This Supplementary Regulatory Capital and Pillar 3 Disclosure document is unaudited and should be read in conjunction with the 2022 Annual Report. All amounts are in. | May 31, 2023
38 775 122 Sbanken ASA uses the standardised approach (changed from basic method in Q4 19) to establish the risk- weighted volume for operational risk. Back to contents page Explanations of differences between accounting and regulatory exposure amounts The Bank solely engages in banking business (companies in the financial sector) and the Bank s wholly owned subsidiary, Sbanken Boligkreditt AS, is fully consolidated. There is therefore no difference between solvency and accounting consolidation. There are only minor differences between accounting and capital adequacy exposure. These are stated in Main sources of differences between regulatory exposure amounts and carrying values in financial statements (LI2) and Reconciliation of regulatory capital to balance sheet (CC2).