Note 8 - Gross loans
| 31 Dec 2021 | 31 Dec 2020 | |||||||
| Parent Bank (NOKm) | 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 |
| Transfer to stage 1 | 1,007 | -1,002 | -6 | - | 1,050 | -1,019 | -31 | - |
| Transfer to stage 2 | -1,325 | 1,332 | -7 | - | -1,433 | 1,470 | -38 | - |
| Transfer to stage 3 | -61 | -87 | 148 | - | -30 | -47 | 77 | - |
| Net increase/decrease amount existing loans | -2,513 | -102 | -15 | -2,630 | -2,093 | -136 | -7 | -2,237 |
| New loans | 43,464 | 1,198 | 118 | 44,780 | 49,001 | 1,464 | 111 | 50,575 |
| Derecognitions | -31,569 | -1,876 | -156 | -33,601 | -42,243 | -2,429 | -196 | -44,867 |
| Financial assets with actual loan losses | 0 | -1 | -20 | -21 | -1 | -2 | -22 | -24 |
| Closing balance | 82,299 | 3,892 | 444 | 86,636 | 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 |
| Transfer to stage 1 | 647 | -647 | -0 | - | 521 | -521 | -0 | - |
| Transfer to stage 2 | -1,434 | 1,434 | - | - | -2,605 | 2,614 | -9 | - |
| Transfer to stage 3 | -43 | -593 | 637 | - | -70 | -685 | 754 | - |
| Net increase/decrease amount existing loans | -1,202 | -196 | -39 | -1,437 | -1,541 | -208 | 38 | -1,711 |
| New loans | 13,125 | -550 | 1,074 | 13,649 | 17,141 | 1,672 | 328 | 19,141 |
| Derecognitions | -8,320 | -236 | -524 | -9,081 | -11,046 | -753 | -862 | -12,662 |
| Financial assets with actual loan losses | -1 | -4 | -193 | -199 | -2 | -111 | -19 | -132 |
| Closing balance | 38,359 | 5,186 | 2,656 | 46,201 | 35,587 | 5,979 | 1,702 | 43,268 |
| Fixed interest loans at FV | 4,276 | 4,276 | 4,285 | 4,285 | ||||
| Total gross loans at the end of the period | 124,934 | 9,079 | 3,100 | 137,113 | 113,169 | 10,409 | 2,083 | 125,660 |
| 31 Dec 2021 | 31 Dec 2020 | |||||||
| Group (NOKm) | 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 |
| Transfer to stage 1 | 1,227 | -1,221 | -6 | - | 1,260 | -1,225 | -35 | - |
| Transfer to stage 2 | -1,598 | 1,609 | -11 | - | -1,731 | 1,785 | -54 | - |
| Transfer to stage 3 | -74 | -132 | 206 | - | -44 | -89 | 133 | - |
| Net increase/decrease amount existing loans | -2,599 | -154 | -28 | -2,782 | -2,136 | -196 | -15 | -2,346 |
| New loans | 46,190 | 1,465 | 125 | 47,781 | 51,383 | 1,702 | 119 | 53,204 |
| Derecognitions | -33,775 | -2,161 | -189 | -36,125 | -43,512 | -2,624 | -239 | -46,375 |
| Financial assets with actual loan losses | -0 | -1 | -20 | -21 | -689 | -70 | -25 | -784 |
| Closing balanse | 87,577 | 4,612 | 531 | 92,721 | 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 |
| Transfer to stage 1 | 879 | -876 | -2 | - | 693 | -690 | -4 | - |
| Transfer to stage 2 | -1,795 | 1,797 | -1 | - | -2,897 | 2,909 | -11 | - |
| Transfer to stage 3 | -57 | -626 | 683 | - | -107 | -695 | 801 | - |
| Net increase/decrease amount existing loans | -652 | -257 | -53 | -963 | -1,589 | -265 | 34 | -1,819 |
| New loans | 14,533 | -455 | 1,085 | 15,164 | 18,238 | 1,875 | 349 | 20,462 |
| Derecognitions | -9,159 | -397 | -561 | -10,117 | -11,287 | -815 | -883 | -12,985 |
| Financial assets with actual loan losses | -1 | -4 | -193 | -199 | -410 | -159 | -24 | -593 |
| Balance at 31 December | 41,855 | 5,768 | 2,759 | 50,382 | 38,107 | 6,587 | 1,802 | 46,496 |
| Closing balanse | ||||||||
| Fixed interest loans at FV | 4,198 | 4,198 | 4,285 | 4,285 | ||||
| Total gross loans at the end of the period | 133,630 | 10,381 | 3,290 | 147,301 | 120,598 | 11,794 | 2,255 | 134,648 |
