111a w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y111a w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y111a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y111a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcfa y111a w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1125 w6ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder</div></td><td class=\"c n xcfb y1125 w6ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfc y1125 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfd y1125 w6f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>177<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfe y1125 w6f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.835<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcff y1125 w6f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.260<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd00 y1125 w6f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.<span class=\"_ _0\"></span>451<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond</div></td><td class=\"c n xc35 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd01 y1108 w6f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd02 y1108 w6a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>298<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd03 y1108 w6f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.187<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd04 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd05 y1108 w5a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1109 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd06 y1109 w6f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd07 y1109 w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd08 y1109 w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd09 y1109 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0a y1109 w6f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111b w6b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser</div></td><td class=\"c n xc41 y111b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc42 y111b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc43 y111b w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc44 y111b w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd0b y111b w6f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.240<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0c y111b w6f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.240<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1126 wba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser</div></td><td class=\"c n xbcb y1126 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y1126 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y1126 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y1126 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc51 y1126 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x4f4 y1126 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper</div></td><td class=\"c n xc4b y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4c y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4d y110c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4e y110c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd0d y110c w40 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc75 y110c w40 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr</div></td><td class=\"c n xbcb y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110d w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110d w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd0e y110d w6fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0f y110d w6fb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111c wca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler</div></td><td class=\"c n xbcb y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y111c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc54 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y111d w6bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt</div></td><td class=\"c n xc55 y111d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc56 y111d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc57 y111d w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd10 y111d w6fc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _85\"> </span></div></td><td></td><td class=\"c n xd11 y111d w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1127 wce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler</div></td><td class=\"c n xd12 y1127 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd13 y1127 w6fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd14 y1127 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd15 y1127 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd16 y1127 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd17 y1127 w560 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>63<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xd18 y1111 w6fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8.<span class=\"_ _1\"></span>145<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd19 y1111 w170 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>499<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1a y1111 w27e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>484<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1b y1111 w6ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.092<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1c y1111 w700 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.<span class=\"_ _1\"></span>193<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd1d y1111 w701 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>415<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1128 ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner</div></td><td class=\"c n xc67 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc68 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc69 y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6a y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6b y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6c y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xbec y10f6 w694 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19.573<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbed y10f6 w695 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>485<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbee y10f6 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbef y10f6 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbf0 y10f6 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xbf1 y10f6 w602 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd1e y10ee w2fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>273<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd1f y10ee w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>166<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd20 y10ee w702 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.875<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd21 y10ee w703 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>147<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd22 y10ee w704 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.461<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd23 y1114 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd24 y1114 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd25 y1114 w705 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>74<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd26 y1114 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd27 y1114 w706 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse</div></td><td class=\"c n xc76 y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd28 y10fc w707 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd29 y10fc w1ff h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>117<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd2a y10fc w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf1 y10fc w708 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n xbfc y10fc w709 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>229<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xc7c y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7d y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7e y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7f y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc80 y1115 w3ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc81 y1115 w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld</div></td><td class=\"c n xd2b ye84 w69f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.573<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2c ye84 w70a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>885<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2d ye84 w528 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.257<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2e ye84 w70b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.951<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd2f ye84 w32a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>540<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd30 ye84 w70c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.206<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w6aa h68\" id=\"_4dd15d8f-44d5-4fdb-9b2f-7cce489c4c5c\"><tr><td></td><td></td><td class=\"t m0 xc1e hb y1129 ff2 fs7 fc3 sc0 ls0 ws0\">Under 3 </td><td class=\"t m0 x79b hb y1129 ff2 fs7 fc3 sc0 ls0 ws0\">3-12 m\u00e5ne-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1102 w70d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern per 31.<span class=\"_ _1\"></span>12.2024 <span class=\"ff4\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xd31 y1102 w6d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5 foresp\u00f8r<span class=\"_ _0\"></span>sel</div></td><td class=\"t m0 xc20 hb y112a ff2 fs7 fc3 sc0 ls0 ws0\">m\u00e5neder<span class=\"_ _2cc\"> </span></td><td class=\"c n xc21 y1102 w361 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc22 y1102 w6ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1 - 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc23 y1102 w6ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">over 5 \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc24 y1102 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y112b ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1119 w9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontanter og f<span class=\"_ _0\"></span>ordringer p\u00e5 sentralbanker</div></td><td class=\"c n xcf4 y1119 w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcf5 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf6 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf7 y1119 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf8 y1119 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcf9 y1119 w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1106 wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xc2a y1106 w3ab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc46 y1106 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y1106 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y1106 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc53 y1106 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xcfa y1106 w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1107 w6ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder</div></td><td class=\"c n xcfb y1107 w6ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.<span class=\"_ _0\"></span>127<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfc y1107 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfd y1107 w6f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>177<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcfe y1107 w6f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.835<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xcff y1107 w6f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.260<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd00 y1107 w6f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25.<span class=\"_ _0\"></span>451<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1108 w6b2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sertifikater<span class=\"_ _1\"></span>, obligasjoner og rentefond</div></td><td class=\"c n xc35 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd01 y1108 w6f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>433<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd02 y1108 w6a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>298<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd03 y1108 w6f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.187<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd04 y1108 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd05 y1108 w70e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.918<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1109 waf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1109 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd06 y1109 w6f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd07 y1109 w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd08 y1109 w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>62<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd09 y1109 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd0a y1109 w70f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110a w6b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjer<span class=\"_ _1\"></span>, andeler og andre egenkapitalinteresser</div></td><td class=\"c n xc41 y110a w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc42 y110a w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc43 y110a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc44 y110a w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd32 y110a w710 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.241<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa09 y110a w710 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.241<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110b wba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i eierinteresser</div></td><td class=\"c n xbcb y110b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110b w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110b w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110b w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd33 y110b w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd34 y110b w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110c w6b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Investering i konsernselskaper</div></td><td class=\"c n xc4b y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4c y110c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4d y110c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc4e y110c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd35 y110c w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd36 y110c w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110d wc2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendom, anlegg og utstyr</div></td><td class=\"c n xbcb y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y110d w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y110d w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y110d w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd37 y110d w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd38 y110d w39b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y111c wca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill og andre immaterielle eiendeler</div></td><td class=\"c n xbcb y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc46 y111c w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc47 y111c w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc48 y111c w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc3f y111c w551 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd39 y111c w551 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>68<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y110f w6bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendel ved utsatt skatt</div></td><td class=\"c n xc55 y110f w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc56 y110f w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc57 y110f w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd10 y110f w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xbcf y110f w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd3a y110f w487 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1110 wce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler</div></td><td class=\"c n xd12 y1110 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd3b y1110 w405 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd3c y1110 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd3d y1110 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd3e y1110 w47a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd3f y1110 w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1111 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xd18 y1111 w6fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8.<span class=\"_ _1\"></span>145<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd40 y1111 w712 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>532<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd41 y1111 w27e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>484<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd42 y1111 w6ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.092<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd43 y1111 w713 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.281<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd44 y1111 w424 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.534<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y112c ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _1e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _85\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _76\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y1113 wd6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld til kredittinstitusjoner</div></td><td class=\"c n xc67 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc68 y1113 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc69 y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6a y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6b y1113 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc6c y1113 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y10f6 wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xc10 y10f6 w6a3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19.560<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc11 y10f6 w695 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>485<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc12 y10f6 w696 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>967<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc13 y10f6 w3f2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc14 y10f6 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc15 y10f6 w6a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10ee w676 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer</div></td><td class=\"c n xbc0 y10ee w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd1e y10ee w2fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>273<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd1f y10ee w417 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>166<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd20 y10ee w702 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.875<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd21 y10ee w703 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>147<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd22 y10ee w704 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.461<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1114 waf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle derivater</div></td><td class=\"c n xc3b y1114 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd23 y1114 w44f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd24 y1114 w487 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x520 y1114 w4f5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd45 y1114 w467 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd46 y1114 w5a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y10fc w6c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rt forpliktelse</div></td><td class=\"c n xc76 y10fc w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd47 y10fc w527 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>181<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd48 y10fc w714 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>123<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd49 y10fc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xd4a y10fc w453 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td><td class=\"c n xd4b y10fc w6a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1115 we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xc7c y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7d y1115 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7e y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc7f y1115 w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xc80 y1115 w3ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xc81 y1115 w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld</div></td><td class=\"c n xd4c ye84 w6a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.560<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd4d ye84 w715 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>939<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd4e ye84 w716 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.263<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd4f ye84 w70b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.951<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd50 ye84 w414 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>541<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xd51 ye84 w717 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.253<span class=\"_ gs33e\"> </span></div></td></tr></table>90",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaturityAnalysisForFinancialAssetsHeldForManagingLiquidityRiskExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-624": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 17 \u2013 Netto renteinntekter<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w718 h6b\" id=\"_0c2c97d2-d847-4134-a061-a52fa45b6c7a\"><tr><td class=\"t m0 xd53 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 xd54 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y112e w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 xd56 ha y112f ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n xd57 y112e w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd58 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1130 ff2 fs7 fc3 sc0 ls0 ws0\">Renteinntekter<span class=\"_ _137\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n xd59 y1131 w17e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5a y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5b y1131 w71a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5c y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5d y1131 w180 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd5e y1132 w71b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.611<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5f y1132 w71c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd60 y1132 w71d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd61 y1132 w138 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd62 y1132 w71e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.610<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y1133 w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd64 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd65 y1133 w71f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av sertifikater<span class=\"_ _1\"></span>, obligasjoner og derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd66 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y1133 w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1134 w337 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd68 y1134 w720 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd69 y1134 w721 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6a y1134 w722 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6b y1134 w109 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1135 ff2 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd6c y1136 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xd6d y1136 w723 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 gjeld til kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6e y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6f y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y10f6 w724 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">677<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd70 y10f6 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">716<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd71 y10f6 w725 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd72 y10f6 w726 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">717<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd73 y10f6 w727 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">678<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y10ee w100 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd75 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd76 y10ee w728 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 utstedte ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd77 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd78 y10ee w729 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7a y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7b y10ef w72a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 annen gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7c y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7d y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">998<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7f y1137 w72b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">985<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd80 y1137 w72c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentekostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd81 y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">986<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd82 y1137 w72d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">999<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 ye84 w19 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">827<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd83 ye84 w1a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">808<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd84 ye84 w72e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum netto renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd85 ye84 w72f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">807<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd86 ye84 w59 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs621\"><span class=\"_ gs4e9\"> </span></div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 18 \u2013 Netto pro<span class=\"_ _0\"></span>visjons- og andre inntekter<span class=\"_ _2cc\"> </span></div>Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Provisjonsinntekter<span class=\"_ _240\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Garantiprovisjon<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Ver<span class=\"_ _0\"></span>dipapiromsetning<span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Betalingsformidling<span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Forsikringstjenester<span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Boligkreditt<span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Andre provisjonsinntekter<span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>263<span class=\"_ gs33e\"> </span>Sum provisjonsinntekter<span class=\"_ gs33e\"> </span>263<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Provisjonskostnader<span class=\"_ _8c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Betalingsformidling<span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre provisjonskostnader<span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>15<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>17<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum provisjonskostnader<span class=\"_ gs33e\"> </span>17<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>15<span class=\"_ gs33e\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Andre driftsinntekter<span class=\"_ _114\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftsinntekter fast eiendom<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Provisjon fra megler- og regnskapstjenester<span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre driftsinntekter<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ _142\"> </span>Sum andre driftsinntekter<span class=\"_ gs33e\"> </span>164<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>142<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>215<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>249<span class=\"_ gs33e\"> </span>Sum netto provisjons- og andre driftsinntekter<span class=\"_ gs33e\"> </span>410<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>354<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _177\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-742": {
   "value": "Note 17 \u2013 Netto renteinntekter<span class=\"_ _2cc\"> </span><table class=\"s w718 h6b\" id=\"_0c2c97d2-d847-4134-a061-a52fa45b6c7a\"><tr><td class=\"t m0 xd53 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 xd54 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y112e w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 xd56 ha y112f ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n xd57 y112e w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd58 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1130 ff2 fs7 fc3 sc0 ls0 ws0\">Renteinntekter<span class=\"_ _137\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n xd59 y1131 w17e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5a y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5b y1131 w71a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5c y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5d y1131 w180 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd5e y1132 w71b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.611<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5f y1132 w71c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd60 y1132 w71d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd61 y1132 w138 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd62 y1132 w71e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.610<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y1133 w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd64 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd65 y1133 w71f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av sertifikater<span class=\"_ _1\"></span>, obligasjoner og derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd66 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y1133 w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1134 w337 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd68 y1134 w720 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd69 y1134 w721 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6a y1134 w722 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6b y1134 w109 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1135 ff2 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd6c y1136 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xd6d y1136 w723 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 gjeld til kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6e y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6f y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y10f6 w724 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">677<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd70 y10f6 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">716<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd71 y10f6 w725 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd72 y10f6 w726 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">717<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd73 y10f6 w727 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">678<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y10ee w100 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd75 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd76 y10ee w728 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 utstedte ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd77 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd78 y10ee w729 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7a y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7b y10ef w72a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 annen gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7c y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7d y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">998<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7f y1137 w72b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">985<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd80 y1137 w72c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentekostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd81 y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">986<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd82 y1137 w72d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">999<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 ye84 w19 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">827<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd83 ye84 w1a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">808<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd84 ye84 w72e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum netto renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd85 ye84 w72f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">807<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd86 ye84 w59 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td></tr></table>Note 18 \u2013 Netto pro<span class=\"_ _0\"></span>visjons- og andre inntekter<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w730 h6c\" id=\"_d4496011-d39d-4157-b967-c2569c72b7b0\"><tr><td class=\"c n xd7e y1138 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n xd87 y1138 w99 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1139 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xd55 y1139 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y1139 w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y1139 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y1139 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 xd8b hb y113a ff2 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Provisjonsinntekter<span class=\"_ _240\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd8c y113b w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xd8d y113b w731 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Garantiprovisjon</div></td><td class=\"c n xd8e y113b w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd8f y113b w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd59 y113c w132 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xd90 y113c w732 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Ver<span class=\"_ _0\"></span>dipapiromsetning</div></td><td class=\"c n xd91 y113c w52 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd92 y113c w132 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd93 y113d w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xd94 y113d w733 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Betalingsformidling</div></td><td class=\"c n xd95 y113d w3e4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd96 y113d w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd59 y113e w405 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xd97 y113e w734 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Forsikringstjenester</div></td><td class=\"c n xd98 y113e w3b6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd99 y113e w3f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd93 y113f w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span></div></td><td></td><td></td><td class=\"c n xd9a y113f w735 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Boligkreditt</div></td><td class=\"c n xd9b y113f w706 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd9c y113f w268 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd8c y1140 w493 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xd9d y1140 w736 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Andre provisjonsinntekter</div></td><td class=\"c n xd9e y1140 w62 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xd9f y1140 w467 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd5e y1141 w737 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xda0 y1141 w139 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>263<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xda1 y1141 w738 h24\" colspan=\"2\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum provisjonsinntekter</div></td><td class=\"c n xda2 y1141 w139 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>263<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xda3 y1141 w4e5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd8b hb y1142 ff2 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Provisjonskostnader<span class=\"_ _8c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd79 y1143 w6fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xda4 y1143 w739 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Betalingsformidling</div></td><td class=\"c n xda5 y1143 w434 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xda6 y1143 w73a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xda7 y1144 w486 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xda8 y1144 w73b h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre provisjonskostnader</div></td><td></td><td class=\"c n xda9 y1144 w73c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xdaa y1144 w486 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xd59 y1145 w73d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>15<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdab y1145 w73e h24\" colspan=\"2\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum provisjonskostnader</div></td><td></td><td class=\"c n xdac y1145 w73f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>17<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdad y1145 w740 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>15<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd8b hb y1146 ff2 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\"><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Andre driftsinntekter<span class=\"_ _114\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd6c y1147 w741 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xdae y1147 w742 h24\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftsinntekter fast eiendom</div></td><td class=\"c n xdaf y1147 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xdb0 y1147 w47a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xdb1 y1148 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n xdb2 y1148 w743 h24\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Provisjon fra megler- og regnskapstjenester</div></td><td class=\"c n xdb3 y1148 w744 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xdb4 y1148 w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xda7 y1149 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n xdb5 y1149 w745 h24\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre driftsinntekter</div></td><td class=\"c n xdb6 y1149 w47e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xdb7 y1149 w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xda7 y114a w746 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdb8 y114a w747 h24\" colspan=\"2\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ _142\"> </span>Sum andre driftsinntekter</div></td><td></td><td class=\"c n xdb9 y114a w422 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>164<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdba y114a w69d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>142<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n xd7e ye84 w748 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>215<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdbb ye84 w677 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>249<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdbc ye84 w749 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum netto provisjons- og andre driftsinntekter</div></td><td></td><td class=\"c n xdbd ye84 w53d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>410<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xdbe ye84 w683 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>354<span class=\"_ gs33e\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProfitLossFromOperatingActivitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-639": {
   "value": "Note 17 \u2013 Netto renteinntekter<span class=\"_ _2cc\"> </span><table class=\"s w718 h6b\" id=\"_0c2c97d2-d847-4134-a061-a52fa45b6c7a\"><tr><td class=\"t m0 xd53 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 xd54 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y112e w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 xd56 ha y112f ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n xd57 y112e w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd58 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1130 ff2 fs7 fc3 sc0 ls0 ws0\">Renteinntekter<span class=\"_ _137\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n xd59 y1131 w17e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5a y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5b y1131 w71a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5c y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5d y1131 w180 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd5e y1132 w71b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.611<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5f y1132 w71c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd60 y1132 w71d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd61 y1132 w138 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd62 y1132 w71e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.610<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y1133 w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd64 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd65 y1133 w71f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av sertifikater<span class=\"_ _1\"></span>, obligasjoner og derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd66 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y1133 w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1134 w337 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd68 y1134 w720 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd69 y1134 w721 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6a y1134 w722 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6b y1134 w109 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1135 ff2 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd6c y1136 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xd6d y1136 w723 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 gjeld til kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6e y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6f y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y10f6 w724 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">677<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd70 y10f6 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">716<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd71 y10f6 w725 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd72 y10f6 w726 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">717<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd73 y10f6 w727 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">678<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y10ee w100 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd75 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd76 y10ee w728 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 utstedte ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd77 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd78 y10ee w729 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7a y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7b y10ef w72a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 annen gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7c y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7d y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">998<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7f y1137 w72b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">985<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd80 y1137 w72c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentekostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd81 y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">986<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd82 y1137 w72d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">999<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 ye84 w19 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">827<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd83 ye84 w1a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">808<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd84 ye84 w72e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum netto renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd85 ye84 w72f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">807<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd86 ye84 w59 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-690": {
   "value": "<table class=\"s w718 h6b\" id=\"_0c2c97d2-d847-4134-a061-a52fa45b6c7a\"><tr><td class=\"t m0 xd53 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 xd54 hb y112d ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y112e w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"t m0 xd56 ha y112f ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"c n xd57 y112e w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd58 y112e w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1130 ff2 fs7 fc3 sc0 ls0 ws0\">Renteinntekter<span class=\"_ _137\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span></span></td><td></td><td></td></tr><tr><td class=\"c n xd59 y1131 w17e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5a y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5b y1131 w71a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5c y1131 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5d y1131 w180 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd5e y1132 w71b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.611<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd5f y1132 w71c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd60 y1132 w71d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd61 y1132 w138 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.589<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd62 y1132 w71e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.610<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y1133 w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd64 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd65 y1133 w71f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter av sertifikater<span class=\"_ _1\"></span>, obligasjoner og derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd66 y1133 w22e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y1133 w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">154<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1134 w337 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd68 y1134 w720 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd69 y1134 w721 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6a y1134 w722 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6b y1134 w109 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1.825<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 xd56 hb y1135 ff2 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n xd6c y1136 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n xd6d y1136 w723 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 gjeld til kredittinstitusjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6e y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd6f y1136 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y10f6 w724 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">677<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd70 y10f6 w151 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">716<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd71 y10f6 w725 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd72 y10f6 w726 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">717<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd73 y10f6 w727 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">678<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y10ee w100 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd75 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd76 y10ee w728 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 utstedte ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd77 y10ee w336 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">252<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd78 y10ee w729 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">305<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7a y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7b y10ef w72a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Renter p\u00e5 annen gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7c y10ef w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7d y10ef w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">998<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd7f y1137 w72b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">985<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd80 y1137 w72c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentekostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd81 y1137 w162 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">986<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd82 y1137 w72d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">999<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 ye84 w19 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">827<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd83 ye84 w1a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">808<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd84 ye84 w72e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum netto renteinntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd85 ye84 w72f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">807<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd86 ye84 w59 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">826<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-728": {
   "value": "305<span class=\"_ _2cc\"> </span>252<span class=\"_ _2cc\"> </span>Renter p\u00e5 utstedte ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span>252<span class=\"_ _2cc\"> </span>305<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingCostsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-640": {
   "value": "Note 18 \u2013 Netto pro<span class=\"_ _0\"></span>visjons- og andre inntekter<span class=\"_ _2cc\"> </span>Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Provisjonsinntekter<span class=\"_ _240\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Garantiprovisjon<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Ver<span class=\"_ _0\"></span>dipapiromsetning<span class=\"_ gs33c\"> </span>26<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Betalingsformidling<span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Forsikringstjenester<span class=\"_ gs33c\"> </span>52<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Boligkreditt<span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>59<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Andre provisjonsinntekter<span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>263<span class=\"_ gs33e\"> </span>Sum provisjonsinntekter<span class=\"_ gs33e\"> </span>263<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>227<span class=\"_ gs33e\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Provisjonskostnader<span class=\"_ _8c\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Betalingsformidling<span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre provisjonskostnader<span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>15<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>17<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum provisjonskostnader<span class=\"_ gs33e\"> </span>17<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>15<span class=\"_ gs33e\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Andre driftsinntekter<span class=\"_ _114\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftsinntekter fast eiendom<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Provisjon fra megler- og regnskapstjenester<span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre driftsinntekter<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ _142\"> </span>Sum andre driftsinntekter<span class=\"_ gs33e\"> </span>164<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>142<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>215<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>249<span class=\"_ gs33e\"> </span>Sum netto provisjons- og andre driftsinntekter<span class=\"_ gs33e\"> </span>410<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>354",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-641": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs624\">Note 19 \u2013 Netto resultat fra finansielle eiendeler<span class=\"_ _2cc\"> </span></div>Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum utbytte<span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>36<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>4<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>5<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Inntekt fra eierinteresser i felleskontr<span class=\"_ _0\"></span>ollert virksomhet<span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>97<span class=\"_ gs33e\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Sertifikater og obligasjoner m\u00e5lt til virkelig verdi o<span class=\"_ _0\"></span>ver resultatet<span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 derivater og sikringsobjekt knyttet til sikring a<span class=\"_ _0\"></span>v <span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span>verdipapirgjeld<span class=\"_ _2cc\"> </span>-0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 derivater og sikringsobjekt knyttet til <span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>fastrenteutl\u00e5n<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 egenkapitalinstrumenter til virk<span class=\"_ _0\"></span>elig verdi ov<span class=\"_ _0\"></span>er <span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>91<span class=\"_ gs33c\"> </span>resultatet<span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>70<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Netto gevinst/ tap p\u00e5 valutabeholdning<span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Netto verdiendring p\u00e5 garantiforpliktelser<span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>80<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>104<span class=\"_ gs33e\"> </span>Sum netto resultat fra andre finansielle investeringer<span class=\"_ gs33e\"> </span>88<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>172<span class=\"_ gs33e\"> </span>Netto resultat fra finansielle eiendeler<span class=\"_ gs33e\"> </span>228<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>210<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-730": {
   "value": "<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Andre driftsinntekter<span class=\"_ _114\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftsinntekter fast eiendom<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Provisjon fra megler- og regnskapstjenester<span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre driftsinntekter<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ _142\"> </span>Sum andre driftsinntekter<span class=\"_ gs33e\"> </span>164<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>142<span class=\"_ gs33e\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-692": {
   "value": "<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _a3\"> </span>Andre driftsinntekter<span class=\"_ _114\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftsinntekter fast eiendom<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Provisjon fra megler- og regnskapstjenester<span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Andre driftsinntekter<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ _142\"> </span>Sum andre driftsinntekter<span class=\"_ gs33e\"> </span>164<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>142<span class=\"_ gs33e\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-743": {
   "value": "Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum utbytte<span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>36<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>Utbytte fra Eiendomsmegler1 Ringerike Hadeland AS<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span>Utbytte fra Sparebank 1 \u00d8k<span class=\"_ _0\"></span>onomihuset AS<span class=\"_ _1c6\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ _2cc\"> </span><span class=\"_ gs33c\"> <span class=\"_ _2cc\"> </span></span><table class=\"s wa2c ha4\" id=\"_332453ee-cae4-47e5-b1bc-4f6ed269651b\"><tr><td class=\"c n x15c y12e5 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e5 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e6 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e6 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e6 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e6 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e6 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x130e y12e7 w601 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>323<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d3 y12e7 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d4 y12e7 wa2d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi per 01.01.</div></td><td class=\"c n x13d5 y12e7 w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d6 y12e7 w41a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>319<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1237 w881 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d7 y1237 w6d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(109)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13d8 y1237 wa2e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang/avgang</div></td><td class=\"c n x13d9 y1237 wa2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(103)</div></td><td class=\"c n x13da y1237 w4a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>137<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1238 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1238 wa30 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>EK<span class=\"_ _0\"></span>-endringer</div></td><td class=\"c n x13db y1238 w498 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(4)</div></td><td class=\"c n x13dc y1238 w493 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e yfca w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c yfca wa31 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Resultatandel</div></td><td class=\"c n x13dd yfca w70f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13de yfca w36c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1239 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1239 wa32 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Utbetalt utbytte</div></td><td class=\"c n x13df y1239 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x13e0 y1239 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x15c ye84 w357 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>527<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e1 ye84 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>418<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e2 ye84 wa33 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi per 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x13e3 ye84 wa34 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e4 ye84 w586 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>600<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s wa35 ha5\" id=\"_8824d1b5-e3b3-4ad6-8bb7-76035de4a405\"><tr><td class=\"c n x15c y12e8 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e8 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e9 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e9 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e9 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1237 wa36 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e5 y1237 w38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e6 y1237 w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 wa37 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Sparebank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e7 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e8 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 yfca wa38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e9 yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ea yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1239 wa39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra SpareBank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13eb y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ec y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 wa3a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ed ye84 wa3b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">78<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ee ye84 w8e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr></table>Investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet Tilknyttede selskaper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet er bokf\u00f8rt til anskaffelsesk<span class=\"_ _0\"></span>ost i morbanken. K<span class=\"_ _0\"></span>onserntall er presentert etter egenkapitalmetoden<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span>Inntekter fra investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-729": {
   "value": "Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum utbytte<span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>36<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span>4<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>5<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Inntekt fra eierinteresser i felleskontr<span class=\"_ _0\"></span>ollert virksomhet<span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>97<span class=\"_ gs33e\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Sertifikater og obligasjoner m\u00e5lt til virkelig verdi o<span class=\"_ _0\"></span>ver resultatet<span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 derivater og sikringsobjekt knyttet til sikring a<span class=\"_ _0\"></span>v <span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span>verdipapirgjeld<span class=\"_ _2cc\"> </span>-0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 derivater og sikringsobjekt knyttet til <span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>fastrenteutl\u00e5n<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 egenkapitalinstrumenter til virk<span class=\"_ _0\"></span>elig verdi ov<span class=\"_ _0\"></span>er <span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>91<span class=\"_ gs33c\"> </span>resultatet<span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>70<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Netto gevinst/ tap p\u00e5 valutabeholdning<span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Netto verdiendring p\u00e5 garantiforpliktelser<span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>80<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>104<span class=\"_ gs33e\"> </span>Sum netto resultat fra andre finansielle investeringer<span class=\"_ gs33e\"> </span>88<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>172<span class=\"_ gs33e\"> </span>Netto resultat fra finansielle eiendeler<span class=\"_ gs33e\"> </span>228<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>210",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-691": {
   "value": "Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33e\"> </span>35<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Sum utbytte<span class=\"_ gs33e\"> </span>63<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>36<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span>4<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>5<span class=\"_ gs33e\"> </span><span class=\"_ _1ff\"> </span>Inntekt fra eierinteresser i felleskontr<span class=\"_ _0\"></span>ollert virksomhet<span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>97<span class=\"_ gs33e\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Sertifikater og obligasjoner m\u00e5lt til virkelig verdi o<span class=\"_ _0\"></span>ver resultatet<span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 derivater og sikringsobjekt knyttet til sikring a<span class=\"_ _0\"></span>v <span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>-0<span class=\"_ gs33c\"> </span>verdipapirgjeld<span class=\"_ _2cc\"> </span>-0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 derivater og sikringsobjekt knyttet til <span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span>fastrenteutl\u00e5n<span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span>Netto verdiendring p\u00e5 egenkapitalinstrumenter til virk<span class=\"_ _0\"></span>elig verdi ov<span class=\"_ _0\"></span>er <span class=\"_ gs33c\"> </span>73<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>91<span class=\"_ gs33c\"> </span>resultatet<span class=\"_ gs33c\"> </span>75<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>70<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Netto gevinst/ tap p\u00e5 valutabeholdning<span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Netto verdiendring p\u00e5 garantiforpliktelser<span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>80<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>104<span class=\"_ gs33e\"> </span>Sum netto resultat fra andre finansielle investeringer<span class=\"_ gs33e\"> </span>88<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>119<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>172<span class=\"_ gs33e\"> </span>Netto resultat fra finansielle eiendeler<span class=\"_ gs33e\"> </span>228<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>210",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-625": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 20 \u2013 P<span class=\"_ _0\"></span>ersonalkostnader og ytelser til ledende ansatte og tillits<span class=\"_ _0\"></span>valgte<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w75c h6e\" id=\"_e1d8afb3-a9cc-450f-bb16-2329663e37a1\"><tr><td class=\"c n xd7e y1159 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n xd87 y1159 w99 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y115a w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y115a w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y115a w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y115a w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y115a w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd93 y115b w1ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdde y115b w364 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">139<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xddf y115b w75d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde0 y115b w75e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde1 y115b w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y115c w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde2 y115c w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde3 y115c w75f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonskostnader (note 23)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde4 y115c w6b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde5 y115c w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y115d w76 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde7 y115d w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde8 y115d w761 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sosiale kostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde9 y115d w12 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdea y115d w1f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y115e w762 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdeb y115e w64d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">195<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdec y115e w763 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum personalkostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xded y115e w3de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">311<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdee y115e w764 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">262<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd93 ye84 w68 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdef ye84 w21b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">178<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf0 ye84 w765 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Antall \u00e5rsverk pr 31.<span class=\"_ _1\"></span>12.<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf1 ye84 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">266<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf2 ye84 w766 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">273<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Ytelser til ledende ansatte og tillitsvalgte <table class=\"s w767 h6f\" id=\"_dd0e1ec6-b4ac-4a12-8f40-0a3d5c60f963\"><tr><td class=\"t m0 x465 hb y115f ff2 fs7 fc3 sc0 ls0 ws0\">2025 <span class=\"ff4\">(hele tusen kroner)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xdf3 hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Herav </td><td class=\"t m0 xdf4 hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Opptjente </td><td class=\"t m0 x46c hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Innbe-<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xdf5 hb y1161 ff2 fs7 fc3 sc0 ls0 ws0\">Sty-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xdf6 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn og andre </td><td class=\"t m0 xdf7 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">utbetalt </td><td class=\"t m0 x46b hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">pensjons- </td><td class=\"t m0 xdf8 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">taling </td><td class=\"t m2 xdf9 hb y1163 ff2 fs7 fc3 sc0 ls0 ws0\">re-honorar </td><td></td><td class=\"t m0 xdfa hb y1163 ff2 fs7 fc3 sc0 ls0 ws0\">Antall <span class=\"_ _247\"></span> </td></tr><tr><td></td><td class=\"t m0 xdfb hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">kortsiktige ytelser </td><td class=\"t m0 xc1e hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">bonus </td><td class=\"t m0 xdfc hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">rettigheter </td><td class=\"t m0 xdfd hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">innskudds- </td><td class=\"t m2 xdfe hb y1165 ff2 fs7 fc3 sc0 ls0 ws0\">i d\u00f8tre og </td><td></td><td class=\"t m0 xdff hb y1165 ff2 fs7 fc3 sc0 ls0 ws0\">egenkapi-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">Navn<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe00 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">2)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe01 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">siste \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe02 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">pensjon<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xe03 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">lignende<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe04 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe05 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">tal bevis 1)<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y1168 w768 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ledergruppen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe06 y1168 w22a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.294<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe07 y1168 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe08 y1168 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe09 y1168 w769 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.441<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0a y1168 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe0b y1168 w76a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39.335<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe0c y1168 w76b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.381<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w511 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Styret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0d ye84 w76c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.698<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0e ye84 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0f ye84 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe10 ye84 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe11 ye84 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe12 ye84 w76d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9.093<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe13 ye84 w76e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.<span class=\"_ _1\"></span>199<span class=\"_ _2cc\"> </span></div></td></tr></table>1) Antall egenkapitalbevis vedk<span class=\"_ _0\"></span>ommende eier i SpareBank 1 Ringerike Hadeland pr 31.<span class=\"_ _1\"></span>12. Det er ogs\u00e5 tatt med egenkapitalbevis tilh\u00f8rende den n\u00e6rmeste familie og foretak hv<span class=\"_ _0\"></span>or vedkommende selv eller n\u00e6rmeste familie har bestemmende innflytelse, jf r<span class=\"_ _0\"></span>egnskapsloven \u00a7 1-3, 2. ledd.<span class=\"_ _2cc\"> </span>2) Kun honorarer er inkludert i godtgj\u00f8relse til ansattevalgte styr<span class=\"_ _0\"></span>e- og representantskapsmedlemmer<span class=\"_ _2cc\"> </span>Ytelser til ledende ansatte og tillitsvalgte<span class=\"ff4\"> </span><table class=\"s w76f h70\" id=\"_ed418251-cfbc-420f-87b0-cf405e140b32\"><tr><td class=\"t m0 x465 hb y1169 ff2 fs7 fc3 sc0 ls0 ws0\">2024 <span class=\"ff4\">(hele tusen kroner)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xdf3 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Herav </td><td class=\"t m0 xdf4 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Opptjente </td><td class=\"t m0 x46c hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Innbe-<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xdf5 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Sty-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xdf6 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn og andre </td><td class=\"t m0 xdf7 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">utbetalt </td><td class=\"t m0 x46b hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">pensjons- </td><td class=\"t m0 xdf8 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">taling </td><td class=\"t m2 xdf9 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">re-honorar </td><td></td><td class=\"t m0 xdfa hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">Antall <span class=\"_ _247\"></span> </td></tr><tr><td></td><td class=\"t m0 xdfb hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">kortsiktige ytelser </td><td class=\"t m0 xc1e hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">bonus </td><td class=\"t m0 xdfc hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">rettigheter </td><td class=\"t m0 xdfd hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">innskudds- </td><td class=\"t m2 xdfe hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">i d\u00f8tre og </td><td></td><td class=\"t m0 xdff hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">egenkapi-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">Navn<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe00 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">2)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe01 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">siste \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe02 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">pensjon<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xe03 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">lignende<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe04 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe05 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">tal bevis 1)<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 yf6a w768 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ledergruppen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe14 yf6a w770 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.488<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe15 yf6a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe16 yf6a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe17 yf6a w35d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.281<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe18 yf6a w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe19 yf6a w771 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ _1\"></span>.772<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x4dd yf6a w772 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">20.640<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w511 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Styret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1a ye84 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.635<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1b ye84 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1c ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1d ye84 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1e ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe1f ye84 w773 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8.692<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe20 ye84 w774 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.396<span class=\"_ _2cc\"> </span></div></td></tr></table>1) Antall egenkapitalbevis vedk<span class=\"_ _0\"></span>ommende eier i SpareBank 1 Ringerike Hadeland pr 31.<span class=\"_ _1\"></span>12. Det er ogs\u00e5 tatt med egenkapitalbevis tilh\u00f8rende den n\u00e6rmeste familie og foretak hv<span class=\"_ _0\"></span>or vedkommende selv eller n\u00e6rmeste familie har bestemmende innflytelse, jf r<span class=\"_ _0\"></span>egnskapsloven \u00a7 1-3, 2. ledd.