Note 7 - Losses

Parent Bank                  
  30 Sept 15 30 Sept 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 6 51 57 9 18 27 10 41 51
- Reversal of provisions from previous periods 2 29 31 2 12 15 6 13 19
+ Increased write-downs on provisions previously written down 1 4 5 2 3 5 1 0 2
+ Write-downs on provisions not previously written down 8 94 102 9 48 57 11 72 83
Specification of loss provisions at end of period 25 157 182 28 142 170 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 Sept 15 30 Sept 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 - 30 30  -  - -  -  - -
Collective write-downs to cover loss on loans and guarantees 90 218 308 90 188 278 90 188 278

 

Group                  
  30 Sept 15 30 Sept 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 7 53 60 12 22 34 14 51 66
- Reversal of provisions from previous periods 3 29 32 4 19 23 7 15 22
+ Increased write-downs on provisions previously written down 1 4 5 2 4 6 1 1 2
+ Write-downs on provisions not previously written down 10 96 106 9 50 59 11 73 84
Specification of loss provisions at end of period 28 163 191 32 150 182 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 Sept 15 30 Sept 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 30 31  -  - -  -  - -
Collective write-downs to cover loss on loans and guarantees  95 231 326 94 201 295 94 201 295
 
© SpareBank 1 SMN