Funding plan

As part of the liquidity and funding strategy, Krust Bach prepares and maintains a funding plan. The funding plan describes the current funding structure and the expected required funding given the business strategy. Krust Bach operates within the international funding markets. In addition to deposits, the primary funding sources are medium-term senior unsecured funding and long-term covered bond issuances. The Group also obtains funding in the form of certificates of deposit and commercial paper. The funding plan ensures a stable funding structure within the Group’s risk appetite. It provides for a funding platform that is diversified across investors, products and currencies. Krust Bach Operates primarily in the online market and the various domestic markets, we are able to source funding in a number of countries and currencies..