Note 7 - Losses

Parent bank   Group
2011 30 June 2011 30 June 2012   30 June 2012 30 June 2011 2011
186 186 151 Individual write-downs to cover loss on loans at 01.01 172 222 222
9 8 25 +Increased write-downs on provisions previosly written down 25 8 10
26 20 6 - Reversal of provisions from previous periods 7 22 28
57 23 23 +Write-downs on provisions not previously written down 24 26 59
75 55 38 - Actual losses during the period for which  provisions for individual impairment losses have been made previously 49 57 91
151 141 155 Specification of loss provisions at end of period 166 177 172
85 63 48 Actual losses 60 71 117
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