<span class=\"_ _2cc\"> </span>2) Kun honorarer er inkludert i godtgj\u00f8relse til ansattevalgte styr<span class=\"_ _0\"></span>e- og representantskapsmedlemmer<span class=\"_ _2cc\"> </span>Det vises til \"Rapport godtgj\u00f8relse til ledende personer\" p\u00e5 bankens nettsider f<span class=\"_ _0\"></span>or n\u00e6rmere beskrivelse.<span class=\"_ _2cc\"> </span>SP<span class=\"_ _1\"></span>AREPROGRAM FOR<span class=\"_ _0\"></span> ANSA<span class=\"_ _1\"></span>TTE<span class=\"_ _2cc\"> </span>Konsernet har siden 2022 hatt \u00e5rlige ett\u00e5rige Spar<span class=\"_ _0\"></span>eprogram for sine ansatte. F<span class=\"_ _0\"></span>or annethvert egenkapitalbevis den ansatte kj\u00f8per gjennom spareordningen gir Spar<span class=\"_ _0\"></span>ebank 1 Ringerike Hadeland konsern den ansatte ett bonus-<span class=\"_ _2cc\"> </span>egenkapitalbevis. Tildelingen a<span class=\"_ _0\"></span>v \"bonusbevis\" skjer to \u00e5r etter kj\u00f8p av egenkapitalbe<span class=\"_ _0\"></span>vis i spareprogrammet og forutsetter at den ansatte f<span class=\"_ _0\"></span>ortsatt eier de opprinnelige oppsparte egenkapitalbevisene, samt fortsatt er ansatt i konsernet. Konsernets balansef\u00f8rte f<span class=\"_ _0\"></span>orpliktelse knyttet til kj\u00f8p av fremtidige bonusbe<span class=\"_ _0\"></span>vis var 3 mill. kroner per 31.<span class=\"_ _1\"></span>12.2025, hvorav  1,5 mill. kroner gjelder or<span class=\"_ _0\"></span>dningen i 2025<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 21 \u2013 Andre driftsk<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span></div>Note 22 \u2013 P<span class=\"_ _0\"></span>ensjoner<span class=\"_ _2cc\"> </span>Generell beskrivelse a<span class=\"_ _0\"></span>v konsernets pensjonsordninger Konsernet er pliktig til \u00e5 ha tjenestepensjonsor<span class=\"_ _0\"></span>dning etter lov om obligatorisk ytelsespensjon. <span class=\"ls0\"> </span>Konsernets pensjonsor<span class=\"_ _0\"></span>dninger tilfredsstiller krav<span class=\"_ _0\"></span>ene i denne lov<span class=\"_ _1\"></span>. <span class=\"ls0\"> </span>Konsernet benytter IAS 19 v<span class=\"_ _0\"></span>ed beregning av sine pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsforpliktelser<span class=\"_ _1\"></span>.<span class=\"ls0 ws0\"> </span>Ansatte i morbanken<span class=\"ff4 ls0 ws1d\"> <span class=\"_ _24a\"></span>    </span>Det eksisterer tre ulik<span class=\"_ _0\"></span>e ytelsesbaserte pensjonsord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ninger for bank<span class=\"_ _0\"></span>ens ansatte, som stammer fra de tre bankene, SpareBank 1 Gran, Spar<span class=\"_ _0\"></span>eBank 1 Ringerike og SpareBank 1 Jevnak<span class=\"_ _0\"></span>er Lunner f\u00f8r fusjonen i 2010. YTP-ord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ningene administreres a<span class=\"_ _0\"></span>v hhv Storebrand, Ringerike Pensjonskasse og Spar<span class=\"_ _0\"></span>eBank 1 Forsikring. De k<span class=\"_ _0\"></span>ollektive ytelsespensjonsordningene er lukket, og ansatte som ikke er omfattet a<span class=\"_ _0\"></span>v disse inng\u00e5r i en innskuddspen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsordning. Alle som er ansatt etter 1. juli 2010 inng\u00e5r i innskuddspensjonsordningen.<span class=\"ls0 ws0\"> </span>Styret i banken besluttet i april 2017 \u00e5 gjennomf\u00f8r<span class=\"_ _0\"></span>e en 2. gangslukking av bank<span class=\"_ _0\"></span>ens ytelsesbaserte pensjons<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordninger med virkning fra 1. juli 2017<span class=\"_ _141\"></span>. Pensjonister og ansatte f\u00f8dt til og med 1960 har blitt v\u00e6rende i ytelses<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordningene, mens yngre \u00e5rsklasser er o<span class=\"_ _0\"></span>verf\u00f8rt bankens innskuddspensjonsordning og kompensert f<span class=\"_ _0\"></span>or forskjel<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>len mellom ordningene.<span class=\"ls0\"> </span>I tillegg kommer AFP (A<span class=\"_ _0\"></span>vtalefestet F\u00f8rtidspensjon) som gjelder alle ansatte. Banken har ogs\u00e5 udekk<span class=\"_ _0\"></span>ede pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsforpliktelser som finansieres o<span class=\"_ _0\"></span>ver driften.<span class=\"ls0\"> </span>Ny AFP-ordning gjeldende fra 2011 skal regnsk<span class=\"_ _0\"></span>apsf\u00f8res som en ytelsesbasert foretaksor<span class=\"_ _0\"></span>dning og finansieres gjennom en \u00e5rlig premie som fastsettes som en pro<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sent av l\u00f8nn. Det f<span class=\"_ _0\"></span>oreligger for<span class=\"_ _0\"></span>el\u00f8pig ikke tilgjengelig informasjon f<span class=\"_ _0\"></span>or innregning av den ny<span class=\"_ _0\"></span>e forpliktelsen og ordningen er derfor f<span class=\"_ _0\"></span>orel\u00f8pig behandlet som en inn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>skuddspensjonsordning.<span class=\"ls0 ws0\"> </span>Ansatte i Eiendomsmegleren Ringerike Hadeland AS<span class=\"ff4 ls0\"> </span>Alle ansatte (27) er tilsluttet ITP<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span>Ansatte i Sparebank 1 \u00d8konomihuset AS<span class=\"ff4 ls0\"> </span>Alle ansatte (68) er tilsluttet ITP<span class=\"_ _2cc\"> </span>Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>67<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>76<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>IT<span class=\"_ _0\"></span>-kostnader<span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>71<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Markedsf\u00f8ring<span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Ordin\u00e6re avskrivinger ( note 30 og 31)<span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(0)<span class=\"_ _2cc\"> </span>Formuesskatt<span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftskostnader faste eiendommer<span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Eksterne honorarer<span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>60<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>70<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>\u00d8vrige driftskostnader<span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>200<span class=\"_ gs33c\"> </span>Sum adm. kostn. og andre driftskostnader<span class=\"_ gs33c\"> </span>233<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>216<span class=\"_ gs33c\"> </span><span class=\"_ gs669\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs669\"> </span><span class=\"_ _a3\"> </span><span class=\"ff2\">Godtgj\u00f8relse til ekstern revisor <span class=\"_ _24e\"> </span></span><span class=\"_ gs669\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs669\"> </span><span class=\"_ gs33c\"> </span>2,0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1,8<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Lovp\u00e5lagt re<span class=\"_ _0\"></span>visjon<span class=\"_ gs33c\"> </span>2,4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>T<span class=\"_ _1\"></span>eknisk bistand<span class=\"_ gs33c\"> </span>0,1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Andre tjenester<span class=\"_ gs33c\"> </span>0,2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,0<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Sum (inklusiv mer<span class=\"_ _3\"></span>verdiav<span class=\"_ _0\"></span>gift)<span class=\"_ gs33c\"> </span>2,6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,5<span class=\"_ gs4e9\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _200\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2b\"> </span><span class=\"_ gs4e9\"> </span><div class=\"gs2bf\"><table class=\"s w790 h72\" id=\"_3a39ab5e-b6b9-47fc-8c21-08a6d9046d5c\"><tr><td class=\"c n x116 y1179 w791 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lukkede ytelsespensjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y1179 w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y1179 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf6a w794 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 yf6a w61 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4a yf6a w146 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w795 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonister<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4b ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4c ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs66c\"><table class=\"s w797 h73\" id=\"_55282d1b-a791-4420-b5ab-bbf18fc07e0a\"><tr><td class=\"c n x116 y117a w798 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Innskuddspensjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y117a w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y117a w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w794 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 ye84 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4d ye84 w799 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">276<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Til grunn for beregning a<span class=\"_ _0\"></span>v kostnader og f<span class=\"_ _0\"></span>orpliktelser for lukket pensjonsor<span class=\"_ _0\"></span>dning ligger f\u00f8lgende forutsetninger<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w79a h74\" id=\"_20401ddf-c62b-4992-bcc4-5c2edeb5d97a\"><tr><td class=\"c n x116 y117b w79b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8konomiske f<span class=\"_ _0\"></span>orutsetninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4e y117b w439 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4f y117b w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117c w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe50 y117c w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe51 y117c w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117d w79e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 midlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe52 y117d w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe53 y117d w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117e w79f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet fremtidig l\u00f8nnsutvikling<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe54 y117e w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe55 y117e w16e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,50 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117f w7a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet G-regulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe56 y117f w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe57 y117f w7a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,28 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1180 w7a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe58 y1180 w7a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,75%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe59 y1180 w7a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,25%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1181 w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5a y1181 w7a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5b y1181 w7a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1182 w7a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansskatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5c y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5d y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xe5e ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td><td class=\"t m0 xe5f ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td></tr><tr><td class=\"t m0 x51f ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet frivillig av<span class=\"_ _0\"></span>gang<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe60 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe61 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td></tr><tr><td></td><td class=\"t m0 xe62 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td><td class=\"t m0 xe63 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x51f ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet AFP-uttak fra 62 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe64 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe65 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y10f1 w7ab h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet uf\u00f8rhetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe66 y10f1 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR02<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe67 y10f1 w7ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR73<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet d\u00f8delighetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe68 ye84 w7af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe69 ye84 w7b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td></tr></table></div>De tidspunkt som er angitt ovenf<span class=\"_ _0\"></span>or angir fra hvilket tidspunkt forpliktelsen beregnes med endr<span class=\"_ _0\"></span>ede forutsetninger<span class=\"_ _1\"></span>. Dette inneb\u00e6rer eksempelvis at pensjonsforpliktelsen per 31.<span class=\"_ _1\"></span>12.2025 er neddiskontert med de forutsetninger som gjelder 01.01.2026, mens \u00e5rskostnaden f<span class=\"_ _0\"></span>or 2025 er basert p\u00e5 de forutsetninger som gjaldt ved \u00e5rets begynnelse<span class=\"_ _2cc\"> </span><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs671\">Netto pensjonsforpliktelse i balansen<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w7b1 h75\" id=\"_70ea0707-e814-455f-a01e-c21019bbdd4f\"><tr><td class=\"c n x116 y1187 w7b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _152\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xe6a y1187 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe6b y1187 w7b4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _1\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 yf66 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e yf66 w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 yf66 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe72 y1188 w7b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 y1188 w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe74 y1188 w7bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe75 y1188 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212201<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe76 y1188 w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe77 y1188 w15a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212240<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1189 w7bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdi pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe78 y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe79 y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7a y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7b y1189 w1bf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7c y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7d y1189 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7bd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7e yf2b wb0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 yf2b w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7f yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe80 yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe81 yf2b w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe82 yf2b w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe86 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe87 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe88 ye84 wae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe89 ye84 w185 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221237<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8a ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8b ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8c ye84 w7c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8d ye84 w7c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w7c2 h76\" id=\"_99d777be-8b27-47b6-9ebb-41695cfd776e\"><tr><td class=\"c n x116 y118a w7c3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _1da\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _e8\"> </span></span></div></td><td></td><td class=\"c n xe8e y118a w7c4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _fe\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe8f y118a w7c5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118c w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y118c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y118c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118d w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y118d wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y118d w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y118d w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y118d wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y118d w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y118d w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1188 w7cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1188 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1188 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1188 w87 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1188 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1188 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf2b w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf2b w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf2b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf2b w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf2b w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf2b w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf2c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb0 yf2c w7cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb1 yf2c w7d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb2 yf2c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb3 yf2c w11f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb4 yf2c w120 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb6 ye84 w7d3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb7 ye84 w163 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb8 ye84 wf3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb9 ye84 w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeba ye84 w7d4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs677\"><table class=\"s w7c2 h77\" id=\"_a3999a54-2bb4-43f9-948b-12223651530f\"><tr><td class=\"c n x116 y1190 w7d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _149\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xebb y1190 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xebc y1190 w7d6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1191 w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y1191 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y1191 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1192 w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y1192 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y1192 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y1192 w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y1192 wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y1192 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y1192 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1193 w7cb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1193 w7cc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1193 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1193 w3b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1193 w87 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1193 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1193 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf50 w7cd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf50 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf50 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf50 w159 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf50 w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf50 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w7ce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebd yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebe yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebf yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec0 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec1 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec2 ye84 w7d7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec3 ye84 w7d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec4 ye84 w7d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec5 ye84 w7da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec6 ye84 w7db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs679\">\u00c5rets pensjonskostnad<span class=\"_ _2cc\"> </span></div>Sensitivitet konsern 2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span><table class=\"s w7dc h78\" id=\"_11073c2c-a017-417f-a8ea-156d2d50a2f1\"><tr><td class=\"c n x116 y1194 w7dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1195 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec9 y1195 w340 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">219<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeca y1195 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecb y1196 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecc y1196 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">198<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecd y1197 w7e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xece y1197 w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1198 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecf y1199 w7e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd05 y1199 w7e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119a w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y119a w7e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed1 y119a w545 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed2 y119b w7e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,4 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed3 y119b w16a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed5 y119d wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed6 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x887 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119f w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y119f wad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y119f w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a0 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed9 y115d w7e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeda y115d w7e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y10f7 w5f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedb y10f7 w7e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedc ye84 w71e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedd ye84 w7ea h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,7 %<span class=\"_ _2cc\"> </span></div></td></tr></table>Sensitivitet konsern 2024<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span><table class=\"s w7eb h78\" id=\"_903c20fe-a29e-472c-9d74-470ed5ee0452\"><tr><td class=\"c n x116 y1194 w7dd h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a1 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xede y11a1 w7ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">224<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedf y11a1 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee0 y1196 w33e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb79 y1196 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">202<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee1 y1197 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee2 y1197 w632 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">214<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a2 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee3 y1199 w7ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13,2 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee4 y1199 w7ee h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>10,9 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a3 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee5 y11a3 w7ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee6 y11a3 w7f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,8 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee7 y119b w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-10,6 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee8 y119b w7f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee9 y119d wcb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeea y119e w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeeb y119e wda h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a4 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y11a4 wad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y11a4 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a5 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeec y115d w7f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeed y115d w66b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeee y10f7 w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeef y10f7 w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,4 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef0 ye84 w2ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef1 ye84 w7f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs683\">Note 23 \u2013 Skatt<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w7f5 h79\" id=\"_62a4e939-1bcd-4af4-8ec6-55946cb9137d\"><tr><td class=\"c n xd7e y11a6 w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n xd87 y11a6 w99 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y11a7 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11a7 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y11a7 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y11a7 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y11a7 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11a8 w2d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef2 y11a8 w7f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">838<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef3 y11a8 w7f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skattekostnad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef4 y11a8 w361 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">905<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef5 y11a8 w637 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">800<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xef6 y11a9 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212109<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef7 y11a9 w7f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef8 y11a9 w7f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/-permanente forskjeller *<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef9 y11a9 w118 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212115<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefa y11a9 w80 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221270<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y11aa we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221266<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefb y11aa w17c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefc y11aa w7fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- endring midlertidige forskjeller i henhold til spesifikasjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefd y11aa w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221236<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefe y11aa w7fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221265<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11ab w617 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeff y11ab w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf00 y11ab w7fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- herav f\u00f8rt direkte mot egenkapitalen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf01 y11ab w11f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf02 y11ab wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y11ac w78c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf03 y11ac w7fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">656<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf04 y11ac w7fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5rets skattegrunnlag/skattepliktig inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf05 y11ac w7ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf06 y11ac w78c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">694<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ad w53 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf07 y11ad w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf08 y11ad w800 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Herav betalbar skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf09 y11ad w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0a y11ad w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ae w6e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0b y11ae w762 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0c y11ae w801 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Betalbar skatt i balansen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0d y11ae w802 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0e y11ae w161 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11af w53 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf07 y11af w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf08 y11af w803 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betalbar skatt av \u00e5rets overskudd<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf09 y11af w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0a y11af w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xda7 y11b0 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0f y11b0 w804 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf10 y11b0 w805 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- endring i utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf11 y11b0 w7c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf12 y11b0 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11b1 w85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf13 y11b1 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf14 y11b1 w806 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- \u00f8vrige endringer utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf15 y11b1 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf16 y11b1 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b2 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf17 y11b2 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf18 y11b2 w807 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- for mye/lite avsatt betalbar skatt tidliger<span class=\"_ _0\"></span>e \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf19 y11b2 w808 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1a y11b2 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c yf51 w809 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- andre endringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1d yf51 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1e yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 ye84 w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1f ye84 w6f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">167<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf20 ye84 w80a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5rets skattekostnad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf21 ye84 w80b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf22 ye84 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs686\"><table class=\"s w80c h7a\" id=\"_d481710b-bc93-4909-b361-5466a29f9e39\"><tr><td></td><td></td><td class=\"t m0 xd56 hb y11b3 ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skattefordel og utsatt sk<span class=\"_ _0\"></span>att i balansen vedr\u00f8rer f\u00f8lgende </td><td></td><td></td></tr><tr><td class=\"c n x116 y11b4 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11b4 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdc9 y11b4 w80d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf23 y11b4 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf24 y11b4 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b5 w35 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf25 y11b5 w34 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf26 y11b5 w80e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Gevinst-/tapskonto<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf27 y11b5 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf28 y11b5 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b6 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf29 y11b6 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2a y11b6 w80f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Andre poster<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2b y11b6 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2c y11b6 w14c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xf2d y11b7 w1c7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2e y11b7 w113 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2f y11b7 w810 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum positive skatte\u00f8kende midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf30 y11b7 w811 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf31 y11b7 w115 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11b8 w812 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf32 y11b8 w813 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf33 y11b8 w814 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf34 y11b8 w142 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf35 y11b8 w815 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11b9 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf36 y11b9 w816 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">30<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf37 y11b9 w817 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Driftsmidler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf38 y11b9 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf39 y11b9 w30 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">36<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ba w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221215<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3a y11ba w21a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3b y11ba w818 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Netto pensjonsforpliktelse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3c y11ba w6e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y11ba w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221215<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y11bb wbe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3d y11bb w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3e y11bb w819 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Finansielle instrumenter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3f y11bb w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf40 y11bb w21 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11bc w137 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf41 y11bc w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf42 y11bc w81a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum negative skattereduserende midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf43 y11bc w81b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf44 y11bc w81c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11bd w81d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf45 y11bd w81e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf46 y11bd w81f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skattefordel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf47 y11bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf48 y11bd w820 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c ye84 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf49 ye84 w821 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22122<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4a ye84 w822 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto bokf\u00f8rt utsatt skattefordel (+)/Netto bokf\u00f8rt utsatt skatt(-<span class=\"_ _0\"></span>)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4b ye84 w81e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4c ye84 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs687\"><table class=\"s w823 h7b\" id=\"_944ba0f3-974b-4c4d-90a1-f3651a34948e\"><tr><td></td><td></td><td class=\"t m0 xd56 hb y11be ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skatt i resultatregnskapet v<span class=\"_ _0\"></span>edr\u00f8rer endring i f\u00f8lgende midler-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y119d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y119d w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdc9 y119d wf0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">tidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4d y119d w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4e y119d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11bf w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11bf w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11bf w80e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Gevinst-/tapskonto<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4f y11bf w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf50 y11bf w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xda7 y11c0 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf51 y11c0 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf52 y11c0 w819 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Finansielle instrumenter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf53 y11c0 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf54 y11c0 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11c1 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf55 y11c1 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf56 y11c1 w824 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Varige driftsmidler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf57 y11c1 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf58 y11c1 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11c2 w1fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf59 y11c2 w5f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf5a y11c2 w818 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Netto pensjonsforpliktelse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf5b y11c2 w5f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf5c y11c2 w131 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y1026 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y1026 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y1026 w825 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Andre midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf5d y1026 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf5e y1026 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 ye84 w826 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221216<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf5f ye84 w1c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22129<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf60 ye84 w827 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto endring utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf61 ye84 w828 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22128<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf62 ye84 w829 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs688\"><table class=\"s w82a h7c\" id=\"_284accbd-d146-4e8d-8133-72b3e06af677\"><tr><td class=\"c n x116 y11c3 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11c3 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y11c3 w82b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avstemming a<span class=\"_ _0\"></span>v resultatf\u00f8rt periodeskatt med resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf63 y11c3 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf64 y11c3 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11c4 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf65 y11c4 w82c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">209<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf66 y11c4 w82d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25 % av resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf67 y11c4 w4d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf68 y11c4 w4d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">229<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd59 y11c5 w796 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221211<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf69 y11c5 w143 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221219<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6a y11c5 w82e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ikke skattepliktige resultatposter (permanente forskjeller) *<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6b y11c5 w157 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221231<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6c y11c5 w278 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221240<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11c6 w3b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6d y11c6 w1fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6e y11c6 w82f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjeutbytte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6f y11c6 w830 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf70 y11c6 w831 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11c7 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11c7 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11c7 w832 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gevinst verdipapirer under fritak<span class=\"_ _0\"></span>smetoden<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf71 y11c7 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf72 y11c7 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11c8 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11c8 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11c8 w833 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilbakef\u00f8ring av 3% a<span class=\"_ _0\"></span>v skattefrie inntekter etter fritaksmodellen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf73 y11c8 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf74 y11c8 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11c9 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11c9 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11c9 w834 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Effekt av endret sk<span class=\"_ _0\"></span>attesats<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf75 y11c9 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf76 y11c9 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11ca w85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf13 y11ca w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf14 y11ca w835 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre endringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf77 y11ca w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf78 y11ca w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11cb w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf17 y11cb w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf18 y11cb w836 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">For mye/lite avsatt betalbar skatt tidligere \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf79 y11cb w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7a y11cb w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11bd w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1f y11bd w6f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">167<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf20 y11bd w837 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultatf\u00f8rt periodeskatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7b y11bd w838 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7c y11bd w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e ye84 w5c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7d ye84 w839 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">20%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7e ye84 w83a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Effektiv skattesats i %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7f ye84 w83b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf80 ye84 w83c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs689\">* Inkluderer ikke skattepliktige r<span class=\"_ _0\"></span>esultatposter samt fradrag for resultatandel knyttet til tilknyttede og f<span class=\"_ _0\"></span>elleskontrollerte selskaper (resul-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs68a\">tatandeler trekkes ut ettersom de aller<span class=\"_ _0\"></span>ede er skattlagt hos det enkelte selskap)<span class=\"_ _2cc\"> </span>.</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-642": {
   "value": "Note 20 \u2013 P<span class=\"_ _0\"></span>ersonalkostnader og ytelser til ledende ansatte og tillits<span class=\"_ _0\"></span>valgte<span class=\"_ _2cc\"> </span><table class=\"s w75c h6e\" id=\"_e1d8afb3-a9cc-450f-bb16-2329663e37a1\"><tr><td class=\"c n xd7e y1159 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n xd87 y1159 w99 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y115a w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y115a w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y115a w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y115a w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y115a w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd93 y115b w1ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdde y115b w364 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">139<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xddf y115b w75d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde0 y115b w75e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde1 y115b w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y115c w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde2 y115c w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde3 y115c w75f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonskostnader (note 23)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde4 y115c w6b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde5 y115c w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y115d w76 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde7 y115d w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde8 y115d w761 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sosiale kostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde9 y115d w12 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdea y115d w1f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y115e w762 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdeb y115e w64d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">195<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdec y115e w763 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum personalkostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xded y115e w3de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">311<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdee y115e w764 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">262<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd93 ye84 w68 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdef ye84 w21b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">178<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf0 ye84 w765 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Antall \u00e5rsverk pr 31.<span class=\"_ _1\"></span>12.<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf1 ye84 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">266<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf2 ye84 w766 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">273<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs62f\">Ytelser til ledende ansatte og tillitsvalgte </div><div class=\"gs630\"><table class=\"s w767 h6f\" id=\"_dd0e1ec6-b4ac-4a12-8f40-0a3d5c60f963\"><tr><td class=\"t m0 x465 hb y115f ff2 fs7 fc3 sc0 ls0 ws0\">2025 <span class=\"ff4\">(hele tusen kroner)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xdf3 hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Herav </td><td class=\"t m0 xdf4 hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Opptjente </td><td class=\"t m0 x46c hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Innbe-<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xdf5 hb y1161 ff2 fs7 fc3 sc0 ls0 ws0\">Sty-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xdf6 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn og andre </td><td class=\"t m0 xdf7 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">utbetalt </td><td class=\"t m0 x46b hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">pensjons- </td><td class=\"t m0 xdf8 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">taling </td><td class=\"t m2 xdf9 hb y1163 ff2 fs7 fc3 sc0 ls0 ws0\">re-honorar </td><td></td><td class=\"t m0 xdfa hb y1163 ff2 fs7 fc3 sc0 ls0 ws0\">Antall <span class=\"_ _247\"></span> </td></tr><tr><td></td><td class=\"t m0 xdfb hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">kortsiktige ytelser </td><td class=\"t m0 xc1e hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">bonus </td><td class=\"t m0 xdfc hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">rettigheter </td><td class=\"t m0 xdfd hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">innskudds- </td><td class=\"t m2 xdfe hb y1165 ff2 fs7 fc3 sc0 ls0 ws0\">i d\u00f8tre og </td><td></td><td class=\"t m0 xdff hb y1165 ff2 fs7 fc3 sc0 ls0 ws0\">egenkapi-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">Navn<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe00 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">2)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe01 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">siste \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe02 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">pensjon<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xe03 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">lignende<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe04 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe05 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">tal bevis 1)<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y1168 w768 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ledergruppen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe06 y1168 w22a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.294<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe07 y1168 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe08 y1168 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe09 y1168 w769 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.441<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0a y1168 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe0b y1168 w76a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39.335<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe0c y1168 w76b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.381<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w511 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Styret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0d ye84 w76c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.698<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0e ye84 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0f ye84 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe10 ye84 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe11 ye84 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe12 ye84 w76d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9.093<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe13 ye84 w76e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.<span class=\"_ _1\"></span>199<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs631\">1) Antall egenkapitalbevis vedk<span class=\"_ _0\"></span>ommende eier i SpareBank 1 Ringerike Hadeland pr 31.<span class=\"_ _1\"></span>12. Det er ogs\u00e5 tatt med egenkapitalbevis tilh\u00f8rende </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs632\">den n\u00e6rmeste familie og foretak hv<span class=\"_ _0\"></span>or vedkommende selv eller n\u00e6rmeste familie har bestemmende innflytelse, jf r<span class=\"_ _0\"></span>egnskapsloven \u00a7 1-3, 2. </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs633\">ledd.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs634\">2) Kun honorarer er inkludert i godtgj\u00f8relse til ansattevalgte styr<span class=\"_ _0\"></span>e- og representantskapsmedlemmer<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs628\">Ytelser til ledende ansatte og tillitsvalgte<span class=\"ff4\"> </span></div><div class=\"gs629\"><table class=\"s w76f h70\" id=\"_ed418251-cfbc-420f-87b0-cf405e140b32\"><tr><td class=\"t m0 x465 hb y1169 ff2 fs7 fc3 sc0 ls0 ws0\">2024 <span class=\"ff4\">(hele tusen kroner)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xdf3 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Herav </td><td class=\"t m0 xdf4 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Opptjente </td><td class=\"t m0 x46c hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Innbe-<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xdf5 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Sty-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xdf6 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn og andre </td><td class=\"t m0 xdf7 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">utbetalt </td><td class=\"t m0 x46b hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">pensjons- </td><td class=\"t m0 xdf8 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">taling </td><td class=\"t m2 xdf9 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">re-honorar </td><td></td><td class=\"t m0 xdfa hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">Antall <span class=\"_ _247\"></span> </td></tr><tr><td></td><td class=\"t m0 xdfb hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">kortsiktige ytelser </td><td class=\"t m0 xc1e hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">bonus </td><td class=\"t m0 xdfc hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">rettigheter </td><td class=\"t m0 xdfd hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">innskudds- </td><td class=\"t m2 xdfe hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">i d\u00f8tre og </td><td></td><td class=\"t m0 xdff hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">egenkapi-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">Navn<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe00 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">2)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe01 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">siste \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe02 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">pensjon<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xe03 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">lignende<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe04 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe05 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">tal bevis 1)<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 yf6a w768 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ledergruppen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe14 yf6a w770 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.488<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe15 yf6a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe16 yf6a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe17 yf6a w35d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.281<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe18 yf6a w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe19 yf6a w771 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ _1\"></span>.772<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x4dd yf6a w772 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">20.640<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w511 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Styret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1a ye84 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.635<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1b ye84 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1c ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1d ye84 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1e ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe1f ye84 w773 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8.692<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe20 ye84 w774 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.396<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs62a\">1) Antall egenkapitalbevis vedk<span class=\"_ _0\"></span>ommende eier i SpareBank 1 Ringerike Hadeland pr 31.<span class=\"_ _1\"></span>12. Det er ogs\u00e5 tatt med egenkapitalbevis tilh\u00f8rende </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs62b\">den n\u00e6rmeste familie og foretak hv<span class=\"_ _0\"></span>or vedkommende selv eller n\u00e6rmeste familie har bestemmende innflytelse, jf r<span class=\"_ _0\"></span>egnskapsloven \u00a7 1-3, 2. </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs62c\">ledd.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs62d\">2) Kun honorarer er inkludert i godtgj\u00f8relse til ansattevalgte styr<span class=\"_ _0\"></span>e- og representantskapsmedlemmer<span class=\"_ _2cc\"> </span></div>Det vises til \"Rapport godtgj\u00f8relse til ledende personer\" p\u00e5 bankens nettsider f<span class=\"_ _0\"></span>or n\u00e6rmere beskrivelse.<span class=\"_ _2cc\"> </span>SP<span class=\"_ _1\"></span>AREPROGRAM FOR<span class=\"_ _0\"></span> ANSA<span class=\"_ _1\"></span>TTE<span class=\"_ _2cc\"> </span>Konsernet har siden 2022 hatt \u00e5rlige ett\u00e5rige Spar<span class=\"_ _0\"></span>eprogram for sine ansatte. F<span class=\"_ _0\"></span>or annethvert egenkapitalbevis den ansatte kj\u00f8per gjennom spareordningen gir Spar<span class=\"_ _0\"></span>ebank 1 Ringerike Hadeland konsern den ansatte ett bonus-<span class=\"_ _2cc\"> </span>egenkapitalbevis. Tildelingen a<span class=\"_ _0\"></span>v \"bonusbevis\" skjer to \u00e5r etter kj\u00f8p av egenkapitalbe<span class=\"_ _0\"></span>vis i spareprogrammet og forutsetter at den ansatte f<span class=\"_ _0\"></span>ortsatt eier de opprinnelige oppsparte egenkapitalbevisene, samt fortsatt er ansatt i konsernet. Konsernets balansef\u00f8rte f<span class=\"_ _0\"></span>orpliktelse knyttet til kj\u00f8p av fremtidige bonusbe<span class=\"_ _0\"></span>vis var 3 mill. kroner per 31.<span class=\"_ _1\"></span>12.2025, hvorav  1,5 mill. kroner gjelder or<span class=\"_ _0\"></span>dningen i 2025<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-693": {
   "value": "Note 20 \u2013 P<span class=\"_ _0\"></span>ersonalkostnader og ytelser til ledende ansatte og tillits<span class=\"_ _0\"></span>valgte<span class=\"_ _2cc\"> </span><table class=\"s w75c h6e\" id=\"_e1d8afb3-a9cc-450f-bb16-2329663e37a1\"><tr><td class=\"c n xd7e y1159 w98 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n xd87 y1159 w99 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y115a w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y115a w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y115a w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y115a w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y115a w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd93 y115b w1ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdde y115b w364 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">139<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xddf y115b w75d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde0 y115b w75e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde1 y115b w2f6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y115c w157 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde2 y115c w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde3 y115c w75f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonskostnader (note 23)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde4 y115c w6b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde5 y115c w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y115d w76 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde7 y115d w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde8 y115d w761 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sosiale kostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xde9 y115d w12 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdea y115d w1f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y115e w762 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdeb y115e w64d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">195<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdec y115e w763 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum personalkostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xded y115e w3de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">311<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdee y115e w764 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">262<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd93 ye84 w68 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdef ye84 w21b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">178<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf0 ye84 w765 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Antall \u00e5rsverk pr 31.<span class=\"_ _1\"></span>12.<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf1 ye84 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">266<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdf2 ye84 w766 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">273<span class=\"_ _2cc\"> </span></div></td></tr></table>Ytelser til ledende ansatte og tillitsvalgte <table class=\"s w767 h6f\" id=\"_dd0e1ec6-b4ac-4a12-8f40-0a3d5c60f963\"><tr><td class=\"t m0 x465 hb y115f ff2 fs7 fc3 sc0 ls0 ws0\">2025 <span class=\"ff4\">(hele tusen kroner)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xdf3 hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Herav </td><td class=\"t m0 xdf4 hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Opptjente </td><td class=\"t m0 x46c hb y1160 ff2 fs7 fc3 sc0 ls0 ws0\">Innbe-<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xdf5 hb y1161 ff2 fs7 fc3 sc0 ls0 ws0\">Sty-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xdf6 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn og andre </td><td class=\"t m0 xdf7 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">utbetalt </td><td class=\"t m0 x46b hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">pensjons- </td><td class=\"t m0 xdf8 hb y1162 ff2 fs7 fc3 sc0 ls0 ws0\">taling </td><td class=\"t m2 xdf9 hb y1163 ff2 fs7 fc3 sc0 ls0 ws0\">re-honorar </td><td></td><td class=\"t m0 xdfa hb y1163 ff2 fs7 fc3 sc0 ls0 ws0\">Antall <span class=\"_ _247\"></span> </td></tr><tr><td></td><td class=\"t m0 xdfb hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">kortsiktige ytelser </td><td class=\"t m0 xc1e hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">bonus </td><td class=\"t m0 xdfc hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">rettigheter </td><td class=\"t m0 xdfd hb y1164 ff2 fs7 fc3 sc0 ls0 ws0\">innskudds- </td><td class=\"t m2 xdfe hb y1165 ff2 fs7 fc3 sc0 ls0 ws0\">i d\u00f8tre og </td><td></td><td class=\"t m0 xdff hb y1165 ff2 fs7 fc3 sc0 ls0 ws0\">egenkapi-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">Navn<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe00 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">2)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe01 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">siste \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe02 hb y1166 ff2 fs7 fc3 sc0 ls0 ws0\">pensjon<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xe03 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">lignende<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe04 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe05 hb y1167 ff2 fs7 fc3 sc0 ls0 ws0\">tal bevis 1)<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y1168 w768 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ledergruppen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe06 y1168 w22a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12.294<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe07 y1168 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe08 y1168 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe09 y1168 w769 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.441<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0a y1168 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe0b y1168 w76a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39.335<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe0c y1168 w76b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21.381<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w511 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Styret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0d ye84 w76c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.698<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0e ye84 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe0f ye84 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe10 ye84 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe11 ye84 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe12 ye84 w76d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>9.093<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe13 ye84 w76e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8.<span class=\"_ _1\"></span>199<span class=\"_ _2cc\"> </span></div></td></tr></table>1) Antall egenkapitalbevis vedk<span class=\"_ _0\"></span>ommende eier i SpareBank 1 Ringerike Hadeland pr 31.<span class=\"_ _1\"></span>12. Det er ogs\u00e5 tatt med egenkapitalbevis tilh\u00f8rende den n\u00e6rmeste familie og foretak hv<span class=\"_ _0\"></span>or vedkommende selv eller n\u00e6rmeste familie har bestemmende innflytelse, jf r<span class=\"_ _0\"></span>egnskapsloven \u00a7 1-3, 2. ledd.<span class=\"_ _2cc\"> </span>2) Kun honorarer er inkludert i godtgj\u00f8relse til ansattevalgte styr<span class=\"_ _0\"></span>e- og representantskapsmedlemmer<span class=\"_ _2cc\"> </span>Ytelser til ledende ansatte og tillitsvalgte<span class=\"ff4\"> </span><table class=\"s w76f h70\" id=\"_ed418251-cfbc-420f-87b0-cf405e140b32\"><tr><td class=\"t m0 x465 hb y1169 ff2 fs7 fc3 sc0 ls0 ws0\">2024 <span class=\"ff4\">(hele tusen kroner)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td class=\"t m0 xdf3 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Herav </td><td class=\"t m0 xdf4 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Opptjente </td><td class=\"t m0 x46c hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Innbe-<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xdf5 hb y116a ff2 fs7 fc3 sc0 ls0 ws0\">Sty-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 xdf6 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">L\u00f8nn og andre </td><td class=\"t m0 xdf7 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">utbetalt </td><td class=\"t m0 x46b hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">pensjons- </td><td class=\"t m0 xdf8 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">taling </td><td class=\"t m2 xdf9 hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">re-honorar </td><td></td><td class=\"t m0 xdfa hb y116b ff2 fs7 fc3 sc0 ls0 ws0\">Antall <span class=\"_ _247\"></span> </td></tr><tr><td></td><td class=\"t m0 xdfb hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">kortsiktige ytelser </td><td class=\"t m0 xc1e hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">bonus </td><td class=\"t m0 xdfc hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">rettigheter </td><td class=\"t m0 xdfd hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">innskudds- </td><td class=\"t m2 xdfe hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">i d\u00f8tre og </td><td></td><td class=\"t m0 xdff hb y116c ff2 fs7 fc3 sc0 ls0 ws0\">egenkapi-<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"t m0 x465 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">Navn<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe00 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">2)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x470 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe01 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">siste \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe02 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">pensjon<span class=\"_ _2cc\"> </span></td><td class=\"t m2 xe03 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">lignende<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe04 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">L\u00e5n<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe05 hb y116d ff2 fs7 fc3 sc0 ls0 ws0\">tal bevis 1)<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 yf6a w768 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ledergruppen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe14 yf6a w770 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11.488<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe15 yf6a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe16 yf6a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe17 yf6a w35d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.281<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe18 yf6a w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe19 yf6a w771 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>37<span class=\"_ _1\"></span>.772<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x4dd yf6a w772 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">20.640<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w511 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Styret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1a ye84 w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.635<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1b ye84 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1c ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1d ye84 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe1e ye84 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n xe1f ye84 w773 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8.692<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xe20 ye84 w774 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _1\"></span>.396<span class=\"_ _2cc\"> </span></div></td></tr></table>1) Antall egenkapitalbevis vedk<span class=\"_ _0\"></span>ommende eier i SpareBank 1 Ringerike Hadeland pr 31.<span class=\"_ _1\"></span>12. Det er ogs\u00e5 tatt med egenkapitalbevis tilh\u00f8rende den n\u00e6rmeste familie og foretak hv<span class=\"_ _0\"></span>or vedkommende selv eller n\u00e6rmeste familie har bestemmende innflytelse, jf r<span class=\"_ _0\"></span>egnskapsloven \u00a7 1-3, 2. ledd.<span class=\"_ _2cc\"> </span>2) Kun honorarer er inkludert i godtgj\u00f8relse til ansattevalgte styr<span class=\"_ _0\"></span>e- og representantskapsmedlemmer<span class=\"_ _2cc\"> </span><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs637\">Det vises til \"Rapport godtgj\u00f8relse til ledende personer\" p\u00e5 bankens nettsider f<span class=\"_ _0\"></span>or n\u00e6rmere beskrivelse.<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 lsd ws19 gs638\">SP<span class=\"_ _1\"></span>AREPROGRAM FOR<span class=\"_ _0\"></span> ANSA<span class=\"_ _1\"></span>TTE<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs639\">Konsernet har siden 2022 hatt \u00e5rlige ett\u00e5rige Spar<span class=\"_ _0\"></span>eprogram for sine ansatte. F<span class=\"_ _0\"></span>or annethvert egenkapitalbevis </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs63a\">den ansatte kj\u00f8per gjennom spareordningen gir Spar<span class=\"_ _0\"></span>ebank 1 Ringerike Hadeland konsern den ansatte ett bonus-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs63b\">egenkapitalbevis. Tildelingen a<span class=\"_ _0\"></span>v \"bonusbevis\" skjer to \u00e5r etter kj\u00f8p av egenkapitalbe<span class=\"_ _0\"></span>vis i spareprogrammet og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs63c\">forutsetter at den ansatte f<span class=\"_ _0\"></span>ortsatt eier de opprinnelige oppsparte egenkapitalbevisene, samt fortsatt er ansatt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs63d\">i konsernet. Konsernets balansef\u00f8rte f<span class=\"_ _0\"></span>orpliktelse knyttet til kj\u00f8p av fremtidige bonusbe<span class=\"_ _0\"></span>vis var 3 mill. kroner per </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs63e\">31.<span class=\"_ _1\"></span>12.2025, hvorav  1,5 mill. kroner gjelder or<span class=\"_ _0\"></span>dningen i 2025<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-644": {
