Note 7 - Losses
| Parent Bank | |||||||||
| 31 Mar 16 | 31 Mar 15 | 2015 | |||||||
| Individual write-downs (NOKm) | RM | CM | Total | RM | CM | Total | RM | CM | Total |
| Individual write-downs to cover loss on loans and guarantees at 1.1* | 28 | 148 | 176 | 25 | 140 | 165 | 25 | 140 | 165 |
| - Actual losses during the period for which provisions for individual impairment losses have been made previously | 4 | 0 | 4 | 1 | 32 | 33 | 7 | 58 | 65 |
| - Reversal of provisions from previous periods | 2 | 3 | 5 | 1 | 1 | 2 | 2 | 40 | 43 |
| + Increased write-downs on provisions previously written down | 7 | 4 | 11 | 1 | 4 | 4 | 1 | 21 | 22 |
| + Write-downs on provisions not previously written down | 4 | 8 | 12 | 2 | 15 | 17 | 12 | 85 | 96 |
| Individual write-downs to cover loss on loans and guarantees | 34 | 157 | 190 | 26 | 126 | 152 | 28 | 148 | 176 |
| *) Individually assessed impairment write-downs on guarantees, totalling NOK 1.8m, are shown in the balance sheet as a liability under 'Other liabilities' | |||||||||
| 31 Mar 16 | 31 Mar 15 | 2015 | |||||||
| 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 | 268 | 358 | 90 | 188 | 278 | 90 | 188 | 278 |
| Period's collective write-downs to cover loss on loans, guarantees etc | - | 150 | 150 | - | - | - | - | 80 | 80 |
| Collective write-downs to cover loss on loans and guarantees | 90 | 418 | 508 | 90 | 188 | 278 | 90 | 268 | 358 |
| Group | |||||||||
| 31 Mar 16 | 31 Mar 15 | 2015 | |||||||
| Individual write-downs (NOKm) | RM | CM | Total | RM | CM | Total | RM | CM | Total |
| Individual write-downs to cover loss on loans and guarantees at 1.1* | 31 | 153 | 184 | 27 | 146 | 173 | 27 | 146 | 173 |
| - Actual losses during the period for which provisions for individual impairment losses have been made previously | 4 | 0 | 4 | 2 | 32 | 34 | 8 | 59 | 67 |
| - Reversal of provisions from previous periods | 2 | 3 | 5 | 1 | 1 | 2 | 3 | 42 | 46 |
| + Increased write-downs on provisions previously written down | 7 | 4 | 11 | 1 | 4 | 4 | 1 | 21 | 22 |
| + Write-downs on provisions not previously written down | 5 | 9 | 14 | 3 | 17 | 20 | 14 | 87 | 102 |
| Individual write-downs to cover loss on loans and guarantees | 37 | 163 | 200 | 28 | 133 | 161 | 31 | 153 | 184 |
| *) Individually assessed impairment write-downs on guarantees, totalling NOK 1.8m, are shown in the balance sheet as a liability under 'Other liabilities' | |||||||||
| 31 Mar 16 | 31 Mar 15 | 2015 | |||||||
| 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 | 96 | 281 | 376 | 94 | 201 | 295 | 94 | 201 | 295 |
| Period's collective write-downs to cover loss on loans, guarantees etc | 0 | 150 | 150 | - | - | - | 2 | 80 | 82 |
| Collective write-downs to cover loss on loans and guarantees | 96 | 431 | 527 | 94 | 201 | 295 | 96 | 281 | 376 |
