| Parent bank |
|
Group |
| 2011 |
30 Sept 2011 |
30 Sept 2012 |
|
30 Sept 2012 |
30 Sept 2011 |
2011 |
| |
|
|
Total defaults |
|
|
|
| 272 |
248 |
351 |
Loans in default for more than 90 days *) |
398 |
332 |
338 |
| 73 |
60 |
80 |
- Individual write-downs |
86 |
79 |
89 |
| 199 |
188 |
271 |
Net defaults |
312 |
253 |
249 |
| 27 % |
24 % |
23 % |
Provision rate |
22 % |
24 % |
26 % |
| |
|
|
Problem Loans |
|
|
|
| 191 |
216 |
136 |
Problem loans (not in default) |
163 |
223 |
204 |
| 77 |
75 |
57 |
- Individual write-downs |
62 |
81 |
83 |
| 113 |
140 |
78 |
Net problem loans |
101 |
142 |
121 |
| 41 % |
35 % |
42 % |
Provision rate |
38 % |
36 % |
41 % |
| *) Of which NOK 61 million relates to loans in the guarantee portfolio taken over from BN Bank ASA. These will not entail loss for SpareBank 1 SMN. |