   "value": "Note 21 \u2013 Andre driftsk<span class=\"_ _0\"></span>ostnader<span class=\"_ _2cc\"> </span>Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>67<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>76<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>IT<span class=\"_ _0\"></span>-kostnader<span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>71<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Markedsf\u00f8ring<span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Ordin\u00e6re avskrivinger ( note 30 og 31)<span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(0)<span class=\"_ _2cc\"> </span>Formuesskatt<span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftskostnader faste eiendommer<span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Eksterne honorarer<span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>60<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>70<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>\u00d8vrige driftskostnader<span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>200<span class=\"_ gs33c\"> </span>Sum adm. kostn. og andre driftskostnader<span class=\"_ gs33c\"> </span>233<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>216<span class=\"_ gs33c\"> </span><span class=\"_ gs669\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs669\"> </span><span class=\"_ _a3\"> </span><span class=\"ff2\">Godtgj\u00f8relse til ekstern revisor <span class=\"_ _24e\"> </span></span><span class=\"_ gs669\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs669\"> </span><span class=\"_ gs33c\"> </span>2,0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1,8<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Lovp\u00e5lagt re<span class=\"_ _0\"></span>visjon<span class=\"_ gs33c\"> </span>2,4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>T<span class=\"_ _1\"></span>eknisk bistand<span class=\"_ gs33c\"> </span>0,1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Andre tjenester<span class=\"_ gs33c\"> </span>0,2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,0<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Sum (inklusiv mer<span class=\"_ _3\"></span>verdiav<span class=\"_ _0\"></span>gift)<span class=\"_ gs33c\"> </span>2,6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,5",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-731": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs641\">Note 22 \u2013 P<span class=\"_ _0\"></span>ensjoner<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls1 ws0 gs642\">Generell beskrivelse a<span class=\"_ _0\"></span>v konsernets pensjonsordninger </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs643\">Konsernet er pliktig til \u00e5 ha tjenestepensjonsor<span class=\"_ _0\"></span>dning </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs644\">etter lov om obligatorisk ytelsespensjon. <span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs645\">Konsernets pensjonsor<span class=\"_ _0\"></span>dninger tilfredsstiller krav<span class=\"_ _0\"></span>ene i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs646\">denne lov<span class=\"_ _1\"></span>. <span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs647\">Konsernet benytter IAS 19 v<span class=\"_ _0\"></span>ed beregning av sine pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws10 gs648\">sjonsforpliktelser<span class=\"_ _1\"></span>.<span class=\"ls0 ws0\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls1 ws0 gs649\">Ansatte i morbanken<span class=\"ff4 ls0 ws1d\"> <span class=\"_ _24a\"></span>    </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs64a\">Det eksisterer tre ulik<span class=\"_ _0\"></span>e ytelsesbaserte pensjonsord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs64b\">ninger for bank<span class=\"_ _0\"></span>ens ansatte, som stammer fra de tre </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs64c\">bankene, SpareBank 1 Gran, Spar<span class=\"_ _0\"></span>eBank 1 Ringerike og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs64d\">SpareBank 1 Jevnak<span class=\"_ _0\"></span>er Lunner f\u00f8r fusjonen i 2010. YTP-ord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs64e\">ningene administreres a<span class=\"_ _0\"></span>v hhv Storebrand, Ringerike </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs64f\">Pensjonskasse og Spar<span class=\"_ _0\"></span>eBank 1 Forsikring. De k<span class=\"_ _0\"></span>ollektive </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs650\">ytelsespensjonsordningene er lukket, og ansatte som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs651\">ikke er omfattet a<span class=\"_ _0\"></span>v disse inng\u00e5r i en innskuddspen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs652\">sjonsordning. Alle som er ansatt etter 1. juli 2010 inng\u00e5r i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws10 gs653\">innskuddspensjonsordningen.<span class=\"ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs654\">Styret i banken besluttet i april 2017 \u00e5 gjennomf\u00f8r<span class=\"_ _0\"></span>e en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs655\">2. gangslukking av bank<span class=\"_ _0\"></span>ens ytelsesbaserte pensjons<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs656\">ordninger med virkning fra 1. juli 2017<span class=\"_ _141\"></span>. Pensjonister og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs657\">ansatte f\u00f8dt til og med 1960 har blitt v\u00e6rende i ytelses<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs658\">ordningene, mens yngre \u00e5rsklasser er o<span class=\"_ _0\"></span>verf\u00f8rt bankens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs659\">innskuddspensjonsordning og kompensert f<span class=\"_ _0\"></span>or forskjel<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs65a\">len mellom ordningene.<span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs65b\">I tillegg kommer AFP (A<span class=\"_ _0\"></span>vtalefestet F\u00f8rtidspensjon) som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs65c\">gjelder alle ansatte. Banken har ogs\u00e5 udekk<span class=\"_ _0\"></span>ede pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs65d\">sjonsforpliktelser som finansieres o<span class=\"_ _0\"></span>ver driften.<span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs65e\">Ny AFP-ordning gjeldende fra 2011 skal regnsk<span class=\"_ _0\"></span>apsf\u00f8res </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs65f\">som en ytelsesbasert foretaksor<span class=\"_ _0\"></span>dning og finansieres </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs660\">gjennom en \u00e5rlig premie som fastsettes som en pro<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs661\">sent av l\u00f8nn. Det f<span class=\"_ _0\"></span>oreligger for<span class=\"_ _0\"></span>el\u00f8pig ikke tilgjengelig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs662\">informasjon f<span class=\"_ _0\"></span>or innregning av den ny<span class=\"_ _0\"></span>e forpliktelsen og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs663\">ordningen er derfor f<span class=\"_ _0\"></span>orel\u00f8pig behandlet som en inn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws10 gs664\">skuddspensjonsordning.<span class=\"ls0 ws0\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls1 ws0 gs665\">Ansatte i Eiendomsmegleren Ringerike Hadeland AS<span class=\"ff4 ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs666\">Alle ansatte (27) er tilsluttet ITP<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc3 sc0 ls1 ws0 gs667\">Ansatte i Sparebank 1 \u00d8konomihuset AS<span class=\"ff4 ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls1 ws0 gs668\">Alle ansatte (68) er tilsluttet ITP<span class=\"_ _2cc\"> </span><span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span></div><table class=\"s w790 h72\" id=\"_3a39ab5e-b6b9-47fc-8c21-08a6d9046d5c\"><tr><td class=\"c n x116 y1179 w791 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lukkede ytelsespensjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y1179 w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y1179 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf6a w794 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 yf6a w61 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4a yf6a w146 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w795 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonister<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4b ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4c ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w797 h73\" id=\"_55282d1b-a791-4420-b5ab-bbf18fc07e0a\"><tr><td class=\"c n x116 y117a w798 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Innskuddspensjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y117a w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y117a w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w794 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 ye84 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4d ye84 w799 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">276<span class=\"_ _2cc\"> </span></div></td></tr></table>Til grunn for beregning a<span class=\"_ _0\"></span>v kostnader og f<span class=\"_ _0\"></span>orpliktelser for lukket pensjonsor<span class=\"_ _0\"></span>dning ligger f\u00f8lgende forutsetninger<span class=\"_ _2cc\"> </span>:<span class=\"_ _2cc\"> </span><table class=\"s w79a h74\" id=\"_20401ddf-c62b-4992-bcc4-5c2edeb5d97a\"><tr><td class=\"c n x116 y117b w79b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8konomiske f<span class=\"_ _0\"></span>orutsetninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4e y117b w439 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4f y117b w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117c w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe50 y117c w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe51 y117c w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117d w79e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 midlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe52 y117d w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe53 y117d w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117e w79f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet fremtidig l\u00f8nnsutvikling<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe54 y117e w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe55 y117e w16e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,50 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117f w7a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet G-regulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe56 y117f w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe57 y117f w7a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,28 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1180 w7a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe58 y1180 w7a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,75%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe59 y1180 w7a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,25%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1181 w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5a y1181 w7a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5b y1181 w7a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1182 w7a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansskatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5c y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5d y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xe5e ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td><td class=\"t m0 xe5f ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td></tr><tr><td class=\"t m0 x51f ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet frivillig av<span class=\"_ _0\"></span>gang<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe60 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe61 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td></tr><tr><td></td><td class=\"t m0 xe62 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td><td class=\"t m0 xe63 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x51f ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet AFP-uttak fra 62 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe64 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe65 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y10f1 w7ab h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet uf\u00f8rhetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe66 y10f1 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR02<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe67 y10f1 w7ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR73<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet d\u00f8delighetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe68 ye84 w7af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe69 ye84 w7b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td></tr></table>De tidspunkt som er angitt ovenf<span class=\"_ _0\"></span>or angir fra hvilket tidspunkt forpliktelsen beregnes med endr<span class=\"_ _0\"></span>ede forutsetninger<span class=\"_ _1\"></span>. Dette inneb\u00e6rer eksempelvis at pensjonsforpliktelsen per 31.<span class=\"_ _1\"></span>12.2025 er neddiskontert med de forutsetninger som gjelder 01.01.2026, mens \u00e5rskostnaden f<span class=\"_ _0\"></span>or 2025 er basert p\u00e5 de forutsetninger som gjaldt ved \u00e5rets begynnelse<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span>Netto pensjonsforpliktelse i balansen<span class=\"_ _2cc\"> </span><table class=\"s w7b1 h75\" id=\"_70ea0707-e814-455f-a01e-c21019bbdd4f\"><tr><td class=\"c n x116 y1187 w7b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _152\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xe6a y1187 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe6b y1187 w7b4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _1\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 yf66 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e yf66 w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 yf66 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe72 y1188 w7b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 y1188 w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe74 y1188 w7bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe75 y1188 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212201<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe76 y1188 w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe77 y1188 w15a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212240<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1189 w7bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdi pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe78 y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe79 y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7a y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7b y1189 w1bf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7c y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7d y1189 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7bd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7e yf2b wb0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 yf2b w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7f yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe80 yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe81 yf2b w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe82 yf2b w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe86 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe87 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe88 ye84 wae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe89 ye84 w185 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221237<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8a ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8b ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8c ye84 w7c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8d ye84 w7c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15<span class=\"_ _2cc\"> </span></div></td></tr></table>\u00c5rets pensjonskostnad<span class=\"_ _2cc\"> </span><table class=\"s w7c2 h76\" id=\"_99d777be-8b27-47b6-9ebb-41695cfd776e\"><tr><td class=\"c n x116 y118a w7c3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _1da\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _e8\"> </span></span></div></td><td></td><td class=\"c n xe8e y118a w7c4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _fe\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe8f y118a w7c5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118c w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y118c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y118c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118d w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y118d wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y118d w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y118d w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y118d wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y118d w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y118d w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1188 w7cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1188 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1188 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1188 w87 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1188 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1188 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf2b w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf2b w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf2b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf2b w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf2b w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf2b w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf2c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb0 yf2c w7cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb1 yf2c w7d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb2 yf2c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb3 yf2c w11f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb4 yf2c w120 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb6 ye84 w7d3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb7 ye84 w163 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb8 ye84 wf3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb9 ye84 w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeba ye84 w7d4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w7c2 h77\" id=\"_a3999a54-2bb4-43f9-948b-12223651530f\"><tr><td class=\"c n x116 y1190 w7d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _149\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xebb y1190 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xebc y1190 w7d6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1191 w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y1191 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y1191 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1192 w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y1192 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y1192 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y1192 w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y1192 wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y1192 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y1192 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1193 w7cb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1193 w7cc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1193 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1193 w3b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1193 w87 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1193 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1193 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf50 w7cd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf50 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf50 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf50 w159 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf50 w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf50 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w7ce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebd yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebe yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebf yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec0 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec1 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec2 ye84 w7d7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec3 ye84 w7d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec4 ye84 w7d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec5 ye84 w7da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec6 ye84 w7db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr></table>Sensitivitet konsern 2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span><table class=\"s w7dc h78\" id=\"_11073c2c-a017-417f-a8ea-156d2d50a2f1\"><tr><td class=\"c n x116 y1194 w7dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1195 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec9 y1195 w340 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">219<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeca y1195 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecb y1196 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecc y1196 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">198<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecd y1197 w7e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xece y1197 w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1198 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecf y1199 w7e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd05 y1199 w7e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119a w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y119a w7e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed1 y119a w545 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed2 y119b w7e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,4 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed3 y119b w16a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed5 y119d wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed6 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x887 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119f w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y119f wad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y119f w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a0 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed9 y115d w7e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeda y115d w7e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y10f7 w5f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedb y10f7 w7e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedc ye84 w71e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedd ye84 w7ea h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,7 %<span class=\"_ _2cc\"> </span></div></td></tr></table>Sensitivitet konsern 2024<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span><table class=\"s w7eb h78\" id=\"_903c20fe-a29e-472c-9d74-470ed5ee0452\"><tr><td class=\"c n x116 y1194 w7dd h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a1 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xede y11a1 w7ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">224<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedf y11a1 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee0 y1196 w33e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb79 y1196 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">202<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee1 y1197 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee2 y1197 w632 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">214<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a2 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee3 y1199 w7ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13,2 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee4 y1199 w7ee h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>10,9 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a3 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee5 y11a3 w7ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee6 y11a3 w7f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,8 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee7 y119b w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-10,6 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee8 y119b w7f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee9 y119d wcb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeea y119e w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeeb y119e wda h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a4 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y11a4 wad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y11a4 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a5 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeec y115d w7f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeed y115d w66b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeee y10f7 w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeef y10f7 w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,4 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef0 ye84 w2ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef1 ye84 w7f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-643": {
   "value": "Note 22 \u2013 P<span class=\"_ _0\"></span>ensjoner<span class=\"_ _2cc\"> </span>Generell beskrivelse a<span class=\"_ _0\"></span>v konsernets pensjonsordninger Konsernet er pliktig til \u00e5 ha tjenestepensjonsor<span class=\"_ _0\"></span>dning etter lov om obligatorisk ytelsespensjon. <span class=\"ls0\"> </span>Konsernets pensjonsor<span class=\"_ _0\"></span>dninger tilfredsstiller krav<span class=\"_ _0\"></span>ene i denne lov<span class=\"_ _1\"></span>. <span class=\"ls0\"> </span>Konsernet benytter IAS 19 v<span class=\"_ _0\"></span>ed beregning av sine pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsforpliktelser<span class=\"_ _1\"></span>.<span class=\"ls0 ws0\"> </span>Ansatte i morbanken<span class=\"ff4 ls0 ws1d\"> <span class=\"_ _24a\"></span>    </span>Det eksisterer tre ulik<span class=\"_ _0\"></span>e ytelsesbaserte pensjonsord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ninger for bank<span class=\"_ _0\"></span>ens ansatte, som stammer fra de tre bankene, SpareBank 1 Gran, Spar<span class=\"_ _0\"></span>eBank 1 Ringerike og SpareBank 1 Jevnak<span class=\"_ _0\"></span>er Lunner f\u00f8r fusjonen i 2010. YTP-ord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ningene administreres a<span class=\"_ _0\"></span>v hhv Storebrand, Ringerike Pensjonskasse og Spar<span class=\"_ _0\"></span>eBank 1 Forsikring. De k<span class=\"_ _0\"></span>ollektive ytelsespensjonsordningene er lukket, og ansatte som ikke er omfattet a<span class=\"_ _0\"></span>v disse inng\u00e5r i en innskuddspen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsordning. Alle som er ansatt etter 1. juli 2010 inng\u00e5r i innskuddspensjonsordningen.<span class=\"ls0 ws0\"> </span>Styret i banken besluttet i april 2017 \u00e5 gjennomf\u00f8r<span class=\"_ _0\"></span>e en 2. gangslukking av bank<span class=\"_ _0\"></span>ens ytelsesbaserte pensjons<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordninger med virkning fra 1. juli 2017<span class=\"_ _141\"></span>. Pensjonister og ansatte f\u00f8dt til og med 1960 har blitt v\u00e6rende i ytelses<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordningene, mens yngre \u00e5rsklasser er o<span class=\"_ _0\"></span>verf\u00f8rt bankens innskuddspensjonsordning og kompensert f<span class=\"_ _0\"></span>or forskjel<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>len mellom ordningene.<span class=\"ls0\"> </span>I tillegg kommer AFP (A<span class=\"_ _0\"></span>vtalefestet F\u00f8rtidspensjon) som gjelder alle ansatte. Banken har ogs\u00e5 udekk<span class=\"_ _0\"></span>ede pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsforpliktelser som finansieres o<span class=\"_ _0\"></span>ver driften.<span class=\"ls0\"> </span>Ny AFP-ordning gjeldende fra 2011 skal regnsk<span class=\"_ _0\"></span>apsf\u00f8res som en ytelsesbasert foretaksor<span class=\"_ _0\"></span>dning og finansieres gjennom en \u00e5rlig premie som fastsettes som en pro<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sent av l\u00f8nn. Det f<span class=\"_ _0\"></span>oreligger for<span class=\"_ _0\"></span>el\u00f8pig ikke tilgjengelig informasjon f<span class=\"_ _0\"></span>or innregning av den ny<span class=\"_ _0\"></span>e forpliktelsen og ordningen er derfor f<span class=\"_ _0\"></span>orel\u00f8pig behandlet som en inn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>skuddspensjonsordning.<span class=\"ls0 ws0\"> </span>Ansatte i Eiendomsmegleren Ringerike Hadeland AS<span class=\"ff4 ls0\"> </span>Alle ansatte (27) er tilsluttet ITP<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span>Ansatte i Sparebank 1 \u00d8konomihuset AS<span class=\"ff4 ls0\"> </span>Alle ansatte (68) er tilsluttet ITP<span class=\"_ _2cc\"> </span><span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span><table class=\"s w790 h72\" id=\"_3a39ab5e-b6b9-47fc-8c21-08a6d9046d5c\"><tr><td class=\"c n x116 y1179 w791 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lukkede ytelsespensjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y1179 w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y1179 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf6a w794 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 yf6a w61 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4a yf6a w146 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w795 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonister<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4b ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4c ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w797 h73\" id=\"_55282d1b-a791-4420-b5ab-bbf18fc07e0a\"><tr><td class=\"c n x116 y117a w798 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Innskuddspensjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y117a w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y117a w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w794 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 ye84 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4d ye84 w799 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">276<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs66f\">Til grunn for beregning a<span class=\"_ _0\"></span>v kostnader og f<span class=\"_ _0\"></span>orpliktelser for lukket pensjonsor<span class=\"_ _0\"></span>dning ligger f\u00f8lgende forutsetninger<span class=\"_ _2cc\"> </span>:<span class=\"_ _2cc\"> </span></div><table class=\"s w79a h74\" id=\"_20401ddf-c62b-4992-bcc4-5c2edeb5d97a\"><tr><td class=\"c n x116 y117b w79b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8konomiske f<span class=\"_ _0\"></span>orutsetninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4e y117b w439 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4f y117b w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117c w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe50 y117c w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe51 y117c w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117d w79e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 midlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe52 y117d w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe53 y117d w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117e w79f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet fremtidig l\u00f8nnsutvikling<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe54 y117e w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe55 y117e w16e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,50 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117f w7a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet G-regulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe56 y117f w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe57 y117f w7a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,28 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1180 w7a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe58 y1180 w7a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,75%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe59 y1180 w7a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,25%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1181 w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5a y1181 w7a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5b y1181 w7a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1182 w7a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansskatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5c y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5d y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xe5e ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td><td class=\"t m0 xe5f ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td></tr><tr><td class=\"t m0 x51f ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet frivillig av<span class=\"_ _0\"></span>gang<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe60 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe61 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td></tr><tr><td></td><td class=\"t m0 xe62 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td><td class=\"t m0 xe63 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x51f ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet AFP-uttak fra 62 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe64 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe65 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y10f1 w7ab h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet uf\u00f8rhetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe66 y10f1 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR02<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe67 y10f1 w7ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR73<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet d\u00f8delighetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe68 ye84 w7af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe69 ye84 w7b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs673\">De tidspunkt som er angitt ovenf<span class=\"_ _0\"></span>or angir fra hvilket tidspunkt forpliktelsen beregnes med endr<span class=\"_ _0\"></span>ede forutsetninger<span class=\"_ _1\"></span>. </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs674\">Dette inneb\u00e6rer eksempelvis at pensjonsforpliktelsen per 31.<span class=\"_ _1\"></span>12.2025 er neddiskontert med de forutsetninger som </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs675\">gjelder 01.01.2026, mens \u00e5rskostnaden f<span class=\"_ _0\"></span>or 2025 er basert p\u00e5 de forutsetninger som gjaldt ved \u00e5rets begynnelse<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span></div>Netto pensjonsforpliktelse i balansen<span class=\"_ _2cc\"> </span><table class=\"s w7b1 h75\" id=\"_70ea0707-e814-455f-a01e-c21019bbdd4f\"><tr><td class=\"c n x116 y1187 w7b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _152\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xe6a y1187 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe6b y1187 w7b4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _1\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 yf66 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e yf66 w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 yf66 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe72 y1188 w7b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 y1188 w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe74 y1188 w7bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe75 y1188 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212201<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe76 y1188 w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe77 y1188 w15a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212240<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1189 w7bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdi pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe78 y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe79 y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7a y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7b y1189 w1bf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7c y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7d y1189 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7bd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7e yf2b wb0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 yf2b w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7f yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe80 yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe81 yf2b w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe82 yf2b w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe86 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe87 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe88 ye84 wae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe89 ye84 w185 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221237<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8a ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8b ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8c ye84 w7c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8d ye84 w7c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15<span class=\"_ _2cc\"> </span></div></td></tr></table>\u00c5rets pensjonskostnad<span class=\"_ _2cc\"> </span><table class=\"s w7c2 h76\" id=\"_99d777be-8b27-47b6-9ebb-41695cfd776e\"><tr><td class=\"c n x116 y118a w7c3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _1da\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _e8\"> </span></span></div></td><td></td><td class=\"c n xe8e y118a w7c4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _fe\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe8f y118a w7c5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118c w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y118c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y118c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118d w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y118d wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y118d w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y118d w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y118d wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y118d w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y118d w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1188 w7cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1188 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1188 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1188 w87 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1188 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1188 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf2b w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf2b w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf2b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf2b w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf2b w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf2b w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf2c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb0 yf2c w7cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb1 yf2c w7d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb2 yf2c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb3 yf2c w11f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb4 yf2c w120 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb6 ye84 w7d3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb7 ye84 w163 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb8 ye84 wf3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb9 ye84 w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeba ye84 w7d4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w7c2 h77\" id=\"_a3999a54-2bb4-43f9-948b-12223651530f\"><tr><td class=\"c n x116 y1190 w7d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _149\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xebb y1190 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xebc y1190 w7d6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1191 w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y1191 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y1191 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1192 w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y1192 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y1192 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y1192 w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y1192 wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y1192 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y1192 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1193 w7cb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1193 w7cc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1193 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1193 w3b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1193 w87 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1193 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1193 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf50 w7cd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf50 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf50 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf50 w159 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf50 w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf50 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w7ce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebd yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebe yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebf yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec0 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec1 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec2 ye84 w7d7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec3 ye84 w7d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec4 ye84 w7d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec5 ye84 w7da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec6 ye84 w7db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr></table><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs67b\">Sensitivitet konsern 2025<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs67c\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div><div class=\"gs67d\"><table class=\"s w7dc h78\" id=\"_11073c2c-a017-417f-a8ea-156d2d50a2f1\"><tr><td class=\"c n x116 y1194 w7dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1195 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec9 y1195 w340 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">219<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeca y1195 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecb y1196 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecc y1196 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">198<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecd y1197 w7e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xece y1197 w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1198 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecf y1199 w7e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd05 y1199 w7e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119a w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y119a w7e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed1 y119a w545 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed2 y119b w7e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,4 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed3 y119b w16a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed5 y119d wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed6 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x887 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119f w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y119f wad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y119f w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a0 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed9 y115d w7e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeda y115d w7e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y10f7 w5f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedb y10f7 w7e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedc ye84 w71e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedd ye84 w7ea h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,7 %<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs67f\">Sensitivitet konsern 2024<span class=\"_ _2cc\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs680\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div><div class=\"gs681\"><table class=\"s w7eb h78\" id=\"_903c20fe-a29e-472c-9d74-470ed5ee0452\"><tr><td class=\"c n x116 y1194 w7dd h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a1 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xede y11a1 w7ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">224<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedf y11a1 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee0 y1196 w33e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb79 y1196 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">202<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee1 y1197 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee2 y1197 w632 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">214<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a2 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee3 y1199 w7ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13,2 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee4 y1199 w7ee h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>10,9 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a3 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee5 y11a3 w7ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee6 y11a3 w7f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,8 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee7 y119b w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-10,6 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee8 y119b w7f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee9 y119d wcb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeea y119e w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeeb y119e wda h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a4 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y11a4 wad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y11a4 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a5 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeec y115d w7f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeed y115d w66b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeee y10f7 w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeef y10f7 w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,4 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef0 ye84 w2ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef1 ye84 w7f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-694": {
   "value": "Note 22 \u2013 P<span class=\"_ _0\"></span>ensjoner<span class=\"_ _2cc\"> </span>Generell beskrivelse a<span class=\"_ _0\"></span>v konsernets pensjonsordninger Konsernet er pliktig til \u00e5 ha tjenestepensjonsor<span class=\"_ _0\"></span>dning etter lov om obligatorisk ytelsespensjon. <span class=\"ls0\"> </span>Konsernets pensjonsor<span class=\"_ _0\"></span>dninger tilfredsstiller krav<span class=\"_ _0\"></span>ene i denne lov<span class=\"_ _1\"></span>. <span class=\"ls0\"> </span>Konsernet benytter IAS 19 v<span class=\"_ _0\"></span>ed beregning av sine pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsforpliktelser<span class=\"_ _1\"></span>.<span class=\"ls0 ws0\"> </span>Ansatte i morbanken<span class=\"ff4 ls0 ws1d\"> <span class=\"_ _24a\"></span>    </span>Det eksisterer tre ulik<span class=\"_ _0\"></span>e ytelsesbaserte pensjonsord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ninger for bank<span class=\"_ _0\"></span>ens ansatte, som stammer fra de tre bankene, SpareBank 1 Gran, Spar<span class=\"_ _0\"></span>eBank 1 Ringerike og SpareBank 1 Jevnak<span class=\"_ _0\"></span>er Lunner f\u00f8r fusjonen i 2010. YTP-ord<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ningene administreres a<span class=\"_ _0\"></span>v hhv Storebrand, Ringerike Pensjonskasse og Spar<span class=\"_ _0\"></span>eBank 1 Forsikring. De k<span class=\"_ _0\"></span>ollektive ytelsespensjonsordningene er lukket, og ansatte som ikke er omfattet a<span class=\"_ _0\"></span>v disse inng\u00e5r i en innskuddspen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsordning. Alle som er ansatt etter 1. juli 2010 inng\u00e5r i innskuddspensjonsordningen.<span class=\"ls0 ws0\"> </span>Styret i banken besluttet i april 2017 \u00e5 gjennomf\u00f8r<span class=\"_ _0\"></span>e en 2. gangslukking av bank<span class=\"_ _0\"></span>ens ytelsesbaserte pensjons<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordninger med virkning fra 1. juli 2017<span class=\"_ _141\"></span>. Pensjonister og ansatte f\u00f8dt til og med 1960 har blitt v\u00e6rende i ytelses<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ordningene, mens yngre \u00e5rsklasser er o<span class=\"_ _0\"></span>verf\u00f8rt bankens innskuddspensjonsordning og kompensert f<span class=\"_ _0\"></span>or forskjel<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>len mellom ordningene.<span class=\"ls0\"> </span>I tillegg kommer AFP (A<span class=\"_ _0\"></span>vtalefestet F\u00f8rtidspensjon) som gjelder alle ansatte. Banken har ogs\u00e5 udekk<span class=\"_ _0\"></span>ede pen<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sjonsforpliktelser som finansieres o<span class=\"_ _0\"></span>ver driften.<span class=\"ls0\"> </span>Ny AFP-ordning gjeldende fra 2011 skal regnsk<span class=\"_ _0\"></span>apsf\u00f8res som en ytelsesbasert foretaksor<span class=\"_ _0\"></span>dning og finansieres gjennom en \u00e5rlig premie som fastsettes som en pro<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>sent av l\u00f8nn. Det f<span class=\"_ _0\"></span>oreligger for<span class=\"_ _0\"></span>el\u00f8pig ikke tilgjengelig informasjon f<span class=\"_ _0\"></span>or innregning av den ny<span class=\"_ _0\"></span>e forpliktelsen og ordningen er derfor f<span class=\"_ _0\"></span>orel\u00f8pig behandlet som en inn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>skuddspensjonsordning.<span class=\"ls0 ws0\"> </span>Ansatte i Eiendomsmegleren Ringerike Hadeland AS<span class=\"ff4 ls0\"> </span>Alle ansatte (27) er tilsluttet ITP<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span>Ansatte i Sparebank 1 \u00d8konomihuset AS<span class=\"ff4 ls0\"> </span>Alle ansatte (68) er tilsluttet ITP<span class=\"_ _2cc\"> </span><span class=\"_ _141\"></span>.<span class=\"_ _2cc\"> </span><table class=\"s w790 h72\" id=\"_3a39ab5e-b6b9-47fc-8c21-08a6d9046d5c\"><tr><td class=\"c n x116 y1179 w791 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Lukkede ytelsespensjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y1179 w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y1179 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf6a w794 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 yf6a w61 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4a yf6a w146 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w795 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonister<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4b ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4c ye84 w796 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">114<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w797 h73\" id=\"_55282d1b-a791-4420-b5ab-bbf18fc07e0a\"><tr><td class=\"c n x116 y117a w798 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Innskuddspensjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe47 y117a w792 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe48 y117a w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w794 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansatte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe49 ye84 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4d ye84 w799 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">276<span class=\"_ _2cc\"> </span></div></td></tr></table>Til grunn for beregning a<span class=\"_ _0\"></span>v kostnader og f<span class=\"_ _0\"></span>orpliktelser for lukket pensjonsor<span class=\"_ _0\"></span>dning ligger f\u00f8lgende forutsetninger<span class=\"_ _2cc\"> </span>:<span class=\"_ _2cc\"> </span><table class=\"s w79a h74\" id=\"_20401ddf-c62b-4992-bcc4-5c2edeb5d97a\"><tr><td class=\"c n x116 y117b w79b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00d8konomiske f<span class=\"_ _0\"></span>orutsetninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4e y117b w439 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe4f y117b w42a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">01.01.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117c w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe50 y117c w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe51 y117c w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117d w79e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 midlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe52 y117d w79d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,90 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe53 y117d w251 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117e w79f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet fremtidig l\u00f8nnsutvikling<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe54 y117e w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe55 y117e w16e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,50 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y117f w7a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet G-regulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe56 y117f w7a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,75 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe57 y117f w7a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3,28 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1180 w7a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe58 y1180 w7a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,75%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe59 y1180 w7a5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,8%/3,25%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1181 w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5a y1181 w7a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5b y1181 w7a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14,<span class=\"_ _1\"></span>10 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1182 w7a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Finansskatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5c y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe5d y1182 w7aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5,00 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"t m0 xe5e ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td><td class=\"t m0 xe5f ha y1183 ff4 fs7 fc3 sc0 ls0 ws0\">5% nedtrappes til </td></tr><tr><td class=\"t m0 x51f ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet frivillig av<span class=\"_ _0\"></span>gang<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe60 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe61 ha y1184 ff4 fs7 fc3 sc0 ls0 ws0\">0% fra 50 \u00e5r<span class=\"_ _2cc\"> </span></td></tr><tr><td></td><td class=\"t m0 xe62 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td><td class=\"t m0 xe63 ha y1185 ff4 fs7 fc3 sc0 ls0 ws0\">Ulike for de ulik<span class=\"_ _0\"></span>e </td></tr><tr><td class=\"t m0 x51f ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">Forventet AFP-uttak fra 62 \u00e5r<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe64 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xe65 ha y1186 ff4 fs7 fc3 sc0 ls0 ws0\">\"ordningene\"<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y10f1 w7ab h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet uf\u00f8rhetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe66 y10f1 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR02<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe67 y10f1 w7ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">IR73<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Benyttet d\u00f8delighetstabell<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe68 ye84 w7af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe69 ye84 w7b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">K2013BE<span class=\"_ _2cc\"> </span></div></td></tr></table>De tidspunkt som er angitt ovenf<span class=\"_ _0\"></span>or angir fra hvilket tidspunkt forpliktelsen beregnes med endr<span class=\"_ _0\"></span>ede forutsetninger<span class=\"_ _1\"></span>. Dette inneb\u00e6rer eksempelvis at pensjonsforpliktelsen per 31.<span class=\"_ _1\"></span>12.2025 er neddiskontert med de forutsetninger som gjelder 01.01.2026, mens \u00e5rskostnaden f<span class=\"_ _0\"></span>or 2025 er basert p\u00e5 de forutsetninger som gjaldt ved \u00e5rets begynnelse<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span>Netto pensjonsforpliktelse i balansen<span class=\"_ _2cc\"> </span><table class=\"s w7b1 h75\" id=\"_70ea0707-e814-455f-a01e-c21019bbdd4f\"><tr><td class=\"c n x116 y1187 w7b2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK/<span class=\"_ _0\"></span> KONSERN<span class=\"_ _152\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xe6a y1187 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe6b y1187 w7b4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _1\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 yf66 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e yf66 w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f yf66 w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 yf66 w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 yf66 w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7b8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe72 y1188 w7b9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 y1188 w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe74 y1188 w7bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe75 y1188 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212201<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe76 y1188 w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe77 y1188 w15a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212240<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1189 w7bc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdi pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe78 y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe79 y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7a y1189 w54 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">270<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7b y1189 w1bf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7c y1189 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7d y1189 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">254<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7bd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7e yf2b wb0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe73 yf2b w7ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe7f yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe80 yf2b w2f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe81 yf2b w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221239<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe82 yf2b w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 yf2c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 yf2c w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe86 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe87 yf2c w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rte pensjonsforpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe88 ye84 wae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">72<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe89 ye84 w185 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221237<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8a ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8b ye84 w7bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">53<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8c ye84 w7c0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe8d ye84 w7c1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15<span class=\"_ _2cc\"> </span></div></td></tr></table>\u00c5rets pensjonskostnad<span class=\"_ _2cc\"> </span><table class=\"s w7c2 h76\" id=\"_99d777be-8b27-47b6-9ebb-41695cfd776e\"><tr><td class=\"c n x116 y118a w7c3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _1da\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _e8\"> </span></span></div></td><td></td><td class=\"c n xe8e y118a w7c4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _fe\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xe8f y118a w7c5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118c w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y118c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y118c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y118c w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118d w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y118d wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y118d w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y118d w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y118d wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y118d w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y118d w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1188 w7cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1188 w7cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1188 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1188 w3b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1188 w87 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1188 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1188 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2b w7cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf2b w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf2b w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf2b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf2b w159 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf2b w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf2b w1bb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf2c w7ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf2c w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb0 yf2c w7cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb1 yf2c w7d0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb2 yf2c w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb3 yf2c w11f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb4 yf2c w120 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb6 ye84 w7d3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb7 ye84 w163 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb8 ye84 wf3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb9 ye84 w114 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeba ye84 w7d4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221213<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w7c2 h77\" id=\"_a3999a54-2bb4-43f9-948b-12223651530f\"><tr><td class=\"c n x116 y1190 w7d5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _149\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _1ae\"> </span></span></div></td><td></td><td class=\"c n xebb y1190 w7b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ gs33e\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _228\"> </span></div></td><td></td><td></td><td class=\"c n xebc y1190 w7d6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33e\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y118b w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6c y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6d y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6e y118b w7b7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe6f y118b w7b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe70 y118b w7b6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe71 y118b w41b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1191 w7c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">N\u00e5verdi a<span class=\"_ _0\"></span>v \u00e5rets pensjonsopptjening<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe90 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe91 y1191 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe92 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe93 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe94 y1191 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe95 y1191 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1192 w7c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Rentek<span class=\"_ _0\"></span>ostnad p\u00e5 pensjonsforpliktelsen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe96 y1192 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe97 y1192 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe98 y1192 w7c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe99 y1192 wa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9a y1192 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9b y1192 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118e w7c9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Planendring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9c y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9d y118e w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9e y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe9f y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea0 y118e w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea1 y118e w7ca h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1193 w7cb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forventet avkastning p\u00e5 pensjonsmidlene<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea2 y1193 w7cc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea3 y1193 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea4 y1193 w3b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea5 y1193 w87 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea6 y1193 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xc5a y1193 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y118f w7a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Arbeidsgiverav<span class=\"_ _0\"></span>gift<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe83 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe84 y118f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x38e y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xe85 y118f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea7 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea8 y118f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf50 w7cd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum ytelsesbaserte ordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xea9 yf50 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaa yf50 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeab yf50 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeac yf50 w159 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xead yf50 w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeae yf50 w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221225<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yf51 w7ce h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskuddsbaserte pensjonsordninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeaf yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebd yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebe yf51 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xebf yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec0 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec1 yf51 w21 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto pensjonskostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeb5 ye84 w7d2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec2 ye84 w7d7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec3 ye84 w7d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">23<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec4 ye84 w7d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u221227<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec5 ye84 w7da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">20<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec6 ye84 w7db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr></table>Sensitivitet konsern 2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span><table class=\"s w7dc h78\" id=\"_11073c2c-a017-417f-a8ea-156d2d50a2f1\"><tr><td class=\"c n x116 y1194 w7dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1195 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec9 y1195 w340 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">219<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeca y1195 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecb y1196 w151 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">197<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecc y1196 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">198<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecd y1197 w7e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">179<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xece y1197 w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y1198 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xecf y1199 w7e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _0\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd05 y1199 w7e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119a w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y119a w7e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed1 y119a w545 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed2 y119b w7e5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-9,4 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed3 y119b w16a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed5 y119d wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed6 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x887 y119e wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119f w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y119f wad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y119f w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a0 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed9 y115d w7e7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeda y115d w7e8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _2\"></span>7<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed0 y10f7 w5f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedb y10f7 w7e9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedc ye84 w71e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 lsf ws1e\">-<span class=\"_ _3\"></span>7,<span class=\"_ _3\"></span>1<span class=\"_ _2\"></span> %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedd ye84 w7ea h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8,7 %<span class=\"_ _2cc\"> </span></div></td></tr></table>Sensitivitet konsern 2024<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span><table class=\"s w7eb h78\" id=\"_903c20fe-a29e-472c-9d74-470ed5ee0452\"><tr><td class=\"c n x116 y1194 w7dd h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y1194 w7de h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y1194 w33a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a1 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xede y11a1 w7ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">224<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xedf y11a1 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1196 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee0 y1196 w33e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb79 y1196 w445 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">202<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1197 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee1 y1197 w1e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">181<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee2 y1197 w632 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">214<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a2 ff2 fs7 fc3 sc0 ls0 ws0\">Sikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y1199 w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee3 y1199 w7ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13,2 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee4 y1199 w7ee h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-<span class=\"_ _0\"></span>10,9 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a3 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee5 y11a3 w7ef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-0,8 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee6 y11a3 w7f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,8 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119b w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee7 y119b w4dd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-10,6 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee8 y119b w7f1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12,5 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119c w7e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec7 y119c w7de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">-1,0 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xec8 y119c w33a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">+1,0%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed4 y119d w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xee9 y119d wcb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y119e w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeea y119e w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeeb y119e wda h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11a4 w7e0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed7 y11a4 wad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xed8 y11a4 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11a5 ff2 fs7 fc3 sc0 ls0 ws0\">Usikret ordning PBO (%)<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y115d w79c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diskonteringsrente<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeec y115d w7f2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,5 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeed y115d w66b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,3 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y10f7 w7df h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeee y10f7 w545 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,3 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeef y10f7 w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,4 %<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w7e0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsregulering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef0 ye84 w2ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">-8,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef1 ye84 w7f4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11,<span class=\"_ _1\"></span>1 %<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-695": {
   "value": "Morbank<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>67<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>76<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>IT<span class=\"_ _0\"></span>-kostnader<span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>71<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Markedsf\u00f8ring<span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Ordin\u00e6re avskrivinger ( note 30 og 31)<span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(0)<span class=\"_ _2cc\"> </span>Formuesskatt<span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Driftskostnader faste eiendommer<span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Eksterne honorarer<span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>21<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>60<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>70<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>\u00d8vrige driftskostnader<span class=\"_ gs33c\"> </span>83<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>200<span class=\"_ gs33c\"> </span>Sum adm. kostn. og andre driftskostnader<span class=\"_ gs33c\"> </span>233<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>216<span class=\"_ gs33c\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-696": {
   "value": "<span class=\"_ gs669\"> </span><span class=\"_ _21\"> </span><span class=\"_ gs669\"> </span><span class=\"_ _a3\"> </span><span class=\"ff2\">Godtgj\u00f8relse til ekstern revisor <span class=\"_ _24e\"> </span></span><span class=\"_ gs669\"> </span><span class=\"_ _1d1\"> </span><span class=\"_ gs669\"> </span><span class=\"_ gs33c\"> </span>2,0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1,8<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Lovp\u00e5lagt re<span class=\"_ _0\"></span>visjon<span class=\"_ gs33c\"> </span>2,4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _0\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>T<span class=\"_ _1\"></span>eknisk bistand<span class=\"_ gs33c\"> </span>0,1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,2<span class=\"_ gs33c\"> </span><span class=\"_ _142\"> </span>Andre tjenester<span class=\"_ gs33c\"> </span>0,2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0,<span class=\"_ _1\"></span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,0<span class=\"_ gs33c\"> </span><span class=\"_ _1ff\"> </span>Sum (inklusiv mer<span class=\"_ _3\"></span>verdiav<span class=\"_ _0\"></span>gift)<span class=\"_ gs33c\"> </span>2,6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2,5<span class=\"_ gs33c\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-645": {
   "value": "Note 23 \u2013 Skatt<span class=\"_ _2cc\"> </span><table class=\"s w7f5 h79\" id=\"_62a4e939-1bcd-4af4-8ec6-55946cb9137d\"><tr><td class=\"c n xd7e y11a6 w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n xd87 y11a6 w99 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y11a7 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11a7 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y11a7 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y11a7 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y11a7 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11a8 w2d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef2 y11a8 w7f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">838<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef3 y11a8 w7f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skattekostnad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef4 y11a8 w361 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">905<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef5 y11a8 w637 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">800<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xef6 y11a9 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212109<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef7 y11a9 w7f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef8 y11a9 w7f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/-permanente forskjeller *<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef9 y11a9 w118 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212115<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefa y11a9 w80 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221270<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y11aa we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221266<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefb y11aa w17c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefc y11aa w7fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- endring midlertidige forskjeller i henhold til spesifikasjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefd y11aa w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221236<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefe y11aa w7fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221265<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11ab w617 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeff y11ab w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf00 y11ab w7fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- herav f\u00f8rt direkte mot egenkapitalen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf01 y11ab w11f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf02 y11ab wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y11ac w78c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf03 y11ac w7fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">656<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf04 y11ac w7fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5rets skattegrunnlag/skattepliktig inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf05 y11ac w7ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf06 y11ac w78c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">694<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ad w53 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf07 y11ad w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf08 y11ad w800 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Herav betalbar skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf09 y11ad w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0a y11ad w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ae w6e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0b y11ae w762 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0c y11ae w801 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Betalbar skatt i balansen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0d y11ae w802 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0e y11ae w161 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11af w53 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf07 y11af w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf08 y11af w803 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betalbar skatt av \u00e5rets overskudd<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf09 y11af w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0a y11af w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xda7 y11b0 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0f y11b0 w804 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf10 y11b0 w805 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- endring i utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf11 y11b0 w7c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf12 y11b0 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11b1 w85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf13 y11b1 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf14 y11b1 w806 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- \u00f8vrige endringer utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf15 y11b1 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf16 y11b1 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b2 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf17 y11b2 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf18 y11b2 w807 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- for mye/lite avsatt betalbar skatt tidliger<span class=\"_ _0\"></span>e \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf19 y11b2 w808 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1a y11b2 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c yf51 w809 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- andre endringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1d yf51 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1e yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 ye84 w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1f ye84 w6f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">167<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf20 ye84 w80a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5rets skattekostnad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf21 ye84 w80b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf22 ye84 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w80c h7a\" id=\"_d481710b-bc93-4909-b361-5466a29f9e39\"><tr><td></td><td></td><td class=\"t m0 xd56 hb y11b3 ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skattefordel og utsatt sk<span class=\"_ _0\"></span>att i balansen vedr\u00f8rer f\u00f8lgende </td><td></td><td></td></tr><tr><td class=\"c n x116 y11b4 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11b4 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdc9 y11b4 w80d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf23 y11b4 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf24 y11b4 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b5 w35 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf25 y11b5 w34 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf26 y11b5 w80e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Gevinst-/tapskonto<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf27 y11b5 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf28 y11b5 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b6 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf29 y11b6 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2a y11b6 w80f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Andre poster<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2b y11b6 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2c y11b6 w14c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xf2d y11b7 w1c7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2e y11b7 w113 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2f y11b7 w810 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum positive skatte\u00f8kende midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf30 y11b7 w811 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf31 y11b7 w115 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11b8 w812 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf32 y11b8 w813 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf33 y11b8 w814 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf34 y11b8 w142 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf35 y11b8 w815 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11b9 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf36 y11b9 w816 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">30<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf37 y11b9 w817 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Driftsmidler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf38 y11b9 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf39 y11b9 w30 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">36<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ba w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221215<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3a y11ba w21a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3b y11ba w818 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Netto pensjonsforpliktelse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3c y11ba w6e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y11ba w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221215<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y11bb wbe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3d y11bb w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3e y11bb w819 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Finansielle instrumenter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3f y11bb w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf40 y11bb w21 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11bc w137 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf41 y11bc w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf42 y11bc w81a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum negative skattereduserende midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf43 y11bc w81b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf44 y11bc w81c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11bd w81d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf45 y11bd w81e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf46 y11bd w81f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skattefordel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf47 y11bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf48 y11bd w820 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c ye84 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf49 ye84 w821 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22122<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4a ye84 w822 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto bokf\u00f8rt utsatt skattefordel (+)/Netto bokf\u00f8rt utsatt skatt(-<span class=\"_ _0\"></span>)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4b ye84 w81e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4c ye84 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td></tr></table>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>Utsatt skatt i resultatregnskapet v<span class=\"_ _0\"></span>edr\u00f8rer endring i f\u00f8lgende midler-<span class=\"_ _2cc\"> </span>tidige forskjeller<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>- Gevinst-/tapskonto<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>- Finansielle instrumenter<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>- Varige driftsmidler<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>\u22125<span class=\"_ _2cc\"> </span>- Netto pensjonsforpliktelse<span class=\"_ _2cc\"> </span>\u22125<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>- Andre midlertidige forskjeller<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>\u221216<span class=\"_ _2cc\"> </span>\u22129<span class=\"_ _2cc\"> </span>Netto endring utsatt skatt<span class=\"_ _2cc\"> </span>\u22128<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>Avstemming a<span class=\"_ _0\"></span>v resultatf\u00f8rt periodeskatt med resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>198<span class=\"_ _2cc\"> </span>209<span class=\"_ _2cc\"> </span>25 % av resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span>226<span class=\"_ _2cc\"> </span>229<span class=\"_ _2cc\"> </span>\u221211<span class=\"_ _2cc\"> </span>\u221219<span class=\"_ _2cc\"> </span>Ikke skattepliktige resultatposter (permanente forskjeller) *<span class=\"_ _2cc\"> </span>\u221231<span class=\"_ _2cc\"> </span>\u221240<span class=\"_ _2cc\"> </span>\u221210<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>Aksjeutbytte<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>\u221210<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>Gevinst verdipapirer under fritak<span class=\"_ _0\"></span>smetoden<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>Tilbakef\u00f8ring av 3% a<span class=\"_ _0\"></span>v skattefrie inntekter etter fritaksmodellen<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>Effekt av endret sk<span class=\"_ _0\"></span>attesats<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>\u22127<span class=\"_ _2cc\"> </span>\u22123<span class=\"_ _2cc\"> </span>Andre endringer<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>\u22127<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>For mye/lite avsatt betalbar skatt tidligere \u00e5r<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>172<span class=\"_ _2cc\"> </span>167<span class=\"_ _2cc\"> </span>Resultatf\u00f8rt periodeskatt<span class=\"_ _2cc\"> </span>171<span class=\"_ _2cc\"> </span>173<span class=\"_ _2cc\"> </span>22%<span class=\"_ _2cc\"> </span>20%<span class=\"_ _2cc\"> </span>Effektiv skattesats i %<span class=\"_ _2cc\"> </span>22%<span class=\"_ _2cc\"> </span>25%<span class=\"_ _2cc\"> </span>* Inkluderer ikke skattepliktige r<span class=\"_ _0\"></span>esultatposter samt fradrag for resultatandel knyttet til tilknyttede og f<span class=\"_ _0\"></span>elleskontrollerte selskaper (resul-<span class=\"_ _2cc\"> </span>tatandeler trekkes ut ettersom de aller<span class=\"_ _0\"></span>ede er skattlagt hos det enkelte selskap)<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-697": {
