INTEREST RATE RISK - SENSITIVITY OF 1% POINT CHANGE IN THE YIELD CURVE Amounts in NOK million 31 Dec 2022 31 Dec 2021 Loans and deposits with credit institutions 0.3 0.5 Loans to customers 15.2 12.3 Certificates and bonds 6.0 1.5 Other receivables - - Total assets 21.5 14.4 Deposits from customers -15.6 -13.2 Other debt - - Subordinated loans -0.1 -0.2 Total liabilities -15.7 -13.4 Total net interest rate risk 5.8 1.0 CURRENCY RISK - SENSITIVITY OF CHANGING EXCHANGE RATES END OF THE YEAR Amounts in NOK million 31 Dec 2022 31 Dec 2021 Effect in profit or loss by changing 1% 0.0 0.8 Effect in profit or loss by changing 2% 0.1 1.6 Effect in profit or loss by changing 5% 0.1 4.1 The Bank’s currency exposure amounted as at 31 December 2022 to EUR 0.7 million (31 December 2021: EUR 3.8 million) and SEK -11.2 million (31 December 2021: SEK 45.8 million). 76 Notes to the financial statements
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