| Parent bank |
|
Group |
| 2011 |
30 June 2011 |
30 June 2012 |
|
30 June 2012 |
30 June 2011 |
2011 |
| |
|
|
Total defaults |
|
|
|
| 272 |
254 |
278 |
Loans in default for more than 90 days *) |
338 |
361 |
338 |
| 73 |
58 |
92 |
- Individual write-downs |
99 |
88 |
89 |
| 199 |
196 |
186 |
Net defaults |
239 |
273 |
249 |
| 27 % |
23 % |
33 % |
Provision rate |
29 % |
24 % |
26 % |
| |
|
|
Problem Loans |
|
|
|
| 191 |
161 |
183 |
Problem loans (not in default) |
199 |
178 |
204 |
| 77 |
84 |
62 |
- Individual write-downs |
67 |
90 |
83 |
| 113 |
77 |
121 |
Net problem loans |
132 |
88 |
121 |
| 41 % |
52 % |
34 % |
Provision rate |
34 % |
51 % |
41 % |
| *) Of which NOK 55 million relates to loans in the guarantee portfolio taken over from BN Bank ASA. These will not entail loss for SpareBank 1 SMN. |
