Komplett Bank annual report 2019

Interest rate risk Different fixed-rate periods for assets and liabilities will lead to an interest rate risk for the Bank. A summary of the remaining period for agreed/probable interest rate adjustments for assets and liabilities is provided below: INTEREST RATE RISK AS AT 31.12.2019 NOK million 0 month < 3 months Without any interest term Total Assets Loans and deposits with credit institutions 614.7 - 614.7 Loans to customers 8,495.8 - 8,495.8 Certificates and bonds 1,329.8 - 1,329.8 Other assets without specified maturity term - 180.2 180.2 Total assets 10,440.2 180.2 10,620.4 Liabilities Subordinated loans 64.9 - 64.9 Deposits from and debt to customers 8,519.5 - 8,519.5 Other debt, not interest-bearing - 186.5 186.5 Total liabilities 8,584.4 186.5 8,770.9 INTEREST RATE RISK AS AT 31.12.2018 NOK million 0 month < 3 months Without any interest term Total Assets Loans and deposits with credit institutions 1,232.4 - 1,232.4 Loans to customers 7,844.3 - 7,844.3 Certificates and bonds 436.4 - 436.4 Other assets without specified maturity term - 147.6 147.6 Total assets 9,513.1 147.6 9,660.7 Liabilities Subordinated loans 64.7 - 64.7 Senior unsecured bond 399.8 - 399.8 Deposits from and debt to customers 7,365.6 - 7,365.6 Other debt, not interest-bearing - 210.8 210.8 Total liabilities 7,830.1 210.8 8,040.9 96 Notes to the financial statements