Note 8 - Defaults and problem loans

Parent Bank
	30 June 2017			30 June 2016			2015
Total defaults (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Loans in default for more than 90 days *)	137	59	196	172	24	196	144	29	173
- Individual write-downs	13	35	48	15	12	26	17	18	36
Net defaults	124	24	148	158	12	169	127	11	138
Provison rate	9 %	59 %	25 %	8 %	51 %	14 %	12 %	62 %	21 %
Problem loans
Problem loans (not in default)	23	1,110	1,133	28	1,163	1,190	19	1,435	1,453
- Individual write-downs	7	555	562	9	369	378	6	584	590
Net problem loans	16	555	571	19	793	812	13	851	863
Provison rate	31 %	50 %	50 %	32 %	32 %	32 %	33 %	41 %	41 %
*) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per second quarter

Group
	30 June 2017			30 June 2016			31 Dec 2016
Total defaults (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Loans in default for more than 90 days *)	173	85	258	219	36	255	176	38	214
- Individual write-downs	16	39	55	18	13	31	20	19	39
Net defaults	157	46	203	201	23	223	156	18	174
Provison rate	9 %	46 %	21 %	8 %	36 %	12 %	12 %	51 %	18 %
Problem loans
Problem loans (not in default)	23	1,128	1,151	28	1,171	1,198	19	1,455	1,474
- Individual write-downs	7	563	570	9	375	384	6	592	599
Net problem loans	16	565	581	19	796	815	13	863	875
Provison rate	31 %	50 %	50 %	32 %	32 %	32 %	33 %	41 %	41 %
*) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per second quarter