Note 7 - Losses

Parent Bank
	30 Jun 15			30 Jun 14			31 Dec 14
Individual write-downs (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Individual write-downs to cover loss on loans at 1.1*	25	139	164	28	122	150	28	122	150
- Actual losses during the period for which provisions for individual impairment losses have been made previously	4	51	55	3	14	17	10	41	51
- Reversal of provisions from previous periods	2	15	16	2	11	13	6	13	19
+ Increased write-downs on provisions previously written down	1	3	4	2	8	10	1	0	2
+ Write-downs on provisions not previously written down	3	58	62	4	29	33	11	72	83
Specification of loss provisions at end of period	23	136	159	28	134	162	25	139	164
*) Individually assessed impairment write-downs on guarantees, totalling NOK 1m, are shown in the balance sheet as a liability under 'Other liabilities'

	30 Jun 15			30 Jun 14			31 Dec 14
Collective write-downs (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Collective write-downs to cover loss on loans, guarantees at 01.01	90	188	278	90	188	278	90	188	278
Period's collective write-downs to cover loss on loans, guarantees etc	-	-	-	-	-	-	-	-	-
Collective write-downs to cover loss on loans and guarantees	90	188	278	90	188	278	90	188	278

Group
	30 Jun 15			30 Jun 14			31 Dec 14
Individual write-downs (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Individual write-downs to cover loss on loans at 1.1*	27	145	172	36	137	173	36	137	173
- Actual losses during the period for which provisions for individual impairment losses have been made previously	5	52	57	6	17	23	14	51	66
- Reversal of provisions from previous periods	2	15	17	3	15	18	7	15	22
+ Increased write-downs on provisions previously written down	1	3	4	2	9	10	1	1	2
+ Write-downs on provisions not previously written down	5	61	65	5	30	35	11	73	84
Specification of loss provisions at end of period	26	143	168	33	143	176	27	145	172
*) Individually assessed impairment write-downs on guarantees, totalling NOK 1m, are shown in the balance sheet as a liability under 'Other liabilities'

	30 Jun 15			30 Jun 14			31 Dec 14
Collective write-downs (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Collective write-downs to cover loss on loans, guarantees at 1.1	94	201	295	94	201	295	94	201	295
Period's collective write-downs to cover loss on loans, guarantees etc	1	-	1	-	-	-	-	-	-
Collective write-downs to cover loss on loans and guarantees	95	201	296	94	201	295	94	201	295