The risk or threat of a liquidity mismatch, i.e., the mismatched maturity of assets and liabilities, can cause liquidity problems or a shortage in liquidity needed to settle due liabilities.

►Liquidity risk is offset against the volume of highly liquid securities and the regular monitoring of projected and actual cash flows from assets and liabilities. In order to obtain additional liquidity when needed, the Group makes use of a number of credit lines with domestic and foreign banks.