Note 8 - Gross Loans
| Parent Bank (NOKm) | 31 March 2020 | ||||
| Loans subject to impairment | |||||
| Gross loan - Total | Stage 1 | Stage 2 | Stage 3 | Fixed interest loans at FV | Total |
| Balance at 1 January 2020 | 102,235 | 9,101 | 1,957 | 4,677 | 117,970 |
| Transfer to stage 1 | 1,482 | -1,471 | -11 | - | - |
| Transfer to stage 2 | -1,799 | 1,872 | -73 | - | - |
| Transfer to stage 3 | -79 | -600 | 679 | - | - |
| Net increase/decrease amount excisting loans | -1,661 | 100 | 61 | 33 | -1,467 |
| New loans | 20,231 | 382 | 85 | 89 | 20,787 |
| Derecognitions | -16,994 | -852 | -98 | -362 | -18,305 |
| Financial assets with actual loan losses | 0 | -110 | -4 | 0 | -114 |
| Balance at 31 March 2020 | 103,416 | 8,421 | 2,596 | 4,438 | 118,871 |
| Parent Bank | 31 March 2019 | ||||
| Loans subject to impairment | |||||
| Gross loan | Stage 1 | Stage 2 | Stage 3 | Fixed interest loans at FV | Total |
| Balance at 1 January | 97,458 | 9,888 | 1,543 | 4,467 | 113,356 |
| Transfer to stage 1 | 1,571 | -1,567 | -4 | - | -0 |
| Transfer to stage 2 | -1,148 | 1,165 | -17 | - | 0 |
| Transfer to stage 3 | -10 | -238 | 248 | - | - |
| Net increase/decrease amount excisting loans | -2,630 | 5 | -1 | -28 | -2,654 |
| New loans | 13,347 | 292 | 11 | 337 | 13,987 |
| Derecognitions | -10,947 | -865 | -39 | -126 | -11,977 |
| Balance at 31 March | 97,640 | 8,680 | 1,741 | 4,650 | 112,712 |
| Parent Bank | 31 December 2019 | ||||
| Loans subject to impairment | |||||
| Gross loan - Total | Stage 1 | Stage 2 | Stage 3 | Fixed interest loans at FV | Total |
| Balance at 1 January 2019 | 97,458 | 9,888 | 1,543 | 4,467 | 113,356 |
| Transfer to stage 1 | 2,479 | -2,438 | -41 | 0 | - |
| Transfer to stage 2 | -3,252 | 3,318 | -66 | 0 | - |
| Transfer to stage 3 | -67 | -361 | 429 | 0 | - |
| Net increase/decrease amount excisting loans | -3,481 | -213 | -28 | -133 | -3,856 |
| New loans | 54,871 | 1,793 | 497 | 1,022 | 58,184 |
| Derecognitions | -45,771 | -2,879 | -335 | -678 | -49,665 |
| Financial assets with actual loan losses | -2 | -6 | -41 | 0 | -49 |
| Balance at 31 December 2019 | 102,235 | 9,101 | 1,957 | 4,677 | 117,970 |
| Group (NOKm) | 31 March 2020 | ||||
| Loans subject to impairment | |||||
| Gross loan - Total | Stage 1 | Stage 2 | Stage 3 | Fixed interest loans at FV | Total |
| Balance at 1 January 2020 | 109,140 | 10,350 | 2,110 | 4,677 | 126,277 |
| Transfer to stage 1 | 1,596 | -1,582 | -14 | - | - |
| Transfer to stage 2 | -1,988 | 2,075 | -87 | - | - |
| Transfer to stage 3 | -98 | -649 | 748 | - | - |
| Net increase/decrease amount excisting loans | -1,620 | 87 | 60 | 33 | -1,440 |
| New loans | 21,173 | 408 | 85 | 89 | 21,756 |
| Derecognitions | -17,329 | -913 | -130 | -362 | -18,734 |
| Financial assets with actual loan losses | -393 | -167 | -25 | - | -585 |
| Balance at 31 March 2020 | 110,480 | 9,608 | 2,747 | 4,438 | 127,273 |
| Group | 31 March 2019 | ||||
| Loans subject to impairment | |||||
| Gross loan | 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 |
| Transfer to stage 1 | 1,571 | -1,567 | -4 | - | - |
| Transfer to stage 2 | -1,148 | 1,165 | -17 | - | - |
| Transfer to stage 3 | -10 | -238 | 248 | - | - |
| Net increase/decrease amount excisting loans | -2,359 | 5 | -1 | -28 | -2,382 |
| New loans | 13,348 | 292 | 11 | 337 | 13,988 |
| Derecognitions | -10,947 | -865 | -40 | -126 | -11,978 |
| Balance at 31 March | 103,949 | 9,622 | 1,880 | 4,650 | 120,100 |
| Group | 31 December 2019 | ||||
| Loans subject to impairment | |||||
| Gross loan - Total | Stage 1 | Stage 2 | Stage 3 | Fixed interest loans at FV |
Total |
| Balance at 1 January 2019 | 103,494 | 10,829 | 1,683 | 4,467 | 120,473 |
| Transfer to stage 1 | 2,712 | -2,665 | -47 | 0 | - |
| Transfer to stage 2 | -3,865 | 3,953 | -88 | 0 | - |
| Transfer to stage 3 | -126 | -402 | 527 | 0 | - |
| Net increase/decrease amount excisting loans | -4,553 | -441 | -53 | -133 | -5,180 |
| New loans | 58,443 | 2,164 | 524 | 1,022 | 62,153 |
| Derecognitions | -46,963 | -3,082 | -396 | -678 | -51,119 |
| Financial assets with actual loan losses | -2 | -6 | -41 | - | -49 |
| Balance at 31 December 2019 | 109,140 | 10,350 | 2,110 | 4,677 | 126,277 |
