| Parent bank |
|
Group |
| 31 Dec 2014 |
30 June 2014 |
30 June 2015 |
(NOKm) |
30 June 2015 |
30 June 2014 |
31 Dec 2014 |
| |
|
|
Total defaults |
|
|
|
| 224 |
274 |
244 |
Loans in default for more than 90 days *) |
287 |
334 |
270 |
| 63 |
79 |
51 |
- individual write-downs |
58 |
86 |
67 |
| 162 |
195 |
193 |
Net defaults |
230 |
248 |
202 |
| 28 % |
29 % |
21 % |
Provision rate |
20 % |
26 % |
25 % |
| |
|
|
Problem Loans |
|
|
|
| 208 |
189 |
361 |
Problem loans (not in default) |
368 |
206 |
216 |
| 101 |
84 |
107 |
- individual write-downs |
110 |
90 |
105 |
| 107 |
105 |
253 |
Net problem loans |
258 |
116 |
112 |
| 49 % |
44 % |
30 % |
Provision rate |
30 % |
44 % |
48 % |
| *) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per Q2 |
| Any default in this portfolio will not entail loss for SpareBank 1 SMN |