   "value": "<table class=\"s w7f5 h79\" id=\"_62a4e939-1bcd-4af4-8ec6-55946cb9137d\"><tr><td class=\"c n xd7e y11a6 w98 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n xd87 y11a6 w99 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">K<span class=\"_ _0\"></span>onsern<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y11a7 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11a7 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y11a7 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd89 y11a7 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd8a y11a7 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11a8 w2d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">793<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef2 y11a8 w7f6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">838<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef3 y11a8 w7f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultat f\u00f8r skattekostnad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef4 y11a8 w361 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">905<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef5 y11a8 w637 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">800<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xef6 y11a9 w4f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212109<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef7 y11a9 w7f8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef8 y11a9 w7f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/-permanente forskjeller *<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xef9 y11a9 w118 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212115<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefa y11a9 w80 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221270<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd74 y11aa we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221266<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefb y11aa w17c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221238<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefc y11aa w7fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- endring midlertidige forskjeller i henhold til spesifikasjon<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefd y11aa w14 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221236<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xefe y11aa w7fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221265<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11ab w617 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xeff y11ab w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf00 y11ab w7fc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- herav f\u00f8rt direkte mot egenkapitalen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf01 y11ab w11f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf02 y11ab wcb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">29<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e y11ac w78c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">646<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf03 y11ac w7fd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">656<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf04 y11ac w7fe h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5rets skattegrunnlag/skattepliktig inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf05 y11ac w7ff h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">766<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf06 y11ac w78c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">694<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ad w53 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf07 y11ad w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf08 y11ad w800 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Herav betalbar skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf09 y11ad w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0a y11ad w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ae w6e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0b y11ae w762 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0c y11ae w801 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Betalbar skatt i balansen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0d y11ae w802 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0e y11ae w161 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11af w53 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">162<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf07 y11af w28 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">164<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf08 y11af w803 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betalbar skatt av \u00e5rets overskudd<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf09 y11af w9f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">169<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0a y11af w365 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">163<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xda7 y11b0 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf0f y11b0 w804 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf10 y11b0 w805 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- endring i utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf11 y11b0 w7c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf12 y11b0 w16 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11b1 w85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf13 y11b1 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf14 y11b1 w806 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- \u00f8vrige endringer utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf15 y11b1 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf16 y11b1 w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b2 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf17 y11b2 w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf18 y11b2 w807 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- for mye/lite avsatt betalbar skatt tidliger<span class=\"_ _0\"></span>e \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf19 y11b2 w808 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1a y11b2 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b yf51 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c yf51 w809 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">+/- andre endringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1d yf51 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1e yf51 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 ye84 w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1f ye84 w6f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">167<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf20 ye84 w80a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5rets skattekostnad<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf21 ye84 w80b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf22 ye84 w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w82a h7c\" id=\"_284accbd-d146-4e8d-8133-72b3e06af677\"><tr><td class=\"c n x116 y11c3 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11c3 w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd88 y11c3 w82b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Avstemming a<span class=\"_ _0\"></span>v resultatf\u00f8rt periodeskatt med resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf63 y11c3 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf64 y11c3 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11c4 w4e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">198<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf65 y11c4 w82c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">209<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf66 y11c4 w82d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">25 % av resultat f\u00f8r skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf67 y11c4 w4d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf68 y11c4 w4d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">229<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd59 y11c5 w796 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221211<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf69 y11c5 w143 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221219<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6a y11c5 w82e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ikke skattepliktige resultatposter (permanente forskjeller) *<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6b y11c5 w157 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221231<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6c y11c5 w278 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221240<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11c6 w3b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6d y11c6 w1fb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6e y11c6 w82f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Aksjeutbytte<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf6f y11c6 w830 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221217<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf70 y11c6 w831 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221210<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11c7 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11c7 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11c7 w832 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gevinst verdipapirer under fritak<span class=\"_ _0\"></span>smetoden<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf71 y11c7 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf72 y11c7 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11c8 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11c8 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11c8 w833 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilbakef\u00f8ring av 3% a<span class=\"_ _0\"></span>v skattefrie inntekter etter fritaksmodellen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf73 y11c8 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf74 y11c8 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11c9 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1b y11c9 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1c y11c9 w834 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Effekt av endret sk<span class=\"_ _0\"></span>attesats<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf75 y11c9 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf76 y11c9 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11ca w85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf13 y11ca w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf14 y11ca w835 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre endringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf77 y11ca w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf78 y11ca w79 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22127<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11cb w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf17 y11cb w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf18 y11cb w836 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">For mye/lite avsatt betalbar skatt tidligere \u00e5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf79 y11cb w7a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7a y11cb w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11bd w40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">172<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf1f y11bd w6f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">167<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf20 y11bd w837 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Resultatf\u00f8rt periodeskatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7b y11bd w838 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">171<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7c y11bd w1e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">173<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd7e ye84 w5c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7d ye84 w839 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">20%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7e ye84 w83a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Effektiv skattesats i %<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf7f ye84 w83b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">22%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf80 ye84 w83c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">25%<span class=\"_ _2cc\"> </span></div></td></tr></table>* Inkluderer ikke skattepliktige r<span class=\"_ _0\"></span>esultatposter samt fradrag for resultatandel knyttet til tilknyttede og f<span class=\"_ _0\"></span>elleskontrollerte selskaper (resul-<span class=\"_ _2cc\"> </span>tatandeler trekkes ut ettersom de aller<span class=\"_ _0\"></span>ede er skattlagt hos det enkelte selskap)<span class=\"_ _2cc\"> </span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-698": {
   "value": "<table class=\"s w80c h7a\" id=\"_d481710b-bc93-4909-b361-5466a29f9e39\"><tr><td></td><td></td><td class=\"t m0 xd56 hb y11b3 ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skattefordel og utsatt sk<span class=\"_ _0\"></span>att i balansen vedr\u00f8rer f\u00f8lgende </td><td></td><td></td></tr><tr><td class=\"c n x116 y11b4 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd55 y11b4 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xdc9 y11b4 w80d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf23 y11b4 w16a h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf24 y11b4 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b5 w35 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf25 y11b5 w34 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf26 y11b5 w80e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Gevinst-/tapskonto<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf27 y11b5 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf28 y11b5 w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xdb1 y11b6 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf29 y11b6 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2a y11b6 w80f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Andre poster<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2b y11b6 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2c y11b6 w14c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xf2d y11b7 w1c7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2e y11b7 w113 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf2f y11b7 w810 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum positive skatte\u00f8kende midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf30 y11b7 w811 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf31 y11b7 w115 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11b8 w812 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf32 y11b8 w813 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf33 y11b8 w814 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skatt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf34 y11b8 w142 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf35 y11b8 w815 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11b9 w20a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf36 y11b9 w816 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">30<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf37 y11b9 w817 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Driftsmidler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf38 y11b9 w2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">35<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf39 y11b9 w30 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">36<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd63 y11ba w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221215<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3a y11ba w21a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3b y11ba w818 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Netto pensjonsforpliktelse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3c y11ba w6e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221235<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xd67 y11ba w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221215<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd79 y11bb wbe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3d y11bb w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3e y11bb w819 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Finansielle instrumenter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf3f y11bb w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf40 y11bb w21 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xde6 y11bc w137 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf41 y11bc w222 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf42 y11bc w81a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum negative skattereduserende midlertidige forskjeller<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf43 y11bc w81b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf44 y11bc w81c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c y11bd w81d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf45 y11bd w81e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf46 y11bd w81f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utsatt skattefordel<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf47 y11bd w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf48 y11bd w820 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n xd6c ye84 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf49 ye84 w821 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22122<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4a ye84 w822 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Netto bokf\u00f8rt utsatt skattefordel (+)/Netto bokf\u00f8rt utsatt skatt(-<span class=\"_ _0\"></span>)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4b ye84 w81e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u22121<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf4c ye84 w221 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td></tr></table>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>Utsatt skatt i resultatregnskapet v<span class=\"_ _0\"></span>edr\u00f8rer endring i f\u00f8lgende midler-<span class=\"_ _2cc\"> </span>tidige forskjeller<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>- Gevinst-/tapskonto<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>- Finansielle instrumenter<span class=\"_ _2cc\"> </span>\u22124<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>- Varige driftsmidler<span class=\"_ _2cc\"> </span>\u22121<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>\u22125<span class=\"_ _2cc\"> </span>- Netto pensjonsforpliktelse<span class=\"_ _2cc\"> </span>\u22125<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>- Andre midlertidige forskjeller<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>\u221216<span class=\"_ _2cc\"> </span>\u22129<span class=\"_ _2cc\"> </span>Netto endring utsatt skatt<span class=\"_ _2cc\"> </span>\u22128<span class=\"_ _2cc\"> </span>\u221217<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-626": {
   "value": "Note 24 \u2013 V<span class=\"_ _0\"></span>urdering a<span class=\"_ _0\"></span>v virkelig v<span class=\"_ _0\"></span>erdi p\u00e5 finansielle instrumenter<span class=\"_ _2cc\"> </span>I henhold til IFRS 7 skal finansielle instrumenter som regnskapsf\u00f8res til virk<span class=\"_ _0\"></span>elig verdi klassifiser<span class=\"_ _0\"></span>es i ulike niv\u00e5er: Niv\u00e5 1: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 noterte priser i aktivt marked Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som handles i aktive markeder er basert p\u00e5 mark<span class=\"_ _0\"></span>edspris p\u00e5 balan-<span class=\"_ _2cc\"> </span>sedagen. Et marked er betraktet som aktivt dersom markedskursene er enk<span class=\"_ _0\"></span>elt og regelmessig tilgjengelige. Instrumenter inkludert i niv\u00e5 1 omfatter kun egenkapita-<span class=\"_ _2cc\"> </span>linstrumenter notert p\u00e5 Oslo B\u00f8rs. Niv\u00e5 2: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 observerbare mark<span class=\"_ _0\"></span>eds-<span class=\"_ _2cc\"> </span>data Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som ikk<span class=\"_ _0\"></span>e hand-<span class=\"_ _2cc\"> </span>les i et aktivt marked (f<span class=\"_ _0\"></span>or eksempel enkelte O<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>C deri-<span class=\"_ _2cc\"> </span>vater) bestemmes ved \u00e5 bruke v<span class=\"_ _0\"></span>erdsettelsesmetoder<span class=\"_ _1\"></span>. Disse verdsettelsesmetodene maksimer<span class=\"_ _0\"></span>er bruken a<span class=\"_ _0\"></span>v observerbare data der det er tilgjengelig, og belager seg minst mulig p\u00e5 konsernets egne estimater<span class=\"_ _1\"></span>. Dersom alle vesentlige data som kre<span class=\"_ _0\"></span>ves for \u00e5 fastsette virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v et instrument er observerbare data, er instru-<span class=\"_ _2cc\"> </span>mentet inkludert i niv\u00e5 2. Instrumenter inkludert i niv\u00e5 2 omfatter renteswapper og obligasjoner og sertifikater som inng\u00e5r i likviditetsportef\u00f8ljen, samt egenkapitalin-<span class=\"_ _2cc\"> </span>strumenter notert p\u00e5 utenlandsk b\u00f8rs. Niv\u00e5 3: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 annet enn observerbare data Dersom fastsettelsen av v<span class=\"_ _0\"></span>erdi ikke er tilgjengelig i f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>hold til niv\u00e5 1 og 2, benyttes verdsettelsesmetoder som baserer seg p\u00e5 ikke-observerbar inf<span class=\"_ _0\"></span>ormasjon. Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som ikk<span class=\"_ _0\"></span>e er basert p\u00e5 observerbare markedsdata, er fastsatt p\u00e5 grunnlag av ver<span class=\"_ _0\"></span>dianslag innhentet fra eksterne parter eller SpareBank 1 Gruppen. V<span class=\"_ _1\"></span>erdivurdering er basert p\u00e5 en eller et gjennomsnitt av flere a<span class=\"_ _0\"></span>v fem ulik<span class=\"_ _0\"></span>e metoder:  - siste kjente transaksjonskurs - resultat per aksje - utbytte per aksje - rapportert EBITDA for underliggende ak<span class=\"_ _0\"></span>sjeselskap - siste kjente transaksjonskurs p\u00e5 sammenlignbare instrumenter Instrumenter inkludert i niv\u00e5 3 som verdsettes etter dissse verdsettelsesmetoder omfatter unoterte egen-<span class=\"_ _2cc\"> </span>kapitalinstrumenter<span class=\"_ _1\"></span>, som vurderes til virkelig v<span class=\"_ _0\"></span>erdi ov<span class=\"_ _0\"></span>er resultatet. Strategiske eierposter i SpareBank 1 selsk<span class=\"_ _0\"></span>apene verdsettes i ho<span class=\"_ _0\"></span>vedsak til gjennomsnittlig emisjonskurs. V<span class=\"_ _0\"></span>ed verdif<span class=\"_ _0\"></span>all som ikke anses \u00e5 v\u00e6re f<span class=\"_ _0\"></span>orbig\u00e5ende, ned-<span class=\"_ _2cc\"> </span>skrives eierposten til v\u00e5r andel av bokf\u00f8rt egenkapital i selskapet. Fastrentel\u00e5n klassifisert i niv\u00e5 3 verdivur<span class=\"_ _0\"></span>deres kvartals-<span class=\"_ _2cc\"> </span>vis basert p\u00e5 en neddiskontert n\u00e5verdi a<span class=\"_ _0\"></span>v fremtidige kontanstr\u00f8mmer fra portef\u00f8ljen. Diskonteringsr<span class=\"_ _0\"></span>enten settes lik en stipulert markedsrente f<span class=\"_ _0\"></span>or portef\u00f8ljen. V<span class=\"_ _0\"></span>er-<span class=\"_ _2cc\"> </span>dien tilsvarer bank<span class=\"_ _0\"></span>ens beste estimat p\u00e5 prisen en mar-<span class=\"_ _2cc\"> </span>kedsdeltak<span class=\"_ _0\"></span>er vil v\u00e6re villig til \u00e5 betale for fastr<span class=\"_ _0\"></span>enteutl\u00e5n-<span class=\"_ _2cc\"> </span>sportef\u00f8ljen i et annenh\u00e5ndsmarked for f<span class=\"_ _0\"></span>astrenteutl\u00e5n.<span class=\"_ _2cc\"> </span>F\u00f8lgende tabell presenter<span class=\"_ _0\"></span>er konsernets eiendeler og gjeld m\u00e5lt til virkelig v<span class=\"_ _0\"></span>erdi per 31. desember 2025<span class=\"_ _2cc\"> </span>F\u00f8lgende tabell presenter<span class=\"_ _0\"></span>er konsernets eiendeler og gjeld m\u00e5lt til virkelig v<span class=\"_ _0\"></span>erdi per 31. desember 2024.<span class=\"_ _2cc\"> </span><table class=\"s w83d h7d\" id=\"_f27b83db-cc22-4905-9df9-39ee91e0e1a2\"><tr><td></td><td class=\"c n xf81 y11cc w83e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf82 y11cc w83f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf83 y11cc w840 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf84 y11cc w3db h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11cd ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11ce w841 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater</div></td><td class=\"c n xf85 y11ce w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf86 y11ce w36c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf87 y11ce w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf88 y11ce w36c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11cf w842 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">- Obligasjoner og sertifikater</div></td><td class=\"c n xf89 y11cf w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf8a y11cf w5a5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf8b y11cf w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf8c y11cf w5a5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11d0 w843 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Egenkapitalinstrumenter og ver<span class=\"_ _0\"></span>dipapirfond</div></td><td class=\"c n xf8d y11d0 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xa71 y11d0 w449 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf8e y11d0 w844 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.366<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf8f y11d0 w6b5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.367<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11d1 w845 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n</div></td><td class=\"c n xf90 y11d1 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf91 y11d1 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf92 y11d1 w846 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>198<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf93 y11d1 w562 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>198<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11d2 ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over OCI<span class=\"_ _4f\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11d3 w847 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Utl\u00e5n klassifisert til virkelig verdi o<span class=\"_ _0\"></span>ver OCI</div></td><td class=\"c n xf94 y11d3 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf95 y11d3 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf96 y11d3 w848 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.841<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf97 y11d3 w848 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.841<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11d4 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xf98 y11d4 w61f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xf99 y11d4 w5c6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.920<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xf9a y11d4 w849 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>15.405<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xf9b y11d4 w84a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.325<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11d5 ff2 fs7 fc3 sc0 ls0 ws0\">Forpliktelser <span class=\"ff4\">(bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 ha y11d6 ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle forpliktelser til virkelig v<span class=\"_ _0\"></span>erdi over r<span class=\"_ _0\"></span>esultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y103f w841 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9c y103f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9d y103f w6e5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9e y103f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9f y103f w38 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w84b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa0 ye84 w84c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa1 ye84 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa3 ye84 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w84d h7e\" id=\"_a44162ee-72e3-474c-b869-56e61148d579\"><tr><td></td><td class=\"c n xf81 y11d7 w83e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf82 y11d7 w83f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf83 y11d7 w840 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf84 y11d7 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11d8 ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11d9 w841 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater</div></td><td class=\"c n xf85 y11d9 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf86 y11d9 w5a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa4 y11d9 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xecc y11d9 w6f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11da w842 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Obligasjoner og sertifikater</div></td><td class=\"c n xf89 y11da w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfa5 y11da w5a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa6 y11da w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfa7 y11da w5a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11db w843 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Egenkapitalinstrumenter og ver<span class=\"_ _0\"></span>dipapirfond</div></td><td class=\"c n xf8d y11db w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xa71 y11db w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa8 y11db w84e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa9 y11db w6f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.240<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11dc w845 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n</div></td><td class=\"c n xf90 y11dc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf91 y11dc w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfaa y11dc w84f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.452<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfab y11dc w850 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.452<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11dd ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over OCI<span class=\"_ _4f\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11de w847 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Utl\u00e5n klassifisert til virkelig verdi o<span class=\"_ _0\"></span>ver OCI</div></td><td class=\"c n xf94 y11de w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf95 y11de w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfac y11de w851 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.516<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfad y11de w851 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.516<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11df wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xf98 y11df w61f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xfae y11df w852 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.009<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfaf y11df w853 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>16.206<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfb0 y11df w854 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.215<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11e0 ff2 fs7 fc3 sc0 ls0 ws0\">Forpliktelser <span class=\"ff4\">(bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 hb y11e1 ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle forpliktelser til virkelig v<span class=\"_ _0\"></span>erdi over r<span class=\"_ _0\"></span>esultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y103f w841 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9c y103f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8b2 y103f we2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb1 y103f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb2 y103f w3e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w84b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa0 ye84 w84c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb3 ye84 w855 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb4 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb5 ye84 w855 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td></tr></table>F\u00f8lgende tabell presenter<span class=\"_ _0\"></span>er endringene i instrumentene klassifisert i niv\u00e5 3 per 31. desember 2025:<span class=\"_ _2cc\"> </span><table class=\"s w856 h7f\" id=\"_19acdd37-981d-499c-b1ec-bf811ed461fb\"><tr><td></td><td class=\"c n xfb6 y11e2 w857 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Fastrentel\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb7 y11e2 w858 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Egenkapitalinstrumenter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb8 y11e2 w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11c6 w859 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Inng\u00e5ende balanse</div></td><td class=\"c n xfb9 y11c6 w85a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.452<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfba y11c6 w84e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfbb y11c6 w53f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.690<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11c7 w85b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Investeringer i perioden</div></td><td class=\"c n xfbc y11c7 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfbd y11c7 w7ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>140<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfbe y11c7 w7ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>140<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11e3 w85c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Tilbakebetaling av k<span class=\"_ _0\"></span>apital</div></td><td class=\"c n xfbf y11e3 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc0 y11e3 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc1 y11e3 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y11c0 w85d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Salg i perioden (til bokf\u00f8rt verdi)</div></td><td class=\"c n xfc2 y11c0 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc3 y11c0 w85e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(37)</div></td><td class=\"c n xfc4 y11c0 w85f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(37)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11e4 w860 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto volumendring i perioden</div></td><td class=\"c n xfc5 y11e4 w861 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(268)</div></td><td class=\"c n xfc6 y11e4 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc7 y11e4 w862 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(268)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11e5 w863 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gevinst eller tap f\u00f8rt i resultatet</div></td><td class=\"c n xfc8 y11e5 w864 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfc9 y11e5 w3b6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfca y11e5 w865 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1004 w866 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gevinst eller tap f\u00f8rt direkte mot utvidet resultat</div></td><td class=\"c n xfcb y1004 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfcc y1004 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x956 y1004 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w867 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utg\u00e5ende balanse</div></td><td class=\"c n xfc8 ye84 w868 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.<span class=\"_ _1\"></span>198<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfcd ye84 w24c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.366<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfce ye84 w869 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.564<span class=\"_ gs33e\"> </span></div></td></tr></table>V<span class=\"_ _0\"></span>erdsettelsen av fastr<span class=\"_ _0\"></span>entel\u00e5nene er basert p\u00e5 endringer i markedsrenten og endringer i portef\u00f8ljens kunderente hensyntatt gjennomsnitlig gjenv\u00e6rende l\u00f8petid p\u00e5 portef\u00f8ljen. Gjennomf\u00f8rt sensitivitetsanalyse indikerer at en \u00f8kning i mark<span class=\"_ _0\"></span>edsrenten p\u00e5 10 basispunkter ville medf\u00f8rt en brutto negativ resultateffekt p\u00e5 3,<span class=\"_ _0\"></span>4 mill kroner<span class=\"_ _1\"></span>. Tilsvarende ville en reduksjon i markedsrenten p\u00e5 10 basispunkter medf\u00f8rt en brutto positiv resultateffekt p\u00e5 3,<span class=\"_ _0\"></span>4 mill kroner<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6cc\">Note 25 \u2013 Virkelig v<span class=\"_ _0\"></span>erdi a<span class=\"_ _0\"></span>v finansielle instrumenter vurdert til amortisert kost<span class=\"_ _2cc\"> </span></div><div class=\"gs6cd\"><table class=\"s w86a h80\" id=\"_948f7e88-d851-48f6-a8b6-e9143f9de9f6\"><tr><td class=\"c n x116 y11e6 w86b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"ff4 ls0 ws0\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xfcf y11e6 w86c h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd0 y11e6 w86d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd1 y11e6 w86e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd2 y11e6 wf2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig verdi<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"c n xfd3 y11e7 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd4 y11e7 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd5 y11e7 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd6 y11e7 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11e8 ff2 fs7 fc3 sc0 ls0 ws0\">EIENDELER <span class=\"_ _273\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11e9 wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xfd7 y11e9 w86f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfd8 y11e9 w4f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfd9 y11e9 w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfda y11e9 w870 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 h1f y11ea ff9 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder:<span class=\"_ _1ce\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11eb w871 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner (BM)</div></td><td class=\"c n xfdb y11eb w872 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfdc y11eb w872 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfdd y11eb w873 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfde y11eb w873 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ec w874 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle eiendeler</div></td><td class=\"c n xfdf y11ec w875 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.<span class=\"_ _0\"></span>757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfe0 y11ec w876 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfe1 y11ec w877 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfe2 y11ec w878 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11ed ff2 fs7 fc3 sc0 ls0 ws0\">FORPLIKTELSER<span class=\"_ _275\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11ee wd9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xfe3 y11ee w879 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe4 y11ee w675 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe5 y11ee w602 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe6 y11ee w602 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ef w87a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer til amortisert kost</div></td><td class=\"c n xfe7 y11ef w87b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.401<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe8 y11ef w87c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.408<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe9 y11ef w87d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.759<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfea y11ef w2d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.766<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11f0 w87e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _1\"></span>, virkelig verdi-sikret</div></td><td class=\"c n xc26 y11f0 w87f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfeb y11f0 w24c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfec y11f0 w880 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfed y11f0 w2d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11f1 we9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xfee y11f1 w881 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfef y11f1 w40d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>411<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff0 y11f1 w6c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa0f y11f1 w882 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>409<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11f2 w101 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hybridkapital</div></td><td class=\"c n xff1 y11f2 w883 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff2 y11f2 w62b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>360<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff3 y11f2 w884 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff4 y11f2 w1a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>356<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xff5 ye84 w885 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle forpliktelser</div></td><td class=\"c n xff6 ye84 w886 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.229<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xff7 ye84 w887 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _141\"></span>.256<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xff8 ye84 w888 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.240<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xff9 ye84 w889 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.260<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs6ce\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs6cf\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"gs6d0\"><table class=\"s w88a h81\" id=\"_7d5d21ca-b0ae-46f2-a3c5-9b53392e706a\"><tr><td class=\"c n x116 y11f3 w88b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"ff4\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xffa y11f3 w88c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8r<span class=\"_ _3\"></span>t verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xffb y11f3 wf2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xffc y11f3 w88d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xffd y11f3 w86d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"c n xffe y11f4 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfff y11f4 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1000 y11f4 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1001 y11f4 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y11f5 ff2 fs7 fc3 sc0 ls0 ws0\">EIENDELER<span class=\"_ _273\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs33f\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11f7 w88e h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n x1002 y11f7 w88f h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1003 y11f7 w88f h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1004 y11f7 w890 h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1005 y11f7 w890 h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x51f ha y11f8 ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder:<span class=\"_ _14a\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _98\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11f9 w891 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n (BM)</div></td><td class=\"c n x1006 y11f9 w872 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1007 y11f9 w872 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1008 y11f9 w873 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1009 y11f9 w873 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11fa w874 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle eiendeler</div></td><td class=\"c n x100a y11fa w876 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x100b y11fa w876 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x100c y11fa w878 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x100d y11fa w878 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y11fb ff2 fs7 fc3 sc0 ls0 ws0\">FORPLIKTELSER<span class=\"_ _1be\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _98\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11fc wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n x100e y11fc w892 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.<span class=\"_ _0\"></span>489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x100f y11fc w893 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.<span class=\"_ _0\"></span>489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1010 y11fc w6a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1011 y11fc w6a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11fd w87a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer til amortisert kost</div></td><td class=\"c n x1012 y11fd w894 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.401<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1013 y11fd w895 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.408<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1014 y11fd w84e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.759<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1015 y11fd w2d4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.766<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11fe w87e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _1\"></span>, virkelig verdi-sikret</div></td><td class=\"c n x1016 y11fe w896 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1017 y11fe w24c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1018 y11fe w880 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1019 y11fe w880 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ff we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n x101a y11ff w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101b y11ff w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>411<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101c y11ff w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101d y11ff w882 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>409<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1200 w101 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hybridkapital</div></td><td class=\"c n x101e y1200 w883 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101f y1200 w62b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>360<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1020 y1200 w884 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1021 y1200 w1a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>356<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w885 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle forpliktelser</div></td><td class=\"c n x1022 ye84 w897 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.230<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1023 ye84 w887 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _141\"></span>.256<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1024 ye84 w898 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1025 ye84 w899 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.246<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs6d1\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs6d2\">102<span class=\"_ _2cc\"> </span></div>Virkelig ver<span class=\"_ _0\"></span>divurdering av poster f\u00f8rt til amortisert kost<span class=\"ls0\"> </span>V<span class=\"_ _0\"></span>ed virkelig v<span class=\"_ _0\"></span>erdivurdering a<span class=\"_ _0\"></span>v poster f\u00f8rt til amortisert<span class=\"_ _3\"></span> kost har vi delt inn i f\u00f8lgende: utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 kredittinstitusjoner<span class=\"_ _1\"></span>, utl\u00e5n til kunder bedriftsmarked, inn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>skudd fra og gjeld til kunder<span class=\"_ _1\"></span>, gjeld til kredittinstitusjoner og gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span>Utl\u00e5n til kunder og kredittinstitusjoner prises p\u00e5 ulike m\u00e5<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ter<span class=\"_ _1\"></span>. Her f\u00f8lger en oversikt ov<span class=\"_ _0\"></span>er ulike prismodeller for<span class=\"_ _0\"></span>delt p\u00e5 de ulike kategoriene:<span class=\"ls0\"> </span>- Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner prises med utgangspunkt i NIBOR. <span class=\"_ _fb\"> </span><span class=\"ls0\"> </span>- Utl\u00e5n til kunder personmarked prises med flytende kunderente.  <span class=\"_ _279\"> </span> <span class=\"_ _27a\"> </span><span class=\"ls0 ws0\"> </span>- Utl\u00e5n til kunder bedriftsmarked prises med flytende kunderente samt en del l\u00e5n prises med utgangspunkt i NIBOR.<span class=\"ls0 ws0\"> </span>Banken vurder<span class=\"_ _0\"></span>er at l\u00e5n til bedriftsmarkedet med flytende rente har en riktig markedspris p\u00e5 balansetidspunktet. Begrunnelsen for dette er at den flytende renten k<span class=\"_ _0\"></span>ontinu<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>erlig vurderes og juster<span class=\"_ _0\"></span>es i henhold til renteniv\u00e5et i kapital<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>markedet og endringer i k<span class=\"_ _0\"></span>onkurransesituasjonen.<span class=\"ls0\"> </span>NIBOR-l\u00e5n p\u00e5 til sammen 6.979 mill kroner (hov<span class=\"_ _0\"></span>edsakelig bedriftsmarkedet) per 31.<span class=\"_ _1\"></span>12.2025 er inng\u00e5tt med forskjelli<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ge marginer og med ulike tidsintervall f<span class=\"_ _0\"></span>or renteregulering. Alle disse NIBOR-l\u00e5nene kan ref<span class=\"_ _0\"></span>orhandles kontinuerlig. Banken tilstreber at disse l\u00e5nene har r<span class=\"_ _0\"></span>ett markedspris til enhver tid.<span class=\"ls0\"> </span>Gjeld til kredittinstitusjoner og innskudd til kunder<span class=\"ff4 fc3 ls0\"> </span>For innskudd til kunder og gjeld til kredittinstitusjoner estimeres virkelig v<span class=\"_ _0\"></span>erdi lik bokf\u00f8rt verdi siden disse i all ho<span class=\"ls0 ws0\">-<span class=\"_ _2cc\"> </span></span>vedsak har flytende rente. Basert p\u00e5 ov<span class=\"_ _0\"></span>ernevnte vurderin<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span>ger blir det ingen forskjell mellom bokf\u00f8rt ver<span class=\"_ _0\"></span>di og virkelig verdi i tabellen o<span class=\"_ _0\"></span>ver<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span>Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer og ansvarlig l\u00e5nekapital<span class=\"ff4 fc3 ls0 ws0\"> </span>Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _141\"></span>, ansvarlig<span class=\"_ _3\"></span> l\u00e5nekapital og hybridkapital blir ver<span class=\"_ _0\"></span>divurdert ved teoretisk markedsv<span class=\"_ _0\"></span>erdivurering basert p\u00e5 rente- og spr<span class=\"_ _0\"></span>eadkurve fra V<span class=\"_ _0\"></span>erdipapirfondenes f<span class=\"_ _0\"></span>orening. <div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6fc\">Note 26 \u2013 Sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></div><div class=\"gs6fd\"><table class=\"s w89a h83\" id=\"_a9a1f010-0b6e-46a5-bac1-32fb80d934ba\"><tr><td class=\"c n x1027 y1201 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1028 y1201 w89b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sertifikater og obligasjoner fordelt p\u00e5 utstedersektor<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1029 y1201 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x102a y1202 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x102b y1202 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"c n x102c y1202 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x102d y1202 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x102e y1202 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x102f ha y1203 ff4 fs7 fc3 sc0 ls0 ws0\">Stat- og statsgarantert<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1030 y1204 w1ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">510<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1031 y1204 w361 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">560</div></td><td class=\"c n x1032 y1204 w89c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5lydende verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1033 y1204 w89d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">560<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1034 y1204 w12f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">510<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1035 y1205 w89e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">517<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1036 y1205 w644 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">564</div></td><td class=\"c n x1037 y1205 w89f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- virkelig verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1038 y1205 w7fb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">564<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1039 y1205 wbc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">517<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x102f ha y1206 ff4 fs7 fc3 sc0 ls0 ws0\">Annen offentlig utsteder<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x103a y1207 w8a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">604<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x103b y1207 w1a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">511</div></td><td class=\"c n x103c y1207 w89c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5lydende verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x103d y1207 w1a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">511<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x103e y1207 w134 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">604<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x103a y1208 w8a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">604<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x103f y1208 w645 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">514</div></td><td class=\"c n x1040 y1208 w752 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- virkelig verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1041 y1208 w65e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">514<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1042 y1208 w134 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">604<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x102f ha y1209 ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle foretak<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1027 y120a w8a1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.761<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1043 y120a w8a2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.726</div></td><td class=\"c n x1044 y120a w8a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5lydende verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1045 y120a w332 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.726<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1046 y120a w5d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.761<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1047 y120b w9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.779<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1048 y120b w32a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.746</div></td><td class=\"c n x1049 y120b w89f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- virkelig verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x104a y120b w32a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.746<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x104b y120b w557 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.779<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y120c w348 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.875<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x104c y120c w8a4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.797<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x104d y120c w8a5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentepapirer<span class=\"_ _0\"></span>, p\u00e5lydende ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x104e y120c w8a6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.797<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x104f y120c w8a7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.875<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1050 y120d wbe h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1051 y120d w22 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15</div></td><td class=\"c n x1052 y120d w8a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1053 y120d w8a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1054 y120d w24 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x102a ye84 w541 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.918<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1055 ye84 w8aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.839<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1056 ye84 w8ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentepapirer<span class=\"_ _1\"></span>, virkelig verdi over r<span class=\"_ _0\"></span>esultatet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1057 ye84 w8ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.839<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1058 ye84 w541 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.918<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs6fe\"><table class=\"s w8ad h84\" id=\"_84ac3aac-393c-4a6a-8d19-b9c9c395974d\"><tr><td class=\"c n x114 y120e w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y120e w8ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sertifikater og obligasjoner fordelt p\u00e5 risik<span class=\"_ _0\"></span>oklasse<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105a y120e w8af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y120f w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y120f w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y120f w8b0 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">Virkelig verdi (bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105d y120f w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105e y120f w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1210 w8b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.967<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105f y1210 w8b2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1060 y1210 w8b3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Risikoklasse 1 (Rating AAA til AA-<span class=\"_ _0\"></span>)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1061 y1210 w8b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2.225<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1062 y1210 w8b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1.967<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x128 y120a w62e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">399<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1063 y120a w150 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">524<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1064 y120a w8b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Risikoklasse 2 (Rating A+ til A-<span class=\"_ _0\"></span>)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1065 y120a w1bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">524<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1066 y120a w75e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">399<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x128 y1211 w8b7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">534<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1067 y1211 w1da h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">75<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1068 y1211 w8b8 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Risikoklasse 3 (Rating BBB+ til BBB- og rentepapirer uten rating)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1069 y1211 w1da h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">75<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x106a y1211 w4a4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">534<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1212 w4ba h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.901<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x106b y1212 w40e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.824</div></td><td class=\"c n x106c y1212 w8b9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum sertifikater og obligasjoner<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x106d y1212 w237 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.824<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x106e y1212 w4ba h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.901<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x3d1 y1213 wbe h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x106f y1213 w22 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15</div></td><td class=\"c n x1070 y1213 w8a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1071 y1213 w8a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1072 y1213 w24 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w541 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.918<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1073 ye84 w8aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.839<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1074 ye84 w8ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum rentepapirer<span class=\"_ _1\"></span>, virkelig verdi over r<span class=\"_ _0\"></span>esultatet<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1075 ye84 w8ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.839<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1076 ye84 w541 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2.918<span class=\"_ _2cc\"> </span></div></td></tr></table></div>Rating av sertifikater og obligasjoner er hentet fra Standard &amp; P<span class=\"_ _0\"></span>oor's, Moodys eller Fitch. Risikoklassene er i henhold til Finanstilsynets grupperinger og kapitalkravsf<span class=\"_ _0\"></span>orskriften<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 27 \u2013 Finansielle derivater<span class=\"_ _2cc\"> </span></div>Generell beskrivelse Oppstillingen nedenfor viser virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v bankens finansielle derivater bokf\u00f8rt som eiendeler og gjeld samt nominelle verdier a<span class=\"_ _0\"></span>v kontraktene. P<span class=\"_ _0\"></span>ositiv markedsv<span class=\"_ _0\"></span>erdi av k<span class=\"_ _0\"></span>ontrakter blir bokf\u00f8rt som eiendel, mens negativ markedsv<span class=\"_ _0\"></span>erdi blir bokf\u00f8rt som gjeld. Kontraktsv<span class=\"_ _0\"></span>olumet, oppf\u00f8rt brutto, viser st\u00f8rrelsen av derivatenes underliggende eiendeler<span class=\"_ _1\"></span>, og er grunnlaget for m\u00e5ling a<span class=\"_ _0\"></span>v endringer i virkelig ver<span class=\"_ _0\"></span>di av bankens derivater<span class=\"_ _1\"></span>. Det oppgitte volumet viser utest\u00e5ende volum av transaksjoner v<span class=\"_ _0\"></span>ed \u00e5rets slutt og gir ingen indikasjon p\u00e5 markedsrisik<span class=\"_ _0\"></span>o eller kredittrisiko<span class=\"_ _0\"></span>.  Banken har ingen k<span class=\"_ _0\"></span>ontrakter som kvalifiserer for kontantstr\u00f8msikring<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls8 ws1c gs717\">MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"ls0 ws0\"> </span></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs718\">Alle bel\u00f8p er like for morbank og k<span class=\"_ _0\"></span>onsern (bel\u00f8p i mnok).<span class=\"_ _2cc\"> </span></div>Til virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>Kontraktssum<span class=\"_ _2cc\"> </span>Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span>Kontraktssum<span class=\"_ _2cc\"> </span>Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Forpliktelser<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Forpliktelser<span class=\"_ _2cc\"> </span>Renteinstrumenter<span class=\"_ _2cc\"> </span>Renteswapper fastr<span class=\"_ _0\"></span>ente utl\u00e5n<span class=\"_ gs33c\"> </span>1.096<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>1.001<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>34<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Sum renteinstrumenter<span class=\"_ gs33e\"> </span>1.096<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ gs33e\"> </span>1.001<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>34<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span>Sikring av innl\u00e5n<span class=\"_ _23b\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _14\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span></span>Rentebyttea<span class=\"_ _0\"></span>vtaler (inkl. renteswap)<span class=\"_ gs33c\"> </span>2.600<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>56<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3.520<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>54<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span>Sum renteinstrumenter sikring<span class=\"_ gs33e\"> </span>2.600<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>56<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3.520<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>54<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>87<span class=\"_ gs33e\"> </span>Sum finansielle derivater <span class=\"_ _9b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _14\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs4e9\"> </span>Sum renteinstrumenter<span class=\"_ gs33c\"> </span>3.696<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4.521<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span>Sum finansielle derivater<span class=\"_ gs33e\"> </span>3.696<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>79<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>4.521<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>88<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>87<span class=\"_ _2cc\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _14\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _14\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span>Virkelig ver<span class=\"_ _0\"></span>disikring Konsernet har gjennomf\u00f8rt en ver<span class=\"_ _0\"></span>disikring av fastrenteinnl\u00e5n med en balansev<span class=\"_ _0\"></span>erdi p\u00e5 2.600 mill. kroner<span class=\"_ _1\"></span>. Innl\u00e5nene sikres 1:1 gjennom eksterne kontrakter hvor det er sams<span class=\"_ _0\"></span>var mellom l\u00f8petid og fastrenten i sikringsobjektet og sikringsf<span class=\"_ _0\"></span>orretningen. Konsernet utarbeider kvartalsvis dokumentasjon p\u00e5 at sikringsobjektet og sikringsinstrumentet er sikringseffektivt. V<span class=\"_ _0\"></span>ed bruk av sikringsbokf\u00f8ring sikr<span class=\"_ _0\"></span>er konsernet seg mot bev<span class=\"_ _0\"></span>egelser i markedsrenten. Endringer i kredittspread mot mark<span class=\"_ _0\"></span>edsrenten er ikke en del av sikret risik<span class=\"_ _0\"></span>o og p\u00e5virker derfor ikk<span class=\"_ _0\"></span>e effektiviteten i sikringsbokf\u00f8ringen.  Endring i virkelig ver<span class=\"_ _0\"></span>di av sikringsinstrumentet i 1:1 sikringen var 22,8 mill. kroner i 2024 (<span class=\"_ _0\"></span>-36,6 mill. kroner), mens endring i virkelig ver<span class=\"_ _0\"></span>di av sikringsobjektet i 1:1 sikringen var -22,9 mill. kr<span class=\"_ _0\"></span>oner (38,9 mill.kroner). Sikringsineffektiviteten innregnet i r<span class=\"_ _0\"></span>esultatet utgjorde dermed -0,<span class=\"_ _1\"></span>1 mill.kroner (2,3 mill.kroner). Resultateff<span class=\"_ _0\"></span>ektene er inkludert i resultatlinjen \"netto resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer\"<span class=\"_ _0\"></span>. <span class=\"ff5\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-646": {
