Note 7 - Losses

Parent bank   Group
2011 30 Sept 2011 30 Sept 2012   30 Sept 2012 30 Sept 2011 2011
186 186 151 Individual write-downs to cover loss on loans at 01.01 173 222 222
9 7 8 +Increaseed write-downs on provisions previosly written down 8 8 10
26 26 7 - Reversal of provisions from previous periods 8 28 28
57 41 27 +Write-downs on provisions not previosly written down 29 44 59
75 74 42 - Actual losses during the period for which  provisions for individual impairment losses have been made previously 54 87 91
151 135 137 Specification of loss provisions at end of period 148 159 172
85 77 76 Actual losses 91 101 117
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