Note 6 - Losses on loans and guarantees

Parent Bank
	30 Jun 15			30 Jun 14			31 Dec 14
Losses on loans and guarantees (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Change in individual impairment losses provisions for the period	-2	-3	-5	-0	13	12	-4	18	14
+ Change in collective impairment losses provisions for the period	-	-	-	-	-	-	-	-	-
+ Actual loan losses on commitments for which provisions have been made	4	51	55	3	14	17	10	41	51
+ Actual loan losses on commitments for which no provision has been made	3	2	5	8	2	10	12	16	28
- Recoveries on commitments previously written-off	2	1	3	4	6	10	12	-2	10
Losses of the year on loans and guarantees	3	49	52	7	22	29	6	77	83

Group
	30 Jun 15			30 Jun 14			31 Dec 14
Losses on loans and guarantees (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Change in individual impairment losses provisions for the period	-2	-2	-4	-3	6	3	-9	8	-1
+ Change in collective impairment losses provisions for the period	1	-	1	-	-	-	-	-	-
+ Actual loan losses on commitments for which provisions have been made	5	52	57	6	17	23	14	51	66
+ Actual loan losses on commitments for which no provision has been made	5	3	9	10	7	17	15	20	35
- Recoveries on commitments previously written-off	3	3	6	5	6	11	13	-2	11
Losses of the year on loans and guarantees	6	50	56	8	24	32	8	81	89