Note 8 - Gross Loans
| 31 Mar 2021 | 31 Mar 2020 | 31 Dec 2020 | ||||||||||
| Parent Bank (NOKm) | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total |
| Retail Market | ||||||||||||
| Opening balance | 73,297 | 4,430 | 381 | 78,108 | 69,045 | 5,129 | 487 | 74,661 | 69,045 | 5,129 | 487 | 74,661 |
| Transfer to stage 1 | 1,034 | -1,033 | -1 | - | 1,082 | -1,071 | -11 | - | 1,050 | -1,019 | -31 | - |
| Transfer to stage 2 | -752 | 753 | -0 | - | -1,148 | 1,206 | -57 | - | -1,433 | 1,470 | -38 | - |
| Transfer to stage 3 | -30 | -52 | 82 | - | -18 | -79 | 97 | - | -30 | -47 | 77 | - |
| Net increase/decrease amount existing loans | -1,127 | -57 | -7 | -1,190 | -1,019 | -52 | -5 | -1,076 | -2,093 | -136 | -7 | -2,237 |
| New loans | 12,982 | 175 | 29 | 13,186 | 15,166 | 311 | 58 | 15,535 | 49,001 | 1,464 | 111 | 50,575 |
| Derecognitions | -10,075 | -540 | -57 | -10,672 | -13,602 | -751 | -63 | -14,416 | -42,243 | -2,429 | -196 | -44,867 |
| Financial assets with actual loan losses | 0 | 0 | -7 | -7 | - | - | -4 | -4 | -1 | -2 | -22 | -24 |
| Closing balance | 75,330 | 3,676 | 420 | 79,426 | 69,506 | 4,693 | 503 | 74,701 | 73,297 | 4,430 | 381 | 78,108 |
| Corporate Market | ||||||||||||
| Opening balance | 35,587 | 5,979 | 1,702 | 43,268 | 33,190 | 3,971 | 1,470 | 38,632 | 33,190 | 3,971 | 1,470 | 38,632 |
| Transfer to stage 1 | 220 | -218 | -2 | - | 400 | -400 | - | - | 521 | -521 | -0 | - |
| Transfer to stage 2 | -286 | 286 | - | - | -650 | 666 | -15 | - | -2,605 | 2,614 | -9 | - |
| Transfer to stage 3 | -86 | -474 | 559 | - | -61 | -521 | 582 | - | -70 | -685 | 754 | - |
| Net increase/decrease amount existing loans | 197 | -17 | -10 | 170 | -642 | 152 | 66 | -424 | -1,541 | -208 | 38 | -1,711 |
| New loans | 3,735 | 28 | 302 | 4,064 | 5,065 | 71 | 26 | 5,162 | 17,141 | 1,672 | 328 | 19,141 |
| Derecognitions | -2,548 | -137 | -138 | -2,823 | -3,392 | -100 | -35 | -3,527 | -11,046 | -753 | -862 | -12,662 |
| Financial assets with actual loan losses | 0 | 0 | -10 | -10 | 0 | -110 | -0 | -110 | -2 | -111 | -19 | -132 |
| Closing balance | 36,818 | 5,448 | 2,403 | 44,668 | 33,910 | 3,729 | 2,093 | 39,732 | 35,587 | 5,979 | 1,702 | 43,268 |
| Fixed interest loans at FV | 4,341 | - | - | 4,341 | 4,438 | - | - | 4,438 | 4,285 | - | - | 4,285 |
| Total gross loans at the end of the period | 116,489 | 9,123 | 2,823 | 128,435 | 107,853 | 8,421 | 2,596 | 118,871 | 113,169 | 10,409 | 2,083 | 125,660 |
| 31 Mar 2021 | 31 Mar 2020 | 31 Dec 2020 | ||||||||||
| Group (NOKm) | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total |
| Retail Market | ||||||||||||
| Opening balance | 78,206 | 5,208 | 453 | 83,867 | 73,675 | 5,924 | 570 | 80,265 | 73,675 | 5,924 | 570 | 80,169 |
| Transfer to stage 1 | 1,141 | -1,139 | -1 | - | 1,181 | -1,168 | -13 | - | 1,260 | -1,225 | -35 | - |
| Transfer to stage 2 | -886 | 888 | -1 | - | -1,306 | 1,378 | -71 | -0 | -1,731 | 1,785 | -54 | - |
| Transfer to stage 3 | -37 | -105 | 142 | - | -21 | -118 | 139 | - | -44 | -89 | 133 | - |
| Net increase/decrease amount existing loans | -1,132 | -63 | -10 | -1,205 | -1,022 | -62 | -5 | -1,105 | -2,136 | -196 | -15 | -2,346 |
| New loans | 13,740 | 192 | 29 | 13,961 | 15,824 | 328 | 58 | 16,211 | 51,383 | 1,702 | 119 | 53,204 |
| Derecognitions | -10,687 | -622 | -74 | -11,383 | -14,032 | -915 | -95 | -14,756 | -43,512 | -2,624 | -239 | -46,375 |
| Financial assets with actual loan losses | -0 | - | -7 | -7 | - | - | -4 | -4 | -689 | -70 | -25 | -784 |
| Closing balanse | 80,345 | 4,358 | 531 | 85,233 | 74,300 | 5,367 | 579 | 80,245 | 78,206 | 5,208 | 453 | 83,867 |
| Corporate Market | ||||||||||||
| Opening balance | 38,107 | 6,587 | 1,802 | 46,496 | 35,466 | 4,426 | 1,539 | 41,431 | 35,466 | 4,426 | 1,539 | 41,431 |
| Transfer to stage 1 | 308 | -305 | -3 | - | 415 | -414 | -0 | - | 693 | -690 | -4 | - |
| Transfer to stage 2 | -314 | 314 | - | - | -682 | 697 | -16 | - | -2,897 | 2,909 | -11 | - |
| Transfer to stage 3 | -91 | -508 | 599 | - | -78 | -531 | 609 | - | -107 | -695 | 801 | - |
| Net increase/decrease amount existing loans | 173 | -19 | -14 | 139 | -599 | 149 | 66 | -384 | -1,589 | -265 | 34 | -1,819 |
| New loans | 4,090 | 37 | 302 | 4,429 | 5,349 | 80 | 27 | 5,456 | 18,238 | 1,875 | 349 | 20,462 |
| Derecognitions | -2,657 | -169 | -142 | -2,968 | -3,691 | -55 | -56 | -3,802 | -11,287 | -815 | -883 | -12,985 |
| Financial assets with actual loan losses | -159 | -38 | -1 | -198 | 0 | -110 | -0 | -110 | -410 | -159 | -24 | -593 |
| Balance at 31 December | 39,457 | 5,898 | 2,543 | 47,897 | 36,180 | 4,241 | 2,168 | 42,589 | 38,107 | 6,587 | 1,802 | 46,496 |
| Closing balanse | ||||||||||||
| Fixed interest loans at FV | 4,341 | - | - | 4,341 | 4,438 | - | - | 4,438 | 4,285 | - | - | 4,285 |
| Total gross loans at the end of the period | 124,142 | 10,256 | 3,073 | 137,471 | 114,918 | 9,608 | 2,747 | 127,272 | 120,598 | 11,794 | 2,255 | 134,648 |
