Notes to the financial statements Note 1 Accounting principles 47 Note 2 Products and markets 54 Note 3 Loans to customers and impairments 55 Note 4 Income 59 Note 5 Operating expenses 60 Note 6 Share option programs 61 Note 7 Tax expenses 63 Note 8 Financial instruments 64 Note 9 Loans and deposits with credit institutions 65 Note 10 Certificates and bonds 65 Note 11 Fixed and intangible assets 66 Note 12 Lease agreements 67 Note 13 Other debt 68 Note 14 Capital adequacy 69 Note 15 Risk management 71 Note 16 Credit risk 72 Note 17 Liquidity and interest rate risk 74 Note 18 Earnings per share 77 Note 19 Shareholders 78 Note 20 Remuneration etc. 79 Note 21 Related parties 82 Note 22 Alternative performance measures 82 Note 23 Off-balance-sheet items 84 Note 24 Other significant events 85 Note 25 Subsequent events 85 46 Notes to the financial statements
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