   "value": "Note 24 \u2013 V<span class=\"_ _0\"></span>urdering a<span class=\"_ _0\"></span>v virkelig v<span class=\"_ _0\"></span>erdi p\u00e5 finansielle instrumenter<span class=\"_ _2cc\"> </span>I henhold til IFRS 7 skal finansielle instrumenter som regnskapsf\u00f8res til virk<span class=\"_ _0\"></span>elig verdi klassifiser<span class=\"_ _0\"></span>es i ulike niv\u00e5er: Niv\u00e5 1: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 noterte priser i aktivt marked Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som handles i aktive markeder er basert p\u00e5 mark<span class=\"_ _0\"></span>edspris p\u00e5 balan-<span class=\"_ _2cc\"> </span>sedagen. Et marked er betraktet som aktivt dersom markedskursene er enk<span class=\"_ _0\"></span>elt og regelmessig tilgjengelige. Instrumenter inkludert i niv\u00e5 1 omfatter kun egenkapita-<span class=\"_ _2cc\"> </span>linstrumenter notert p\u00e5 Oslo B\u00f8rs. Niv\u00e5 2: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 observerbare mark<span class=\"_ _0\"></span>eds-<span class=\"_ _2cc\"> </span>data Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som ikk<span class=\"_ _0\"></span>e hand-<span class=\"_ _2cc\"> </span>les i et aktivt marked (f<span class=\"_ _0\"></span>or eksempel enkelte O<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>C deri-<span class=\"_ _2cc\"> </span>vater) bestemmes ved \u00e5 bruke v<span class=\"_ _0\"></span>erdsettelsesmetoder<span class=\"_ _1\"></span>. Disse verdsettelsesmetodene maksimer<span class=\"_ _0\"></span>er bruken a<span class=\"_ _0\"></span>v observerbare data der det er tilgjengelig, og belager seg minst mulig p\u00e5 konsernets egne estimater<span class=\"_ _1\"></span>. Dersom alle vesentlige data som kre<span class=\"_ _0\"></span>ves for \u00e5 fastsette virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v et instrument er observerbare data, er instru-<span class=\"_ _2cc\"> </span>mentet inkludert i niv\u00e5 2. Instrumenter inkludert i niv\u00e5 2 omfatter renteswapper og obligasjoner og sertifikater som inng\u00e5r i likviditetsportef\u00f8ljen, samt egenkapitalin-<span class=\"_ _2cc\"> </span>strumenter notert p\u00e5 utenlandsk b\u00f8rs. Niv\u00e5 3: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 annet enn observerbare data Dersom fastsettelsen av v<span class=\"_ _0\"></span>erdi ikke er tilgjengelig i f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span>hold til niv\u00e5 1 og 2, benyttes verdsettelsesmetoder som baserer seg p\u00e5 ikke-observerbar inf<span class=\"_ _0\"></span>ormasjon. Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som ikk<span class=\"_ _0\"></span>e er basert p\u00e5 observerbare markedsdata, er fastsatt p\u00e5 grunnlag av ver<span class=\"_ _0\"></span>dianslag innhentet fra eksterne parter eller SpareBank 1 Gruppen. V<span class=\"_ _1\"></span>erdivurdering er basert p\u00e5 en eller et gjennomsnitt av flere a<span class=\"_ _0\"></span>v fem ulik<span class=\"_ _0\"></span>e metoder:  - siste kjente transaksjonskurs - resultat per aksje - utbytte per aksje - rapportert EBITDA for underliggende ak<span class=\"_ _0\"></span>sjeselskap - siste kjente transaksjonskurs p\u00e5 sammenlignbare instrumenter Instrumenter inkludert i niv\u00e5 3 som verdsettes etter dissse verdsettelsesmetoder omfatter unoterte egen-<span class=\"_ _2cc\"> </span>kapitalinstrumenter<span class=\"_ _1\"></span>, som vurderes til virkelig v<span class=\"_ _0\"></span>erdi ov<span class=\"_ _0\"></span>er resultatet. Strategiske eierposter i SpareBank 1 selsk<span class=\"_ _0\"></span>apene verdsettes i ho<span class=\"_ _0\"></span>vedsak til gjennomsnittlig emisjonskurs. V<span class=\"_ _0\"></span>ed verdif<span class=\"_ _0\"></span>all som ikke anses \u00e5 v\u00e6re f<span class=\"_ _0\"></span>orbig\u00e5ende, ned-<span class=\"_ _2cc\"> </span>skrives eierposten til v\u00e5r andel av bokf\u00f8rt egenkapital i selskapet. Fastrentel\u00e5n klassifisert i niv\u00e5 3 verdivur<span class=\"_ _0\"></span>deres kvartals-<span class=\"_ _2cc\"> </span>vis basert p\u00e5 en neddiskontert n\u00e5verdi a<span class=\"_ _0\"></span>v fremtidige kontanstr\u00f8mmer fra portef\u00f8ljen. Diskonteringsr<span class=\"_ _0\"></span>enten settes lik en stipulert markedsrente f<span class=\"_ _0\"></span>or portef\u00f8ljen. V<span class=\"_ _0\"></span>er-<span class=\"_ _2cc\"> </span>dien tilsvarer bank<span class=\"_ _0\"></span>ens beste estimat p\u00e5 prisen en mar-<span class=\"_ _2cc\"> </span>kedsdeltak<span class=\"_ _0\"></span>er vil v\u00e6re villig til \u00e5 betale for fastr<span class=\"_ _0\"></span>enteutl\u00e5n-<span class=\"_ _2cc\"> </span>sportef\u00f8ljen i et annenh\u00e5ndsmarked for f<span class=\"_ _0\"></span>astrenteutl\u00e5n.<span class=\"_ _2cc\"> </span><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs6c6\">F\u00f8lgende tabell presenter<span class=\"_ _0\"></span>er konsernets eiendeler og gjeld m\u00e5lt til virkelig v<span class=\"_ _0\"></span>erdi per 31. desember 2025<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h1e ff2 fse fc2 sc0 lse ws0 gs6c8\">F\u00f8lgende tabell presenter<span class=\"_ _0\"></span>er konsernets eiendeler og gjeld m\u00e5lt til virkelig v<span class=\"_ _0\"></span>erdi per 31. desember 2024.<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w83d h7d\" id=\"_f27b83db-cc22-4905-9df9-39ee91e0e1a2\"><tr><td></td><td class=\"c n xf81 y11cc w83e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf82 y11cc w83f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf83 y11cc w840 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf84 y11cc w3db h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11cd ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11ce w841 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater</div></td><td class=\"c n xf85 y11ce w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf86 y11ce w36c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf87 y11ce w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf88 y11ce w36c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11cf w842 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">- Obligasjoner og sertifikater</div></td><td class=\"c n xf89 y11cf w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf8a y11cf w5a5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf8b y11cf w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf8c y11cf w5a5 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.839<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11d0 w843 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Egenkapitalinstrumenter og ver<span class=\"_ _0\"></span>dipapirfond</div></td><td class=\"c n xf8d y11d0 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xa71 y11d0 w449 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf8e y11d0 w844 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.366<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf8f y11d0 w6b5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.367<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11d1 w845 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n</div></td><td class=\"c n xf90 y11d1 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf91 y11d1 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf92 y11d1 w846 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>198<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf93 y11d1 w562 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>198<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11d2 ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over OCI<span class=\"_ _4f\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11d3 w847 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Utl\u00e5n klassifisert til virkelig verdi o<span class=\"_ _0\"></span>ver OCI</div></td><td class=\"c n xf94 y11d3 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf95 y11d3 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf96 y11d3 w848 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.841<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xf97 y11d3 w848 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.841<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11d4 wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xf98 y11d4 w61f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xf99 y11d4 w5c6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.920<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xf9a y11d4 w849 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>15.405<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xf9b y11d4 w84a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>18.325<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11d5 ff2 fs7 fc3 sc0 ls0 ws0\">Forpliktelser <span class=\"ff4\">(bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 ha y11d6 ff4 fs7 fc3 sc0 ls0 ws0\">Finansielle forpliktelser til virkelig v<span class=\"_ _0\"></span>erdi over r<span class=\"_ _0\"></span>esultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y103f w841 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9c y103f w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9d y103f w6e5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9e y103f w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9f y103f w38 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w84b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa0 ye84 w84c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa1 ye84 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa3 ye84 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w84d h7e\" id=\"_a44162ee-72e3-474c-b869-56e61148d579\"><tr><td></td><td class=\"c n xf81 y11d7 w83e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf82 y11d7 w83f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf83 y11d7 w840 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Niv\u00e5 3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf84 y11d7 w3db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11d8 ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11d9 w841 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater</div></td><td class=\"c n xf85 y11d9 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf86 y11d9 w5a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa4 y11d9 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xecc y11d9 w6f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11da w842 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Obligasjoner og sertifikater</div></td><td class=\"c n xf89 y11da w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfa5 y11da w5a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa6 y11da w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfa7 y11da w5a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.919<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11db w843 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Egenkapitalinstrumenter og ver<span class=\"_ _0\"></span>dipapirfond</div></td><td class=\"c n xf8d y11db w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xa71 y11db w449 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa8 y11db w84e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfa9 y11db w6f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.240<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11dc w845 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Fastrentel\u00e5n</div></td><td class=\"c n xf90 y11dc w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf91 y11dc w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfaa y11dc w84f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.452<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfab y11dc w850 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.452<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11dd ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over OCI<span class=\"_ _4f\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _c2\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11de w847 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Utl\u00e5n klassifisert til virkelig verdi o<span class=\"_ _0\"></span>ver OCI</div></td><td class=\"c n xf94 y11de w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xf95 y11de w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfac y11de w851 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.516<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfad y11de w851 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.516<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11df wd3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum eiendeler</div></td><td class=\"c n xf98 y11df w61f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span></div></td><td class=\"c n xfae y11df w852 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.009<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfaf y11df w853 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>16.206<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfb0 y11df w854 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>19.215<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11e0 ff2 fs7 fc3 sc0 ls0 ws0\">Forpliktelser <span class=\"ff4\">(bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x465 hb y11e1 ff2 fs7 fc3 sc0 ls0 ws0\">Finansielle forpliktelser til virkelig v<span class=\"_ _0\"></span>erdi over r<span class=\"_ _0\"></span>esultatet<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y103f w841 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- Derivater<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xf9c y103f w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x8b2 y103f we2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb1 y103f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb2 y103f w3e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w84b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfa0 ye84 w84c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb3 ye84 w855 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb4 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb5 ye84 w855 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td></tr></table></div>F\u00f8lgende tabell presenter<span class=\"_ _0\"></span>er endringene i instrumentene klassifisert i niv\u00e5 3 per 31. desember 2025:<span class=\"_ _2cc\"> </span><table class=\"s w856 h7f\" id=\"_19acdd37-981d-499c-b1ec-bf811ed461fb\"><tr><td></td><td class=\"c n xfb6 y11e2 w857 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Fastrentel\u00e5n<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb7 y11e2 w858 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Egenkapitalinstrumenter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfb8 y11e2 w41b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11c6 w859 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Inng\u00e5ende balanse</div></td><td class=\"c n xfb9 y11c6 w85a h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.452<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfba y11c6 w84e h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.238<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfbb y11c6 w53f h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.690<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11c7 w85b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Investeringer i perioden</div></td><td class=\"c n xfbc y11c7 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfbd y11c7 w7ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>140<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfbe y11c7 w7ac h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>140<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11e3 w85c h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">Tilbakebetaling av k<span class=\"_ _0\"></span>apital</div></td><td class=\"c n xfbf y11e3 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc0 y11e3 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc1 y11e3 w2a7 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 y11c0 w85d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Salg i perioden (til bokf\u00f8rt verdi)</div></td><td class=\"c n xfc2 y11c0 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc3 y11c0 w85e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(37)</div></td><td class=\"c n xfc4 y11c0 w85f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(37)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11e4 w860 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Netto volumendring i perioden</div></td><td class=\"c n xfc5 y11e4 w861 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(268)</div></td><td class=\"c n xfc6 y11e4 w2a9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfc7 y11e4 w862 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(268)<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11e5 w863 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gevinst eller tap f\u00f8rt i resultatet</div></td><td class=\"c n xfc8 y11e5 w864 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfc9 y11e5 w3b6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfca y11e5 w865 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1004 w866 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gevinst eller tap f\u00f8rt direkte mot utvidet resultat</div></td><td class=\"c n xfcb y1004 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n xfcc y1004 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x956 y1004 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w867 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utg\u00e5ende balanse</div></td><td class=\"c n xfc8 ye84 w868 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.<span class=\"_ _1\"></span>198<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfcd ye84 w24c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1.366<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfce ye84 w869 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.564<span class=\"_ gs33e\"> </span></div></td></tr></table>V<span class=\"_ _0\"></span>erdsettelsen av fastr<span class=\"_ _0\"></span>entel\u00e5nene er basert p\u00e5 endringer i markedsrenten og endringer i portef\u00f8ljens kunderente hensyntatt gjennomsnitlig gjenv\u00e6rende l\u00f8petid p\u00e5 portef\u00f8ljen. Gjennomf\u00f8rt sensitivitetsanalyse indikerer at en \u00f8kning i mark<span class=\"_ _0\"></span>edsrenten p\u00e5 10 basispunkter ville medf\u00f8rt en brutto negativ resultateffekt p\u00e5 3,<span class=\"_ _0\"></span>4 mill kroner<span class=\"_ _1\"></span>. Tilsvarende ville en reduksjon i markedsrenten p\u00e5 10 basispunkter medf\u00f8rt en brutto positiv resultateffekt p\u00e5 3,<span class=\"_ _0\"></span>4 mill kroner",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-699": {
   "value": "<div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs68c\">I henhold til IFRS 7 skal finansielle instrumenter som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs68d\">regnskapsf\u00f8res til virk<span class=\"_ _0\"></span>elig verdi klassifiser<span class=\"_ _0\"></span>es i ulike </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs68e\">niv\u00e5er: </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs68f\">Niv\u00e5 1: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 noterte priser i aktivt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs690\">marked </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs691\">Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som handles </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs692\">i aktive markeder er basert p\u00e5 mark<span class=\"_ _0\"></span>edspris p\u00e5 balan-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs693\">sedagen. Et marked er betraktet som aktivt dersom </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs694\">markedskursene er enk<span class=\"_ _0\"></span>elt og regelmessig tilgjengelige. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs695\">Instrumenter inkludert i niv\u00e5 1 omfatter kun egenkapita-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs696\">linstrumenter notert p\u00e5 Oslo B\u00f8rs. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs697\">Niv\u00e5 2: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 observerbare mark<span class=\"_ _0\"></span>eds-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs698\">data </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs699\">Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som ikk<span class=\"_ _0\"></span>e hand-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs69a\">les i et aktivt marked (f<span class=\"_ _0\"></span>or eksempel enkelte O<span class=\"_ _0\"></span>T<span class=\"_ _0\"></span>C deri-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs69b\">vater) bestemmes ved \u00e5 bruke v<span class=\"_ _0\"></span>erdsettelsesmetoder<span class=\"_ _1\"></span>. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs69c\">Disse verdsettelsesmetodene maksimer<span class=\"_ _0\"></span>er bruken a<span class=\"_ _0\"></span>v </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs69d\">observerbare data der det er tilgjengelig, og belager </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs69e\">seg minst mulig p\u00e5 konsernets egne estimater<span class=\"_ _1\"></span>. Dersom </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs69f\">alle vesentlige data som kre<span class=\"_ _0\"></span>ves for \u00e5 fastsette virk<span class=\"_ _0\"></span>elig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a0\">verdi a<span class=\"_ _0\"></span>v et instrument er observerbare data, er instru-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a1\">mentet inkludert i niv\u00e5 2. Instrumenter inkludert i niv\u00e5 2 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a2\">omfatter renteswapper og obligasjoner og sertifikater </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a3\">som inng\u00e5r i likviditetsportef\u00f8ljen, samt egenkapitalin-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a4\">strumenter notert p\u00e5 utenlandsk b\u00f8rs. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a5\">Niv\u00e5 3: V<span class=\"_ _0\"></span>erdsettelse basert p\u00e5 annet enn observerbare </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a6\">data </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a7\">Dersom fastsettelsen av v<span class=\"_ _0\"></span>erdi ikke er tilgjengelig i f<span class=\"_ _0\"></span>or-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a8\">hold til niv\u00e5 1 og 2, benyttes verdsettelsesmetoder som </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6a9\">baserer seg p\u00e5 ikke-observerbar inf<span class=\"_ _0\"></span>ormasjon. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6aa\">Virkelig ver<span class=\"_ _0\"></span>di av finansielle instrumenter som ikk<span class=\"_ _0\"></span>e er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6ab\">basert p\u00e5 observerbare markedsdata, er fastsatt p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6ac\">grunnlag av ver<span class=\"_ _0\"></span>dianslag innhentet fra eksterne parter </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6ad\">eller SpareBank 1 Gruppen. V<span class=\"_ _1\"></span>erdivurdering er basert p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6ae\">en eller et gjennomsnitt av flere a<span class=\"_ _0\"></span>v fem ulik<span class=\"_ _0\"></span>e metoder:  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6af\">- siste kjente transaksjonskurs </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b0\">- resultat per aksje </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b1\">- utbytte per aksje </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b2\">- rapportert EBITDA for underliggende ak<span class=\"_ _0\"></span>sjeselskap </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b3\">- siste kjente transaksjonskurs p\u00e5 sammenlignbare </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b4\">instrumenter </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b5\">Instrumenter inkludert i niv\u00e5 3 som verdsettes etter </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b6\">dissse verdsettelsesmetoder omfatter unoterte egen-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b7\">kapitalinstrumenter<span class=\"_ _1\"></span>, som vurderes til virkelig v<span class=\"_ _0\"></span>erdi ov<span class=\"_ _0\"></span>er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b8\">resultatet. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6b9\">Strategiske eierposter i SpareBank 1 selsk<span class=\"_ _0\"></span>apene </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6ba\">verdsettes i ho<span class=\"_ _0\"></span>vedsak til gjennomsnittlig emisjonskurs. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6bb\">V<span class=\"_ _0\"></span>ed verdif<span class=\"_ _0\"></span>all som ikke anses \u00e5 v\u00e6re f<span class=\"_ _0\"></span>orbig\u00e5ende, ned-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6bc\">skrives eierposten til v\u00e5r andel av bokf\u00f8rt egenkapital i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6bd\">selskapet. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6be\">Fastrentel\u00e5n klassifisert i niv\u00e5 3 verdivur<span class=\"_ _0\"></span>deres kvartals-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6bf\">vis basert p\u00e5 en neddiskontert n\u00e5verdi a<span class=\"_ _0\"></span>v fremtidige </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6c0\">kontanstr\u00f8mmer fra portef\u00f8ljen. Diskonteringsr<span class=\"_ _0\"></span>enten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6c1\">settes lik en stipulert markedsrente f<span class=\"_ _0\"></span>or portef\u00f8ljen. V<span class=\"_ _0\"></span>er-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6c2\">dien tilsvarer bank<span class=\"_ _0\"></span>ens beste estimat p\u00e5 prisen en mar-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6c3\">kedsdeltak<span class=\"_ _0\"></span>er vil v\u00e6re villig til \u00e5 betale for fastr<span class=\"_ _0\"></span>enteutl\u00e5n-<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs6c4\">sportef\u00f8ljen i et annenh\u00e5ndsmarked for f<span class=\"_ _0\"></span>astrenteutl\u00e5n.<span class=\"_ _2cc\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-700": {
   "value": "Finansielle eiendeler til virkelig ver<span class=\"_ _0\"></span>di over OCI<span class=\"_ _4f\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _97\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _4b\"> </span><span class=\"_ gs33f\"> </span></span>- Utl\u00e5n klassifisert til virkelig verdi o<span class=\"_ _0\"></span>ver OCI<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>12.841<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12.841<span class=\"_ gs33c\"> </span>Sum eiendeler<span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ gs33e\"> </span>2.920<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>15.405<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>18.325<span class=\"_ gs33e\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-647": {
   "value": "Note 25 \u2013 Virkelig v<span class=\"_ _0\"></span>erdi a<span class=\"_ _0\"></span>v finansielle instrumenter vurdert til amortisert kost<span class=\"_ _2cc\"> </span><table class=\"s w86a h80\" id=\"_948f7e88-d851-48f6-a8b6-e9143f9de9f6\"><tr><td class=\"c n x116 y11e6 w86b h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"ff4 ls0 ws0\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xfcf y11e6 w86c h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd0 y11e6 w86d h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd1 y11e6 w86e h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd2 y11e6 wf2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig verdi<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"c n xfd3 y11e7 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd4 y11e7 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd5 y11e7 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfd6 y11e7 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11e8 ff2 fs7 fc3 sc0 ls0 ws0\">EIENDELER <span class=\"_ _273\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11e9 wa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n xfd7 y11e9 w86f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfd8 y11e9 w4f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfd9 y11e9 w59e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfda y11e9 w870 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x465 h1f y11ea ff9 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder:<span class=\"_ _1ce\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11eb w871 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner (BM)</div></td><td class=\"c n xfdb y11eb w872 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfdc y11eb w872 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfdd y11eb w873 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfde y11eb w873 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ec w874 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle eiendeler</div></td><td class=\"c n xfdf y11ec w875 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.<span class=\"_ _0\"></span>757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfe0 y11ec w876 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfe1 y11ec w877 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xfe2 y11ec w878 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x465 hb y11ed ff2 fs7 fc3 sc0 ls0 ws0\">FORPLIKTELSER<span class=\"_ _275\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11ee wd9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n xfe3 y11ee w879 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe4 y11ee w675 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe5 y11ee w602 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe6 y11ee w602 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.028<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ef w87a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer til amortisert kost</div></td><td class=\"c n xfe7 y11ef w87b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.401<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe8 y11ef w87c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.408<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfe9 y11ef w87d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.759<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfea y11ef w2d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.766<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11f0 w87e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _1\"></span>, virkelig verdi-sikret</div></td><td class=\"c n xc26 y11f0 w87f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfeb y11f0 w24c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfec y11f0 w880 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfed y11f0 w2d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11f1 we9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n xfee y11f1 w881 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfef y11f1 w40d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>411<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff0 y11f1 w6c8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xa0f y11f1 w882 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>409<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11f2 w101 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hybridkapital</div></td><td class=\"c n xff1 y11f2 w883 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff2 y11f2 w62b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>360<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff3 y11f2 w884 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xff4 y11f2 w1a8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>356<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xff5 ye84 w885 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle forpliktelser</div></td><td class=\"c n xff6 ye84 w886 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.229<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xff7 ye84 w887 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _141\"></span>.256<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xff8 ye84 w888 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.240<span class=\"_ gs33e\"> </span></div></td><td class=\"c n xff9 ye84 w889 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.260<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w88a h81\" id=\"_7d5d21ca-b0ae-46f2-a3c5-9b53392e706a\"><tr><td class=\"c n x116 y11f3 w88b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Konsern<span class=\"ff4\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span></div></td><td class=\"c n xffa y11f3 w88c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8r<span class=\"_ _3\"></span>t verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xffb y11f3 wf2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xffc y11f3 w88d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xffd y11f3 w86d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td class=\"c n xffe y11f4 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xfff y11f4 w56b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/25<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1000 y11f4 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1001 y11f4 w56a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31/12/24<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y11f5 ff2 fs7 fc3 sc0 ls0 ws0\">EIENDELER<span class=\"_ _273\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1b9\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs33f\"> </span></span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11f7 w88e h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner</div></td><td class=\"c n x1002 y11f7 w88f h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1003 y11f7 w88f h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>822<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1004 y11f7 w890 h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1005 y11f7 w890 h82\"><div class=\"t m0 x113 h1f y11f6 ff9 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>856<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"t m0 x51f ha y11f8 ff4 fs7 fc3 sc0 ls0 ws0\">Netto utl\u00e5n til og fordringer p\u00e5 kunder:<span class=\"_ _14a\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _98\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11f9 w891 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utl\u00e5n (BM)</div></td><td class=\"c n x1006 y11f9 w872 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1007 y11f9 w872 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12.935<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1008 y11f9 w873 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1009 y11f9 w873 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11.450<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11fa w874 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle eiendeler</div></td><td class=\"c n x100a y11fa w876 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x100b y11fa w876 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>13.757<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x100c y11fa w878 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x100d y11fa w878 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.305<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y11fb ff2 fs7 fc3 sc0 ls0 ws0\">FORPLIKTELSER<span class=\"_ _1be\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _33\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _98\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _144\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y11fc wd9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder</div></td><td class=\"c n x100e y11fc w892 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.<span class=\"_ _0\"></span>489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x100f y11fc w893 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22.<span class=\"_ _0\"></span>489<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1010 y11fc w6a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1011 y11fc w6a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>21.014<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11fd w87a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer til amortisert kost</div></td><td class=\"c n x1012 y11fd w894 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.401<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1013 y11fd w895 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.408<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1014 y11fd w84e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.759<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1015 y11fd w2d4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.766<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11fe w87e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _1\"></span>, virkelig verdi-sikret</div></td><td class=\"c n x1016 y11fe w896 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1017 y11fe w24c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.588<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1018 y11fe w880 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1019 y11fe w880 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.701<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ff we9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital</div></td><td class=\"c n x101a y11ff w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101b y11ff w40d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>411<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101c y11ff w6c8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>402<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101d y11ff w882 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>409<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1200 w101 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Hybridkapital</div></td><td class=\"c n x101e y1200 w883 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x101f y1200 w62b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>360<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1020 y1200 w884 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>350<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1021 y1200 w1a8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>356<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w885 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum finansielle forpliktelser</div></td><td class=\"c n x1022 ye84 w897 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _1\"></span>.230<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1023 ye84 w887 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>27<span class=\"_ _141\"></span>.256<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1024 ye84 w898 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.227<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1025 ye84 w899 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>26.246<span class=\"_ gs33e\"> </span></div></td></tr></table>102<span class=\"_ _2cc\"> </span><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls4 ws0 gs6d4\">Virkelig ver<span class=\"_ _0\"></span>divurdering av poster f\u00f8rt til amortisert kost<span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6d5\">V<span class=\"_ _0\"></span>ed virkelig v<span class=\"_ _0\"></span>erdivurdering a<span class=\"_ _0\"></span>v poster f\u00f8rt til amortisert<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6d6\">kost har vi delt inn i f\u00f8lgende: utl\u00e5n til og f<span class=\"_ _0\"></span>ordringer p\u00e5 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6d7\">kredittinstitusjoner<span class=\"_ _1\"></span>, utl\u00e5n til kunder bedriftsmarked, inn<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6d8\">skudd fra og gjeld til kunder<span class=\"_ _1\"></span>, gjeld til kredittinstitusjoner </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6d9\">og gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _141\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6da\">Utl\u00e5n til kunder og kredittinstitusjoner prises p\u00e5 ulike m\u00e5<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6db\">ter<span class=\"_ _1\"></span>. Her f\u00f8lger en oversikt ov<span class=\"_ _0\"></span>er ulike prismodeller for<span class=\"_ _0\"></span>delt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6dc\">p\u00e5 de ulike kategoriene:<span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6dd\">- Utl\u00e5n til og fordringer p\u00e5 kr<span class=\"_ _0\"></span>edittinstitusjoner prises med </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6de\">utgangspunkt i NIBOR. <span class=\"_ _fb\"> </span><span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6df\">- Utl\u00e5n til kunder personmarked prises med flytende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws1f gs6e0\">kunderente.  <span class=\"_ _279\"> </span> <span class=\"_ _27a\"> </span><span class=\"ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e1\">- Utl\u00e5n til kunder bedriftsmarked prises med flytende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e2\">kunderente samt en del l\u00e5n prises med utgangspunkt i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws6 gs6e3\">NIBOR.<span class=\"ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e4\">Banken vurder<span class=\"_ _0\"></span>er at l\u00e5n til bedriftsmarkedet med flytende </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e5\">rente har en riktig markedspris p\u00e5 balansetidspunktet. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e6\">Begrunnelsen for dette er at den flytende renten k<span class=\"_ _0\"></span>ontinu<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e7\">erlig vurderes og juster<span class=\"_ _0\"></span>es i henhold til renteniv\u00e5et i kapital<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e8\">markedet og endringer i k<span class=\"_ _0\"></span>onkurransesituasjonen.<span class=\"ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6e9\">NIBOR-l\u00e5n p\u00e5 til sammen 6.979 mill kroner (hov<span class=\"_ _0\"></span>edsakelig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6ea\">bedriftsmarkedet) per 31.<span class=\"_ _1\"></span>12.2025 er inng\u00e5tt med forskjelli<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6eb\">ge marginer og med ulike tidsintervall f<span class=\"_ _0\"></span>or renteregulering. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6ec\">Alle disse NIBOR-l\u00e5nene kan ref<span class=\"_ _0\"></span>orhandles kontinuerlig. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6ed\">Banken tilstreber at disse l\u00e5nene har r<span class=\"_ _0\"></span>ett markedspris til </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6ee\">enhver tid.<span class=\"ls0\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls4 ws0 gs6ef\">Gjeld til kredittinstitusjoner og innskudd til kunder<span class=\"ff4 fc3 ls0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f0\">For innskudd til kunder og gjeld til kredittinstitusjoner </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws2 gs6f1\">estimeres virkelig v<span class=\"_ _0\"></span>erdi lik bokf\u00f8rt verdi siden disse i all ho<span class=\"ls0 ws0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f2\">vedsak har flytende rente. Basert p\u00e5 ov<span class=\"_ _0\"></span>ernevnte vurderin<span class=\"ls0\">-<span class=\"_ _2cc\"> </span></span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f3\">ger blir det ingen forskjell mellom bokf\u00f8rt ver<span class=\"_ _0\"></span>di og virkelig </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f4\">verdi i tabellen o<span class=\"_ _0\"></span>ver<span class=\"_ _1\"></span>.<span class=\"_ _3\"></span><span class=\"ls0\"> </span></div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls4 ws0 gs6f5\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer og ansvarlig </div><div class=\"t m0 h4 ff2 fs3 fc2 sc0 ls4 ws6 gs6f6\">l\u00e5nekapital<span class=\"ff4 fc3 ls0 ws0\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f7\">Gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _141\"></span>, ansvarlig<span class=\"_ _3\"></span> </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f8\">l\u00e5nekapital og hybridkapital blir ver<span class=\"_ _0\"></span>divurdert ved teoretisk </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6f9\">markedsv<span class=\"_ _0\"></span>erdivurering basert p\u00e5 rente- og spr<span class=\"_ _0\"></span>eadkurve </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls4 ws0 gs6fa\">fra V<span class=\"_ _0\"></span>erdipapirfondenes f<span class=\"_ _0\"></span>orening. </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-648": {
   "value": "Note 27 \u2013 Finansielle derivater<span class=\"_ _2cc\"> </span>Generell beskrivelse Oppstillingen nedenfor viser virk<span class=\"_ _0\"></span>elig verdi a<span class=\"_ _0\"></span>v bankens finansielle derivater bokf\u00f8rt som eiendeler og gjeld samt nominelle verdier a<span class=\"_ _0\"></span>v kontraktene. P<span class=\"_ _0\"></span>ositiv markedsv<span class=\"_ _0\"></span>erdi av k<span class=\"_ _0\"></span>ontrakter blir bokf\u00f8rt som eiendel, mens negativ markedsv<span class=\"_ _0\"></span>erdi blir bokf\u00f8rt som gjeld. Kontraktsv<span class=\"_ _0\"></span>olumet, oppf\u00f8rt brutto, viser st\u00f8rrelsen av derivatenes underliggende eiendeler<span class=\"_ _1\"></span>, og er grunnlaget for m\u00e5ling a<span class=\"_ _0\"></span>v endringer i virkelig ver<span class=\"_ _0\"></span>di av bankens derivater<span class=\"_ _1\"></span>. Det oppgitte volumet viser utest\u00e5ende volum av transaksjoner v<span class=\"_ _0\"></span>ed \u00e5rets slutt og gir ingen indikasjon p\u00e5 markedsrisik<span class=\"_ _0\"></span>o eller kredittrisiko<span class=\"_ _0\"></span>.  Banken har ingen k<span class=\"_ _0\"></span>ontrakter som kvalifiserer for kontantstr\u00f8msikring<span class=\"_ _2cc\"> </span>MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"ls0 ws0\"> </span>Alle bel\u00f8p er like for morbank og k<span class=\"_ _0\"></span>onsern (bel\u00f8p i mnok).<span class=\"_ _2cc\"> </span>Til virkelig ver<span class=\"_ _0\"></span>di over resultatet<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>Kontraktssum<span class=\"_ _2cc\"> </span>Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span>Kontraktssum<span class=\"_ _2cc\"> </span>Virkelig ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Forpliktelser<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Forpliktelser<span class=\"_ _2cc\"> </span>Renteinstrumenter<span class=\"_ _2cc\"> </span>Renteswapper fastr<span class=\"_ _0\"></span>ente utl\u00e5n<span class=\"_ gs33c\"> </span>1.096<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>1.001<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>34<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Sum renteinstrumenter<span class=\"_ gs33e\"> </span>1.096<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>23<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ gs33e\"> </span>1.001<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>34<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span>Sikring av innl\u00e5n<span class=\"_ _23b\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _14\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs33f\"> </span></span>Rentebyttea<span class=\"_ _0\"></span>vtaler (inkl. renteswap)<span class=\"_ gs33c\"> </span>2.600<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>56<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3.520<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>54<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span>Sum renteinstrumenter sikring<span class=\"_ gs33e\"> </span>2.600<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>56<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3.520<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>54<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>87<span class=\"_ gs33e\"> </span>Sum finansielle derivater <span class=\"_ _9b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _14\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _7b\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _78\"> </span><span class=\"_ gs4e9\"> </span>Sum renteinstrumenter<span class=\"_ gs33c\"> </span>3.696<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4.521<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>87<span class=\"_ gs33c\"> </span>Sum finansielle derivater<span class=\"_ gs33e\"> </span>3.696<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>79<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>77<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>4.521<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>88<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>87<span class=\"_ _2cc\"> </span><div class=\"t m0 h7 ff5 fs3 fc3 sc0 ls0 ws0 gs701\">Virkelig ver<span class=\"_ _0\"></span>disikring </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs702\">Konsernet har gjennomf\u00f8rt en ver<span class=\"_ _0\"></span>disikring av </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs703\">fastrenteinnl\u00e5n med en balansev<span class=\"_ _0\"></span>erdi p\u00e5 2.600 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs704\">mill. kroner<span class=\"_ _1\"></span>. Innl\u00e5nene sikres 1:1 gjennom eksterne </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs705\">kontrakter hvor det er sams<span class=\"_ _0\"></span>var mellom l\u00f8petid og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs706\">fastrenten i sikringsobjektet og sikringsf<span class=\"_ _0\"></span>orretningen. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs707\">Konsernet utarbeider kvartalsvis dokumentasjon </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs708\">p\u00e5 at sikringsobjektet og sikringsinstrumentet er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs709\">sikringseffektivt. V<span class=\"_ _0\"></span>ed bruk av sikringsbokf\u00f8ring sikr<span class=\"_ _0\"></span>er </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs70a\">konsernet seg mot bev<span class=\"_ _0\"></span>egelser i markedsrenten. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs70b\">Endringer i kredittspread mot mark<span class=\"_ _0\"></span>edsrenten er ikke en </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs70c\">del av sikret risik<span class=\"_ _0\"></span>o og p\u00e5virker derfor ikk<span class=\"_ _0\"></span>e effektiviteten </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs70d\">i sikringsbokf\u00f8ringen.  </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs70e\">Endring i virkelig ver<span class=\"_ _0\"></span>di av sikringsinstrumentet i 1:1 </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs70f\">sikringen var 22,8 mill. kroner i 2024 (<span class=\"_ _0\"></span>-36,6 mill. kroner), </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs710\">mens endring i virkelig ver<span class=\"_ _0\"></span>di av sikringsobjektet i </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs711\">1:1 sikringen var -22,9 mill. kr<span class=\"_ _0\"></span>oner (38,9 mill.kroner). </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs712\">Sikringsineffektiviteten innregnet i r<span class=\"_ _0\"></span>esultatet </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs713\">utgjorde dermed -0,<span class=\"_ _1\"></span>1 mill.kroner (2,3 mill.kroner). </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs714\">Resultateff<span class=\"_ _0\"></span>ektene er inkludert i resultatlinjen \"netto </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs715\">resultat fra andre finansielle inv<span class=\"_ _0\"></span>esteringer\"<span class=\"_ _0\"></span>. <span class=\"ff5\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-650": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 28 \u2013 Aksjer<span class=\"_ _141\"></span>, andeler og andre egenkapitalinteresser<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w8cf h86\" id=\"_2b2213e9-6088-4667-902a-40dc0a347ea8\"><tr><td class=\"c n x114 y11c3 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y11c3 w8d0 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Aksjer og andeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10a8 y11c3 w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y121f w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10a9 y121f w8d1 h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10aa y121f w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ab y121f w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ac y121f w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x10ad ha y1220 ff4 fs7 fc3 sc0 ls0 ws0\">Til virkelig ver<span class=\"_ _0\"></span>di over resultat<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x10ae y1221 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x10af y1221 w8d3 h87\"><div class=\"t m0 x113 hc yf77 ff9 fs7 fc3 sc0 ls0 ws0\">- B\u00f8rsnoterte egenkapitalbevis<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x10b0 y1221 w75 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x11c y1222 w3ab h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b1 y1222 w190 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b2 y1222 w8d4 h87\"><div class=\"t m0 x113 hc yf77 ff9 fs7 fc3 sc0 ls0 ws0\">- Unoter<span class=\"_ _3\"></span>te selskaper<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b3 y1222 w190 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b4 y1222 w8d5 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1241<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1223 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b5 y1223 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b6 y1223 w8d6 h87\"><div class=\"t m0 x113 hc yf77 ff9 fs7 fc3 sc0 ls0 ws0\">- Unoterte fond<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b7 y1223 w8d7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b8 y1223 w75 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x11c y1224 w8d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b9 y1224 w8d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ba y1224 w8da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum aksjer og andeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bb y1224 w8db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bc y1224 w8dc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1241<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x439 ye83 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bd ye83 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10be ye83 w8dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum b\u00f8rsnoterte selskaper<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x10bf ye83 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x11c ye84 w8d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b9 ye84 w8d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ba ye84 w8de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum unoterte selskaper<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c0 ye84 w8db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c1 ye84 w8df h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1241</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-649": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs71b\">Note 29 \u2013 Goodwill og andre immaterielle eiendeler </div><div class=\"gs71e\"><table class=\"s w8e0 h88\" id=\"_cc43b225-3ff0-46c3-bb6f-55d3b16014ff\"><tr><td class=\"c n x114 y1225 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y1225 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1226 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1226 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025</div></td><td class=\"c n x105c y1226 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c3 y1226 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c4 y1226 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1227 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b5 y1227 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n x10b6 y1227 w8e1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Goodwill<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c5 y1227 w8e2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">60<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c6 y1227 w8e3 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">61<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1228 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b5 y1228 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0</div></td><td class=\"c n x10b6 y1228 w8e4 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Andre imaterielle eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c7 y1228 w8e5 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c8 y1228 w8e5 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x439 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bd ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10be ye84 w8e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum goodwill og andre immaterielle eiendeler 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c9 ye84 w8e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">67<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ca ye84 w8e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">68<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs71f\"><table class=\"s w8e9 h89\" id=\"_6e90e750-b946-4016-82c5-eb4699aedc1f\"><tr><td class=\"c n x114 y1229 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y1229 w8ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Goodwill<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cb y1229 w8af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y122a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y122a w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y122a w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c3 y122a w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c4 y122a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y122b w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cd y122b w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ce y122b w8eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsekost 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cf y122b we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">64<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d0 y122b w719 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y122c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y122c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y122c w8ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d3 y122c w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d4 y122c w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y122d w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y122d w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y122d w8ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d5 y122d w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d6 y122d w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y122e w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cd y122e w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ce y122e w8ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsekost 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d7 y122e w12a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">64<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d8 y122e we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">64<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y122f w8ef h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d9 y122f w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10da y122f w8f0 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte nedskrivninger 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10db y122f w26 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10dc y122f w83 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1230 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b5 y1230 w73 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10dd y1230 w8f1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10de y1230 w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10df y1230 w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y1231 w8ef h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d9 y1231 w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10da y1231 w8f2 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte nedskrivninger 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e0 y1231 w35 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e1 y1231 w26 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w89 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e3 ye84 w8f3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt goodwill 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e4 ye84 w8f4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e5 ye84 w163 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">61<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs720\">Balansef\u00f8rt goodwill i konsernet knytter seg til goodwill tilknyttet Eiendomsmegler 1 Ringerike Hadeland AS i f<span class=\"_ _0\"></span>orbindelse med </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs721\">morbankfusjonen mellom tidligere Ringerike Spar<span class=\"_ _0\"></span>ebank, Sparebanken Jevnak<span class=\"_ _0\"></span>er Lunner og Gran Sparebank i 2010 (16,2 mill. kroner) </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs722\">samt goodwill ved oppkj\u00f8p av Spar<span class=\"_ _0\"></span>eBank 1 \u00d8konomihuset AS og SpareBank1 \u00d8konomihuset IT<span class=\"_ _1\"></span>-Nett AS i 2015 (33,6 mill. kroner). Videre </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs723\">medf\u00f8rte oppkj\u00f8p av Fokus R<span class=\"_ _0\"></span>egnskap AS og BS Regnskap AS i 2023 en tilgang p\u00e5 14 mill. kr<span class=\"_ _0\"></span>oner<span class=\"_ _0\"></span>. Rest goodwill knytter seg til oppkj\u00f8pet </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs724\">av datterdatter (Eiendomsmegler 1 Gj\u00f8vik AS) i 2010 som samme \u00e5r ble fusjonert inn i Eiendomsmegleren Ringerik<span class=\"_ _0\"></span>e Hadeland AS </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs725\">(datterselskap). </div><div class=\"gs71e\"><table class=\"s w8f5 h8a\" id=\"_406fa0fe-98e6-40f4-a16c-e3e42ce9cf6b\"><tr><td class=\"c n x114 y1232 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y1232 w8f6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andre immaterielle eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cb y1232 w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1233 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1233 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1233 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c3 y1233 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c4 y1233 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1234 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1234 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1234 w8f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsek<span class=\"_ _0\"></span>ost 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e8 y1234 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e9 y1234 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1094 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1094 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1094 w8ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d5 y1094 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ea y1094 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1235 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1235 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1235 w8ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d3 y1235 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d4 y1235 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1236 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1236 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1236 w8f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsek<span class=\"_ _0\"></span>ost 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10eb y1236 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ec y1236 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1237 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1237 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1237 w8fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte av- og nedskrivninger 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ed y1237 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ee y1237 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 w8fb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang akkumulerte av- og nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ef y1238 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f0 y1238 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x157 yfca w8fc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f1 yfca w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f2 yfca w8fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets av- og nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f3 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f4 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1239 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1239 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1239 w8fe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte av- og nedskrivninger 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f5 y1239 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f6 y1239 w8ff h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 w900 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andre immaterielle eiendeler 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f8 ye84 w901 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f9 ye84 w1c7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs727\">Andre immaterielle eiendeler i konsern best\u00e5r i tillegg a<span class=\"_ _0\"></span>v identifisert og beregnet merverdi p\u00e5 kundeportef\u00f8lje og merkevar<span class=\"_ _0\"></span>e ved </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs728\">oppkj\u00f8pet av SpareBank 1 \u00d8k<span class=\"_ _0\"></span>onomihuset AS og SpareBank 1 \u00d8konomihuset IT<span class=\"_ _1\"></span>-nett AS i 2015 samt ervervede lisenser i EiendomsMegler 1 </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws1b gs729\">Ringerike <span class=\"_ _28f\"></span>Hadeland <span class=\"_ _28f\"></span>AS. <span class=\"_ _290\"></span>      </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-732": {
   "value": "<table class=\"s w8cf h86\" id=\"_2b2213e9-6088-4667-902a-40dc0a347ea8\"><tr><td class=\"c n x114 y11c3 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y11c3 w8d0 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Aksjer og andeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10a8 y11c3 w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y121f w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10a9 y121f w8d1 h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10aa y121f w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ab y121f w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ac y121f w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x10ad ha y1220 ff4 fs7 fc3 sc0 ls0 ws0\">Til virkelig ver<span class=\"_ _0\"></span>di over resultat<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x10ae y1221 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x10af y1221 w8d3 h87\"><div class=\"t m0 x113 hc yf77 ff9 fs7 fc3 sc0 ls0 ws0\">- B\u00f8rsnoterte egenkapitalbevis<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x10b0 y1221 w75 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x11c y1222 w3ab h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b1 y1222 w190 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b2 y1222 w8d4 h87\"><div class=\"t m0 x113 hc yf77 ff9 fs7 fc3 sc0 ls0 ws0\">- Unoter<span class=\"_ _3\"></span>te selskaper<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b3 y1222 w190 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b4 y1222 w8d5 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1241<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1223 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b5 y1223 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b6 y1223 w8d6 h87\"><div class=\"t m0 x113 hc yf77 ff9 fs7 fc3 sc0 ls0 ws0\">- Unoterte fond<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b7 y1223 w8d7 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b8 y1223 w75 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x11c y1224 w8d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b9 y1224 w8d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ba y1224 w8da h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum aksjer og andeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bb y1224 w8db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bc y1224 w8dc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1241<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x439 ye83 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10bd ye83 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10be ye83 w8dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum b\u00f8rsnoterte selskaper<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x10bf ye83 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x11c ye84 w8d8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1240<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b9 ye84 w8d9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ba ye84 w8de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum unoterte selskaper<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c0 ye84 w8db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1367<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c1 ye84 w8df h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">1241</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-701": {
   "value": "<table class=\"s w8e9 h89\" id=\"_6e90e750-b946-4016-82c5-eb4699aedc1f\"><tr><td class=\"c n x114 y1229 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y1229 w8ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Goodwill<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cb y1229 w8af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y122a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y122a w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y122a w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c3 y122a w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c4 y122a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y122b w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cd y122b w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ce y122b w8eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsekost 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cf y122b we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">64<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d0 y122b w719 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y122c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y122c w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y122c w8ec h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d3 y122c w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d4 y122c w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y122d w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y122d w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y122d w8ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d5 y122d w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d6 y122d w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y122e w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cd y122e w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ce y122e w8ee h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsekost 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d7 y122e w12a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">64<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d8 y122e we h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">64<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y122f w8ef h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d9 y122f w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10da y122f w8f0 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte nedskrivninger 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10db y122f w26 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10dc y122f w83 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1230 w8d2 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10b5 y1230 w73 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10dd y1230 w8f1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10de y1230 w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10df y1230 w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10cc y1231 w8ef h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d9 y1231 w84 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10da y1231 w8f2 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte nedskrivninger 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e0 y1231 w35 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e1 y1231 w26 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w89 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e3 ye84 w8f3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt goodwill 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e4 ye84 w8f4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">59<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e5 ye84 w163 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">61<span class=\"_ _2cc\"> </span></div></td></tr></table>Balansef\u00f8rt goodwill i konsernet knytter seg til goodwill tilknyttet Eiendomsmegler 1 Ringerike Hadeland AS i f<span class=\"_ _0\"></span>orbindelse med morbankfusjonen mellom tidligere Ringerike Spar<span class=\"_ _0\"></span>ebank, Sparebanken Jevnak<span class=\"_ _0\"></span>er Lunner og Gran Sparebank i 2010 (16,2 mill. kroner) samt goodwill ved oppkj\u00f8p av Spar<span class=\"_ _0\"></span>eBank 1 \u00d8konomihuset AS og SpareBank1 \u00d8konomihuset IT<span class=\"_ _1\"></span>-Nett AS i 2015 (33,6 mill. kroner). Videre medf\u00f8rte oppkj\u00f8p av Fokus R<span class=\"_ _0\"></span>egnskap AS og BS Regnskap AS i 2023 en tilgang p\u00e5 14 mill. kr<span class=\"_ _0\"></span>oner<span class=\"_ _0\"></span>. Rest goodwill knytter seg til oppkj\u00f8pet av datterdatter (Eiendomsmegler 1 Gj\u00f8vik AS) i 2010 som samme \u00e5r ble fusjonert inn i Eiendomsmegleren Ringerik<span class=\"_ _0\"></span>e Hadeland AS (datterselskap). ",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-702": {
   "value": "<table class=\"s w8f5 h8a\" id=\"_406fa0fe-98e6-40f4-a16c-e3e42ce9cf6b\"><tr><td class=\"c n x114 y1232 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1059 y1232 w8f6 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andre immaterielle eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10cb y1232 w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1233 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1233 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1233 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c3 y1233 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10c4 y1233 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1234 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1234 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1234 w8f8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsek<span class=\"_ _0\"></span>ost 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e8 y1234 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e9 y1234 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1094 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1094 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1094 w8ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d5 y1094 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ea y1094 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1235 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1235 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1235 w8ec h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d3 y1235 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d4 y1235 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1236 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1236 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1236 w8f9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelsek<span class=\"_ _0\"></span>ost 31.<span class=\"_ _0\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10eb y1236 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ec y1236 w646 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">52<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1237 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1237 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1237 w8fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte av- og nedskrivninger 01.01<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ed y1237 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ee y1237 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 w8fb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang akkumulerte av- og nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10ef y1238 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f0 y1238 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x157 yfca w8fc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f1 yfca w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f2 yfca w8fd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets av- og nedskrivninger<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f3 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f4 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1239 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e6 y1239 w8f7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e7 y1239 w8fe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulerte av- og nedskrivninger 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f5 y1239 w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f6 y1239 w8ff h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">45<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 w900 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andre immaterielle eiendeler 31.<span class=\"_ _1\"></span>12<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f8 ye84 w901 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f9 ye84 w1c7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr></table>Andre immaterielle eiendeler i konsern best\u00e5r i tillegg a<span class=\"_ _0\"></span>v identifisert og beregnet merverdi p\u00e5 kundeportef\u00f8lje og merkevar<span class=\"_ _0\"></span>e ved oppkj\u00f8pet av SpareBank 1 \u00d8k<span class=\"_ _0\"></span>onomihuset AS og SpareBank 1 \u00d8konomihuset IT<span class=\"_ _1\"></span>-nett AS i 2015 samt ervervede lisenser i EiendomsMegler 1 Ringerike <span class=\"_ _28f\"></span>Hadeland <span class=\"_ _28f\"></span>AS.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-703": {
