AVAILABLE FACILITIES HOUSING URBAN DEVELOPMENT ABOUT US SEARCH SERVICE CENTER About us Investor Risks and risk management Financial risks Financial risks Risks Management and opportunity Credit risk Credit risk refers to the risk that our tenants will not be able to fulfill their payment obligations. Each property area continuously evaluates the ability of new and existing tenants to pay the agreed rent. The majority of retail tenants report their turnover monthly, which provides information about the companies' development. Missed rents are in many cases secured by deposits and bank guarantees. Through a large number of tenants in various industries, a good spread of risk is achieved. Currency risk Currency risk refers to the risk that our income will be lower or costs will be higher when agreements are written or loans are raised in a currency other than Swedish kronor. We finance ourselves to some extent through bonds in Norwegian kroner where the loan volume and coupon payments have been secured with a currency swap, which eliminates currency exposure. Only in exceptional cases are purchases made in foreign currency, which entails a low currency risk; in the case of larger purchases in foreign currency, it is considered to hedge futures to reduce the currency risk. Interest rates The main risks are fluctuations in earnings and cash flow due to changes in interest rates and changes in credit margins. In order to limit the risk of sharp fluctuations in interest costs, the interest maturity structure is distributed over different maturities through interest rate derivatives. Mortgages are spread over time to reduce the risk of market fluctuations. Read more on pages 34–37 in our annual report. Refinancing Refinansieringsrisker föreligger vid omförhandlingar av befintliga krediter och finansiering av kommande investeringar. För att begränsa refinansieringsrisken får maximalt 50 procent av finansieringen tillgodoses av en enskild långivare. Atrium Ljungberg har kreditavtal med åtta olika långivare i bank, direktfinansering och finansiering på kapitalmarknaden via certifikat- och MTN-program. Kreditlöften finns även för att täcka kortfristig refinanisering. Läs vidare om finansiering på sidorna 34–37 i årsredovisningen. AKTIEKURSEN ATRLJ B, 12/4/2021 , -1.64% 197,50 SEK Om aktien ANDRA RISKER Förvaltning och fastighetsbestånd Investeringar och förvärv Finansiella risker Medarbetare och leverantörer Miljö Omvärld Cyber risks CONTACT ME Contact me AVAILABLE FACILITIES Stockholm Gothenburg Malmö Uppsala Office knowledge WE ARE DEVELOPING THE CITY Urban development Housing sustainability Urban innovation ABOUT ATRIUM LJUNGBERG Investor Press Work with us Service center Contact © Atrium Ljungberg 2021 Handling of personal data