Note 8 - Defaults and problem loans

Parent Bank
	30 June 2016			30 June 2015			2015
Total defaults (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Loans in default for more than 90 days *)	172	24	196	161	83	244	133	38	171
- Individual write-downs	15	12	26	17	34	51	15	8	23
Net defaults	158	12	169	144	50	193	119	30	148
Provison rate	8 %	51 %	14 %	11 %	41 %	21 %	11 %	22 %	13 %
Problem loans
Problem loans (not in default)	28	1,163	1,190	11	349	361	45	341	387
- Individual write-downs	9	369	378	5	103	108	13	139	152
Net problem loans	19	793	812	6	246	252	32	202	234
Provison rate	32 %	32 %	32 %	45 %	30 %	30 %	29 %	41 %	39 %
*) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per Q2

Group
	30 June 2016			30 June 2015			2015
Total defaults (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total
Loans in default for more than 90 days *)	219	36	255	182	105	287	155	50	205
- Individual write-downs	18	13	31	20	38	58	17	9	26
Net defaults	201	23	223	162	68	230	138	41	179
Provison rate	8 %	36 %	12 %	11 %	36 %	20 %	11 %	18 %	13 %
Problem loans
Problem loans (not in default)	28	1,171	1,198	11	357	368	49	350	399
- Individual write-downs	9	375	384	5	106	111	14	144	158
Net problem loans	19	796	815	6	251	257	34	206	241
Provison rate	32 %	32 %	32 %	46 %	30 %	30 %	30 %	41 %	40 %
*) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per Q2