Note 17 – Maturity analysis
For additional information see Note 33 ”Risk management”.
Remaining contractual maturity (undiscounted value) and anticipated date of recovery, SEK m
| Group 31 dec 2021 | ||||||||
| Payable on demand | <3 months | 3-12 months | 1-5 years | >5 years | No fixed maturity | Total | Of which anticipated recovery date >12 months | |
| Assets | ||||||||
| Treasury bills and Treasury bonds | - | 506 | 701 | 369 | - | - | 1,576 | 369 |
| Lending to credit institutions | 2,349 | 130 | - | - | - | - | 2,479 | - |
| Swedish banks | 318 | - | - | - | - | - | 318 | - |
| foreign banks | 2,013 | 130 | - | - | - | - | 2,161 | - |
| Lending to the public | - | 46 | 69 | 400 | 524 | - | 1,039 | 924 |
| Bonds and other securities | - | 126 | 101 | 3,275 | - | - | 3,502 | 3,275 |
| Total assets with fixed/contractual maturities | 2,349 | 808 | 871 | 4,044 | 524 | - | 8,596 | 4,568 |
| Acquired loan portfolios 1) | - | 1,644 | 4,834 | 16,468 | 9,626 | - | 32,572 | 26,094 |
| Total assets with no fixed/ anticipated maturities | - | 1,644 | 4,834 | 16,468 | 9,626 | - | 32,572 | 26,094 |
| Liabilities | ||||||||
| Deposits from the public 2) | ||||||||
| retail | 6,975 | 1,199 | 3,475 | 6,497 | - | - | 18,146 | 6,497 |
| corporate | 23 | - | - | - | - | - | 23 | - |
| Total deposits from the public | 6,998 | 1,119 | 3,475 | 6,497 | - | - | 18,169 | 6,497 |
| Lease liabilities | - | - | 49 | 96 | 15 | - | 160 | 111 |
| Debt securities issued 3) | - | 24 | 204 | 5,398 | 124 | - | 5,750 | 5,522 |
| Subordinated debt | - | - | 850 | - | - | - | 850 | - |
| Total liabilities with fixed/contractual maturities | 6,998 | 1,223 | 4,578 | 11,992 | 139 | - | 24,929 | 12,130 |
1) Maturity analysis for acquired loan portfolios is based on future cash flow forecast horizon of 180 months. See Note 33 “Risk management” for additional details on the Group’s management of credit risk.
2) Deposits in SEK and EUR are payable on demand, although a fee is assessed for premature withdrawals from fixed-term deposits.
3) The nominal value is SEK 2,557m for unsecured debt maturing in 2023 and SEK 2,045m for unsecured debt maturing in 2024 as per 31 December 2021. The nominal value is SEK SEK 2,509m for unsecured debt maturing in 2023 and SEK 2,008m for unsecured debt maturing in 2024 as per 31 December 2020. See Note 28 “Funding” for additional information.
Remaining contractual maturity (undiscounted value) and anticipated date of recovery, SEK m
| Group 31 Dec 2020 | ||||||||
| Payable on demand | <3 months | 3-12 months | 1-5 years | >5 years | No fixed maturity | Total | Of which anticipated recovery date >12 months | |
| Assets | ||||||||
| Treasury bills and Treasury bonds | - | 1,441 | 703 | 267 | - | - | 2,411 | 267 |
| Lending to credit institutions | 2,419 | 107 | - | - | - | - | 2,526 | - |
| Swedish banks | 643 | - | - | - | - | - | 643 | - |
| foreign banks | 1,776 | 107 | - | - | - | - | 1,883 | - |
| Lending to the public | - | 48 | 73 | 424 | 643 | - | 1,188 | 1,067 |
| Bonds and other securities | - | - | 578 | 3,504 | - | - | 4,082 | 3,504 |
| Total assets with fixed/contractual maturities | 2,419 | 1,596 | 1,354 | 4,195 | 643 | - | 10,207 | 4,838 |
| Acquired loan portfolios 1) | - | 1,425 | 4,784 | 16,603 | 9,951 | - | 32,763 | 26,554 |
| Total assets with no fixed/ anticipated maturities | - | 1,425 | 4,784 | 16,603 | 9,951 | - | 32,763 | 26,554 |
| Liabilities | ||||||||
| Deposit from public 2) | ||||||||
| retail | 5,375 | 2,226 | 2,827 | 7,453 | - | - | 17,881 | 7,453 |
| corporate | 47 | - | - | - | - | - | 47 | - |
| Total deposits from the public | 5,422 | 2,226 | 2,827 | 7,453 | - | - | 17,928 | 7,453 |
| Lease liabilities | - | 13 | 36 | 138 | 38 | - | 225 | 176 |
| Debt securities issued 3) | - | 21 | 1,697 | 5,377 | 100 | - | 7,195 | 5,477 |
| Subordinated debt | - | - | 31 | 834 | - | - | 865 | 834 |
| Total liabilities with fixed/contractual maturities | 5,422 | 2,260 | 4,591 | 13,802 | 138 | - | 26,213 | 13,940 |
