CAPITAL RATIOS INCLUDING PHASE-IN EFFECT OF IFRS 9 31 Dec 2022 31 Dec 2021 Common Equity Tier 1 (CET1) 20.5% 20.7% Core capital 22.8% 23.2% Total capital 23.6% 24.0% CAPITAL RATIOS EXCLUDING PHASE-IN EFFECT OF IFRS 9 31 Dec 2022 31 Dec 2021 Common Equity Tier 1 (CET1) 19.1% 19.6% Core capital 21.4% 22.1% Total capital 22.2% 22.9% As at 31 December 2022, the Bank had a Liquidity Coverage Ratio (LCR) of 451% (31 December 2021: 386%) and a Net Stable Funding Ratio (NSFR) of 127% (31 December 2021: 174%). The Bank’s internal objective is to have LCR og NSFR of minimum 125% and 115% respectively. The Bank’s leverage ratio as at 31 December 2022 was 14.9% (31 December 2020: 15.5%). The Bank’s regulatory Pillar 1 and Pillar 2 minimum in 2022 were capital adequancy 17.6% (2021: 17.1%), core capital 19.1% (2021: 18.6%) and total capital 21.1% (2021: 20.6%). These capital requirements includes a Pillar 2 requirement of 6.5 % (2021: 6.5 %) and a counter cyclic requirement of 1.1% (2021: 0.6%). The Bank’s regulatory minimum for leverage ratio equals 5% (2021: 5%). Komplett Bank has a capital adequacy objective of 22.1% (2021: 21.5%), including a Common Equity Tier 1 adequacy of 18.6% (2021: 18.0%) to provide leverage forthe Bank’s growth strategy. 70 Notes to the financial statements
RkJQdWJsaXNoZXIy NTYyMDE=