Notes to the financial statements Note 1 Accounting principles 47 Note 2 Segments 53 Note 3 Loans to customers and impairments 54 Note 4 Income 58 Note 5 Operating expenses 59 Note 6 Share option programs 60 Note 7 Tax expenses 62 Note 8 Financial instruments 63 Note 9 Loans and deposits with credit institutions 64 Note 10 Certificates and bonds 64 Note 11 Fixed and intangible assets 65 Note 12 Other debt 66 Note 13 Lease agreements 67 Note 14 Capital adequacy 68 Note 15 Risk management 70 Note 16 Credit risk 71 Note 17 Liquidity and interest rate risk 73 Note 18 Earnings per share 76 Note 19 Shareholders 77 Note 20 Remuneration etc. 78 Note 21 Related parties and other information 85 Note 22 Alternative performance measures 86 Note 23 Restated financial figures 88 Note 24 Off-balance-sheet items 88 Note 25 Subsequent events 88 46 Notes to the financial statements
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