Type;"Valuation technique";"Significant, non-observable input factors";"Relationship between significant, non-observable input factors and measurement at fair value" "Receivables from banking business – clients with agreed maturity";"The valuation model takes into account the present value of the anticipated future cash inflows/outflows throughout the remaining term, which are discounted using a risk-free discount rate. The discount rate is based on the current yield curve. Credit and default risks, administration costs and expected return on equity are taken into account when determining future cash flows.";"Adjustment of cash flows by: credit and counterparty default risks administration costsexpected return on equity ";"The estimated fair value would increase (decrease) if: the credit and default risk were to rise (fall)the admin costs were to fall (rise)the expected return on equity were to fall (rise)." ;;;