| Parent bank |
|
Group |
| 2011 |
2012 |
|
2012 |
2011 |
| |
|
Total defaults |
|
|
| 272 |
298 |
Loans in default for more than 90 days *) |
374 |
338 |
| 73 |
72 |
- Individual write-downs |
83 |
89 |
| 199 |
226 |
Net defaults |
291 |
249 |
| 27 % |
24 % |
Provision rate |
22 % |
26 % |
| |
|
Problem Loans |
|
|
| 191 |
119 |
Problem loans (not in default) |
143 |
204 |
| 77 |
57 |
- Individual write-downs |
62 |
83 |
| 113 |
63 |
Net problem loans |
81 |
121 |
| 41 % |
48 % |
Provision rate |
43 % |
41 % |
| *)Per Q4 there is no defaults that relates to loans in the guarantee portfolio taken over from BN Bank ASA. Defaults in this portfolio will not entail loss for SpareBank 1 SMN. |
