Financial and Mortgage Portfolio Overview
Diversified funding base
Deposits are the largest source of funding
Liabilities & Equity, ISKm
30.6.22
31.3.22
A
A%
31.12.21
A
A%
Deposits from Central Bank and credit institutions
11,437
10,949
488
4%
13,384
(1,947)
(15%)
Deposits from customers
756,862
761,471
(4,609)
(1%)
744,036
12,826
2%
Derivative instruments and short positions
11,410
11,013
397
4%
9,467
1,943
21%
Debt issued and other borrowed funds
393,754
406,845
(13,091)
(3%)
402,226
(8,472)
(2%)
Subordinated loans
32,181
34,139
(1,958)
(6%)
35,762
(3,581)
(10%)
Tax liabilities
8,498
6,980
1,518
22%
6,432
2,066
32%
Other liabilities
18,498
16,802
1,696
10%
12,848
5,650
44%
Non-current liabilities and disposal groups held for sale
951
955
(4)
(0%)
956
(5)
(1%)
Total Liabilities
1,233,591
1,249,154
(15,563)
(1%)
Total Equity
203,662
Total Liabilities and Equity
1,437,253
197,201
1,446,355
6,461
3%
(9,102)
(1%)
1,225,111
203,710
1,428,821
8,480
1%
(48)
8,432
(0%)
1%
Key ratios
Customer loans to customer deposits ratio
152%
145%
146%
REA/total assets
69.1%
65.4%
63.1%
Net stable funding ratio (NSFR)
118%
123%
122%
Liquidity coverage ratio (LCR)
147%
195%
156%
Total capital ratio 1
Tier 1 capital ratio 1
21.5%
22.5%
25.3%
19.2%
19.9%
22.5%
Leverage ratio¹
12.5%
12.4%
13.6%
1. Including first quarter profit for 31.3.22.
36
August-September 2022View entire presentation