   "value": "150<span class=\"_ _2cc\"> </span>42<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>8<span class=\"_ _2cc\"> </span>200<span class=\"_ _2cc\"> </span>Anskaffelseskost 01.01.2025<span class=\"_ _2cc\"> </span>157<span class=\"_ _2cc\"> </span>50<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>39<span class=\"_ _2cc\"> </span>246<span class=\"_ _2cc\"> </span>32<span class=\"_ _2cc\"> </span>4<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>37<span class=\"_ _2cc\"> </span>Tilgang<span class=\"_ _2cc\"> </span>32<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>37<span class=\"_ _2cc\"> </span>2<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>Avgang<span class=\"_ _2cc\"> </span>2<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>180<span class=\"_ _2cc\"> </span>42<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>8<span class=\"_ _2cc\"> </span>230<span class=\"_ _2cc\"> </span>Anskaffelseskost 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span>187<span class=\"_ _2cc\"> </span>50<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>39<span class=\"_ _2cc\"> </span>276<span class=\"_ _2cc\"> </span>Akkumulert av-og nedskriv-<span class=\"_ _2cc\"> </span>85<span class=\"_ _2cc\"> </span>34<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>125<span class=\"_ _2cc\"> </span>ning 01.01.2015<span class=\"_ _2cc\"> </span>87<span class=\"_ _2cc\"> </span>40<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>22<span class=\"_ _2cc\"> </span>150<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>2<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>1<span class=\"_ _2cc\"> </span>10<span class=\"_ _2cc\"> </span>\u00c5rets avskrivning<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>3<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>4<span class=\"_ _2cc\"> </span>14<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>4<span class=\"_ _2cc\"> </span>4<span class=\"_ _2cc\"> </span>\u00c5rets nedskrivning<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>2<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>\u00c5rets avgang<span class=\"_ _2cc\"> </span>2<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>7<span class=\"_ _2cc\"> </span>Akkumulert avskrivning og 89<span class=\"_ _2cc\"> </span>31<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>4<span class=\"_ _2cc\"> </span>124<span class=\"_ _2cc\"> </span>nedskrivning 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span>92<span class=\"_ _2cc\"> </span>39<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>21<span class=\"_ _2cc\"> </span>152<span class=\"_ _2cc\"> </span>90<span class=\"_ _2cc\"> </span>11<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>5<span class=\"_ _2cc\"> </span>106<span class=\"_ _2cc\"> </span>Balansef\u00f8rt verdi 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span>95<span class=\"_ _2cc\"> </span>11<span class=\"_ _2cc\"> </span>0<span class=\"_ _2cc\"> </span>17<span class=\"_ _2cc\"> </span>124<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-651": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 30 \u2013 Eiendom, anlegg og utstyr </div><div class=\"gs2bf\"><table class=\"s w902 h8b\" id=\"_7a742b0b-1dd7-4240-bb57-1dd389eb8b95\"><tr><td></td><td></td><td class=\"c n x10fa y123a w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td class=\"c n x10fb y123a w8af h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td></tr><tr><td></td><td class=\"t m0 x10fc hb y123b ff2 fs7 fc3 sc0 ls0 ws0\">Maskiner<span class=\"_ _1\"></span>, </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x10fd hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">Bygg, </td><td class=\"t m0 x10fe hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">inventar </td><td></td><td></td><td></td><td></td><td class=\"t m0 x10ff hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">Bygg, </td><td class=\"t m0 x1100 hb y123c ff2 fs7 fc3 sc0 ls0 ws0\">Maskiner<span class=\"_ _1\"></span>, </td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x1101 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">tomter og </td><td class=\"t m0 x1102 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">og trans-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1103 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">Anlegg </td><td></td><td></td><td></td><td class=\"t m0 x1104 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">tomter og </td><td class=\"t m0 x1105 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">inventar </td><td class=\"t m0 x1106 hb y123d ff2 fs7 fc3 sc0 ls0 ws0\">Anlegg </td><td></td><td></td></tr><tr><td class=\"t m0 x18e hb y123e ff2 fs7 fc3 sc0 ls0 ws20\">annen fast </td><td class=\"t m0 x1102 hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">portmid-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1107 hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">under </td><td class=\"t m0 x1108 hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">IFRS 16 </td><td></td><td></td><td class=\"t m0 x1109 hb y123e ff2 fs7 fc3 sc0 ls0 ws20\">annen fast </td><td class=\"t m0 x110a hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">og trans-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x110b hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">under </td><td class=\"t m0 x110c hb y123e ff2 fs7 fc3 sc0 ls0 ws0\">IFRS 16 </td><td></td></tr><tr><td class=\"t m0 x110d hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">eiendom<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x110e hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">ler<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x110f hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">utf\u00f8relse<span class=\"_ _2cc\"> </span></td><td class=\"c n x1110 y1240 w903 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">bruksrett<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1111 y1240 w904 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1112 y1240 w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x1113 hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">eiendom<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1114 hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">portmidler<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1115 hb y123f ff2 fs7 fc3 sc0 ls0 ws0\">utf\u00f8relse<span class=\"_ _2cc\"> </span></td><td class=\"c n x1116 y1240 w903 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">bruksrett<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1117 y1240 w904 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>otalt<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1118 y1241 w28 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">149<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1119 y1241 w760 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111a y1241 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111b y1241 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111c y1241 w9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">199<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111d y1241 w905 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 01.01.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111e y1241 w49 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">156<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x111f y1241 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">47<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1120 y1241 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1121 y1241 w33 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1122 y1241 w906 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">243<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1123 y1242 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1124 y1242 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1125 y1242 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1126 y1242 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1127 y1242 w14b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1128 y1242 w8ed h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1129 y1242 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112a y1242 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112b y1242 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112c y1242 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112d y1242 w125 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1243 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1243 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1130 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1131 y1243 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1132 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1133 y1243 w907 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1134 y1243 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1135 y1243 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1136 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1137 y1243 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1138 y1243 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1118 y1244 w1ac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1139 y1244 wc7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113a y1244 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113b y1244 wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113c y1244 w33c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113d y1244 w908 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113e y1244 wbc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x113f y1244 w719 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1140 y1244 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1141 y1244 w33 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1142 y1244 w1be h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">246<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y1245 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert av-og nedskriv-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1144 y1246 w3e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">78<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1145 y1246 w909 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1146 y1246 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1147 y1246 w804 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1148 y1246 w1a4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">115<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 y1246 w90a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ning 01.01.2018<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114a y1246 w24 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">81<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114b y1246 wbb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114c y1246 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114d y1246 w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">19<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114e y1246 w363 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">137<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1247 w11d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114f y1247 w90b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1150 y1247 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1151 y1247 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1152 y1247 w61 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1153 y1247 w90c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1154 y1247 w1a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1155 y1247 w26 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1156 y1247 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1157 y1247 w14c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1158 y1247 w120 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1159 y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115a y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115b y1248 w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115c y1248 w90d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets nedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115d y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115e y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115f y1248 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1160 y1248 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1161 y1248 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1159 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115a y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115b y1249 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x115c y1249 w90e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1162 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1163 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1164 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1165 y1249 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1166 y1249 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y124a ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert avskrivning og </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1144 y124b w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1167 y124b w77 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1168 y124b w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1169 y124b w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116a y124b w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 y124b w90f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">nedskrivning 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116b y124b we2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116c y124b w8f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116d y124b w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116e y124b w122 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x116f y124b w12f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1170 y124c w910 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">65<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1171 y124c w81d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1172 y124c w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1173 y124c w812 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1174 y124c w911 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">75<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1175 y124c w912 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi 31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1176 y124c w913 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">70<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1177 y124c w115 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">9<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1178 y124c w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1179 y124c w914 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117a y124c w915 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">96<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x117b y124d w1ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117c y124d wc7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117d y124d w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117e y124d wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x117f y124d w33c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">200<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1180 y124d w916 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 01.01.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1181 y124d w34c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">157<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1182 y124d w719 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1183 y124d w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1184 y124d w33 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1185 y124d w1be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">246<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1144 y1090 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1186 y1090 w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1187 y1090 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1188 y1090 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1189 y1090 w917 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118a y1090 w8ed h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118b y1090 wda h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">32<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118c y1090 w66a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118d y1090 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118e y1090 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x118f y1090 wbb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">37<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y124e w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1190 y124e w136 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1191 y124e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1192 y124e w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1193 y124e w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1194 y124e w907 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1195 y124e w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1196 y124e w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1197 y124e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1198 y124e w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1199 y124e wa2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x117b y124f wfc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">180<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119a y124f wc7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">42<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119b y124f w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119c y124f wc6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119d y124f w918 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">230<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119e y124f w919 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Anskaffelseskost 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x119f y124f w91a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">187<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a0 y124f w719 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">50<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a1 y124f w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a2 y124f w30 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a3 y124f w128 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">276<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y1250 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert av-og nedskriv-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1170 y1208 w20a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a4 y1208 w77 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a5 y1208 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a6 y1208 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a7 y1208 w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">125<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 y1208 w91b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ning 01.01.2015<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a8 y1208 w3e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">87<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11a9 y1208 w91c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">40<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11aa y1208 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ab y1208 w122 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">22<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ac y1208 w1b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1251 w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x114f y1251 w90b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1150 y1251 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1151 y1251 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1152 y1251 w61 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1153 y1251 w90c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1154 y1251 w1a0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1155 y1251 w26 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1156 y1251 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ad y1251 w125 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ae y1251 w82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y1210 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x112f y1210 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1159 y1210 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11af y1210 w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b0 y1210 w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b1 y1210 w90d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets nedskrivning<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b2 y1210 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b3 y1210 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b4 y1210 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b5 y1210 w66a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b6 y1210 w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x112e y120a w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1190 y120a w136 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1191 y120a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1192 y120a w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1193 y120a w11d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1194 y120a w91d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00c5rets avgang<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b7 y120a w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b8 y120a w35 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11b9 y120a w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ba y120a w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bb y120a w1a0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7<span class=\"_ _2cc\"> </span></div></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1143 ha y1252 ff4 fs7 fc3 sc0 ls0 ws0\">Akkumulert avskrivning og </td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x1170 yfca w91e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">89<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bc yfca wcf h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">31<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bd yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11be yfca w34 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11bf yfca w306 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1149 yfca w91f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">nedskrivning 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c0 yfca wad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">92<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c1 yfca w33 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">39<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c2 yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c3 yfca w120 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c4 yfca w1fa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">152<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1170 ye84 w920 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">90<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c5 ye84 w921 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c6 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c7 ye84 w922 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c8 ye84 w112 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">106<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11c9 ye84 w923 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi 31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ca ye84 w924 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">95<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cb ye84 w921 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">11<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cc ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cd ye84 w925 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">17<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ce ye84 w269 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">124<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs72b\"><span class=\"_ gs33f\"> </span><span class=\"_ _e2\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _da\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _cd\"> </span><span class=\"_ gs33f\"> </span></div>Avskrivning Prosentsats for or<span class=\"_ _0\"></span>din\u00e6re av<span class=\"_ _0\"></span>skrivninger er 2-5 % for bankby<span class=\"_ _0\"></span>gg og annen fast eiendom, tomter 0 %, innredning og inventar 10-30 %, maskiner- og IT<span class=\"_ _141\"></span>-utstyr 15-30 % og transportmidler 20-25 %.<span class=\"ff5\"> </span>Sikkerhetsstillelse Banken har ikk<span class=\"_ _0\"></span>e pantsatt eller akseptert andre r\u00e5dighetsbegrensninger for sine anleggsmidler<span class=\"_ _2cc\"> </span><span class=\"_ _141\"></span>.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-652": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 31 \u2013 Andre eiendeler<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w926 h8c\" id=\"_443d6158-f493-4a2e-8e8f-d5f3a1fe9576\"><tr><td class=\"c n x114 y1253 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y1253 w3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1254 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1254 w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1254 w25d h22\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y1254 w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y1254 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x3d1 y1255 w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d1 y1255 w11e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d2 y1255 w927 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forskuddsbet. ikke p\u00e5l\u00f8pte kostnader og opptj. ikk<span class=\"_ _0\"></span>e mottatte innt.<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d3 y1255 w25 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">51<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d4 y1255 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">47<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1213 we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">49<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d5 y1213 w77 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d6 y1213 w928 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d7 y1213 wd0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d8 y1213 we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">49<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 ye84 w929 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">63<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d9 ye84 w92a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">55<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11da ye84 w92b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11db ye84 we h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11dc ye84 w92c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">96</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-627": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs72f\">Note 32 \u2013 Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span></div><table class=\"s w92d h8d\" id=\"_2b4e768f-21ca-4400-8464-acdb49d0b6bd\"><tr><td class=\"c n x11dd y1256 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x11de y1256 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa28 y1257 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11df y1257 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e0 y1257 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e1 y1257 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e2 y1257 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n xa43 y11cb w92e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15.<span class=\"_ _1\"></span>168<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e3 y11cb w700 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.091<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e4 y11cb w92f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder uten avtalt l\u00f8petid</div></td><td class=\"c n x11e5 y11cb w930 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.064<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e6 y11cb w931 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15.154<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa43 y1258 w246 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.860<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e7 y1258 w932 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.398<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e8 y1258 w933 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder med avtalt l\u00f8petid</div></td><td class=\"c n x11e9 y1258 w934 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.398<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11ea y1258 w246 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.860<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w935 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11eb ye84 w936 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.489<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11ec ye84 w937 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum innskudd fra og gjeld til kunder</div></td><td class=\"c n x11ed ye84 w938 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.<span class=\"_ _0\"></span>462<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11ee ye84 w939 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.014<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w93a h8e\" id=\"_7ff20b51-8215-467c-bd67-38c1abfef981\"><tr><td class=\"c n x11dd y1259 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x11de y1259 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa28 y125a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11df y125a w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e0 y125a w93b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Innskudd fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ef y125a w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11f0 y125a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x11f1 y1204 w93c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.755<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f2 y1204 w93d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14.604<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f3 y1204 w354 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e o.l</div></td><td class=\"c n x11f4 y1204 w93e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14.604<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f5 y1204 w93f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.755<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x11f6 y125b w677 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>609<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f7 y125b w759 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>729<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f8 y125b w940 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig sektor</div></td><td class=\"c n x11f9 y125b w941 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>729<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fa y125b w411 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>609<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y125c w3e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>473<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fb y125c w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>566<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fc y125c w358 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Prim\u00e6rn\u00e6ringer</div></td><td class=\"c n x11fd y125c w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>566<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fe y125c w3e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>473<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x11f6 y125d w55e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11ff y125d w943 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>330<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1200 y125d w944 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Industri og bergverk</div></td><td class=\"c n x1201 y125d w945 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>330<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x143 y125d w6a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x11f6 y1207 w7f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>938<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1202 y1207 w3b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>120<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1203 y1207 w946 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bygg- og anleggsvirksomhet</div></td><td class=\"c n x1204 y1207 w2f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>120<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1205 y1207 w415 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>938<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y1208 w5e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>435<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1206 y1208 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>426<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1207 y1208 w33d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Varehandel</div></td><td class=\"c n x1208 y1208 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>426<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1209 y1208 w5e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>435<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x120a y1251 w60a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120b y1251 w947 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120c y1251 w948 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransport</div></td><td class=\"c n x120d y1251 w949 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120e y1251 w744 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa14 y1210 w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120f y1210 w94a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1210 y1210 w94b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overnattings- og serveringsvirksomhet</div></td><td class=\"c n x1211 y1210 w94c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1212 y1210 w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1213 y120a w94d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>104<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1214 y120a w1c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.290<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1215 y120a w349 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Omsetning/drift eiendommer</div></td><td class=\"c n x1216 y120a w94e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.282<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1217 y120a w94f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.094<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1213 y120b w2e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.305<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1218 y120b w3a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.654<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1219 y120b w950 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tjenesteytende virksomhet</div></td><td class=\"c n x121a y120b w716 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.635<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121b y120b w66b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.301<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y1255 w951 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>772<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121c y1255 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>410<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121d y1255 w34d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diverse n\u00e6ringer</div></td><td class=\"c n x121e y1255 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>410<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121f y1255 w952 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>772<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa1d y1213 w1e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1220 y1213 w5aa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1221 y1213 w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter</div></td><td class=\"c n x1222 y1213 w560 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1223 y1213 w1e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w935 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11eb ye84 w936 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.489<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11ec ye84 w953 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum innskudd fordelt p\u00e5 sektor og n\u00e6ring</div></td><td class=\"c n x1224 ye84 w954 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.462<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1225 ye84 w939 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.014<span class=\"_ gs33e\"> </span></div></td></tr></table>MORBANK<span class=\"_ _2cc\"> </span>KONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>Innskudd fordelt p\u00e5 geografiske omr\u00e5der<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>3.628<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3.913<span class=\"_ gs33c\"> </span>Innlandet<span class=\"_ gs33c\"> </span>3.913<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3.628<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>6.683<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.318<span class=\"_ gs33c\"> </span>Akershus<span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.318<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>6.683<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.884<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>8.407<span class=\"_ gs33c\"> </span>Buskerud<span class=\"_ gs33c\"> </span>8.380<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.871<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.867<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.891<span class=\"_ gs33c\"> </span>Oslo<span class=\"_ gs33c\"> </span>1.891<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.867<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>779<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>787<span class=\"_ gs33c\"> </span>Landet for \u00f8vrig<span class=\"_ gs33c\"> </span>787<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>779<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>174<span class=\"_ gs33c\"> </span>Utlandet<span class=\"_ gs33c\"> </span>174<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>21.028<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>22.489<span class=\"_ gs33e\"> </span>Sum innskudd fordelt p\u00e5 geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ gs33e\"> </span>22.<span class=\"_ _0\"></span>462<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>21.014<span class=\"_ _2cc\"> </span><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs73a\">Note 33 \u2013 Gjeld ved utstedelse a<span class=\"_ _0\"></span>v ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span></div><div class=\"gs732\"><table class=\"s w969 h90\" id=\"_96bc59b8-3093-4188-98ae-39f36b9d0f9f\"><tr><td class=\"c n x1243 y1262 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1244 y1262 w3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y1263 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1245 y1263 w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y1263 w25d h22\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1247 y1263 w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1248 y1263 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 x1249 ha y1264 ff4 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span>Sertifikater og andr<span class=\"_ _0\"></span>e kortsiktige l\u00e5neopptak<span class=\"_ _1aa\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x124a y1265 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y1265 w96a h22\" colspan=\"2\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>- p\u00e5lydende verdi</div></td><td class=\"c n x124c y1265 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x124d y1265 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x124a y1266 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y1266 w96b h22\" colspan=\"2\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>- virkelig ver<span class=\"_ _0\"></span>di</div></td><td class=\"c n x124e y1266 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x124f y1266 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1249 hb y1267 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Obligasjonsgjeld<span class=\"_ _277\"> </span></span><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1250 y1268 w96c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1251 y1268 w8c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n x1252 y1268 w8a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5lydende verdi</div></td><td class=\"c n x1253 y1268 w8c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1254 y1268 w96c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1269 w96d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.461<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1255 y1269 w932 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.989<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1256 y1269 w96e h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">- bokf\u00f8rt verdi</div></td><td></td><td class=\"c n x1257 y1269 w410 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.989<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1258 y1269 w3ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.461<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y126a w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1259 y126a w970 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125a y126a w971 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld ved utstedelse av verdipapirer<span class=\"_ _1\"></span>, p\u00e5lydende verdi</div></td><td></td><td class=\"c n x125b y126a w972 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125c y126a w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x1250 y126b w3ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.461<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125d y126b w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.989<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125e y126b w973 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld ved utstedelse av verdipapir<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, bokf\u00f8rt verdi</div></td><td></td><td class=\"c n x125f y126b w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.989<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1260 y126b w3ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.461<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x1250 ye84 w974 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,53%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1261 ye84 w975 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,48%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1262 ye84 w976 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjennomsnittlig rente obligasjonsgjeld<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1263 ye84 w975 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,48%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1264 ye84 w974 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,53%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs733\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _1f4\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"gs734\"><table class=\"s w977 h91\" id=\"_922a6176-df14-4313-a64d-f4b3852bc712\"><tr><td class=\"c n x1243 y126c w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1244 y126c w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y126d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1245 y126d w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y126d w978 h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">Obligasjonsgjeld fordelt p\u00e5 forfallstidspunkt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1265 y126d w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1266 y126d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x1267 y1219 w979 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>378<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n x1268 y1219 w97a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2025</div></td><td></td><td class=\"c n x1269 y1219 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x126a y1219 w97b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>378<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y126e w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>750<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126b y126e w97c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126c y126e w25b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2026</div></td><td></td><td class=\"c n x126d y126e w97d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126e y126e w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>750<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1243 y1208 w97e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126f y1208 w97e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1270 y1208 wef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2027</div></td><td></td><td class=\"c n x1271 y1208 w97f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1272 y1208 w97f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1251 w980 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1273 y1251 w980 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1274 y1251 w981 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2028</div></td><td></td><td class=\"c n x1275 y1251 w697 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1276 y1251 w982 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1277 y121c w983 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1278 y121c w984 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1279 y121c w25b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2029</div></td><td></td><td class=\"c n x127a y121c w984 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x127b y121c w983 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>150<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x124a y126f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y126f w985 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2030</div></td><td></td><td class=\"c n x127c y126f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x127d y126f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x124a y120b w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y120b w986 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2031</div></td><td></td><td class=\"c n x127e y120b w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x127f y120b w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x124a y1260 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y1260 w987 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2032</div></td><td></td><td class=\"c n x1280 y1260 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x1281 y1260 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x1282 y120d w988 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1283 y120d w989 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1284 y120d w3ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2033</div></td><td></td><td class=\"c n x1285 y120d w98a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1286 y120d w98b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>150<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1259 ye84 w970 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125a ye84 w98c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum obligasjonsgjeld, p\u00e5lydende verdi</div></td><td></td><td class=\"c n x125b ye84 w972 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125c ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs735\"><table class=\"s w98d h92\" id=\"_865beb2c-2dca-4cd3-8f80-eae129480c37\"><tr><td class=\"c n x1243 y1270 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x1244 y1270 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y11bc w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1245 y11bc w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y11bc w98e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Verdipapir<span class=\"_ _0\"></span>gjeld fordelt p\u00e5 v<span class=\"_ _0\"></span>esentlige valutaer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1287 y11bc w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1288 y11bc w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x1250 y1239 w96c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1251 y1239 w8c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1252 y1239 w135 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">NOK</div></td><td class=\"c n x1289 y1239 w8c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x128a y1239 w96c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1259 ye84 w970 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125a ye84 w98f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum verdipapirgjeld fordelt p\u00e5 v<span class=\"_ _0\"></span>esentlige valutaer</div></td><td class=\"c n x128b ye84 w972 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11d0 ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls8 ws1c gs736\">MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"_ _2cc\"> </span></div><div class=\"gs737\"><table class=\"s w990 h93\" id=\"_6b1f6508-3cd1-404c-bf49-e30a7a827ffb\"><tr><td></td><td></td><td></td><td class=\"t m0 x128c hb y1271 ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y1272 w991 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i verdipapirgjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128d y1272 w992 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128e y1272 w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128f y1272 w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1290 y1272 w995 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbake-kj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1291 y1272 w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1238 w996 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Obligasjonsgjeld, nominell verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1292 y1238 w997 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1293 y1238 w630 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">250<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1294 y1238 w998 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212117<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1295 y1238 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212616<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1296 y1238 w999 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.478<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11cb w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1297 y11cb w76 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">63<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1298 y11cb wcc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">68<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 w99a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijusteringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1299 y1239 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221269<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x129a y1239 w99b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221285<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w99c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x129b ye84 w105 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">3.989</div></td><td class=\"c n x129c ye84 w99d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>250<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x129d ye84 w99e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(117)</div></td><td class=\"c n x129e ye84 w99f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(616)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x129f ye84 w9a0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs738\"><table class=\"s w9a1 h94\" id=\"_b63dea8b-510a-45bf-bd4d-703145731b55\"><tr><td></td><td></td><td></td><td class=\"t m0 x128c hb y1273 ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y1272 w991 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i verdipapirgjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128d y1272 w9a2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a0 y1272 w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128f y1272 w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1290 y1272 w995 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbake-kj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a1 y1272 w9a3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1274 w996 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Obligasjonsgjeld, nominell verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a2 y1274 w9a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4478<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a3 y1274 w12f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a4 y1274 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212616<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a5 y1274 w9a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212522<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a6 y1274 w332 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5466<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfca w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1297 yfca w91e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">68<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a7 yfca w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a8 yfca w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a9 yfca w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12aa yfca w924 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1275 w99a h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijusteringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ab y1275 w99b h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221285<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ac y1275 w89 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ad y1275 w89 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ae y1275 w89 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12af y1275 w7fb h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221259<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w99c h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b0 ye84 w9a6 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b1 ye84 w1d6 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b2 ye84 w9a5 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212616<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b3 ye84 w9a7 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212522<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b4 ye84 w9a8 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5.477<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs2bf\"><table class=\"s w9a9 h95\" id=\"_d036568c-09b5-4c47-ae81-c91ef49abfbb\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x12b6 h4 y1276 ff2 fs3 fc3 sc0 ls0 ws0\">Andre effekter<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x12b7 hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">Endringer i forpliktelser fra finansi-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x12b8 hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">Valutaef-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijuste-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x12ba hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">Kontant-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1278 w9aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12bb y1278 w43a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12bc y1278 w9ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pt rente</div></td><td class=\"t m0 x12b8 hb y1279 ff2 fs7 fc3 sc0 ls0 ws0\">fekter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1279 ff2 fs7 fc3 sc0 ls0 ws0\">ringer<span class=\"_ _2cc\"> </span></td><td></td><td class=\"c n x12bd y1278 w686 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">str\u00f8m<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12be y1278 w9ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127a w9ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12bf y127a wde h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.989<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c0 y127a w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12c1 y127a w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c2 y127a w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c3 y127a w35e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212483<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c4 y127a wdd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127b we9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c5 y127b we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c6 y127b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12c7 y127b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c8 y127b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c9 y127b w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ca y127b we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127c w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12cb y127c w9ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.390<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12cc ye84 w9af h96\"><div class=\"t m0 x113 h4 y127d ff2 fs3 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12cd y127f w8b h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ce y127f w163 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12cf y127f w9b0 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">\u2212483<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d0 y127f w9b1 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">4.863<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs73c\"><table class=\"s w9b2 h97\" id=\"_b7485fa6-2565-4c1b-aa5d-d4e9441cd72b\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x12b6 h4 y1280 ff2 fs3 fc3 sc0 ls0 ws0\">Andre effekter<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x12b7 hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">Endringer i forpliktelser fra finansi-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x12b8 hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">Valutaef-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijuste-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x12ba hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">Kontant-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1278 w9aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d1 y1278 w9b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d2 y1278 w9ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pt rente</div></td><td class=\"t m0 x12b8 hb y1282 ff2 fs7 fc3 sc0 ls0 ws0\">fekter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1282 ff2 fs7 fc3 sc0 ls0 ws0\">ringer<span class=\"_ _2cc\"> </span></td><td></td><td class=\"c n x12bd y1278 w686 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">str\u00f8m<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d3 y1278 w9a3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127a w9ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d4 y127a wdd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c0 y127a w77 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12d5 y127a w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d6 y127a w1bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d7 y127a w155 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212988<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d8 y127a w722 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5.477<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1283 we9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c5 y1283 we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d9 y1283 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12da y1283 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12db y1283 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12dc y1283 w1b0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12dd y1283 w1fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1284 w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12de y1284 w9b4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.863<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12df ye84 w9b5 h96\"><div class=\"t m0 x113 h4 y127d ff2 fs3 fc3 sc0 ls0 ws0\">\u22122<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12e0 y127f w8b h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12e1 y127f w9b6 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">\u221226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12e2 y127f w9b7 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">\u2212838<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12e3 y127f w8a7 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">5.728<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 34 \u2013 Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div><div class=\"gs73e\"><table class=\"s w9b8 h98\" id=\"_692dcd9f-8b75-4801-a914-b6f12fecfa84\"><tr><td class=\"c n x114 y1285 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y1285 w3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1286 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1286 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y1286 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 x12e4 hb y1287 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10c\"> </span>Ansvarlig l\u00e5nekapital<span class=\"_ _20\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x114 yfca w989 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12e5 yfca w989 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c x12e7 yfca w9b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- tidsbegrenset ansvarlig l\u00e5nekapital</div><div class=\"t m0 x12e6 h9 y1288 ff4 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x12e8 yfca w98a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12e9 yfca w9ba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x138 y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12ea y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12eb y1289 w8a8 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5l\u00f8pte renter</div></td><td class=\"c n x12ec y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12ed y1289 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x114 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x12ee ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x12ef ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital</div></td><td class=\"c n x12f0 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x12f1 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs73f\">1) Ansvarlig l\u00e5n har en l\u00f8petid p\u00e5 10 \u00e5r med mulighet for call etter 5 \u00e5r<span class=\"_ _1\"></span>. Pr 31.<span class=\"_ _0\"></span>12.2025 har banken utstedt totalt 400 mill. kroner i ans<span class=\"_ _0\"></span>varlig </div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs740\">l\u00e5nekaptial, med tidspunkt for \u00abcall\u00bb  30.09.2026 (50 mill kr), 06.09.28 (200 mill kr<span class=\"_ _1\"></span>.) og 28.08.29 (150 mill kr<span class=\"_ _0\"></span>.)..<span class=\"_ _2cc\"> </span></div>MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"_ _2cc\"> </span><table class=\"s w9bc h99\" id=\"_3400df2f-daa2-4f4c-8bc3-b7d7e358531b\"><tr><td></td><td></td><td></td><td class=\"t m0 xe02 hb y128a ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y128b w9bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f2 y128b w9be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f3 y128b w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f4 y128b w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f5 y128b w9bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbakekj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f6 y128b w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfca w9c0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tidsbegrenset ansvarlig l\u00e5nekapital, nominell ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f7 yfca w9c1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">400<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f8 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f9 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fa yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fb yfca w9c2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">400<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 w30c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fc y1239 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x12fd y1239 w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fe ye84 w452 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ff ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1300 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7e7 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1301 ye84 w452 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w9c3 h9a\" id=\"_b1905c97-78ba-4b23-b041-59eae45cdd79\"><tr><td class=\"c n x114 y128c w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y128c w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1286 w9c4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2023<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1302 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1303 y1286 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1304 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1305 y1286 w9c5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2023</div></td></tr><tr><td></td><td></td><td class=\"t m0 x12e4 hb y128d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Ansvarlig l\u00e5nek<span class=\"_ _0\"></span>apital<span class=\"_ _20\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></span></span></td><td></td><td></td></tr><tr><td class=\"c n x15c yfca w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1306 yfca w989 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c x1308 yfca w9c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- tidsbegrenset ansvarlig l\u00e5nekapital</div><div class=\"t m0 x1307 h9 y1288 ff4 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x12e8 yfca w98a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1309 yfca w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>250<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x439 y1289 w741 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x130a y1289 w466 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x130b y1289 w8a8 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5l\u00f8pte renter</div></td><td class=\"c n x130c y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x130d y1289 w4a7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x130e ye84 w748 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>251<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x130f ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1310 ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital</div></td><td class=\"c n x1311 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1312 ye84 w4b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>251<span class=\"_ gs33e\"> </span></div></td></tr></table>1) Ansvarlig l\u00e5n har en l\u00f8-<span class=\"_ _2cc\"> </span>petid p\u00e5 10 \u00e5r med mulighet for call etter 5 \u00e5r<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s w9c7 h9b\" id=\"_c338a6f9-0eff-42e2-98ab-23a92767a270\"><tr><td class=\"t m0 x465 hb y128e ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xe02 hb y128f ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y1226 w9bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1313 y1226 w9ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1314 y1226 w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f4 y1226 w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f5 y1226 w9bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbakekj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1315 y1226 w9c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11cb w9c0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tidsbegrenset ansvarlig l\u00e5nekapital, nominell ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f7 y11cb w9c1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">400<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1316 y11cb w1b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1317 y11cb w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1318 y11cb w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1319 y11cb w1af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">250<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fc y1239 w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131a y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131b y1239 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131c y1239 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131d y1239 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fe ye84 w452 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ff ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1300 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7e7 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131e ye84 w2a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 35 \u2013 Annen gjeld og forpliktelser<span class=\"_ _2cc\"> </span></div><div class=\"gs732\"><table class=\"s w9c9 h9c\" id=\"_f9efb99e-5d81-4c19-af07-49727c4f744a\"><tr><td class=\"c n x1243 y1290 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x131f y1290 w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1320 y1290 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y1291 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1245 y1291 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y1291 w9ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rte forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1321 y1291 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1322 y1291 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x1323 y1292 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1324 y1292 w3b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1325 y1292 w9cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte kostnader og mottatte ikke opptjente inntekter</div></td><td class=\"c n x1326 y1292 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1327 y1292 w3f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>85<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1282 y1293 w9cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(<span class=\"_ _2cc\"> </span>15)</div></td><td class=\"c n x1328 y1293 w9cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(35)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1329 y1293 w9ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsforpliktelser (note 23)</div></td><td class=\"c n x132a y1293 w6c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(35)</div></td><td class=\"c n x132b y1293 w708 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td></tr><tr><td class=\"c n x1282 y1294 w39e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>219<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x132c y1294 w3ba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>234<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x132d y1294 w9cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld</div></td><td class=\"c n x132e y1294 w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>294<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x132f y1294 w3b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>219<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y1295 w9d0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>229<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1330 y1295 w615 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>220<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1331 y1295 w9d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum annen gjeld og balansef\u00f8rte forpliktelser</div></td><td class=\"c n x1332 y1295 w655 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>282<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1333 y1295 w6e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>289<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1249 hb y1296 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10c\"> </span>Stilte garantier mv. (a<span class=\"_ _0\"></span>vtalte garantibel\u00f8p)<span class=\"_ _1b8\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1334 y1297 w59 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>115<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1335 y1297 w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1336 y1297 w9d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betalingsgarantier</div></td><td class=\"c n x1337 y1297 w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1338 y1297 w59 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>115<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1339 y1298 w3aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>138<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x133a y1298 w60a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>119<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x133b y1298 w9d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontraktsgarantier</div></td><td class=\"c n x133c y1298 w60a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>119<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x133d y1298 w9d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>138<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x124a y1299 w9d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _7\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span></div></td><td></td><td class=\"c n x133e y1299 w9d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00e5negarantier<span class=\"_ _273\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span></div></td><td></td><td class=\"c n x133f y1299 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x1340 y129a w9d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ _ae\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span></div></td><td></td><td class=\"c n x1341 y129a w9d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Garantier for skatter<span class=\"_ _114\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _21\"> </span></div></td><td></td><td class=\"c n x1342 y129a w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1282 y1093 w9d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>535<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1343 y1093 w9da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>579<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1344 y1093 w9db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annet garantiansvar</div></td><td class=\"c n xefd y1093 w5e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>534<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1345 y1093 w9dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>490<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y129b wb6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>788<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1346 y129b w9dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>808<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1347 y129b w9de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum stilte garantier (ikke balansef\u00f8rt<span class=\"_ _3\"></span>)</div></td><td class=\"c n x1348 y129b w9df h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>763<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1349 y129b w9e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>743<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1249 hb y129c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Andr<span class=\"_ _0\"></span>e ikke balansef\u00f8rte forpliktelser<span class=\"_ _276\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></span></span></td><td></td><td></td></tr><tr><td class=\"c n x15c y1097 w5b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>174<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134a y1097 w5b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.217<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134b y1097 w5b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ubenyttede kreditter</div></td><td class=\"c n x134c y1097 w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134d y1097 w9e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>159<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y129d w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134e y129d w9e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134f y129d w9e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innvilgede l\u00e5netilsagn (<span class=\"_ _3\"></span>ikke diskontert)</div></td><td class=\"c n x1350 y129d w5ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1351 y129d w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y129e w9e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.982<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1352 y129e w9e5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.384<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1353 y129e w1bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum andre ikke balansef\u00f8rte forpliktelser</div></td><td class=\"c n x1354 y129e w9e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.369<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1355 y129e w9e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.967<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.998<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1356 ye84 w9e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.413<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1357 ye84 w9e9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otale forpliktelser</div></td><td class=\"c n x1358 ye84 w9ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.414<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1355 ye84 w8cc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.999<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs747\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _2a8\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs748\"><span class=\"_ gs4e9\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1f4\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs749\"><span class=\"_ gs4e9\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _1f4\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"gs74a\"><table class=\"s w9eb h9d\" id=\"_5ecca70b-98a2-4d21-bd99-b7eec55f5b91\"><tr><td class=\"c n x135a y129f w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x135b y129f w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x135c y129f w8af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN</div></td><td></td></tr><tr><td class=\"c x116 y12a1 w9ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>V<span class=\"_ _0\"></span>erdipapir</div><div class=\"t m0 x135d h20 y12a0 ff2 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x135e y12a1 w9ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span><span class=\"_ _a8\"> </span><span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x135f y12a1 w9ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Pantstillelser</div></td><td class=\"c x1361 y12a1 w9ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>V<span class=\"_ _0\"></span>erdipapir</div><div class=\"t m0 x1360 h20 y12a0 ff2 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"t m0 x1362 hb y12a2 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span><span class=\"_ _a8\"> </span><span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1363 ha y12a3 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span>Pantstillelse 2025<span class=\"_ _9e\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1364 y1224 w5bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1365 y1224 w5bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1366 y1224 w9f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilh\u00f8rende forpliktelse 2025</div></td><td class=\"c n x1367 y1224 w2a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1368 y1224 w2a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1363 ha y12a4 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span>Pantstillelse 2024<span class=\"_ _9e\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1369 ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x136a ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x136b ye84 w9f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilh\u00f8rende forpliktelse 2024</div></td><td class=\"c n x136c ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x136d ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs74b\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _27e\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs74c\">1 V<span class=\"_ _0\"></span>erdipapirer stilt som sikkerhet f<span class=\"_ _0\"></span>or l\u00e5neadgang i Norges Bank</div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-653": {
