Note 14 Capital adequacy CAPITAL Amounts in NOK million 31 Dec. 2021 31 Dec. 2020 Booked equity 1,964.1 2,303.6 Interim profits not included - - Additional Tier 1 capital -199.6 -244.6 Additions: Phase-in effect of IFRS 9 104.5 159.4 Deductions: Additional value adjustment (AVA) -0.9 -1.8 Other equity not included in core capital (Foreseeable dividends) - -78.5 Deferred tax assets and other intangible assets and deductions -226.9 -154.2 Common equity Tier 1 including phase-in effect of IFRS 9 1,641.2 1,983.9 Additional Tier 1 capital 199.6 244.6 Core capital including phase-in effect of IFRS 9 1,840.7 2,228.4 Subordinated loans (Tier 2) 65.0 65.0 Total capital including phase-in effect of IFRS 9 1,905.7 2,293.4 CAPITAL EXCLUDING PHASE-IN EFFECTS OF IFRS 9 Amounts in NOK million 31 Dec. 2021 31 Dec. 2020 Common equity Tier 1 excluding phase-in effect of IFRS 9 1,536.7 1,824.5 Core capital excluding phase-in effect of IFRS 9 1,736.3 2,069.0 Total capital excluding phase-in effect of IFRS 9 1,801.3 2,134.0 CALCULATION BASIS Amounts in NOK million 31 Dec. 2021 31 Dec. 2020 Loans and deposits with credit institutions 260.4 240.8 Loans to retail customers and phase-in effect IFRS 9 5 759.1 6 721.4 Covered bonds 39.9 92.8 Other assets 295.9 18.7 Calculation basis credit risk including phase-in effect of IFRS 9 6 355.4 7 073.7 Calculation basis operational risk (standardised approach) 1 576.2 1 653.7 Total calculation basis including phase-in effect of IFRS 9 7 931.5 8 727.3 Total calculation basis excluding phase-in effect of IFRS 9 7 853.2 8 578.9 68 Notes to the financial statements
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