Note 8 - Defaults and problem loans

 

Parent Bank  
  31 Dec 2017 31 Dec 2016
Total defaults (NOKm) RM CM Total RM CM Total
Loans in default for more than 90 days  170 50 220 144 29 173
- Individual write-downs 12 39 50 17 18 36
Net defaults 159 11 170 127 11 138
Provison rate 7 % 77 % 23 % 12 % 62 % 21 %
Problem loans            
Problem loans (not in default) 21 1,146 1,167 19 1,435 1,453
- Individual write-downs 6 699 705 6 584 590
Net problem loans 15 448 462 13 851 863
Provison rate 29 % 61 % 60 % 33 % 41 % 41 %

 

 

 

Group            
  31 Dec 2017   31 Dec 2016  
Total defaults (NOKm) RM CM Total RM CM Total
Loans in default for more than 90 days  209 75 284 176 38 214
- Individual write-downs 14 42 55 20 19 39
Net defaults 195 33 229 156 18 174
Provison rate 7 % 55 % 20 % 12 % 51 % 18 %
Problem loans            
Problem loans (not in default) 21 1,164 1,184 19 1,455 1,474
- Individual write-downs 6 708 714 6 592 599
Net problem loans 15 456 470 13 863 875
Provison rate 29 % 61 % 60 % 33 % 41 % 41 %
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