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Annual Report 2009 Dnb Nor Bank Asa

Annual Report 2009 Dnb Nor Bank Asa

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Published by Frode Haukenes

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Published by: Frode Haukenes on Mar 27, 2010
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10/25/2011

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DnB NOR BANK ASAANNUAL REPORT
2009
 
 
 
 DnB NOR Bank Group annual report 2009
 
1 
Contents
Important events in 2009
...............................2
 Directors' report
........................................................3
Annual accounts
.......................................................12Income statement ....................................................................12Balance sheet ...........................................................................13Statement of changes in equity ...................................................14Cash flow statement ..................................................................16Accounting principles .................................................................17
Notes to the accounts
Note 1 Important accounting estimates and discretionaryassessments ..............................................................26Note 2 Changes in group structure and operations andnon-current assets held for sale ...................................27Note 3 Segments ..................................................................28Note 4 Capitalisation policy and capital adequacy .....................32Note 5 Risk management ......................................................35
Credit risk
Note 6 Credit risk .................................................................37Note 7 Commitments for principal sectors ...............................40Note 8 Commitments according to geographical location ...........42Note 9 Impaired commitments for principal sectors ..................46Note 10 Write-downs on loans and guarantees ...........................47Note 11 Write-downs on loans and guarantees for principalsectors ......................................................................48Note 12 Developments in write-downs on loans and guarantees ...49
Market risk
Note 13 Sensitivity analysis market risk .................................50Note 14 Interest rate sensitivity ...............................................51Note 15 Currency positions ......................................................51Note 16 Financial derivatives ...................................................52
Liquidity risk
 Note 17 Liquidity risk ..............................................................56
Income statements
Note 18 Net interest income ....................................................58Note 19 Interest rates on selected balance sheet items ...............59Note 20 Net other operating income .........................................60Note 21 Net gains on financial instruments at fair value ..............61Note 22 Operating expenses ....................................................62Note 23 Pensions ...................................................................63Note 24 Number of employees/full-time positions .......................66Note 25 Taxes .......................................................................67
Balance sheet
Note 26 Classification of financial instruments ...........................69Note 27 Fair value of financial instruments at amortised cost .......71Note 28 Financial instruments at fair value ................................73Note 29 Shareholdings ............................................................77Note 30 Commercial paper and bonds, held to maturity ..............78Note 31 Investment properties ................................................80Note 32 Investments in associated companies............................80Note 33 Investments in subsidiaries .........................................81Note 34 Intangible assets ........................................................82Note 35 Goodwill and intangible assets withan indefinite useful life ................................................83Note 36 Fixed assets...............................................................86Note 37 Leasing .....................................................................88Note 38 Other assets ..............................................................89Note 39 Deposits from customers for principal sectors ................90Note 40 Debt securities issued .................................................91Note 41 Subordinated loan capital and perpetual subordinatedloan capital securities .................................................93Note 42 Provisions .................................................................95Note 43 Other liabilities ..........................................................95
Additional information
Note 44 Remunerations etc. ....................................................96Note 45 Information on related parties ...................................100Note 46 Off-balance sheet transactions, contingencies andpost-balance sheet events .........................................103Signatures of the board members .............................................104Statement pursuant to the Securities Trading Act ........................105
Auditor's report
......................................................106
Control Committee's report
...........................107
Key figures
.................................................................108
 
Contact information
.............................................109
Governing bodies
...................................................111

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