4 Risk management

Risk management is identical for the parent company and the Group. For these reasons, please refer to Section 3 ‘Risk management’ and Section 4 ‘Methods used for identifying default risks and determining the need for value adjustments and provisions’, Section 5 ‘Valuation of collateral / criteria for determining market value and loan-to-value’ and Section 6 ‘Use of derivative financial instruments / hedge accounting’ of the consolidated financial statements.