Note 8 - Gross loans
| 2020 | 2019 | |||||||
| Parent Bank (NOK million) | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total |
| Retail Market | ||||||||
| Balance at 1 January | 69,045 | 5,129 | 487 | 74,661 | 65,403 | 4,366 | 320 | 70,089 |
| Transfer to stage 1 | 1,050 | -1,019 | -31 | - | 893 | -877 | -16 | - |
| Transfer to stage 2 | -1,433 | 1,470 | -38 | - | -1,847 | 1,872 | -25 | - |
| Transfer to stage 3 | -30 | -47 | 77 | - | -60 | -135 | 195 | - |
| Net increase/decrease amount existing loans | -2,093 | -136 | -7 | -2,237 | -1,843 | -123 | -21 | -1,986 |
| New loans | 49,001 | 1,464 | 111 | 50,575 | 43,549 | 1,588 | 178 | 45,315 |
| Derecognitions | -42,243 | -2,429 | -196 | -44,867 | -37,050 | -1,562 | -145 | -38,756 |
| Financial assets with actual loan losses | -1 | -2 | -22 | -24 | - | - | - | - |
| Balance at 31 December | 73,297 | 4,430 | 381 | 78,108 | 69,045 | 5,129 | 487 | 74,661 |
| Corporate Market | ||||||||
| Balance at 1 January | 33,190 | 3,971 | 1,470 | 38,632 | 32,055 | 5,521 | 1,223 | 38,800 |
| Transfer to stage 1 | 521 | -521 | -0 | - | 1,586 | -1,561 | -26 | 0 |
| Transfer to stage 2 | -2,605 | 2,614 | -9 | - | -1,405 | 1,446 | -41 | 0 |
| Transfer to stage 3 | -70 | -685 | 754 | - | -8 | -227 | 234 | -0 |
| Net increase/decrease amount existing loans | -1,541 | -208 | 38 | -1,711 | -1,638 | -91 | -7 | -1,736 |
| New loans | 17,141 | 1,672 | 328 | 19,141 | 11,323 | 205 | 319 | 11,848 |
| Derecognitions | -11,046 | -753 | -862 | -12,662 | -8,723 | -1,324 | -232 | -10,279 |
| Financial assets with actual loan losses | -2 | -111 | -19 | -132 | 0 | 0 | - | - |
| Balance at 31 December | 35,587 | 5,979 | 1,702 | 43,268 | 33,190 | 3,971 | 1,470 | 38,632 |
| Fixed interest loans at FV | 4,285 | 4,285 | 4,677 | 4,677 | ||||
| Total gross loans at 31 December | 113,169 | 10,409 | 2,083 | 125,660 | 106,912 | 9,101 | 1,957 | 117,970 |
| 2020 | 2019 | |||||||
| Group (NOK million) | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total |
| Retail Market | ||||||||
| Balance at 1 January | 73,675 | 5,924 | 570 | 80,169 | 69,736 | 4,951 | 386 | 75,073 |
| Transfer to stage 1 | 1,260 | -1,225 | -35 | - | 1,053 | -1,034 | -19 | - |
| Transfer to stage 2 | -1,731 | 1,785 | -54 | - | -2,184 | 2,217 | -33 | - |
| Transfer to stage 3 | -44 | -89 | 133 | - | -84 | -164 | 248 | - |
| Net increase/decrease amount existing loans | -2,136 | -196 | -15 | -2,346 | -2,867 | -277 | -31 | -3,175 |
| New loans | 51,383 | 1,702 | 119 | 53,204 | 45,617 | 1,901 | 196 | 47,715 |
| Derecognitions | -43,512 | -2,624 | -239 | -46,375 | -37,596 | -1,669 | -165 | -39,430 |
| Financial assets with actual loan losses | -689 | -70 | -25 | -784 | -2 | -1 | -12 | -14 |
| Balance at 31 December | 78,206 | 5,208 | 453 | 83,867 | 73,675 | 5,924 | 570 | 80,169 |
| Corporate Market | ||||||||
| Balance at 1 January | 35,466 | 4,426 | 1,539 | 41,431 | 33,897 | 5,881 | 1,299 | 41,076 |
| Transfer to stage 1 | 693 | -690 | -4 | - | 1,659 | -1,631 | -28 | - |
| Transfer to stage 2 | -2,897 | 2,909 | -11 | - | -1,681 | 1,736 | -55 | - |
| Transfer to stage 3 | -107 | -695 | 801 | - | -42 | -237 | 279 | - |
| Net increase/decrease amount existing loans | -1,589 | -265 | 34 | -1,819 | -1,682 | -164 | -22 | -1,868 |
| New loans | 18,238 | 1,875 | 349 | 20,462 | 12,682 | 261 | 326 | 13,269 |
| Derecognitions | -11,287 | -815 | -883 | -12,985 | -9,367 | -1,414 | -230 | -11,011 |
| Financial assets with actual loan losses | -410 | -159 | -24 | -593 | 0 | -5 | -30 | -35 |
| Balance at 31 December | 38,107 | 6,587 | 1,802 | 46,496 | 35,466 | 4,426 | 1,539 | 41,431 |
| Fixed interest loans at FV | 4,285 | 4,285 | 4,677 | 4,677 | ||||
| Total gross loans at 31 December | 120,598 | 11,794 | 2,255 | 134,648 | 113,817 | 10,350 | 2,110 | 126,277 |
