Note 8 - Gross loans
| 30 Sept 2021 | 30 Sept 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 | 1,216 | -1,212 | -4 | - | 1,048 | -1,018 | -30 | - | 1,050 | -1,019 | -31 | - |
| Transfer to stage 2 | -1,009 | 1,012 | -3 | - | -1,398 | 1,465 | -67 | - | -1,433 | 1,470 | -38 | - |
| Transfer to stage 3 | -50 | -77 | 127 | - | -24 | -61 | 85 | - | -30 | -47 | 77 | - |
| Net increase/decrease amount existing loans | -2,228 | -72 | -20 | -2,319 | -1,793 | -111 | 5 | -1,899 | -2,093 | -136 | -7 | -2,237 |
| New loans | 35,597 | 721 | 70 | 36,388 | 43,184 | 1,054 | 93 | 44,331 | 49,001 | 1,464 | 111 | 50,575 |
| Derecognitions | -26,274 | -1,532 | -128 | -27,935 | -36,578 | -1,999 | -156 | -38,733 | -42,243 | -2,429 | -196 | -44,867 |
| Financial assets with actual loan losses | 0 | -1 | -16 | -17 | -0 | -2 | -18 | -20 | -1 | -2 | -22 | -24 |
| Closing balance | 80,549 | 3,268 | 408 | 84,225 | 73,484 | 4,457 | 399 | 78,340 | 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 | 414 | -414 | - | - | 484 | -485 | 1 | - | 521 | -521 | -0 | - |
| Transfer to stage 2 | -690 | 690 | -0 | - | -2,791 | 2,813 | -22 | - | -2,605 | 2,614 | -9 | - |
| Transfer to stage 3 | -16 | -594 | 609 | - | -79 | -96 | 176 | - | -70 | -685 | 754 | - |
| Net increase/decrease amount existing loans | -963 | -162 | -27 | -1,152 | -1,949 | -228 | 216 | -1,961 | -1,541 | -208 | 38 | -1,711 |
| New loans | 9,799 | 110 | 1,305 | 11,214 | 13,123 | 1,002 | 296 | 14,421 | 17,141 | 1,672 | 328 | 19,141 |
| Derecognitions | -6,431 | -745 | -711 | -7,888 | -8,053 | -532 | -371 | -8,957 | -11,046 | -753 | -862 | -12,662 |
| Financial assets with actual loan losses | 0 | 0 | -21 | -21 | 0 | -111 | -12 | -123 | -2 | -111 | -19 | -132 |
| Closing balance | 37,699 | 4,865 | 2,856 | 45,420 | 33,924 | 6,333 | 1,755 | 42,012 | 35,587 | 5,979 | 1,702 | 43,268 |
| Fixed interest loans at FV | 4,367 | 4,367 | 4,324 | 4,324 | 4,285 | 4,285 | ||||||
| Total gross loans at the end of the period | 122,615 | 8,133 | 3,264 | 134,013 | 111,732 | 10,791 | 2,154 | 124,677 | 113,169 | 10,409 | 2,083 | 125,660 |
| 30 Sept 2021 | 30 Sept 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 | 80,169 | 73,675 | 5,924 | 570 | 80,169 |
| Transfer to stage 1 | 1,418 | -1,413 | -4 | - | 1,244 | -1,211 | -34 | - | 1,260 | -1,225 | -35 | - |
| Transfer to stage 2 | -1,245 | 1,253 | -7 | - | -1,686 | 1,767 | -81 | - | -1,731 | 1,785 | -54 | - |
| Transfer to stage 3 | -59 | -119 | 178 | - | -35 | -106 | 141 | - | -44 | -89 | 133 | - |
| Net increase/decrease amount existing loans | -2,254 | -106 | -29 | -2,388 | -1,824 | -156 | 1 | -1,979 | -2,136 | -196 | -15 | -2,346 |
| New loans | 37,915 | 892 | 74 | 38,881 | 45,169 | 1,210 | 97 | 46,475 | 51,383 | 1,702 | 119 | 53,204 |
| Derecognitions | -28,197 | -1,772 | -142 | -30,111 | -38,117 | -2,211 | -200 | -40,529 | -43,512 | -2,624 | -239 | -46,375 |
| Financial assets with actual loan losses | -0 | -1 | -16 | -17 | -0 | -2 | -18 | -20 | -689 | -70 | -25 | -784 |
| Closing balanse | 85,785 | 3,941 | 507 | 90,233 | 78,425 | 5,215 | 477 | 84,117 | 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 | 649 | -646 | -3 | - | 650 | -646 | -4 | - | 693 | -690 | -4 | - |
| Transfer to stage 2 | -985 | 987 | -3 | - | -3,021 | 3,045 | -25 | - | -2,897 | 2,909 | -11 | - |
| Transfer to stage 3 | -26 | -617 | 643 | - | -117 | -115 | 231 | - | -107 | -695 | 801 | - |
| Net increase/decrease amount existing loans | -480 | -198 | -33 | -711 | -1,882 | -269 | 213 | -1,937 | -1,589 | -265 | 34 | -1,819 |
| New loans | 10,685 | 179 | 1,306 | 12,170 | 13,949 | 1,156 | 304 | 15,408 | 18,238 | 1,875 | 349 | 20,462 |
| Derecognitions | -6,936 | -875 | -751 | -8,562 | -8,583 | -605 | -391 | -9,579 | -11,287 | -815 | -883 | -12,985 |
| Financial assets with actual loan losses | 0 | 0 | -21 | -21 | 0 | -111 | -12 | -123 | -410 | -159 | -24 | -593 |
| Balance at 31 December | 41,014 | 5,416 | 2,941 | 49,372 | 36,462 | 6,881 | 1,855 | 45,199 | 38,107 | 6,587 | 1,802 | 46,496 |
| Closing balanse | ||||||||||||
| Fixed interest loans at FV | 4,367 | 4,367 | 4,324 | 4,324 | 4,285 | 4,285 | ||||||
| Total gross loans at the end of the period | 131,166 | 9,357 | 3,448 | 143,972 | 119,212 | 12,097 | 2,332 | 133,640 | 120,598 | 11,794 | 2,255 | 134,648 |
