Note 7 - Losses

Parent Bank       January-September      
  2016 2015 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 7 7 13 6 51 57 7 58 65
- Reversal of provisions from previous periods 3 20 23 2 29 31 2 40 43
+ Increased write-downs on provisions previously written down 2 5 7 1 4 5 1 21 22
+ Write-downs on provisions not previously written down 4 399 403 7 95 102 12 85 96
Individual write-downs to cover loss on loans and guarantees at period end *) 24 525 549 24 159 183 28 148 176
*) Individually assessed impairment write-downs on guarantees, totalling NOK 3.3m, are shown in the balance sheet as a liability under 'Other liabilities'         
                   
  2016 2015 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 - 15 15 - 30 30 - 80 80
Collective write-downs to cover loss on loans and guarantees at period end 90 283 373 90 218 308 90 268 358

 

Group       January-September      
  2016 2015 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 7 7 15 7 53 60 8 59 67
- Reversal of provisions from previous periods 4 21 25 3 29 32 3 42 46
+ Increased write-downs on provisions previously written down 2 6 7 1 4 5 1 21 22
+ Write-downs on provisions not previously written down 5 404 410 9 96 106 14 87 102
Individual write-downs to cover loss on loans and guarantees at period end *) 27 535 562 27 165 192 31 153 184
*) Individually assessed impairment write-downs on guarantees, totalling NOK 3.3m, are shown in the balance sheet as a liability under 'Other liabilities'      
                   
  2016 2015 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 3 13 15 1 30 31 2 80 82
Collective write-downs to cover loss on loans and guarantees at period end 98 293 391 95 231 326 96 281 376
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