![](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABKgAAAaVCAIAAACQxGAoAAAACXBIWXMAABYlAAAWJQFJUiTwAAAgAElEQVR42uzawQkAIBADQSP233JsQ86ZDgz3WTBtFwAAAHNtEwAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAEH4AAAAIPwAAAB52Pn9/EkcAAACztf09fEwAAAAwm6+eAAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwMwEAAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOFnAgAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAIQfAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAADCDwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAABA+AEAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAws8EAAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAACD8AAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/AAAABB+AAAAwg8AAADhBwAAgPADAABA+AEAACD8AAAAEH4AAAAIPwAAAOEHAACA8AMAAED4AQAAIPwAAAAQfgAAAAg/AAAAhB8AAIDwAwAAQPgBAAAg/AAAABB+AAAACD8AAACEHwAAAMIPAAAA4QcAACD8AAAAEH4AAAAIPwAAAIQfAAAAwg8AAADhBwAAgPADAAAQfgAAAAg/AAAAhB8AAADCDwAAAOEHAACA8AMAAED4AQAAIPwAAACEHwAAAMIPAAAA4QcAAIDwAwAAQPgBAAAg/A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1. – 3. kvartal 2022
lsesberetning
Kvartalsudvikling
Nettorente- og gebyrindtægterne udgjorde i 1. kvartal t.kr.
85.747, i 2. kvartal t.kr. 82.061 og t.kr. 87.370 i 3. kvartal. Afvi-
gelsen mellem 1. og 2. kvartal skyldes primært, at der periodisk
er højere gebyr- og provisionsindtægter i 1. kvartal sammenlig-
net med 2. kvartal. I 3. kvartal er de føromtalte rentestigninger
årsagen til den positive udvikling på både bankens likviditetspla-
ceringer og obligationsrenter.
De samlede omkostninger udgør i 1. kvartal t.kr. 49.197 og i 2.
kvartal 48.572 t.kr. I 3. kvartal udgør posten t.kr. 48.059. Perso-
naleudgifter er faldet i 2. kvartal, idet der i 1. kvartal afholdes fe-
rietillæg mm., som ikke afholdes i de efterfølgende kvartaler. I 3.
kvartal er medarbejderstaben lavere end i de forrige kvartaler.
Øvrige administrationsomkostninger er på samme niveau i 1.
kvartal og 2. kvartal mens de er faldet i 3. kvartal.
Resultat før kursregulering og nedskrivninger udgør i 2. kvartal
t.kr. 34.903, hvilket er t.kr. 3.282 lavere end i 1. kvartal 2022.
Fra 2. til 3. kvartal er resultatet før kursregulering og nedskriv-
ninger steget med t.kr. 5.922 til t.kr. 40.825. Resultatet før skat
udgjorde i første kvartal t.kr. 26.800, i 2. kvartal t.kr. 18.981 og i
3. kvartal t.kr. 19.420.
Udlånet steg i 1. kvartal med t.kr. 121.143 og i 2. kvartal med
t.kr. 104.717. I 3. kvartal er udlånet steget med t.kr. 91.530 hvil-
ket samlet svarer til en stigning i forhold til ultimo 2021 på
8,4%. Det var ved årets indgang forventningen, at den gunstige
økonomiske udvikling i Grønland ville medføre højere udlån i
banken.
Indlånet steg i 1. kvartal 2021 med t.kr. 178.401 og steg i 2.
kvartal med 131.052 t.kr. I 3. kvartal steg indlånet med t.kr.
113.668 t.kr. Samlet udgør indlånsstigningen i forhold til ultimo
2021 således t.kr. 423.121.
Balance og egenkapital
Bankens udlån er i de første 3 kvartaler steget tilfredsstillende
med t.kr. 317.390 til t.kr. 4.101.071, mens bankens garantistillel-
ser overfor kunder er steget med t.kr. 262.632 i forhold til ul-
timo 2021 og udgør ultimo september 2022 t.kr. 2.044.097.
Bankens har reduceret sin beholdning af børsnoterede aktier og
foreninger i løbet af 2022 og ved kvartalets udgang udgør aktier
i alt t.kr. 118.444 hovedsageligt bestående af sektoraktier.
Andre aktiver udgør t.kr. 118.361 og er steget med t.kr. 24.563
siden udgangen af 2021. Det skyldes primært regulering af ban-
kens kapitalindskud i BEC.
Bankens indlån, hvoraf den altovervejende del er anfordrings-
midler, udgør ved udgangen af september 2022 t.kr. 5.786.992,
hvilket er en stigning i forhold til udgangen af 2021 på 7,9%.
Bankens egenkapital er efter udbetaling af det på generalfor-
samlingen for 2021 vedtagne udbytte på t.kr. 72.000 reduceret
fra t.kr. 1.267.911 til t.kr. 1.264.404.
Den samlede balance er herefter forøget med t.kr. 525.324 til
t.kr. 7.752.312.
Usikkerhed ved indregning og måling
De væsentligste usikkerheder ved indregning og måling knytter
sig til nedskrivninger på udlån, hensættelser på garantier og uud-
nyttede kreditfaciliteter samt værdiansættelse af ejendomme,
unoterede papirer, samt finansielle instrumenter. Ledelsen vur-
derer, at usikkerheden ved regnskabsaflæggelsen er på et ni-
veau, der er forsvarligt.
Finansielle risici
GrønlandsBANKEN er eksponeret over for forskellige finan-
sielle risici, som styres på forskellige niveauer i organisationen.
Bankens finansielle risici udgøres af:
Kreditrisiko: Risiko for tab som følge af, at debitorer eller mod-
parter misligholder indgåede betalingsforpligtelser.
Markedsrisiko: Risiko for tab som følge af, at dagsværdien af fi-
nansielle instrumenter og afledte finansielle instrumenter fluktu-
erer ved ændringer i markedspriser. GrønlandsBANKEN hen-
regner tre typer risici til markedsrisikoområdet: renterisiko, va-
lutarisiko og aktierisiko.
Likviditetsrisiko: Risiko for tab som følge af, at finansieringsom-
kostningerne stiger uforholdsmæssigt meget, risikoen for at ban-
ken forhindres i at opretholde den vedtagne forretningsmodel,
som følge af manglende finansiering/funding eller ultimativt risi-
koen for, at banken ikke kan honorere indgåede betalingsfor-
pligtelser ved forfald som følge af manglende finansiering/fun-
ding.
Operationel risiko: Risiko for at banken helt eller delvist må tage
økonomiske tab som følge af utilstrækkelig eller uhensigtsmæs-
sige interne procedurer, menneskelige fejl, IT-systemer mm.