   "value": "Note 32 \u2013 Innskudd fra og gjeld til kunder<span class=\"_ _2cc\"> </span><table class=\"s w92d h8d\" id=\"_2b4e768f-21ca-4400-8464-acdb49d0b6bd\"><tr><td class=\"c n x11dd y1256 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x11de y1256 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa28 y1257 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11df y1257 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e0 y1257 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e1 y1257 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e2 y1257 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n xa43 y11cb w92e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15.<span class=\"_ _1\"></span>168<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e3 y11cb w700 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.091<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e4 y11cb w92f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder uten avtalt l\u00f8petid</div></td><td class=\"c n x11e5 y11cb w930 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16.064<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e6 y11cb w931 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>15.154<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa43 y1258 w246 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.860<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e7 y1258 w932 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.398<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11e8 y1258 w933 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innskudd fra og gjeld til kunder med avtalt l\u00f8petid</div></td><td class=\"c n x11e9 y1258 w934 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.398<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11ea y1258 w246 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5.860<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w935 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11eb ye84 w936 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.489<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11ec ye84 w937 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum innskudd fra og gjeld til kunder</div></td><td class=\"c n x11ed ye84 w938 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.<span class=\"_ _0\"></span>462<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11ee ye84 w939 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.014<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w93a h8e\" id=\"_7ff20b51-8215-467c-bd67-38c1abfef981\"><tr><td class=\"c n x11dd y1259 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x11de y1259 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n xa28 y125a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11df y125a w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11e0 y125a w93b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Innskudd fordelt p\u00e5 sektor og n\u00e6ring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11ef y125a w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11f0 y125a w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x11f1 y1204 w93c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.755<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f2 y1204 w93d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14.604<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f3 y1204 w354 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00f8nnstaker<span class=\"_ _0\"></span>e o.l</div></td><td class=\"c n x11f4 y1204 w93e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14.604<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f5 y1204 w93f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.755<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x11f6 y125b w677 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>609<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f7 y125b w759 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>729<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11f8 y125b w940 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Offentlig sektor</div></td><td class=\"c n x11f9 y125b w941 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>729<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fa y125b w411 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>609<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y125c w3e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>473<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fb y125c w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>566<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fc y125c w358 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Prim\u00e6rn\u00e6ringer</div></td><td class=\"c n x11fd y125c w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>566<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11fe y125c w3e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>473<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x11f6 y125d w55e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x11ff y125d w943 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>330<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1200 y125d w944 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Industri og bergverk</div></td><td class=\"c n x1201 y125d w945 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>330<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x143 y125d w6a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>289<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x11f6 y1207 w7f3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>938<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1202 y1207 w3b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>120<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1203 y1207 w946 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bygg- og anleggsvirksomhet</div></td><td class=\"c n x1204 y1207 w2f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>120<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1205 y1207 w415 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>938<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y1208 w5e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>435<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1206 y1208 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>426<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1207 y1208 w33d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Varehandel</div></td><td class=\"c n x1208 y1208 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>426<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1209 y1208 w5e6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>435<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x120a y1251 w60a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120b y1251 w947 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120c y1251 w948 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _0\"></span>ransport</div></td><td class=\"c n x120d y1251 w949 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120e y1251 w744 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>161<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa14 y1210 w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x120f y1210 w94a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1210 y1210 w94b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overnattings- og serveringsvirksomhet</div></td><td class=\"c n x1211 y1210 w94c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1212 y1210 w41a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>139<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1213 y120a w94d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>104<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1214 y120a w1c4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.290<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1215 y120a w349 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Omsetning/drift eiendommer</div></td><td class=\"c n x1216 y120a w94e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.282<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1217 y120a w94f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.094<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1213 y120b w2e4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.305<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1218 y120b w3a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.654<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1219 y120b w950 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tjenesteytende virksomhet</div></td><td class=\"c n x121a y120b w716 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.635<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121b y120b w66b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.301<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa3e y1255 w951 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>772<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121c y1255 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>410<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121d y1255 w34d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Diverse n\u00e6ringer</div></td><td class=\"c n x121e y1255 w7ac h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>410<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x121f y1255 w952 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>772<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n xa1d y1213 w1e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1220 y1213 w5aa h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1221 y1213 w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter</div></td><td class=\"c n x1222 y1213 w560 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>39<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1223 y1213 w1e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>48<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w935 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.028<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11eb ye84 w936 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.489<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11ec ye84 w953 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum innskudd fordelt p\u00e5 sektor og n\u00e6ring</div></td><td class=\"c n x1224 ye84 w954 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>22.462<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1225 ye84 w939 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>21.014<span class=\"_ gs33e\"> </span></div></td></tr></table>MORBANK<span class=\"_ _2cc\"> </span>KONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>Innskudd fordelt p\u00e5 geografiske omr\u00e5der<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>3.628<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3.913<span class=\"_ gs33c\"> </span>Innlandet<span class=\"_ gs33c\"> </span>3.913<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>3.628<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>6.683<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.318<span class=\"_ gs33c\"> </span>Akershus<span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.318<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>6.683<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.884<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>8.407<span class=\"_ gs33c\"> </span>Buskerud<span class=\"_ gs33c\"> </span>8.380<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ _1\"></span>.871<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.867<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.891<span class=\"_ gs33c\"> </span>Oslo<span class=\"_ gs33c\"> </span>1.891<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.867<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>779<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>787<span class=\"_ gs33c\"> </span>Landet for \u00f8vrig<span class=\"_ gs33c\"> </span>787<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>779<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>174<span class=\"_ gs33c\"> </span>Utlandet<span class=\"_ gs33c\"> </span>174<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>186<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>21.028<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>22.489<span class=\"_ gs33e\"> </span>Sum innskudd fordelt p\u00e5 geografisk<span class=\"_ _0\"></span>e omr\u00e5der<span class=\"_ gs33e\"> </span>22.<span class=\"_ _0\"></span>462<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>21.014<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-704": {
   "value": "<table class=\"s w926 h8c\" id=\"_443d6158-f493-4a2e-8e8f-d5f3a1fe9576\"><tr><td class=\"c n x114 y1253 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y1253 w3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1254 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1254 w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1254 w25d h22\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y1254 w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y1254 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x3d1 y1255 w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d1 y1255 w11e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">21<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d2 y1255 w927 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Forskuddsbet. ikke p\u00e5l\u00f8pte kostnader og opptj. ikk<span class=\"_ _0\"></span>e mottatte innt.<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d3 y1255 w25 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">51<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d4 y1255 w79 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">47<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 y1213 we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">49<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d5 y1213 w77 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d6 y1213 w928 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d7 y1213 wd0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">34<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d8 y1213 we h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">49<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x122 ye84 w929 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">63<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d9 ye84 w92a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">55<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11da ye84 w92b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum andre eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11db ye84 we h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">85<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11dc ye84 w92c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">96</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-654": {
   "value": "Note 33 \u2013 Gjeld ved utstedelse a<span class=\"_ _0\"></span>v ver<span class=\"_ _0\"></span>dipapirer<span class=\"_ _2cc\"> </span><table class=\"s w969 h90\" id=\"_96bc59b8-3093-4188-98ae-39f36b9d0f9f\"><tr><td class=\"c n x1243 y1262 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1244 y1262 w3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y1263 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1245 y1263 w5 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y1263 w25d h22\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1247 y1263 w8 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1248 y1263 w4 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 x1249 ha y1264 ff4 fs7 fc3 sc0 ls0 ws0\" colspan=\"2\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span>Sertifikater og andr<span class=\"_ _0\"></span>e kortsiktige l\u00e5neopptak<span class=\"_ _1aa\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x124a y1265 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y1265 w96a h22\" colspan=\"2\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>- p\u00e5lydende verdi</div></td><td class=\"c n x124c y1265 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x124d y1265 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x124a y1266 w398 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y1266 w96b h22\" colspan=\"2\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>- virkelig ver<span class=\"_ _0\"></span>di</div></td><td class=\"c n x124e y1266 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x124f y1266 w2a9 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 x1249 hb y1267 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Obligasjonsgjeld<span class=\"_ _277\"> </span></span><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1250 y1268 w96c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1251 y1268 w8c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n x1252 y1268 w8a3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5lydende verdi</div></td><td class=\"c n x1253 y1268 w8c6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1254 y1268 w96c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1269 w96d h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.461<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1255 y1269 w932 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.989<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1256 y1269 w96e h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">- bokf\u00f8rt verdi</div></td><td></td><td class=\"c n x1257 y1269 w410 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.989<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1258 y1269 w3ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.461<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 y126a w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1259 y126a w970 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125a y126a w971 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld ved utstedelse av verdipapirer<span class=\"_ _1\"></span>, p\u00e5lydende verdi</div></td><td></td><td class=\"c n x125b y126a w972 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125c y126a w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x1250 y126b w3ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.461<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125d y126b w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.989<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125e y126b w973 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld ved utstedelse av verdipapir<span class=\"_ _0\"></span>er<span class=\"_ _0\"></span>, bokf\u00f8rt verdi</div></td><td></td><td class=\"c n x125f y126b w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.989<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1260 y126b w3ad h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.461<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x1250 ye84 w974 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,53%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1261 ye84 w975 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,48%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1262 ye84 w976 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjennomsnittlig rente obligasjonsgjeld<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1263 ye84 w975 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,48%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1264 ye84 w974 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4,53%<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w977 h91\" id=\"_922a6176-df14-4313-a64d-f4b3852bc712\"><tr><td class=\"c n x1243 y126c w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1244 y126c w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y126d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x1245 y126d w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y126d w978 h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">Obligasjonsgjeld fordelt p\u00e5 forfallstidspunkt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1265 y126d w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1266 y126d w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x1267 y1219 w979 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>378<span class=\"_ gs33c\"> </span></div></td><td></td><td class=\"c n x1268 y1219 w97a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2025</div></td><td></td><td class=\"c n x1269 y1219 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x126a y1219 w97b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>378<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y126e w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>750<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126b y126e w97c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126c y126e w25b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2026</div></td><td></td><td class=\"c n x126d y126e w97d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>395<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126e y126e w7f3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>750<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1243 y1208 w97e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x126f y1208 w97e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1270 y1208 wef h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2027</div></td><td></td><td class=\"c n x1271 y1208 w97f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1272 y1208 w97f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>800<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1251 w980 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1273 y1251 w980 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1274 y1251 w981 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2028</div></td><td></td><td class=\"c n x1275 y1251 w697 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1276 y1251 w982 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.250<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1277 y121c w983 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1278 y121c w984 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1279 y121c w25b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2029</div></td><td></td><td class=\"c n x127a y121c w984 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x127b y121c w983 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>150<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x124a y126f w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y126f w985 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2030</div></td><td></td><td class=\"c n x127c y126f w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x127d y126f w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x124a y120b w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y120b w986 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2031</div></td><td></td><td class=\"c n x127e y120b w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x127f y120b w2a9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x124a y1260 w398 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td></td><td class=\"c n x124b y1260 w987 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>2032</div></td><td></td><td class=\"c n x1280 y1260 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x1281 y1260 w2a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x1282 y120d w988 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>150<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1283 y120d w989 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1284 y120d w3ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2033</div></td><td></td><td class=\"c n x1285 y120d w98a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1286 y120d w98b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>150<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1259 ye84 w970 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125a ye84 w98c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum obligasjonsgjeld, p\u00e5lydende verdi</div></td><td></td><td class=\"c n x125b ye84 w972 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125c ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w98d h92\" id=\"_865beb2c-2dca-4cd3-8f80-eae129480c37\"><tr><td class=\"c n x1243 y1270 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x1244 y1270 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y11bc w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1245 y11bc w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y11bc w98e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Verdipapir<span class=\"_ _0\"></span>gjeld fordelt p\u00e5 v<span class=\"_ _0\"></span>esentlige valutaer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1287 y11bc w16a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1288 y11bc w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x1250 y1239 w96c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1251 y1239 w8c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1252 y1239 w135 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">NOK</div></td><td class=\"c n x1289 y1239 w8c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.995<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x128a y1239 w96c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.478<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1259 ye84 w970 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x125a ye84 w98f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum verdipapirgjeld fordelt p\u00e5 v<span class=\"_ _0\"></span>esentlige valutaer</div></td><td class=\"c n x128b ye84 w972 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.995<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x11d0 ye84 w96f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.478<span class=\"_ gs33e\"> </span></div></td></tr></table>MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"_ _2cc\"> </span><table class=\"s w990 h93\" id=\"_6b1f6508-3cd1-404c-bf49-e30a7a827ffb\"><tr><td></td><td></td><td></td><td class=\"t m0 x128c hb y1271 ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y1272 w991 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i verdipapirgjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128d y1272 w992 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128e y1272 w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128f y1272 w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1290 y1272 w995 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbake-kj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1291 y1272 w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1238 w996 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Obligasjonsgjeld, nominell verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1292 y1238 w997 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.995<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1293 y1238 w630 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">250<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1294 y1238 w998 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212117<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1295 y1238 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212616<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1296 y1238 w999 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.478<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11cb w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1297 y11cb w76 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">63<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x1298 y11cb wcc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">68<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 w99a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijusteringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1299 y1239 we8 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221269<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x129a y1239 w99b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221285<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w99c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x129b ye84 w105 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">3.989</div></td><td class=\"c n x129c ye84 w99d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>250<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x129d ye84 w99e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(117)</div></td><td class=\"c n x129e ye84 w99f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>(616)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x129f ye84 w9a0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w9a1 h94\" id=\"_b63dea8b-510a-45bf-bd4d-703145731b55\"><tr><td></td><td></td><td></td><td class=\"t m0 x128c hb y1273 ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y1272 w991 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i verdipapirgjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128d y1272 w9a2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a0 y1272 w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x128f y1272 w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1290 y1272 w995 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbake-kj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a1 y1272 w9a3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1274 w996 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Obligasjonsgjeld, nominell verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a2 y1274 w9a4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4478<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a3 y1274 w12f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a4 y1274 w18f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212616<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a5 y1274 w9a5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212522<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a6 y1274 w332 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5466<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfca w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1297 yfca w91e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">68<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a7 yfca w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a8 yfca w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12a9 yfca w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12aa yfca w924 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1275 w99a h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijusteringer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ab y1275 w99b h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221285<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ac y1275 w89 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ad y1275 w89 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ae y1275 w89 h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12af y1275 w7fb h47\"><div class=\"t m0 x113 ha y104c ff4 fs7 fc3 sc0 ls0 ws0\">\u221259<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w99c h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum gjeld stiftet ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b0 ye84 w9a6 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b1 ye84 w1d6 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b2 ye84 w9a5 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212616<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b3 ye84 w9a7 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u2212522<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12b4 ye84 w9a8 h35\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">5.477<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w9a9 h95\" id=\"_d036568c-09b5-4c47-ae81-c91ef49abfbb\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x12b6 h4 y1276 ff2 fs3 fc3 sc0 ls0 ws0\">Andre effekter<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x12b7 hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">Endringer i forpliktelser fra finansi-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x12b8 hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">Valutaef-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijuste-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x12ba hb y1277 ff2 fs7 fc3 sc0 ls0 ws0\">Kontant-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1278 w9aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12bb y1278 w43a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12bc y1278 w9ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pt rente</div></td><td class=\"t m0 x12b8 hb y1279 ff2 fs7 fc3 sc0 ls0 ws0\">fekter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1279 ff2 fs7 fc3 sc0 ls0 ws0\">ringer<span class=\"_ _2cc\"> </span></td><td></td><td class=\"c n x12bd y1278 w686 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">str\u00f8m<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12be y1278 w9ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127a w9ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12bf y127a wde h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">3.989<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c0 y127a w5f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12c1 y127a w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c2 y127a w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c3 y127a w35e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212483<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c4 y127a wdd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127b we9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c5 y127b we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c6 y127b w73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12c7 y127b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c8 y127b w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c9 y127b w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ca y127b we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127c w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12cb y127c w9ae h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.390<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12cc ye84 w9af h96\"><div class=\"t m0 x113 h4 y127d ff2 fs3 fc3 sc0 ls0 ws0\">\u22125<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12cd y127f w8b h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ce y127f w163 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">16<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12cf y127f w9b0 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">\u2212483<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d0 y127f w9b1 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">4.863<span class=\"_ _2cc\"> </span></div></td></tr></table><table class=\"s w9b2 h97\" id=\"_b7485fa6-2565-4c1b-aa5d-d4e9441cd72b\"><tr><td></td><td></td><td></td><td></td><td class=\"t m0 x12b6 h4 y1280 ff2 fs3 fc3 sc0 ls0 ws0\">Andre effekter<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x12b7 hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">Endringer i forpliktelser fra finansi-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x12b8 hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">Valutaef-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">V<span class=\"_ _0\"></span>erdijuste-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x12ba hb y1281 ff2 fs7 fc3 sc0 ls0 ws0\">Kontant-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"c n x116 y1278 w9aa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ering<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d1 y1278 w9b3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d2 y1278 w9ab h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pt rente</div></td><td class=\"t m0 x12b8 hb y1282 ff2 fs7 fc3 sc0 ls0 ws0\">fekter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x12b9 hb y1282 ff2 fs7 fc3 sc0 ls0 ws0\">ringer<span class=\"_ _2cc\"> </span></td><td></td><td class=\"c n x12bd y1278 w686 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">str\u00f8m<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d3 y1278 w9a3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y127a w9ad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Gjeld ved utstedelse av v<span class=\"_ _0\"></span>erdipapirer<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d4 y127a wdd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4.461<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c0 y127a w77 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u22123<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12d5 y127a w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d6 y127a w1bc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u221226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d7 y127a w155 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u2212988<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d8 y127a w722 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5.477<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1283 we9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12c5 y1283 we8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12d9 y1283 w84 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12da y1283 w75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12db y1283 w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12dc y1283 w1b0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12dd y1283 w1fa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1284 w2fa h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12de y1284 w9b4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">4.863<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12df ye84 w9b5 h96\"><div class=\"t m0 x113 h4 y127d ff2 fs3 fc3 sc0 ls0 ws0\">\u22122<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x12e0 y127f w8b h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12e1 y127f w9b6 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">\u221226<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12e2 y127f w9b7 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">\u2212838<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12e3 y127f w8a7 h24\"><div class=\"t m0 x113 h4 y127e ff2 fs7 fc3 sc0 ls0 ws0\">5.728<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-655": {
   "value": "Note 34 \u2013 Ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span><table class=\"s w9b8 h98\" id=\"_692dcd9f-8b75-4801-a914-b6f12fecfa84\"><tr><td class=\"c n x114 y1285 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y1285 w3 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y1286 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y1286 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y1286 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td></td><td></td><td class=\"t m0 x12e4 hb y1287 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10c\"> </span>Ansvarlig l\u00e5nekapital<span class=\"_ _20\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x114 yfca w989 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12e5 yfca w989 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c x12e7 yfca w9b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- tidsbegrenset ansvarlig l\u00e5nekapital</div><div class=\"t m0 x12e6 h9 y1288 ff4 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x12e8 yfca w98a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12e9 yfca w9ba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x138 y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12ea y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12eb y1289 w8a8 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5l\u00f8pte renter</div></td><td class=\"c n x12ec y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x12ed y1289 w38 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x114 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x12ee ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x12ef ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital</div></td><td class=\"c n x12f0 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x12f1 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td></tr></table>1) Ansvarlig l\u00e5n har en l\u00f8petid p\u00e5 10 \u00e5r med mulighet for call etter 5 \u00e5r<span class=\"_ _1\"></span>. Pr 31.<span class=\"_ _0\"></span>12.2025 har banken utstedt totalt 400 mill. kroner i ans<span class=\"_ _0\"></span>varlig l\u00e5nekaptial, med tidspunkt for \u00abcall\u00bb  30.09.2026 (50 mill kr), 06.09.28 (200 mill kr<span class=\"_ _1\"></span>.) og 28.08.29 (150 mill kr<span class=\"_ _0\"></span>.)..<span class=\"_ _2cc\"> </span><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls8 ws1c gs742\">MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"_ _2cc\"> </span></div><div class=\"gs743\"><table class=\"s w9bc h99\" id=\"_3400df2f-daa2-4f4c-8bc3-b7d7e358531b\"><tr><td></td><td></td><td></td><td class=\"t m0 xe02 hb y128a ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y128b w9bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f2 y128b w9be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f3 y128b w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f4 y128b w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f5 y128b w9bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbakekj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f6 y128b w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 yfca w9c0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tidsbegrenset ansvarlig l\u00e5nekapital, nominell ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f7 yfca w9c1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">400<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f8 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f9 yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fa yfca w89 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fb yfca w9c2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">400<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 w30c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fc y1239 w83 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td class=\"c n x12fd y1239 w21d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fe ye84 w452 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ff ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1300 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7e7 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1301 ye84 w452 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td></tr></table></div><table class=\"s w9c3 h9a\" id=\"_b1905c97-78ba-4b23-b041-59eae45cdd79\"><tr><td class=\"c n x114 y128c w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x10c2 y128c w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1286 w9c4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2023<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1302 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1303 y1286 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1304 y1286 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1305 y1286 w9c5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2023</div></td></tr><tr><td></td><td></td><td class=\"t m0 x12e4 hb y128d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Ansvarlig l\u00e5nek<span class=\"_ _0\"></span>apital<span class=\"_ _20\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></span></span></td><td></td><td></td></tr><tr><td class=\"c n x15c yfca w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>250<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1306 yfca w989 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c x1308 yfca w9c6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">- tidsbegrenset ansvarlig l\u00e5nekapital</div><div class=\"t m0 x1307 h9 y1288 ff4 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x12e8 yfca w98a h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>400<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1309 yfca w942 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>250<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x439 y1289 w741 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x130a y1289 w466 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x130b y1289 w8a8 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">- p\u00e5l\u00f8pte renter</div></td><td class=\"c n x130c y1289 w449 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x130d y1289 w4a7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>1<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x130e ye84 w748 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>251<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x130f ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1310 ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital</div></td><td class=\"c n x1311 ye84 w711 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>402<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1312 ye84 w4b5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>251<span class=\"_ gs33e\"> </span></div></td></tr></table>1) Ansvarlig l\u00e5n har en l\u00f8-<span class=\"_ _2cc\"> </span>petid p\u00e5 10 \u00e5r med mulighet for call etter 5 \u00e5r<span class=\"_ _2cc\"> </span><span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span><table class=\"s w9c7 h9b\" id=\"_c338a6f9-0eff-42e2-98ab-23a92767a270\"><tr><td class=\"t m0 x465 hb y128e ff2 fs7 fc3 sc0 ls8 ws1c\">MORBANK OG K<span class=\"_ _1\"></span>ONSERN<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td class=\"t m0 xe02 hb y128f ff2 fs7 fc3 sc0 ls0 ws0\">Forfalt/ </td><td></td><td></td></tr><tr><td class=\"c n x116 y1226 w9bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring i ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1313 y1226 w9ac h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1314 y1226 w993 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Emittert<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f4 y1226 w994 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">innl\u00f8st<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f5 y1226 w9bf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Tilbakekj\u00f8p<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1315 y1226 w9c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y11cb w9c0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tidsbegrenset ansvarlig l\u00e5nekapital, nominell ver<span class=\"_ _0\"></span>di<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12f7 y11cb w9c1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">400<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1316 y11cb w1b0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">150<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1317 y11cb w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1318 y11cb w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1319 y11cb w1af h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">250<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 w30c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte renter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fc y1239 w83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131a y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131b y1239 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131c y1239 w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131d y1239 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w9bb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum ansvarlig l\u00e5nekapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12fe ye84 w452 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">402<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x12ff ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1300 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7e7 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x131e ye84 w2a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">251<span class=\"_ _2cc\"> </span></div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-733": {
   "value": "MORBANK<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>Annen gjeld og balansef\u00f8rte forpliktelser<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span>P\u00e5l\u00f8pte kostnader og mottatte ikke opptjente inntekter<span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>85<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(<span class=\"_ _2cc\"> </span>1",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-656": {
   "value": "Note 35 \u2013 Annen gjeld og forpliktelser<span class=\"_ _2cc\"> </span><table class=\"s w9c9 h9c\" id=\"_f9efb99e-5d81-4c19-af07-49727c4f744a\"><tr><td class=\"c n x1243 y1290 w2 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x131f y1290 w6 h22\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1320 y1290 w793 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">K<span class=\"_ _0\"></span>ONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x15c y1291 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1245 y1291 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1246 y1291 w9ca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Annen gjeld og balansef\u00f8rte forpliktelser<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1321 y1291 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1322 y1291 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x1323 y1292 w60d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>25<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1324 y1292 w3b9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>22<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1325 y1292 w9cb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">P\u00e5l\u00f8pte kostnader og mottatte ikke opptjente inntekter</div></td><td class=\"c n x1326 y1292 w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1327 y1292 w3f5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>85<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1282 y1293 w9cc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(<span class=\"_ _2cc\"> </span>15)</div></td><td class=\"c n x1328 y1293 w9cd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(35)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1329 y1293 w9ce h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Pensjonsforpliktelser (note 23)</div></td><td class=\"c n x132a y1293 w6c7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(35)</div></td><td class=\"c n x132b y1293 w708 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(15)</div></td></tr><tr><td class=\"c n x1282 y1294 w39e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>219<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x132c y1294 w3ba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>234<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x132d y1294 w9cf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annen gjeld</div></td><td class=\"c n x132e y1294 w3ae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>294<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x132f y1294 w3b4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>219<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y1295 w9d0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>229<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1330 y1295 w615 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>220<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1331 y1295 w9d1 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum annen gjeld og balansef\u00f8rte forpliktelser</div></td><td class=\"c n x1332 y1295 w655 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>282<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1333 y1295 w6e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>289<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1249 hb y1296 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _10c\"> </span>Stilte garantier mv. (a<span class=\"_ _0\"></span>vtalte garantibel\u00f8p)<span class=\"_ _1b8\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1334 y1297 w59 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>115<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1335 y1297 w59a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1336 y1297 w9d2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Betalingsgarantier</div></td><td class=\"c n x1337 y1297 w59c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1338 y1297 w59 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>115<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1339 y1298 w3aa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>138<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x133a y1298 w60a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>119<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x133b y1298 w9d3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kontraktsgarantier</div></td><td class=\"c n x133c y1298 w60a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>119<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x133d y1298 w9d4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>138<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x124a y1299 w9d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _7\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span></div></td><td></td><td class=\"c n x133e y1299 w9d6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">L\u00e5negarantier<span class=\"_ _273\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span></div></td><td></td><td class=\"c n x133f y1299 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x1340 y129a w9d7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ _ae\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span></div></td><td></td><td class=\"c n x1341 y129a w9d8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Garantier for skatter<span class=\"_ _114\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _21\"> </span></div></td><td></td><td class=\"c n x1342 y129a w44f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1282 y1093 w9d9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>535<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1343 y1093 w9da h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>579<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1344 y1093 w9db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Annet garantiansvar</div></td><td class=\"c n xefd y1093 w5e6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>534<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1345 y1093 w9dc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>490<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y129b wb6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>788<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1346 y129b w9dd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>808<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1347 y129b w9de h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum stilte garantier (ikke balansef\u00f8rt<span class=\"_ _3\"></span>)</div></td><td class=\"c n x1348 y129b w9df h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>763<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1349 y129b w9e0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>743<span class=\"_ gs33e\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1249 hb y129c ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Andr<span class=\"_ _0\"></span>e ikke balansef\u00f8rte forpliktelser<span class=\"_ _276\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></span></span></td><td></td><td></td></tr><tr><td class=\"c n x15c y1097 w5b4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>174<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134a y1097 w5b5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.217<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134b y1097 w5b6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Ubenyttede kreditter</div></td><td class=\"c n x134c y1097 w4f9 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.202<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134d y1097 w9e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.<span class=\"_ _1\"></span>159<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1267 y129d w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134e y129d w9e2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _0\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x134f y129d w9e3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Innvilgede l\u00e5netilsagn (<span class=\"_ _3\"></span>ikke diskontert)</div></td><td class=\"c n x1350 y129d w5ba h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>167<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1351 y129d w5b1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>808<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y129e w9e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.982<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1352 y129e w9e5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.384<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1353 y129e w1bd h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum andre ikke balansef\u00f8rte forpliktelser</div></td><td class=\"c n x1354 y129e w9e6 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.369<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1355 y129e w9e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.967<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w272 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.998<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1356 ye84 w9e8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.413<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1357 ye84 w9e9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otale forpliktelser</div></td><td class=\"c n x1358 ye84 w9ea h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.414<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1355 ye84 w8cc h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.999<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s w9eb h9d\" id=\"_5ecca70b-98a2-4d21-bd99-b7eec55f5b91\"><tr><td class=\"c n x135a y129f w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td class=\"c n x135b y129f w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x135c y129f w8af h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN</div></td><td></td></tr><tr><td class=\"c x116 y12a1 w9ec h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>V<span class=\"_ _0\"></span>erdipapir</div><div class=\"t m0 x135d h20 y12a0 ff2 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"c n x135e y12a1 w9ed h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span><span class=\"_ _a8\"> </span><span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x135f y12a1 w9ee h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Pantstillelser</div></td><td class=\"c x1361 y12a1 w9ef h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>V<span class=\"_ _0\"></span>erdipapir</div><div class=\"t m0 x1360 h20 y12a0 ff2 fs6 fc3 sc0 ls0 ws0\">1)</div></td><td class=\"t m0 x1362 hb y12a2 ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span><span class=\"_ _a8\"> </span><span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span></td></tr><tr><td></td><td></td><td class=\"t m0 x1363 ha y12a3 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span>Pantstillelse 2025<span class=\"_ _9e\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1364 y1224 w5bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1365 y1224 w5bb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1366 y1224 w9f0 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilh\u00f8rende forpliktelse 2025</div></td><td class=\"c n x1367 y1224 w2a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1368 y1224 w2a6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td></td><td></td><td class=\"t m0 x1363 ha y12a4 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span>Pantstillelse 2024<span class=\"_ _9e\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x1369 ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x136a ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x136b ye84 w9f1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilh\u00f8rende forpliktelse 2024</div></td><td class=\"c n x136c ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x136d ye84 w526 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.947<span class=\"_ gs33c\"> </span></div></td></tr></table>1 V<span class=\"_ _0\"></span>erdipapirer stilt som sikkerhet f<span class=\"_ _0\"></span>or l\u00e5neadgang i Norges Bank",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-657": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 36 \u2013 Bundne midler<span class=\"_ _2cc\"> </span></div>MORBANK<span class=\"_ _2cc\"> </span>KONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _ff\"> </span><span class=\"ff2\">Bundne midler<span class=\"_ _1f0\"> </span></span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span>Skattetrekk<span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>10<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>7<span class=\"_ gs33e\"> </span>Sum bundne midler<span class=\"_ gs33e\"> </span>11<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>10<span class=\"_ _2cc\"> <span class=\"_ _2cc\"> </span></span>MORBANK<span class=\"_ _2cc\"> </span>KONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Bokf\u00f8rt klientansvar per 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33c\"> </span>(62)<span class=\"_ gs33c\"> </span>(46)<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Innest\u00e5ende klientmidler bank per 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33c\"> </span>88<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>69<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Avsetning til tap p\u00e5 f<span class=\"_ _0\"></span>ordringer<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>(0)<span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ _2ac\"> </span>Bokf\u00f8rte klientfordringer per 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33e\"> </span>26<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>22<span class=\"_ _2cc\"> </span><div class=\"t m0 h7 ff5 fs3 fc3 sc0 ls0 ws0 gs16d\">Klientmidler  </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs751\">Datterselskapet Eiendomsmegleren Ringerik<span class=\"_ _0\"></span>e Hadeland AS oppbevarer klientmidler p\u00e5 egne bankk<span class=\"_ _0\"></span>onti og </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs16f\">har klientansvar i forbindelse med eiendomsmeglingen. I k<span class=\"_ _0\"></span>onsernregnskapet fremk<span class=\"_ _0\"></span>ommer dette som en netto </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs752\">fordring knyttet til pr<span class=\"_ _0\"></span>ovisjon.<span class=\"ff5 fc2\"> </span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRestrictedCashAndCashEquivalentsExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-705": {
   "value": "Datterselskaper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet (bel\u00f8p i mnok).Anskaffelsesk<span class=\"_ _0\"></span>ost.<span class=\"_ _2cc\"> </span>Forretningsk<span class=\"_ _0\"></span>ontor<span class=\"_ _2cc\"> </span>Eierandel i prosent<span class=\"_ _2cc\"> </span>Investering i datterselskaper<span class=\"_ _48\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span></span>Aksjer eid av morbank<span class=\"_ _0\"></span>en<span class=\"_ _122\"> </span><span class=\"_ gs4e9\"> </span>Eiendomsmegleren Ringerike Hadeland AS<span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span>H\u00f8nefoss<span class=\"_ _2cc\"> </span>100,00%<span class=\"_ _2cc\"> </span>Sparebank 1 \u00d8konomihuset AS<span class=\"_ gs33c\"> </span>64<span class=\"_ gs33c\"> </span>H\u00f8nefoss<span class=\"_ _2cc\"> </span>100,00%<span class=\"_ _2cc\"> </span>Sum investeringer i datterselskapet<span class=\"_ gs33e\"> </span>81<span class=\"_ gs33e\"> </span>Investeringer i Aksjer i datterselskaper morbank Investeringer er bokf\u00f8rt til anskaffelsesk<span class=\"_ _0\"></span>ost i morbanken. Det f<span class=\"_ _0\"></span>oretas full konsolidering i k<span class=\"_ _0\"></span>onsernregnskapet<table class=\"s wa10 ha1\" id=\"_26c604af-0361-4542-87c0-6ae62e14dad4\"><tr><td></td><td class=\"t m0 x1390 hb y12af ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1391 hb y12b0 ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1392 hb y12b1 ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td></td><td class=\"t m0 x1393 hb y12b2 ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5ly-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x1394 hb y12b3 ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1395 hb y12b4 ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1396 hb y12b5 ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td class=\"t m0 x1397 hb y12b6 ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td></tr><tr><td></td><td class=\"t m0 x1398 hb y12b7 ff2 fs7 fc3 sc0 ls0 ws0\">aksje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1399 hb y12b7 ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td><td class=\"t m0 x139a hb y12b8 ff2 fs7 fc3 sc0 ls0 ws0\">dende </td><td class=\"t m0 x139b hb y12b8 ff2 fs7 fc3 sc0 ls0 ws0\">Eiende-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x139c hb y12b9 ff2 fs7 fc3 sc0 ls0 ws0\">inntek-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa84 hb y12ba ff2 fs7 fc3 sc0 ls0 ws0\">kostna-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12bb ff2 fs7 fc3 sc0 ls0 ws0\">\u00e5rsre-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139e hb y12bc ff2 fs7 fc3 sc0 ls0 ws0\">verdi </td></tr><tr><td class=\"t m0 x51f hb y12bd ff2 fs7 fc3 sc0 ls0 ws0\">2025 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139f hb y12be ff2 fs7 fc3 sc0 ls0 ws0\">kapital<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a0 hb y12be ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a1 hb y12bf ff2 fs7 fc3 sc0 ls9 wsb\">verdi<span class=\"_ _2cc\"> </span></td><td class=\"c n x13a2 y12c0 wa11 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13a3 y12c0 wa12 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x13a4 hb y12c1 ff2 fs7 fc3 sc0 ls0 ws0\">ter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a5 hb y12c2 ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12c3 ff2 fs7 fc3 sc0 ls0 ws0\">sultat<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a6 hb y12c4 ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12c5 wa13 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Eiendomsmegler1 Ringerike Hadeland AS</div></td><td class=\"c n x13a7 y12c5 wa14 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>562<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13a8 y12c5 wa15 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13a9 y12c5 wa16 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>803<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13aa y12c5 w405 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ab y12c5 wa17 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ac y12c5 w67c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>71<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ad y12c5 w67b h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>60<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x17b y12c5 w469 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ae y12c5 w67c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12c6 wa06 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sparebank 1 \u00d8konomihuset AS</div></td><td class=\"c n x13af y12c6 wa18 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b0 y12c6 w3ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b1 y12c6 wa18 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b2 y12c6 w419 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>42<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b3 y12c6 w67c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b4 y12c6 w268 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b5 y12c6 w551 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>89<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b6 y12c6 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b7 y12c6 wa19 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>64<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12c7 wa1a h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\">Sum investering i datterselskaper<span class=\"_ _99\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _17\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13b8 y12c8 wa1b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>81<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y12c9 ff2 fs7 fc3 sc0 ls0 ws0\">Sum investeringer i konsernselskap </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y12ca wa1c h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\">morbank<span class=\"_ _11a\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _17\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13b9 ye84 w477 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>81<span class=\"_ gs33e\"> </span></div></td></tr></table><table class=\"s wa1d ha2\" id=\"_6d44b047-5e11-47a0-8172-b4061e857a74\"><tr><td></td><td class=\"t m0 x1390 hb y12cb ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1391 hb y12cc ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1392 hb y12cd ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td></td><td class=\"t m0 x1393 hb y12ce ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5ly-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x1394 hb y12cf ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1395 hb y12d0 ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1396 hb y12d1 ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td class=\"t m0 x1397 hb y12d2 ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td></tr><tr><td></td><td class=\"t m0 x1398 hb y12d3 ff2 fs7 fc3 sc0 ls0 ws0\">aksje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1399 hb y12d3 ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td><td class=\"t m0 x139a hb y12d4 ff2 fs7 fc3 sc0 ls0 ws0\">dende </td><td class=\"t m0 x139b hb y12d4 ff2 fs7 fc3 sc0 ls0 ws0\">Eiende-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x139c hb y12d5 ff2 fs7 fc3 sc0 ls0 ws0\">inntek-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa84 hb y12d6 ff2 fs7 fc3 sc0 ls0 ws0\">kostna-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12d7 ff2 fs7 fc3 sc0 ls0 ws0\">\u00e5rsre-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139e hb y12d8 ff2 fs7 fc3 sc0 ls0 ws0\">verdi </td></tr><tr><td class=\"t m0 x51f hb y12d9 ff2 fs7 fc3 sc0 ls0 ws0\">2024 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139f hb y12da ff2 fs7 fc3 sc0 ls0 ws0\">kapital<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a0 hb y12da ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a1 hb y12db ff2 fs7 fc3 sc0 ls9 wsb\">verdi<span class=\"_ _2cc\"> </span></td><td class=\"c n x13a2 y12dc wa11 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13a3 y12dc wa12 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x13a4 hb y12dd ff2 fs7 fc3 sc0 ls0 ws0\">ter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a5 hb y12de ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12df ff2 fs7 fc3 sc0 ls0 ws0\">sultat<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a6 hb y12e0 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12e1 wa13 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Eiendomsmegler1 Ringerike Hadeland AS</div></td><td class=\"c n x13a7 y12e1 wa14 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>562<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ba y12e1 wa1e h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bb y12e1 w17b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>803<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bc y12e1 wa1f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bd y12e1 wa20 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13be y12e1 w29a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>76<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bf y12e1 w4d4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>69<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c0 y12e1 w296 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c1 y12e1 wa21 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12e2 wa06 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Sparebank 1 \u00d8konomihuset AS</div></td><td class=\"c n x13c2 y12e2 wa22 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c3 y12e2 wa23 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c4 y12e2 wa22 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c5 y12e2 wa24 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c6 y12e2 w53a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c7 y12e2 w1cf h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>93<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c8 y12e2 w6b3 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c9 y12e2 wa25 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x13ca y12e2 w298 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>64<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12c8 wa26 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum investering i datterselskaper<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13cb y12c8 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y12e3 ff2 fs7 fc3 sc0 ls0 ws0\">Sum investeringer i konsernselskap </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye84 wa27 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13cc ye84 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr></table>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>Utbytte fra Eiendomsmegler1 Ringerike Hadeland AS<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span>Utbytte fra Sparebank 1 \u00d8k<span class=\"_ _0\"></span>onomihuset AS<span class=\"_ _1c6\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ _2cc\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-658": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 37 \u2013 Investering i datterselsk<span class=\"_ _0\"></span>aper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s w9ff ha0\" id=\"_e5d2e022-f66d-4f8a-9e1b-e2cea6cdba8b\"><tr><td class=\"t me x51f hb y12a6 ff2 fs7 fc3 sc0 ls0 ws0\">Datterselskaper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet (bel\u00f8p i mnok).</td><td class=\"c n x1380 y12a7 wa00 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Anskaffelsesk<span class=\"_ _0\"></span>ost.<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1381 y12a7 wa01 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Forretningsk<span class=\"_ _0\"></span>ontor<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1382 y12a7 wa02 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eierandel i prosent<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y12a8 ff2 fs7 fc3 sc0 ls0 ws0\">Investering i datterselskaper<span class=\"_ _48\"> </span><span class=\"ff4\"><span class=\"_ gs33f\"> </span></span></td><td></td><td></td><td></td></tr><tr><td class=\"t m0 x51f hb y12a9 ff2 fs7 fc3 sc0 ls0 ws0\">Aksjer eid av morbank<span class=\"_ _0\"></span>en<span class=\"_ _122\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y12aa wa03 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Eiendomsmegleren Ringerike Hadeland AS</div></td><td class=\"c n x1383 y12aa w67c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1384 y12aa wa04 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8nefoss<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1385 y12aa wa05 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">100,00%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y12ab wa06 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sparebank 1 \u00d8konomihuset AS</div></td><td class=\"c n x1386 y12ab w3e1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>64<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1387 y12ab wa04 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">H\u00f8nefoss<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1388 y12ab wa05 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">100,00%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y12ac wa07 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum investeringer i datterselskapet</div></td><td class=\"c n x1389 y12ac wa08 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>81<span class=\"_ gs33e\"> </span></div></td><td></td><td></td></tr><tr><td class=\"t m0 x51f hb y12ad ff2 fs7 fc3 sc0 ls0 ws0\">Investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet<span class=\"_ _1e7\"> </span><span class=\"_ gs4e9\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y12ae wa09 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Samarbeidende Sparebanker AS</div></td><td class=\"c n x138a y12ae w6f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>385<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x138b y12ae wa0a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Oslo<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x138c y12ae wa0b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16,55%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1239 wa0c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">SpareBank 1 SamSpar AS</div></td><td class=\"c n x1314 y1239 wa0d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x138d y1239 wa0a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Oslo<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x138e y1239 w50b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16,46%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wa0e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet</div></td><td class=\"c n x138f ye84 wa0f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>418<span class=\"_ gs33e\"> </span></div></td><td></td><td></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs754\"><span class=\"_ gs33f\"> </span></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs755\"><span class=\"_ gs33f\"> </span></div>Aksjer i datterselskaper morbank Investeringer er bokf\u00f8rt til anskaffelsesk<span class=\"_ _0\"></span>ost i morbanken. Det f<span class=\"_ _0\"></span>oretas full konsolidering i k<span class=\"_ _0\"></span>onsernregnskapet.<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s wa10 ha1\" id=\"_26c604af-0361-4542-87c0-6ae62e14dad4\"><tr><td></td><td class=\"t m0 x1390 hb y12af ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1391 hb y12b0 ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1392 hb y12b1 ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td></td><td class=\"t m0 x1393 hb y12b2 ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5ly-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x1394 hb y12b3 ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1395 hb y12b4 ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1396 hb y12b5 ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td class=\"t m0 x1397 hb y12b6 ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td></tr><tr><td></td><td class=\"t m0 x1398 hb y12b7 ff2 fs7 fc3 sc0 ls0 ws0\">aksje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1399 hb y12b7 ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td><td class=\"t m0 x139a hb y12b8 ff2 fs7 fc3 sc0 ls0 ws0\">dende </td><td class=\"t m0 x139b hb y12b8 ff2 fs7 fc3 sc0 ls0 ws0\">Eiende-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x139c hb y12b9 ff2 fs7 fc3 sc0 ls0 ws0\">inntek-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa84 hb y12ba ff2 fs7 fc3 sc0 ls0 ws0\">kostna-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12bb ff2 fs7 fc3 sc0 ls0 ws0\">\u00e5rsre-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139e hb y12bc ff2 fs7 fc3 sc0 ls0 ws0\">verdi </td></tr><tr><td class=\"t m0 x51f hb y12bd ff2 fs7 fc3 sc0 ls0 ws0\">2025 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139f hb y12be ff2 fs7 fc3 sc0 ls0 ws0\">kapital<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a0 hb y12be ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a1 hb y12bf ff2 fs7 fc3 sc0 ls9 wsb\">verdi<span class=\"_ _2cc\"> </span></td><td class=\"c n x13a2 y12c0 wa11 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13a3 y12c0 wa12 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x13a4 hb y12c1 ff2 fs7 fc3 sc0 ls0 ws0\">ter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a5 hb y12c2 ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12c3 ff2 fs7 fc3 sc0 ls0 ws0\">sultat<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a6 hb y12c4 ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12c5 wa13 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Eiendomsmegler1 Ringerike Hadeland AS</div></td><td class=\"c n x13a7 y12c5 wa14 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>562<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13a8 y12c5 wa15 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13a9 y12c5 wa16 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>803<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13aa y12c5 w405 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>43<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ab y12c5 wa17 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ac y12c5 w67c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>71<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ad y12c5 w67b h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>60<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x17b y12c5 w469 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ae y12c5 w67c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12c6 wa06 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sparebank 1 \u00d8konomihuset AS</div></td><td class=\"c n x13af y12c6 wa18 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b0 y12c6 w3ad h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b1 y12c6 wa18 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b2 y12c6 w419 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>42<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b3 y12c6 w67c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b4 y12c6 w268 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>95<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b5 y12c6 w551 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>89<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b6 y12c6 w62 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13b7 y12c6 wa19 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>64<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12c7 wa1a h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\">Sum investering i datterselskaper<span class=\"_ _99\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _17\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13b8 y12c8 wa1b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>81<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y12c9 ff2 fs7 fc3 sc0 ls0 ws0\">Sum investeringer i konsernselskap </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y12ca wa1c h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\">morbank<span class=\"_ _11a\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _d9\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _17\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13b9 ye84 w477 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>81<span class=\"_ gs33e\"> </span></div></td></tr></table></div><div class=\"gs757\"><table class=\"s wa1d ha2\" id=\"_6d44b047-5e11-47a0-8172-b4061e857a74\"><tr><td></td><td class=\"t m0 x1390 hb y12cb ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x1391 hb y12cc ff2 fs7 fc3 sc0 ls0 ws0\">Selska-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td></td><td class=\"t m0 x1392 hb y12cd ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td></td><td class=\"t m0 x1393 hb y12ce ff2 fs7 fc3 sc0 ls0 ws0\">P\u00e5ly-<span class=\"_ _2cc\"> </span></td><td></td><td></td><td class=\"t m0 x1394 hb y12cf ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1395 hb y12d0 ff2 fs7 fc3 sc0 ls0 ws0\">Sum </td><td class=\"t m0 x1396 hb y12d1 ff2 fs7 fc3 sc0 ls0 ws0\">pets </td><td class=\"t m0 x1397 hb y12d2 ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td></tr><tr><td></td><td class=\"t m0 x1398 hb y12d3 ff2 fs7 fc3 sc0 ls0 ws0\">aksje-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x1399 hb y12d3 ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td><td class=\"t m0 x139a hb y12d4 ff2 fs7 fc3 sc0 ls0 ws0\">dende </td><td class=\"t m0 x139b hb y12d4 ff2 fs7 fc3 sc0 ls0 ws0\">Eiende-<span class=\"_ _2cc\"> </span></td><td></td><td class=\"t m0 x139c hb y12d5 ff2 fs7 fc3 sc0 ls0 ws0\">inntek-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 xa84 hb y12d6 ff2 fs7 fc3 sc0 ls0 ws0\">kostna-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12d7 ff2 fs7 fc3 sc0 ls0 ws0\">\u00e5rsre-<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139e hb y12d8 ff2 fs7 fc3 sc0 ls0 ws0\">verdi </td></tr><tr><td class=\"t m0 x51f hb y12d9 ff2 fs7 fc3 sc0 ls0 ws0\">2024 (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139f hb y12da ff2 fs7 fc3 sc0 ls0 ws0\">kapital<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a0 hb y12da ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a1 hb y12db ff2 fs7 fc3 sc0 ls9 wsb\">verdi<span class=\"_ _2cc\"> </span></td><td class=\"c n x13a2 y12dc wa11 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">ler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13a3 y12dc wa12 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"t m0 x13a4 hb y12dd ff2 fs7 fc3 sc0 ls0 ws0\">ter<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a5 hb y12de ff2 fs7 fc3 sc0 ls0 ws0\">der<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x139d hb y12df ff2 fs7 fc3 sc0 ls0 ws0\">sultat<span class=\"_ _2cc\"> </span></td><td class=\"t m0 x13a6 hb y12e0 ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12e1 wa13 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Eiendomsmegler1 Ringerike Hadeland AS</div></td><td class=\"c n x13a7 y12e1 wa14 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>562<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ba y12e1 wa1e h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>700<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bb y12e1 w17b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>803<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bc y12e1 wa1f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>33<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bd y12e1 wa20 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13be y12e1 w29a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>76<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13bf y12e1 w4d4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>69<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c0 y12e1 w296 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c1 y12e1 wa21 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12e2 wa06 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Sparebank 1 \u00d8konomihuset AS</div></td><td class=\"c n x13c2 y12e2 wa22 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c3 y12e2 wa23 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c4 y12e2 wa22 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>10.