Note 8 - Defaults and problem loans

 

Parent Bank        
  31. Dec 2016 31. Dec 2015
Total defaults (NOKm) RM CM Total RM CM Total
Loans in default for more than 90 days *) 144 29 173 133 38 171
- Individual write-downs 17 18 36 15 8 23
Net defaults 127 11 138 119 30 148
Provison rate 12 % 62 % 21 % 11 % 22 % 13 %
Problem loans            
Problem loans (not in default) 19 1,435 1,453 45 341 387
- Individual write-downs 6 584 590 13 139 152
Net problem loans 13 851 863 32 202 234
Provison rate 33 % 41 % 41 % 29 % 41 % 39 %
*) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per fourth quarter      

 

 

Group        
  31 Dec 2016 31 Dec 2015
Total defaults (NOKm) RM CM Total RM CM Total
Loans in default for more than 90 days *) 176 38 214 155 50 205
- Individual write-downs 20 19 39 17 9 26
Net defaults 156 18 174 138 41 179
Provison rate 12 % 51 % 18 % 11 % 18 % 13 %
Problem loans            
Problem loans (not in default) 19 1,455 1,474 49 350 399
- Individual write-downs 6 592 599 14 144 158
Net problem loans 13 863 875 34 206 241
Provison rate 33 % 41 % 41 % 30 % 41 % 40 %
*) There are no defaults that relates to loans in the guarantee portfolio taken over from BN Bank per fourth quarter
             
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