Note 8 - Defaults
| Parent bank | Group | |||||
| 31 Dec 2014 | 31 Mar 2014 | 31 Mar 2015 | (NOKm) | 31 Mar 2015 | 31 Mar 2014 | 31 Dec 2014 |
| Total defaults | ||||||
| 224 | 205 | 224 | Loans in default for more than 90 days *) | 237 | 263 | 270 |
| 63 | 51 | 58 | - individual write-downs | 59 | 59 | 67 |
| 162 | 155 | 166 | Net defaults | 178 | 205 | 202 |
| 28 % | 25 % | 26 % | Provision rate | 25 % | 22 % | 25 % |
| Problem Loans | ||||||
| 208 | 213 | 225 | Problem loans (not in default) | 226 | 231 | 216 |
| 101 | 105 | 93 | - individual write-downs | 92 | 114 | 105 |
| 107 | 108 | 132 | Net problem loans | 134 | 117 | 112 |
| 49 % | 49 % | 41 % | Provision rate | 41 % | 49 % | 48 % |
| *) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per Q1 | ||||||
| Any default in this portfolio will not entail loss for SpareBank 1 SMN. | ||||||
