| Parent bank |
|
Group |
| 31 Dec 2012 |
31 Dec 2013 |
(NOKm) |
31 Dec 2013 |
31 Dec 2012 |
| |
|
Total defaults |
|
|
| 298 |
311 |
Loans in default for more than 90 days *) |
386 |
374 |
| 72 |
73 |
- individual write-downs |
87 |
83 |
| 226 |
238 |
Net defaults |
299 |
291 |
| 24 % |
24 % |
Provision rate |
23 % |
22 % |
| |
|
Problem Loans |
|
|
| 119 |
146 |
Problem loans (not in default) |
157 |
143 |
| 57 |
76 |
- individual write-downs |
86 |
62 |
| 63 |
70 |
Net problem loans |
71 |
81 |
| 48 % |
52 % |
Provision rate |
55 % |
43 % |
| *) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per Q4. |
| Any default in this portfolio will not entail loss for SpareBank 1 SMN. |
