Note 7 - Losses
| Parent Bank | January- December | |||||
| 2016 | 2015 | |||||
| Individual write-downs (NOKm) | 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 |
| - Actual losses during the period for which provisions for individual impairment losses have been made previously | 8 | 34 | 42 | 7 | 58 | 65 |
| - Reversal of provisions from previous periods | 3 | 36 | 39 | 2 | 40 | 43 |
| + Increased write-downs on provisions previously written down | 2 | 6 | 8 | 1 | 21 | 22 |
| + Write-downs on provisions not previously written down | 4 | 518 | 523 | 12 | 85 | 96 |
| Individual write-downs to cover loss on loans and guarantees at period end *) | 24 | 602 | 625 | 28 | 148 | 176 |
| *) Individually assessed impairment write-downs on guarantees, totalling NOK 5.6m, are shown in the balance sheet as a liability under 'Other liabilities' | ||||||
| 2016 | 2015 | |||||
| Collective write-downs (NOKm) | RM | CM | Total | RM | CM | Total |
| Collective write-downs to cover loss on loans, guarantees at 1.1 | 90 | 268 | 358 | 90 | 188 | 278 |
| Period's collective write-downs to cover loss on loans, guarantees etc | - | -40 | -40 | - | 80 | 80 |
| Collective write-downs to cover loss on loans and guarantees at period end | 90 | 228 | 318 | 90 | 268 | 358 |
| Group | January- December | |||||
| 2016 | 2015 | |||||
| Individual write-downs (NOKm) | 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 |
| - Actual losses during the period for which provisions for individual impairment losses have been made previously | 8 | 36 | 44 | 8 | 59 | 67 |
| - Reversal of provisions from previous periods | 3 | 36 | 39 | 3 | 42 | 46 |
| + Increased write-downs on provisions previously written down | 2 | 6 | 8 | 1 | 21 | 22 |
| + Write-downs on provisions not previously written down | 4 | 523 | 528 | 14 | 87 | 102 |
| Individual write-downs to cover loss on loans and guarantees at period end *) | 27 | 611 | 638 | 31 | 153 | 184 |
| *) Individually assessed impairment write-downs on guarantees, totalling NOK 5.6m, are shown in the balance sheet as a liability under 'Other liabilities' | ||||||
| 2016 | 2015 | |||||
| Collective write-downs (NOKm) | RM | CM | Total | RM | CM | Total |
| Collective write-downs to cover loss on loans, guarantees at 1.1 | 96 | 281 | 376 | 94 | 201 | 295 |
| Period's collective write-downs to cover loss on loans, guarantees etc | 4 | -42 | -38 | 2 | 80 | 82 |
| Collective write-downs to cover loss on loans and guarantees at period end | 100 | 239 | 339 | 96 | 281 | 376 |
