Note 8 - Gross Loans
| Parent Bank | 31 March 2019 | 31 March 2018 | |||||||||
| Loans subject to impairment | Loans subject to impairment | ||||||||||
| Gross loan | Stage 1 |
Stage 2 | Stage 3 | Fixed interest loans at FV | Total | Stage 1 | Stage 2 | Stage 3 |
Fixed |
Total | |
| Balance at 1 January | 97,458 | 9,888 | 1,543 | 4,467 | 113,356 | 91,074 | 9,931 | 1,560 | 3,278 | 105,843 | |
| Transfer to stage 1 | 1,571 | -1,567 | -4 | - | -0 | 1,005 | -999 | -6 | - | - | |
| Transfer to stage 2 | -1,148 | 1,165 | -17 | - | 0 | -1,189 | 1,205 | -16 | - | - | |
| Transfer to stage 3 | -10 | -238 | 248 | - | - | -6 | -56 | 62 | - | - | |
| Net increase/decrease amount excisting loans | -2,630 | 5 | -1 | -28 | -2,654 | -1,579 | 33 | -45 | -49 | 1,591 | |
| New loans | 13,347 | 292 | 11 | 337 | 13,987 | 8,735 | 0 | 6 | 366 | 9,107 | |
| Derecognitions | -10,947 | -865 | -39 | -126 | -11,977 | -5,357 | -763 | -12 | -357 | -6,489 | |
| Balance at 31 March | 97,640 | 8,680 | 1,741 | 4,650 | 112,712 | 92,682 | 9,353 | 1,549 | 3,238 | 106,871 | |
| Group | 31 March 2019 | 31 March 2018 | |||||||||
| Loans subject to impairment | Loans subject to impairment | ||||||||||
| Gross loan | Stage 1 |
Stage 2 | Stage 3 | Fixed interest loans at FV | Total | Stage 1 | Stage 2 | Stage 3 | Fixed interest loans at FV |
Total | |
| Balance at 1 January | 103,494 | 10,829 | 1,682 | 4,467 | 120,473 | 96,798 | 10,855 | 1,652 | 3,278 | 112,583 | |
| Transfer to stage 1 | 1,571 | -1,567 | -4 | - | -0 | 948 | -946 | -2 | - | - | |
| Transfer to stage 2 | -1,148 | 1,165 | -17 | - | 0 | -1,023 | 1,029 | -5 | - | - | |
| Transfer to stage 3 | -10 | -238 | 248 | - | - | -4 | -50 | 54 | - | - | |
| Net increase/decrease amount excisting loans | -2,359 | 5 | -1 | -28 | -2,382 | -2,142 | 31 | -45 | -49 | -2,206 | |
| New loans | 13,348 | 292 | 11 | 337 | 13,988 | 9,240 | 4 | 6 | 366 | 9,616 | |
| Derecognitions | -10,947 | -865 | -40 | -126 | -11,978 | -5,650 | -799 | -13 | -357 | -6,819 | |
| Balance at 31 March | 103,949 | 9,622 | 1,880 | 4,650 | 120,100 | 98,166 | 10,123 | 1,647 | 3,238 | 113,174 | |
| Parent Bank | Loans subject to impairment | Fixed interest loans at FV |
Total | ||
| Gross loan (NOKm) | Stage 1 | Stage 2 | Stage 3 | ||
| Balance at 1 January 2018 | 91,074 | 9,931 | 1,560 | 3,278 | 105,843 |
| Transfer to stage 1 | 2,230 | -2,230 | 0 | - | - |
| Transfer to stage 2 | -2,637 | 2,644 | -7 | - | - |
| Transfer to stage 3 | -458 | -31 | 489 | - | - |
| Net increase/decrease amount excisting loans | -5,487 | -65 | 11 | -148 | -5,689 |
| New loans | 46,099 | 2,067 | 72 | 2,269 | 50,507 |
| Derecognitions | -33,363 | -2,428 | -581 | -933 | -37,305 |
| Balance at 31 December 2018 | 97,458 | 9,888 | 1,543 | 4,467 | 113,356 |
| Group | Loans subject to impairment | Fixed interest loans at FV |
Total | ||
| Gross loan (NOKm) | Stage 1 | Stage 2 | Stage 3 | ||
| Balance at 1 January 2018 | 96,286 | 10,855 | 1,652 | 3,278 | 112,071 |
| Transfer to stage 1 | 2,439 | -2,391 | -48 | - | - |
| Transfer to stage 2 | -2,957 | 2,970 | -13 | - | - |
| Transfer to stage 3 | -464 | -71 | 536 | - | - |
| Net increase/decrease amount excisting loans | -6,397 | -260 | 89 | -148 | -6,716 |
| New loans | 48,841 | 2,283 | 89 | 2,269 | 53,483 |
| Derecognitions | -34,253 | -2,556 | -622 | -933 | -38,365 |
| Balance at 31 December 2018 | 103,494 | 10,829 | 1,682 | 4,467 | 120,473 |