Remaining contractual maturity (undiscounted value) and anticipated date of recovery, SEK m
| Parent Company, 31 dec 2021 | ||||||||
| Payable on demand | <3 months | 3-12 months | 1-5 years | >5 years | No fixed maturity | Total | Of which anticipated recovery date >12 months | |
| Assets | ||||||||
| Treasury bills and Treasury bonds | - | 506 | 701 | 369 | - | - | 1,576 | 369 |
| Lending to credit institutions | 1,467 | - | - | - | - | - | 1,467 | - |
| Swedish banks | 318 | - | - | - | - | - | 318 | - |
| foreign banks | 1,149 | - | - | - | - | - | 1,149 | - |
| Lending to the public | - | 23 | 28 | 153 | 175 | - | 379 | 328 |
| Receivables, Group companies | - | 140 | 2,695 | 6,912 | - | 3,932 | 13,679 | 10,844 |
| Bonds and other securities | - | 126 | 101 | 3,275 | - | - | 3,502 | 3,275 |
| Total assets with fixed/contractual maturities | 1,467 | 795 | 3,525 | 10,709 | 175 | 3,932 | 20,603 | 14,816 |
| Acquired loan portfolios 1) | - | 595 | 1,532 | 4,907 | 2,378 | - | 9,412 | 7,285 |
| Total assets with no fixed/ anticipated maturities | - | 595 | 1,532 | 4,907 | 2,378 | 3,932 | 13,344 | 7,285 |
| Liabilities | ||||||||
| Deposit from public 2) | ||||||||
| retail | 6,975 | 1,199 | 3,475 | 6,497 | - | - | 18,146 | 6,497 |
| corporate | 23 | - | - | - | - | - | 23 | - |
| Total deposits from the public | 6,998 | 1,199 | 3,475 | 6,497 | - | - | 18,169 | 6,497 |
| Lease liabilities | 474 | 50 | - | - | - | - | 524 | - |
| Debt securities issued 3) | - | - | 139 | 4,810 | - | - | 4,949 | 4,810 |
| Subordinated debt | - | - | 850 | - | - | - | 850 | - |
| Total liabilities with fixed/contractual maturities | 7,472 | 1,249 | 4,464 | 11,307 | - | - | 24,492 | 11,307 |
1) Maturity analysis for acquired loan portfolios is based on future cash flow forecast horizon of 180 months. See Note 33 “Risk management” for additional details on the Group’s management of credit risk.
2) Deposits in SEK and EUR are payable on demand, although a fee is assessed for premature withdrawals from fixed-term deposits.
3) The nominal value is SEK 2,557m for unsecured debt maturing in 2023 and SEK 2,045m for unsecured debt maturing in 2024 as per 31 December 2021. The nominal value is SEK SEK 2,509m for unsecured debt maturing in 2023 and SEK 2,008m for unsecured debt maturing in 2024 as per 31 December 2020. See Note 28 “Funding” for additional information.
Remaining contractual maturity (undiscounted value) and anticipated date of recovery, SEK m
| Parent Company 31 dec 2020 | ||||||||
| Payable on demand | <3 months | 3-12 months | 1-5 years | >5 years | No fixed maturity | Total | Of which anticipated recovery date >12 months | |
| Assets | ||||||||
| Treasury bills and Treasury bonds | - | 1,441 | 703 | 267 | - | - | 2,411 | 267 |
| Lending to credit institutions | 1,611 | - | - | - | - | - | 1,611 | - |
| Swedish banks | 643 | - | - | - | - | - | 643 | - |
| foreign banks | 968 | - | - | - | - | - | 968 | - |
| Lending to the public | - | 23 | 29 | 159 | 225 | - | 436 | 384 |
| Receivables, Group companies | - | 336 | 501 | 11,037 | - | 3,864 | 15,738 | 14,901 |
| Bonds and other securities | - | - | 578 | 3,504 | - | - | 4,082 | 3,504 |
| Total assets with fixed/contractual maturities | 1,611 | 1,800 | 1,811 | 14,967 | 225 | 3,864 | 24,278 | 19,056 |
| Acquired loan portfolios 1) | - | 517 | 1,564 | 5,422 | 2,905 | - | 10,408 | 8,327 |
| Total assets with no fixed/ anticipated maturities | - | 517 | 1,564 | 5,422 | 2,905 | - | 10,408 | 8,327 |
| Liabilities | ||||||||
| Deposit from public 2) | ||||||||
| retail | 5,375 | 2,226 | 2,827 | 7,453 | - | - | 17,881 | 7,453 |
| corporate | 47 | - | - | - | - | - | 47 | - |
| Total deposits from the public | 5,422 | 2,226 | 2,827 | 7,453 | - | - | 17,928 | 7,453 |
| Liabilities, Group companies | 445 | 48 | - | - | - | - | 493 | - |
| Debt securities issued 3) | - | - | 1,638 | 4,858 | - | - | 6,496 | 4,858 |
| Subordinated debt | - | - | 31 | 834 | - | - | 865 | 834 |
| Total liabilities with fixed/contractual maturities | 5,867 | 2,274 | 4,496 | 13,145 | - | - | 25,782 | 13,145 |