| Parent bank |
|
Group |
| 2012 |
30 Jun 2012 |
30 Jun 2013 |
|
30 Jun 2013 |
30 Jun 2012 |
2012 |
| |
|
|
Total defaults |
|
|
|
| 298 |
278 |
381 |
Loans in default for more than 90 days *) |
413 |
338 |
374 |
| 72 |
92 |
84 |
- individual write-downs |
89 |
99 |
83 |
| 226 |
186 |
297 |
Net defaults |
324 |
239 |
291 |
| 24 % |
33 % |
22 % |
Provision rate |
22 % |
29 % |
22 % |
| |
|
|
Problem Loans |
|
|
|
| 119 |
183 |
128 |
Problem loans (not in default) |
146 |
199 |
143 |
| 57 |
62 |
56 |
- individual write-downs |
64 |
67 |
62 |
| 63 |
121 |
72 |
Net problem loans |
82 |
132 |
81 |
| 48 % |
34 % |
44 % |
Provision rate |
44 % |
34 % |
43 % |
| *) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank ASA. |
| Any default in this portfolio will not entail loss for SpareBank 1 SMN. |