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c5 y12e2 wa24 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c6 y12e2 w53a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>19<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c7 y12e2 w1cf h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>93<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c8 y12e2 w6b3 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>96<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13c9 y12e2 wa25 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(3)</div></td><td class=\"c n x13ca y12e2 w298 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>64<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12c8 wa26 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum investering i datterselskaper<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13cb y12c8 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"t m0 x51f hb y12e3 ff2 fs7 fc3 sc0 ls0 ws0\">Sum investeringer i konsernselskap </td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 ye84 wa27 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">morbank<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"c n x13cc ye84 w1eb h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td></tr></table></div>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>Utbytte fra Eiendomsmegler1 Ringerike Hadeland AS<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span>Utbytte fra Sparebank 1 \u00d8k<span class=\"_ _0\"></span>onomihuset AS<span class=\"_ _1c6\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _34\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ _2cc\"> </span>Investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet Tilknyttede selskaper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet er bokf\u00f8rt til anskaffelsesk<span class=\"_ _0\"></span>ost i morbanken. K<span class=\"_ _0\"></span>onserntall er presentert etter egenkapitalmetoden<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s wa35 ha5\" id=\"_8824d1b5-e3b3-4ad6-8bb7-76035de4a405\"><tr><td class=\"c n x15c y12e8 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e8 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e9 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e9 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e9 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1237 wa36 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e5 y1237 w38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e6 y1237 w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 wa37 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Sparebank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e7 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e8 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 yfca wa38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e9 yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ea yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1239 wa39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra SpareBank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13eb y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ec y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 wa3a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ed ye84 wa3b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">78<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ee ye84 w8e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"t m0 h7 ff5 fs3 fc3 sc0 ls0 ws0 gs760\">Inntekter fra investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet<span class=\"_ _2cc\"> </span></div>MORBANK<span class=\"_ _2cc\"> </span>KONSERN<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ gs33c\"> </span>323<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span>Balansef\u00f8rt verdi per 01.01.<span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>319<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>(109)<span class=\"_ _2cc\"> </span>Tilgang/avgang<span class=\"_ gs33c\"> </span>(103)<span class=\"_ gs33c\"> </span>137<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>EK<span class=\"_ _0\"></span>-endringer<span class=\"_ gs33c\"> </span>(4)<span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Resultatandel<span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Utbetalt utbytte<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33e\"> </span>527<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>418<span class=\"_ gs33e\"> </span>Balansef\u00f8rt verdi per 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>600<span class=\"_ _2cc\"> </span><div class=\"t m0 h7 ff5 fs3 fc3 sc0 ls0 ws0 gs762\">Konsernets eierandeler i f<span class=\"_ _0\"></span>elleskontrollet virk<span class=\"_ _0\"></span>somhet<span class=\"_ _2cc\"> </span></div><table class=\"s wa3c ha6\" id=\"_29565c26-69fe-465f-9e08-c083798d3c69\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x13ef hb y12ea ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td><td></td><td class=\"t m0 x13f0 hb y12ea ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td></tr><tr><td class=\"c n x116 y1224 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f1 y1224 wa3d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f2 y1224 wa3e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f3 y1224 wa3f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f4 y1224 wa40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Kostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f5 y1224 wa41 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls10 ws21\">Resultat<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f6 y1224 wa42 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f7 y1224 wa43 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eierandel</div></td><td class=\"t m0 x13f8 hb y12eb ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12ec wa44 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Samarbeidende SpareBanker AS</div></td><td class=\"c n x13f9 y12ec wa45 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>480<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fa y12ec wa46 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fb y12ec wa47 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fc y12ec wa46 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fd y12ec w161 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fe y12ec wa48 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>554<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ff y12ec wa49 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">16,55%</div></td><td class=\"c n x1400 y12ec wa4a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1231 wa0c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">SpareBank 1 SamSpar AS</div></td><td class=\"c n x1401 y1231 w363 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1402 y1231 w917 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1403 y1231 w48f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1404 y1231 w48f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1405 y1231 wa4b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1406 y1231 wa4c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1407 y1231 w5be h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">16,46%</div></td><td class=\"c n x1408 y1231 wa4d h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>146.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td></td><td class=\"c n x1409 ye84 w677 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>492<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140a ye84 wa4e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140b ye84 wa4f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>102<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140c ye84 wa50 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140d ye84 w112 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>78<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140e y12ca wa51 h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span><span class=\"_ _1eb\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span></div></td><td></td><td></td></tr></table>Bokf\u00f8rt Antall 2024<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Gjeld<span class=\"_ _2cc\"> </span>Inntekter<span class=\"_ _2cc\"> </span>Kostnader<span class=\"_ _2cc\"> </span>Resultat<span class=\"_ _2cc\"> </span>verdi<span class=\"_ _2cc\"> </span>Eierandelaksjer<span class=\"_ _2cc\"> </span>Samarbeidende SpareBanker AS<span class=\"_ gs33c\"> </span>491<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>582<span class=\"_ gs33c\"> </span>20,<span class=\"_ _1\"></span>11%<span class=\"_ gs33c\"> </span>187<span class=\"_ _1\"></span>.182<span class=\"_ gs33c\"> </span>SpareBank 1 SamSpar AS<span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span>19,80%<span class=\"_ gs33c\"> </span>175.639<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>506<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>9<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>126<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>29<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>97<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>602",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-706": {
   "value": "<div class=\"t m0 h7 ff5 fs3 fc3 sc0 ls0 ws0 gs75c\">Investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs75d\">Tilknyttede selskaper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet er bokf\u00f8rt til anskaffelsesk<span class=\"_ _0\"></span>ost i morbanken. K<span class=\"_ _0\"></span>onserntall er </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs75e\">presentert etter egenkapitalmetoden<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span></div><table class=\"s wa35 ha5\" id=\"_8824d1b5-e3b3-4ad6-8bb7-76035de4a405\"><tr><td class=\"c n x15c y12e8 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e8 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e9 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e9 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e9 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1237 wa36 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e5 y1237 w38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e6 y1237 w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 wa37 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Sparebank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e7 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e8 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 yfca wa38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e9 yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ea yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1239 wa39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra SpareBank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13eb y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ec y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 wa3a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ed ye84 wa3b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">78<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ee ye84 w8e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr></table>Inntekter fra investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet<span class=\"_ _2cc\"> </span><div class=\"gs2bf\"><table class=\"s wa2c ha4\" id=\"_332453ee-cae4-47e5-b1bc-4f6ed269651b\"><tr><td class=\"c n x15c y12e5 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e5 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e6 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e6 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e6 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e6 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e6 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x130e y12e7 w601 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>323<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d3 y12e7 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d4 y12e7 wa2d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi per 01.01.</div></td><td class=\"c n x13d5 y12e7 w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d6 y12e7 w41a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>319<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1237 w881 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d7 y1237 w6d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(109)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13d8 y1237 wa2e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang/avgang</div></td><td class=\"c n x13d9 y1237 wa2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(103)</div></td><td class=\"c n x13da y1237 w4a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>137<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1238 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1238 wa30 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>EK<span class=\"_ _0\"></span>-endringer</div></td><td class=\"c n x13db y1238 w498 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(4)</div></td><td class=\"c n x13dc y1238 w493 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e yfca w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c yfca wa31 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Resultatandel</div></td><td class=\"c n x13dd yfca w70f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13de yfca w36c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1239 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1239 wa32 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Utbetalt utbytte</div></td><td class=\"c n x13df y1239 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x13e0 y1239 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x15c ye84 w357 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>527<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e1 ye84 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>418<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e2 ye84 wa33 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi per 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x13e3 ye84 wa34 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e4 ye84 w586 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>600<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table></div>Konsernets eierandeler i f<span class=\"_ _0\"></span>elleskontrollet virk<span class=\"_ _0\"></span>somhet<span class=\"_ _2cc\"> </span><table class=\"s wa3c ha6\" id=\"_29565c26-69fe-465f-9e08-c083798d3c69\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x13ef hb y12ea ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td><td></td><td class=\"t m0 x13f0 hb y12ea ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td></tr><tr><td class=\"c n x116 y1224 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f1 y1224 wa3d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f2 y1224 wa3e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f3 y1224 wa3f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f4 y1224 wa40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Kostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f5 y1224 wa41 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls10 ws21\">Resultat<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f6 y1224 wa42 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f7 y1224 wa43 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eierandel</div></td><td class=\"t m0 x13f8 hb y12eb ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12ec wa44 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Samarbeidende SpareBanker AS</div></td><td class=\"c n x13f9 y12ec wa45 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>480<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fa y12ec wa46 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fb y12ec wa47 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fc y12ec wa46 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fd y12ec w161 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fe y12ec wa48 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>554<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ff y12ec wa49 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">16,55%</div></td><td class=\"c n x1400 y12ec wa4a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1231 wa0c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">SpareBank 1 SamSpar AS</div></td><td class=\"c n x1401 y1231 w363 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1402 y1231 w917 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1403 y1231 w48f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1404 y1231 w48f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1405 y1231 wa4b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1406 y1231 wa4c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1407 y1231 w5be h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">16,46%</div></td><td class=\"c n x1408 y1231 wa4d h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>146.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td></td><td class=\"c n x1409 ye84 w677 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>492<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140a ye84 wa4e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140b ye84 wa4f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>102<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140c ye84 wa50 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140d ye84 w112 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>78<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140e y12ca wa51 h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span><span class=\"_ _1eb\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span></div></td><td></td><td></td></tr></table>Bokf\u00f8rt Antall 2024<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Gjeld<span class=\"_ _2cc\"> </span>Inntekter<span class=\"_ _2cc\"> </span>Kostnader<span class=\"_ _2cc\"> </span>Resultat<span class=\"_ _2cc\"> </span>verdi<span class=\"_ _2cc\"> </span>Eierandelaksjer<span class=\"_ _2cc\"> </span>Samarbeidende SpareBanker AS<span class=\"_ gs33c\"> </span>491<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>582<span class=\"_ gs33c\"> </span>20,<span class=\"_ _1\"></span>11%<span class=\"_ gs33c\"> </span>187<span class=\"_ _1\"></span>.182<span class=\"_ gs33c\"> </span>SpareBank 1 SamSpar AS<span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span>19,80%<span class=\"_ gs33c\"> </span>175.639<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>506<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>9<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>126<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>29<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>97<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>602<span class=\"_ gs33e\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-734": {
   "value": "Investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet Tilknyttede selskaper og fellesk<span class=\"_ _0\"></span>ontrollert virksomhet er bokf\u00f8rt til anskaffelsesk<span class=\"_ _0\"></span>ost i morbanken. K<span class=\"_ _0\"></span>onserntall er presentert etter egenkapitalmetoden<span class=\"_ _2cc\"> </span>.<span class=\"_ _2cc\"> </span><table class=\"s wa35 ha5\" id=\"_8824d1b5-e3b3-4ad6-8bb7-76035de4a405\"><tr><td class=\"c n x15c y12e8 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e8 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e9 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e9 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e9 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e9 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1237 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1237 wa36 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e5 y1237 w38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">77<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e6 y1237 w39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1238 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1238 wa37 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Resultatandel fra Sparebank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e7 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e8 y1238 w84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 yfca w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 yfca wa38 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra Samarbeidende Sparebanker AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13e9 yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ea yfca w89 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d1 y1239 w73 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10d2 y1239 wa39 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utbytte fra SpareBank 1 SamSpar AS<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13eb y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ec y1239 w75 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x10ae ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10e2 ye84 w8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">0<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x10f7 ye84 wa3a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum inntekt<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ed ye84 wa3b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">78<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13ee ye84 w8e7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _2cc\"> </span></div></td></tr></table>Inntekter fra investeringer i fellesk<span class=\"_ _0\"></span>ontrollert virksomhet<span class=\"_ _2cc\"> </span><table class=\"s wa2c ha4\" id=\"_332453ee-cae4-47e5-b1bc-4f6ed269651b\"><tr><td class=\"c n x15c y12e5 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x13d2 y12e5 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y12e6 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105b y12e6 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x105c y12e6 w25d h24\"><div class=\"t m0 x113 hb ye6a ff1 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11cf y12e6 w8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x11d0 y12e6 w4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2024</div></td></tr><tr><td class=\"c n x130e y12e7 w601 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>323<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d3 y12e7 w190 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>527<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d4 y12e7 wa2d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi per 01.01.</div></td><td class=\"c n x13d5 y12e7 w711 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>600<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d6 y12e7 w41a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>319<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x15c y1237 w881 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>204<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13d7 y1237 w6d5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(109)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13d8 y1237 wa2e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Tilgang/avgang</div></td><td class=\"c n x13d9 y1237 wa2f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(103)</div></td><td class=\"c n x13da y1237 w4a0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>137<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1238 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1238 wa30 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>EK<span class=\"_ _0\"></span>-endringer</div></td><td class=\"c n x13db y1238 w498 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>(4)</div></td><td class=\"c n x13dc y1238 w493 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>7<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e yfca w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c yfca wa31 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Resultatandel</div></td><td class=\"c n x13dd yfca w70f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13de yfca w36c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x13e y1239 w398 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x67c y1239 wa32 h23\" colspan=\"2\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ _29c\"> </span>Utbetalt utbytte</div></td><td class=\"c n x13df y1239 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td><td class=\"c n x13e0 y1239 w2a7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span></div></td></tr><tr><td class=\"c n x15c ye84 w357 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>527<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e1 ye84 w531 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>418<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e2 ye84 wa33 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansef\u00f8rt verdi per 31.<span class=\"_ _1\"></span>12.</div></td><td class=\"c n x13e3 ye84 wa34 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x13e4 ye84 w586 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>600<span class=\"_ _2cc\"> </span><span class=\"_ gs33e\"> </span></div></td></tr></table>Konsernets eierandeler i f<span class=\"_ _0\"></span>elleskontrollet virk<span class=\"_ _0\"></span>somhet<span class=\"_ _2cc\"> </span><table class=\"s wa3c ha6\" id=\"_29565c26-69fe-465f-9e08-c083798d3c69\"><tr><td></td><td></td><td></td><td></td><td></td><td></td><td class=\"t m0 x13ef hb y12ea ff2 fs7 fc3 sc0 ls0 ws0\">Bokf\u00f8rt </td><td></td><td class=\"t m0 x13f0 hb y12ea ff2 fs7 fc3 sc0 ls0 ws0\">Antall </td></tr><tr><td class=\"c n x116 y1224 w5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f1 y1224 wa3d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eiendeler<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f2 y1224 wa3e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Gjeld<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f3 y1224 wa3f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Inntekter<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f4 y1224 wa40 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Kostnader<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f5 y1224 wa41 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls10 ws21\">Resultat<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f6 y1224 wa42 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">verdi<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x13f7 y1224 wa43 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eierandel</div></td><td class=\"t m0 x13f8 hb y12eb ff2 fs7 fc3 sc0 ls0 ws0\">aksjer<span class=\"_ _2cc\"> </span></td></tr><tr><td class=\"c n x116 y12ec wa44 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">Samarbeidende SpareBanker AS</div></td><td class=\"c n x13f9 y12ec wa45 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>480<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fa y12ec wa46 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fb y12ec wa47 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fc y12ec wa46 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fd y12ec w161 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13fe y12ec wa48 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>554<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x13ff y12ec wa49 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">16,55%</div></td><td class=\"c n x1400 y12ec wa4a h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>154.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1231 wa0c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">SpareBank 1 SamSpar AS</div></td><td class=\"c n x1401 y1231 w363 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1402 y1231 w917 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1403 y1231 w48f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1404 y1231 w48f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1405 y1231 wa4b h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1406 y1231 wa4c h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>17<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1407 y1231 w5be h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">16,46%</div></td><td class=\"c n x1408 y1231 wa4d h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>146.060<span class=\"_ gs33c\"> </span></div></td></tr><tr><td></td><td class=\"c n x1409 ye84 w677 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>492<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140a ye84 wa4e h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>8<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140b ye84 wa4f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>102<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140c ye84 wa50 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140d ye84 w112 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>78<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x140e y12ca wa51 h27\"><div class=\"t m0 x113 hb ye9d ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>571<span class=\"_ gs33e\"> </span><span class=\"_ _1eb\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _100\"> </span><span class=\"_ gs4e9\"> </span></div></td><td></td><td></td></tr></table>Bokf\u00f8rt Antall 2024<span class=\"_ _2cc\"> </span>Eiendeler<span class=\"_ _2cc\"> </span>Gjeld<span class=\"_ _2cc\"> </span>Inntekter<span class=\"_ _2cc\"> </span>Kostnader<span class=\"_ _2cc\"> </span>Resultat<span class=\"_ _2cc\"> </span>verdi<span class=\"_ _2cc\"> </span>Eierandelaksjer<span class=\"_ _2cc\"> </span>Samarbeidende SpareBanker AS<span class=\"_ gs33c\"> </span>491<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>97<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>582<span class=\"_ gs33c\"> </span>20,<span class=\"_ _1\"></span>11%<span class=\"_ gs33c\"> </span>187<span class=\"_ _1\"></span>.182<span class=\"_ gs33c\"> </span>SpareBank 1 SamSpar AS<span class=\"_ gs33c\"> </span>15<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>9<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>29<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span>19,80%<span class=\"_ gs33c\"> </span>175.639<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>506<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>9<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>126<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>29<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>97<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>602",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-659": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs764\">Note 38 \u2013 V<span class=\"_ _1\"></span>esentlige transaksjoner med n\u00e6rst\u00e5ende selskaper<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs765\">T<span class=\"_ _1\"></span>ransaksjoner mellom n\u00e6rst\u00e5ende parter<span class=\"_ _1\"></span>. Med n\u00e6rst\u00e5ende parter menes her tilknyttede selskaper<span class=\"_ _0\"></span>, </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs766\">fellesk<span class=\"_ _0\"></span>ontrollerte virksomheter og datterselskaper<span class=\"_ _1\"></span>. Se note 37 for investeringer i eierinter<span class=\"_ _0\"></span>esser<span class=\"_ _1\"></span>. Bankens </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs767\">mellomv\u00e6rende med ansatte og tillitsvalgte vises i note 20. Alle l\u00e5n til n\u00e6rst\u00e5ende parter er bokf\u00f8rt i morbanken.<span class=\"_ _2cc\"> </span></div>Felleskontr<span class=\"_ _0\"></span>ollerte virksom-<span class=\"_ _2cc\"> </span>N\u00e6rst\u00e5ende selskaper<span class=\"_ _2cc\"> </span>heter<span class=\"_ _2cc\"> </span>L\u00e5n<span class=\"ff4\"> (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>L\u00e5n utest\u00e5ende pr 1.<span class=\"_ _1\"></span>1.<span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>20<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>12<span class=\"_ gs33c\"> </span>L\u00e5n innvilget i perioden<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Tilbakebetaling<span class=\"_ gs33c\"> </span>(3)<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>(20)<span class=\"_ gs33c\"> </span>8<span class=\"_ gs33c\"> </span>Utest\u00e5ende l\u00e5n per 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33e\"> </span>0<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>3<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>(0)<span class=\"_ gs33e\"> </span>20<span class=\"_ gs33e\"> </span>Renteinntekter<span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span>T<span class=\"_ _1\"></span>ap ved utl\u00e5n<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Innskudd (Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>2025<span class=\"_ _2cc\"> </span>2024<span class=\"_ _2cc\"> </span>Innskudd per 1.<span class=\"_ _1\"></span>1.<span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>13<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Nye innskudd i perioden<span class=\"_ gs33c\"> </span>3<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>11<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Uttak<span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span><span class=\"_ gs33c\"> </span>-<span class=\"_ gs340\"> </span>Innskudd per 31.<span class=\"_ _1\"></span>12.<span class=\"_ gs33e\"> </span>27<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>24<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span><span class=\"_ gs33e\"> </span>-<span class=\"_ gs5cf\"> </span>Rentek<span class=\"_ _0\"></span>ostnader<span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-735": {
   "value": "<table class=\"s wa78 haa\" id=\"_0d7a4e51-b46c-4b6a-9dca-55cd060687de\"><tr><td class=\"t m0 x51f hb y12fe ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y12ff w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6f y12ff wa79 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1474 y12ff wa7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1475 y12ff w9c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1300 wa7b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Egenkapitalbeviskapital</div></td><td class=\"c n x1476 y1300 wa7c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1477 y1300 wa7c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1478 y1300 wa7c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1301 wf2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overkursfond<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1479 y1301 w1be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">492</div></td><td class=\"c n x147a y1301 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x147b y1301 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1302 wa7d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utjevningsfond eksklusiv<span class=\"_ _0\"></span>e utbytte og fond f<span class=\"_ _0\"></span>or urealiserte gevinster</div></td><td class=\"c n x147c y1302 w53f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.096<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x147d y1302 wa7e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.148<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x147e y1302 wa7f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.779<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1265 wa80 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">A. Sum egenkapitalbeviseierenes kapital</div></td><td class=\"c n x147f y1265 wa81 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>153<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1480 y1265 w3a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.205<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1481 y1265 w407 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.836<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1303 wa82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Grunnfondskapital eksklusiv<span class=\"_ _0\"></span>e gaver og fond f<span class=\"_ _0\"></span>or urealiserte gevinster</div></td><td class=\"c n x1482 y1303 w4f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>108<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1483 y1303 w59c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1484 y1303 w3eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>100<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1304 wa83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kompensasjonsf<span class=\"_ _0\"></span>ond</div></td><td class=\"c n x1485 y1304 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1486 y1304 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1487 y1304 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ba wa84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">B. Sum samfunnseid kapital</div></td><td class=\"c n x1488 y11ba wa85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>113<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1489 y11ba w59 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>115<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x148a y11ba wa86 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>105<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y129e wa87 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Egenkapital eksklusiv utbytte og f<span class=\"_ _0\"></span>ond for urealiserte gevinster</div></td><td class=\"c n x148b y129e wa88 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.266<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x148c y129e wa89 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.320<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x148d y129e wa8a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.941<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wa8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eierandelsbr\u00f8k (A/(A+B))<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x148e ye84 wa8c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _1\"></span>,34%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x148f ye84 wa8c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _1\"></span>,34%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1490 ye84 wa8d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>,34%</div></td></tr></table>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNetAssetValueAttributableToUnitholdersExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-745": {
   "value": "Overkursfond<span class=\"_ _2cc\"> </span>492<span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span>Utjevningsfond eksklusiv<span class=\"_ _0\"></span>e utbytte og fond f<span class=\"_ _0\"></span>or urealiserte gevinster<span class=\"_ gs33c\"> </span>2.096<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>2.148<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1.779<span class=\"_ gs33c\"> </span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-660": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 39 \u2013 Eierandelskapital- og eierstruktur<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h7 ff5 fs3 fc3 sc0 ls0 ws0 gs76d\">Egenkapitalbevisk<span class=\"_ _0\"></span>apital </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs76e\">Bankens egenkapitalbe<span class=\"_ _0\"></span>viskapital utgj\u00f8r 1.565.040.500 kroner for<span class=\"_ _0\"></span>delt p\u00e5 <span>15.650.405 </span>egenkapitalbe<span class=\"_ _0\"></span>vis, hvert </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs76f\">p\u00e5lydende 100 kroner<span class=\"_ _141\"></span>. </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs770\">Per 31.<span class=\"_ _141\"></span>12.2025 var det 2252 egenkapitalbeviseiere (2048 per 31.<span class=\"_ _1\"></span>12.2024). </div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs771\">Eierandelskapitalen er tatt opp p\u00e5 f\u00f8lgende m\u00e5te:<span class=\"_ _2cc\"> </span></div><div class=\"t m0 hf ff1 fs3 fc3 sc0 ls0 ws0 gs772\">Eierandelskapitalen er tatt opp p\u00e5 f\u00f8lgende m\u00e5te:<span class=\"_ _2cc\"> </span></div><div class=\"gs773\"><table class=\"s wa66 ha9\" id=\"_a9e55541-11b4-4158-a410-735bd8063a3a\"><tr><td></td><td></td><td class=\"t m0 x1463 hb y12fb ff2 fs7 fc3 sc0 ls0 ws0\">Endring i egenkapitalbevi-<span class=\"_ _2cc\"> </span></td><td></td><td></td></tr><tr><td class=\"c n x116 y12fc w7db h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">\u00c5r<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1464 y12fc wa67 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Endring<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1465 y12fc wa68 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">skapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1466 y12fc wa69 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otal eierandelskapital<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1467 y12fc wa6a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Antall egenkapitalbevis<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1212 w6f4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1996<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1468 y1212 wa6b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Emisjon ifbm b\u00f8rsnotering</div></td><td class=\"c n x1469 y1212 wa6c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>50.000.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x146a y1212 wa6c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>50.000.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x146b y1212 wa6d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>500.000<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y12fd wa6e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2010<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x146c y12fd wa6f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kapitalutvidelse ifbm fusjon</div></td><td class=\"c n x146d y12fd wa70 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.344.665.200<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x146e y12fd wa71 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.394.665.200<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x146f y12fd wa72 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.446.652<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wa73 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">2017<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1470 ye84 wa74 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Emisjon</div></td><td class=\"c n x1471 ye84 wa75 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>170.375.300<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1472 ye84 wa76 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565.040.500<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1473 ye84 wa77 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.703.753<span class=\"_ gs33c\"> </span></div></td></tr></table></div><div class=\"t m0 h1 ff2 fs0 fc0 sc0 ls0 ws0 gs774\">118<span class=\"_ _2cc\"> </span></div><div class=\"gs2bf\"><table class=\"s wa78 haa\" id=\"_0d7a4e51-b46c-4b6a-9dca-55cd060687de\"><tr><td class=\"t m0 x51f hb y12fe ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></td><td></td><td></td><td></td></tr><tr><td class=\"c n x116 y12ff w6 h24\"><div class=\"t m0 x113 hb ye6a ff4 fs7 fc3 sc0 ls0 ws0\">(Bel\u00f8p i mnok)<span class=\"_ _2cc\"> </span></div></td><td class=\"c n xb6f y12ff wa79 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1474 y12ff wa7a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1475 y12ff w9c8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2023<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1300 wa7b h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Egenkapitalbeviskapital</div></td><td class=\"c n x1476 y1300 wa7c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1477 y1300 wa7c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1478 y1300 wa7c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.565<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1301 wf2 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Overkursfond<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1479 y1301 w1be h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">492</div></td><td class=\"c n x147a y1301 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x147b y1301 w3ae h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>492<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1302 wa7d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Utjevningsfond eksklusiv<span class=\"_ _0\"></span>e utbytte og fond f<span class=\"_ _0\"></span>or urealiserte gevinster</div></td><td class=\"c n x147c y1302 w53f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.096<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x147d y1302 wa7e h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.148<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x147e y1302 wa7f h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.779<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1265 wa80 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">A. Sum egenkapitalbeviseierenes kapital</div></td><td class=\"c n x147f y1265 wa81 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.<span class=\"_ _0\"></span>153<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1480 y1265 w3a7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.205<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1481 y1265 w407 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.836<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1303 wa82 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Grunnfondskapital eksklusiv<span class=\"_ _0\"></span>e gaver og fond f<span class=\"_ _0\"></span>or urealiserte gevinster</div></td><td class=\"c n x1482 y1303 w4f7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>108<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1483 y1303 w59c h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>110<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1484 y1303 w3eb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>100<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y1304 wa83 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Kompensasjonsf<span class=\"_ _0\"></span>ond</div></td><td class=\"c n x1485 y1304 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1486 y1304 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1487 y1304 w44d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y11ba wa84 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">B. Sum samfunnseid kapital</div></td><td class=\"c n x1488 y11ba wa85 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>113<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1489 y11ba w59 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>115<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x148a y11ba wa86 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>105<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x116 y129e wa87 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Egenkapital eksklusiv utbytte og f<span class=\"_ _0\"></span>ond for urealiserte gevinster</div></td><td class=\"c n x148b y129e wa88 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.266<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x148c y129e wa89 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>4.320<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x148d y129e wa8a h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>3.941<span class=\"_ gs33e\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wa8b h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Eierandelsbr\u00f8k (A/(A+B))<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x148e ye84 wa8c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _1\"></span>,34%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x148f ye84 wa8c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _1\"></span>,34%<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1490 ye84 wa8d h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">97<span class=\"_ _0\"></span>,34%</div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs769\"><span class=\"_ gs33f\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs33f\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs33f\"> </span></div><div class=\"t m0 hb ff2 fs7 fc3 sc0 ls0 ws0 gs76a\"><span class=\"_ gs4e9\"> </span><span class=\"_ _b0\"> </span><span class=\"_ gs4e9\"> </span><span class=\"_ _52\"> </span><span class=\"_ gs4e9\"> </span></div><div class=\"gs2bf\"><table class=\"s wa8e hab\" id=\"_e0031a5a-bb0a-4c26-962d-266bd856491b\"><tr><td></td><td></td><td class=\"t m0 x13a1 hb y1305 ff2 fs7 fc3 sc0 ls0 ws0\">Antall egenkapital-<span class=\"_ _2cc\"> </span></td><td></td></tr><tr><td class=\"t m0 x51f hb y1306 ff2 fs7 fc3 sc0 ls0 ws0\">De 20 st\u00f8rste egenkapitalbeviseierne<span class=\"_ _2cc\"> </span></td><td></td><td class=\"c n x1491 y1307 wa8f h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">bevis<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1492 y1307 wa90 h22\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Andel<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1493 y1308 w84 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">1</div></td><td class=\"c n x1494 y1308 wa91 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">SP<span class=\"_ _0\"></span>AREBANK 1-STIFTELSEN RINGERIKE</div></td><td class=\"c n x1495 y1308 wa92 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>4.634.470<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1496 y1308 w22b h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">29,61%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y1292 w83 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">2</div></td><td class=\"c n x1498 y1292 wa93 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">SP<span class=\"_ _1\"></span>AREBANK 1-STIFTELSEN GRAN</div></td><td class=\"c n x1499 y1292 wa94 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.086.627<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x149a y1292 wa95 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">19,72%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y1309 w26 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">3</div></td><td class=\"c n x149b y1309 wa96 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">SP<span class=\"_ _1\"></span>AREBANKSTIFTELSEN JEVNAKER LUNNE</div></td><td class=\"c n x149c y1309 wa97 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.347<span class=\"_ _1\"></span>.840<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x149d y1309 wa98 h22\"><div class=\"t m0 x113 ha yec5 ff4 fs7 fc3 sc0 ls0 ws0\">15,00%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y130a w34 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x149e y130a wa99 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">VPF EIKA EGENKAPIT<span class=\"_ _1\"></span>ALBEVIS</div></td><td class=\"c n x149f y130a wa9a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>775.092<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14a0 y130a wa9b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">4,95%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y130b w35 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">5</div></td><td class=\"c n x14a1 y130b wa9c h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">SPESIALFONDET BOREA UTBYTTE</div></td><td class=\"c n x14a2 y130b wa9d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>275.027<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14a3 y130b wa9e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,76%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y130c w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">6</div></td><td class=\"c n x14a4 y130c wa9f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">TRONRUD AS</div></td><td class=\"c n x14a5 y130c waa0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>259.337<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14a6 y130c waa1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,66%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y130d w11d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7</div></td><td class=\"c n x14a7 y130d waa2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">MP PENSJON PK</div></td><td class=\"c n x14a8 y130d waa3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>246.222<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14a9 y130d waa4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,57%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y130e wc6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">8</div></td><td class=\"c n x14aa y130e waa5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">NORDEA BANK  ABP</div></td><td class=\"c n x14ab y130e waa6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>229.065<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14ac y130e waa7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,46%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y130f w14e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">9</div></td><td class=\"c n x14a4 y130f waa8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">KOMMUNAL LANDSPENSJONSKASSE GJENSI</div></td><td class=\"c n x14ad y130f waa9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>221.901<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14ae y130f waaa h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">1,42%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1310 w61 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">10</div></td><td class=\"c n x14b0 y1310 waab h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ELGAR KAPIT<span class=\"_ _1\"></span>AL AS</div></td><td class=\"c n x14b1 y1310 waac h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>106.467<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14b2 y1310 waad h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,68%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x1497 y1311 waae h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">11</div></td><td class=\"c n x14b3 y1311 waaf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ALLUMG\u00c5RDEN AS</div></td><td class=\"c n x14b4 y1311 wab0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>77<span class=\"_ _1\"></span>.311<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14b5 y1311 wab1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,49%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1299 w11e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">12</div></td><td class=\"c n x14b6 y1299 wab2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">AKA AS</div></td><td class=\"c n x14b7 y1299 wab3 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>69.<span class=\"_ _0\"></span>477<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14b8 y1299 wab4 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,44%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1301 wcf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">13<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x14b9 y1301 wab5 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">BOREA NORDISK UTB<span class=\"_ _0\"></span>YTTE VERDIP<span class=\"_ _1\"></span>APIRFO</div></td><td class=\"c n x14ba y1301 wab6 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>66.<span class=\"_ _1\"></span>155<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14bb y1301 wab7 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,42%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1312 w82 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">14</div></td><td class=\"c n x14bc y1312 wab8 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">THORSTEIN KV<span class=\"_ _0\"></span>ALE AS</div></td><td class=\"c n x14bd y1312 wab9 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>60.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14be y1312 waba h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,38%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1313 w22 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">15</div></td><td class=\"c n x14bf y1313 wabb h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">G.A.S. HOLDING AS</div></td><td class=\"c n x14c0 y1313 wabc h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>50.679<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14c1 y1313 w6db h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,32%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1314 w3d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">16</div></td><td class=\"c n x14b0 y1314 wabd h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ST<span class=\"_ _1\"></span>AAVI</div></td><td class=\"c n x14c2 y1314 wabe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>42.505<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14c3 y1314 wa8f h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,27%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1315 w16 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">17</div></td><td class=\"c n x14c4 y1315 wabf h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">R<span class=\"_ _0\"></span>G HOLDING AS</div></td><td class=\"c n x14c5 y1315 w145 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>41.338<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14c6 y1315 wac0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,26%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1251 wbe h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18</div></td><td class=\"c n x14c7 y1251 wac1 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">LUNNER ALMENNING</div></td><td class=\"c n x14c8 y1251 wac2 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>40.322<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14c9 y1251 wac0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,26%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14af y1316 w3d h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">19</div></td><td class=\"c n x14b0 y1316 wac3 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">ADLON AS</div></td><td class=\"c n x14ca y1316 wac4 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>40.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14cb y1316 wac5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,26%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x14cc y1237 wc5 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">20</div></td><td class=\"c n x14bc y1237 wac6 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">HAHV INVEST AS</div></td><td class=\"c n x14cd y1237 wac7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>38.000<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14ce y1237 wab7 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">0,24%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y129e wac8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Sum 20 st\u00f8rste eiere</div></td><td></td><td class=\"c n x14cf y129e wac9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>12.707<span class=\"_ _1\"></span>.835<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x14d0 y129e waca h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">81,20%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1026 wacb h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige eiere</div></td><td></td><td class=\"c n x14d1 y1026 wacc h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.942.570<span class=\"_ gs33c\"> </span></div></td><td class=\"c n xfef y1026 wacd h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">18,80%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 wace h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Utstedte egenkapitalbevis</div></td><td></td><td class=\"c n x14d2 ye84 wacf h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>15.650.405<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x14d3 ye84 wad0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">100%</div></td></tr></table></div><div class=\"t m0 ha ff4 fs7 fc3 sc0 ls0 ws0 gs776\"><span class=\"_ gs33f\"> </span></div><div class=\"gs777\"><table class=\"s wad1 hac\" id=\"_ac0b497c-906b-4b4c-a843-d8f22ee0da27\"><tr><td class=\"c n x116 y12ac wad2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Intervall<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x14d4 y12ac wad3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Antall eiere<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x14d5 y12ac wad4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">%</div></td><td class=\"c n x14d6 y12ac wad5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Antall  EKB<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x7fe y12ac wad4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1317 w34f h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">10.001-</div></td><td class=\"c n x14d7 y1317 w36c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>79<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14d8 y1317 wad6 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">3%</div></td><td class=\"c n x14d9 y1317 wad7 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>13.694.460<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14da y1317 w1a h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">87%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1318 wad8 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">5.001-10.000</div></td><td class=\"c n x14db y1318 wad9 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>82<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14dc y1318 wada h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">4%</div></td><td class=\"c n x14dd y1318 wadb h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>599.042<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14de y1318 wada h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">4%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1211 wadc h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">1.000-5.000</div></td><td class=\"c n x14df y1211 w29b h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>417<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14e0 y1211 w7fb h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">19%</div></td><td class=\"c n x14e1 y1211 wadd h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>906.622<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14e2 y1211 wade h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">6%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1319 wadf h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">201-1.000</div></td><td class=\"c n x14e3 y1319 wae0 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>748<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14e4 y1319 wae1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">33%</div></td><td class=\"c n x14e5 y1319 wae2 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>369.753<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14e6 y1319 wae3 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">2%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1228 wae4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">0-200</div></td><td class=\"c n x14e7 y1228 w554 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>926<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14e8 y1228 wae5 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">41%</div></td><td class=\"c n x14e9 y1228 wae6 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>80.528<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14ea y1228 w8ff h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1%</div></td></tr><tr><td></td><td class=\"c n x14eb ye84 wae7 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.252<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x14ec ye84 wad0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">100%</div></td><td class=\"c n x14ed ye84 wae8 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>15.650.405<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x14ee ye84 wae9 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">100%<span class=\"_ _2cc\"> </span></div></td></tr></table></div><div class=\"gs778\"><table class=\"s waea had\" id=\"_b43dce40-43df-4c94-8e5e-0b63089bd33c\"><tr><td class=\"c n x116 y131a w841 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Kommune<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x14ef y131a wad3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Antall eiere<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x14f0 y131a wad4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">%</div></td><td class=\"c n x14f1 y131a wad5 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Antall  EKB<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x14f2 y131a wad4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y131b waeb h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">RINGERIKE</div></td><td class=\"c n x14f3 y131b w2b4 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>753<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14f4 y131b wae1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">33%</div></td><td class=\"c n x14f5 y131b waec h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>6.<span class=\"_ _1\"></span>155.924<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14f6 y131b waed h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">39%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y131c wa90 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">GRAN</div></td><td class=\"c n x14f7 y131c w53c h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>168<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14f8 y131c waee h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">7%</div></td><td class=\"c n x14f9 y131c waef h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>3.312.<span class=\"_ _0\"></span>114<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14fa y131c w1bb h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">21%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y131d waf0 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">JEVNAKER</div></td><td class=\"c n x14fb y131d w69a h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>171<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14fc y131d waf1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">8%</div></td><td class=\"c n x14fd y131d waf2 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2.591.411<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x14fe y131d waf3 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">17%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y131e waf4 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">OSL<span class=\"_ _0\"></span>O</div></td><td class=\"c n x14ff y131e w3b4 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>216<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1500 y131e w5e5 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">10%</div></td><td class=\"c n x1501 y131e waf5 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.644.809<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1502 y131e w65e h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">11%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y131f waf6 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">BERGEN</div></td><td class=\"c n x1503 y131f waf7 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>27<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1504 y131f w5f h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1%</div></td><td class=\"c n x1505 y131f waf8 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>373.855<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1506 y131f waf9 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">2%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1320 w261 h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">HOLE</div></td><td class=\"c n x1507 y1320 wafa h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>170<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1508 y1320 waf1 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">8%</div></td><td class=\"c n x1509 y1320 wafb h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>275.561<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x150a y1320 waf9 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">2%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1321 wafc h24\"><div class=\"t m0 x113 hc yf77 ff1 fs7 fc3 sc0 ls0 ws0\">B\u00c6RUM</div></td><td class=\"c n x150b y1321 w706 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>78<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x150c y1321 wad6 h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">3%</div></td><td class=\"c n x150d y1321 wafd h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>123.418<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x150e y1321 w5f h24\"><div class=\"t m0 x113 hc yf77 ff4 fs7 fc3 sc0 ls0 ws0\">1%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1322 wafe h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Sum</div></td><td class=\"c n x150f y1322 waff h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.583<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1510 y1322 wb00 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">70%</div></td><td class=\"c n x1511 y1322 wb01 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>14.477<span class=\"_ _141\"></span>.092<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1512 y1322 wb02 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">93%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 y1323 wb03 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">\u00d8vrige</div></td><td class=\"c n x1513 y1323 w3ef h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>669<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1514 y1323 w5e1 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">30%</div></td><td class=\"c n x1515 y1323 wb04 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>1.<span class=\"_ _1\"></span>173.313<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1516 y1323 wb05 h24\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">7%<span class=\"_ _2cc\"> </span></div></td></tr><tr><td class=\"c n x116 ye84 w1e4 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">T<span class=\"_ _1\"></span>otalt</div></td><td class=\"c n x1517 ye84 wb06 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33e\"> </span>2.252<span class=\"_ gs33e\"> </span></div></td><td class=\"c n x1476 ye84 wad0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">100%</div></td><td class=\"c n x1518 ye84 wb07 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">15.650.<span class=\"_ _0\"></span>405<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x1519 ye84 wad0 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">100%</div></td></tr></table></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-744": {
   "value": "15650405.0",
   "decimals": 0,
   "dimensions": {
    "concept": "ifrs-full:NumberOfSharesIssued",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00",
    "unit": "xbrli:shares"
   }
  },
  "fact-661": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs6\">Note 40 \u2013 Leiea<span class=\"_ _0\"></span>vtaler<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs77c\">IFRS 16 Leieavtaler f\u00f8r<span class=\"_ _0\"></span>er til at vesentlige leieavtaler f<span class=\"_ _0\"></span>or konsernet balansef\u00f8r<span class=\"_ _0\"></span>es. Bruksrett er presentert i balansen </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs77d\">som en del av \"Eiendom, anlegg og utstyr\"<span class=\"_ _1\"></span>, mens leieforpliktelsen presenteres som \"<span class=\"_ _141\"></span>Annen gjeld og balansef\u00f8rt </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs77e\">forpliktelser\"<span class=\"_ _1\"></span>. SpareBank 1 Ringerike Hadeland har benyttet seg av fritak som finnes f<span class=\"_ _0\"></span>or kortsiktige leieavtaler </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs77f\">(under 12 m\u00e5neder) og leieavtaler med la<span class=\"_ _0\"></span>v verdi. Disse leiek<span class=\"_ _0\"></span>ostnadene utgjorde 0,80 mill. kroner f<span class=\"_ _0\"></span>or morbank og </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fa\">1,0 mill. kroner for k<span class=\"_ _0\"></span>onsernet i 2025. </div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs2fc\">Alle bel\u00f8p er i millioner kroner<span class=\"_ _1\"></span>.<span class=\"_ _2cc\"> </span></div><table class=\"s wb08 hae\" id=\"_2b55c08f-972f-4985-8991-22ea1d8fa619\"><tr><td class=\"c n x151b y1324 w2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">MORBANK<span class=\"_ _2cc\"> </span></div></td><td></td><td></td><td class=\"c n x151c y1324 w3 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls8 ws8\">KONSERN<span class=\"_ _2cc\"> </span></div></td><td></td></tr><tr><td class=\"c n x116 y1325 w9a2 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x151d y1325 w25f h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.12.2025</div></td><td class=\"c n x151e y1325 wb09 h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">Balansen<span class=\"_ _2cc\"> </span></div></td><td class=\"c n x151f y1325 w9be h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _1\"></span>12.2025</div></td><td class=\"c n x1305 y1325 w42c h24\"><div class=\"t m0 x113 hb ye6a ff2 fs7 fc3 sc0 ls0 ws0\">31.<span class=\"_ _0\"></span>12.2024</div></td></tr><tr><td class=\"c n x1520 y12fd w449 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1521 y12fd w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1522 y12fd wb0a h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Leieforpliktelser</div></td><td class=\"c n x1523 y12fd w3f0 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>24<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1524 y12fd w42e h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>23<span class=\"_ gs33c\"> </span></div></td></tr><tr><td class=\"c n x1520 ye84 w449 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>2<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1521 ye84 w44d h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1522 ye84 wb0b h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\">Bruksrett</div></td><td class=\"c n x1525 ye84 w132 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16<span class=\"_ gs33c\"> </span></div></td><td class=\"c n x1526 ye84 w132 h23\"><div class=\"t m0 x113 ha ye6d ff4 fs7 fc3 sc0 ls0 ws0\"><span class=\"_ gs33c\"> </span>16<span class=\"_ gs33c\"> </span></div></td></tr></table>MORBANK<span class=\"_ _72\"> </span><span class=\"ls0 ws0\"><span class=\"_ gs4e9\"> </span><span class=\"_ _186\"> </span></span>KONSERN<span class=\"_ _2cc\"> </span>31.<span class=\"_ _1\"></span>12.2024<span class=\"_ _2cc\"> </span>31.12.2025<span class=\"_ _2cc\"> </span>Resultatregnskap<span class=\"_ _2cc\"> </span>31.<span class=\"_ _0\"></span>12.2025<span class=\"_ _2cc\"> </span>31.<span class=\"_ _0\"></span>12.2024<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span>Avskrivninger<span class=\"_ gs33c\"> </span>5<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>4<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>0<span class=\"_ gs33c\"> </span>Renter<span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33c\"> </span>1<span class=\"_ gs33c\"> </span><span class=\"_ gs33e\"> </span>1<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>2<span class=\"_ gs33e\"> </span>Sum<span class=\"_ gs33e\"> </span>6<span class=\"_ gs33e\"> </span><span class=\"_ gs33e\"> </span>5",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fact-662": {
   "value": "<div class=\"t m0 he ff2 fs9 fc0 sc0 ls0 ws0 gs624\">Note 41 \u2013 Hendelser etter balansedagen<span class=\"_ _2cc\"> </span></div><div class=\"t m0 h5 ff4 fs3 fc3 sc0 ls0 ws0 gs781\">Det har ikke inntruff<span class=\"_ _0\"></span>et vesentlige hendelser etter balansedagen som p\u00e5virker k<span class=\"_ _0\"></span>onsernets regnskap.  <span class=\"_ _2c8\"> </span> <span class=\"_ _d9\"> </span> </div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "no",
    "entity": "scheme:5967007LIEEXZX73ZK25",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  }
 }
}