Note 14 Capital adequacy CAPITAL Amounts in NOK million 31 Dec 2022 31 Dec 2021 Capital Booked equity 1,953.3 1,964.1 Additional Tier 1 capital -199.6 -199.6 Additions: - - Phase-in effect of IFRS 9 150.3 104.5 Deductions: - - Additional value adjustment (AVA) -1.5 -0.9 Other equity not included in core capital (foreseeable dividends) -0.1 - Deferred tax assets and other intangible assets and deductions -123.2 -226.9 Common equity Tier 1 including phase-in effect of IFRS 9 1,779.3 1,641.2 Additional Tier 1 capital 199.6 199.6 Core capital including phase-in effect of IFRS 9 1,978.8 1,840.7 Subordinated loans (Tier 2) 65.0 65.0 Total capital including phase-in effect of IFRS 9 2,043.8 1,905.7 CAPITAL EXCLUDING PHASE-IN EFFECTS OF IFRS 9 Amounts in NOK million 31 Dec 2022 31 Dec 2021 Common equity Tier 1 excluding phase-in effect of IFRS 9 1,629.0 1,536.7 Core capital excluding phase-in effect of IFRS 9 1,828.5 1,736.3 Total capital excluding phase-in effect of IFRS 9 1,893.5 1,801.3 CALCULATION BASIS Amounts in NOK million 31 Dec 2022 31 Dec 2021 Loans and deposits with credit institutions 161.6 260.4 Loans to retail customers and phase-in effect IFRS 9 7,018.3 5,759.1 Covered bonds 70.0 39.9 Other assets 32.8 295.9 Calculation basis credit risk including phase-in effect of IFRS 9 7,282.7 6,355.4 Calculation basis operational risk (standardised approach) 1,388.9 1,576.2 Total calculation basis including phase-in effect of IFRS 9 8,671.5 7,931.5 Total calculation basis excluding phase-in effect of IFRS 9 8,544.9 7,853.2 Komplett Bank / Annual Report 2022 69
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