Note 8 - Gross Loans
| 31 March 2022 | 31 March 2021 | 31 Dec 2021 | ||||||||||
| 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 | 82,299 | 3,892 | 444 | 86,636 | 73,297 | 4,430 | 381 | 78,108 | 73,297 | 4,430 | 381 | 78,108 |
| Transfer to stage 1 | 1,034 | -1,022 | -12 | - | 1,034 | -1,033 | -1 | - | 1,007 | -1,002 | -6 | - |
| Transfer to stage 2 | -968 | 968 | -0 | - | -752 | 753 | -0 | - | -1,325 | 1,332 | -7 | - |
| Transfer to stage 3 | -19 | -115 | 133 | - | -30 | -52 | 82 | - | -61 | -87 | 148 | - |
| Net increase/decrease amount existing loans | -1,224 | -50 | -32 | -1,306 | -1,127 | -57 | -7 | -1,190 | -2,513 | -102 | -15 | -2,630 |
| New loans | 12,643 | 234 | 30 | 12,906 | 12,982 | 175 | 29 | 13,186 | 43,464 | 1,198 | 118 | 44,780 |
| Derecognitions | -13,820 | -502 | -33 | -14,355 | -10,075 | -540 | -57 | -10,672 | -31,569 | -1,876 | -156 | -33,601 |
| Financial assets with actual loan losses | 0 | 0 | -6 | -6 | -0 | - | -7 | -7 | -0 | -1 | -20 | -21 |
| Closing balance | 79,946 | 3,406 | 523 | 83,875 | 75,330 | 3,676 | 420 | 79,426 | 82,299 | 3,892 | 444 | 86,636 |
| Corporate Market | ||||||||||||
| Opening balance | 38,359 | 5,186 | 2,656 | 46,201 | 35,587 | 5,979 | 1,702 | 43,268 | 35,587 | 5,979 | 1,702 | 43,268 |
| Transfer to stage 1 | 201 | -198 | -3 | - | 220 | -218 | -2 | - | 647 | -647 | -0 | - |
| Transfer to stage 2 | -555 | 555 | -0 | - | -286 | 286 | - | - | -1,434 | 1,434 | - | - |
| Transfer to stage 3 | -66 | -73 | 139 | - | -86 | -474 | 559 | - | -43 | -593 | 637 | - |
| Net increase/decrease amount existing loans | 390 | -83 | -13 | 294 | 197 | -17 | -10 | 170 | -1,202 | -196 | -39 | -1,437 |
| New loans | 5,932 | 261 | 78 | 6,271 | 3,735 | 28 | 302 | 4,064 | 13,125 | -550 | 1,074 | 13,649 |
| Derecognitions | -3,805 | -404 | -283 | -4,492 | -2,548 | -137 | -138 | -2,823 | -8,320 | -236 | -524 | -9,081 |
| Financial assets with actual loan losses | 0 | 0 | -31 | -31 | 0 | 0 | -10 | -10 | -1 | -4 | -193 | -199 |
| Closing balance | 40,455 | 5,244 | 2,543 | 48,242 | 36,818 | 5,448 | 2,403 | 44,668 | 38,359 | 5,186 | 2,656 | 46,201 |
| Fixed interest loans at FV | 4,373 | 4,373 | 4,341 | 4,341 | 4,276 | 4,276 | ||||||
| Total gross loans at the end of the period | 124,774 | 8,651 | 3,066 | 136,490 | 116,489 | 9,123 | 2,823 | 128,435 | 124,934 | 9,079 | 3,100 | 137,113 |
| 31 March 2022 | 31 March 2021 | 31 Dec 2021 | ||||||||||
| 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 | 87,577 | 4,612 | 531 | 92,721 | 78,206 | 5,208 | 453 | 83,867 | 78,206 | 5,208 | 453 | 83,867 |
| Transfer to stage 1 | 1,141 | -1,128 | -12 | - | 1,141 | -1,139 | -1 | - | 1,227 | -1,221 | -6 | - |
| Transfer to stage 2 | -1,147 | 1,150 | -2 | - | -886 | 888 | -1 | - | -1,598 | 1,609 | -11 | - |
| Transfer to stage 3 | -21 | -129 | 149 | - | -37 | -105 | 142 | - | -74 | -132 | 206 | - |
| Net increase/decrease amount existing loans | -1,067 | -59 | -32 | -1,158 | -1,132 | -63 | -10 | -1,205 | -2,599 | -154 | -28 | -2,782 |
| New loans | 13,427 | 248 | 40 | 13,715 | 13,740 | 192 | 29 | 13,961 | 46,190 | 1,465 | 125 | 47,781 |
| Derecognitions | -14,473 | -582 | -61 | -15,117 | -10,687 | -622 | -74 | -11,383 | -33,775 | -2,161 | -189 | -36,125 |
| Financial assets with actual loan losses | - | - | -6 | -6 | -0 | - | -7 | -7 | -0 | -1 | -20 | -21 |
| Closing balanse | 85,436 | 4,113 | 606 | 90,155 | 80,345 | 4,358 | 531 | 85,233 | 87,577 | 4,612 | 531 | 92,721 |
| Corporate Market | ||||||||||||
| Opening balance | 41,855 | 5,768 | 2,759 | 50,382 | 38,107 | 6,587 | 1,802 | 46,496 | 38,107 | 6,587 | 1,802 | 46,496 |
| Transfer to stage 1 | 250 | -235 | -15 | - | 308 | -305 | -3 | - | 879 | -876 | -2 | - |
| Transfer to stage 2 | -618 | 620 | -2 | - | -314 | 314 | - | - | -1,795 | 1,797 | -1 | - |
| Transfer to stage 3 | -70 | -80 | 149 | - | -91 | -508 | 599 | - | -57 | -626 | 683 | - |
| Net increase/decrease amount existing loans | 419 | -86 | -14 | 319 | 173 | -19 | -14 | 139 | -652 | -257 | -53 | -963 |
| New loans | 6,390 | 268 | 94 | 6,752 | 4,090 | 37 | 302 | 4,429 | 14,533 | -455 | 1,085 | 15,164 |
| Derecognitions | -4,078 | -467 | -304 | -4,849 | -2,657 | -169 | -142 | -2,968 | -9,159 | -397 | -561 | -10,117 |
| Financial assets with actual loan losses | 0 | 0 | -31 | -31 | -159 | -38 | -1 | -198 | -1 | -4 | -193 | -199 |
| Balance at 31 December | 44,148 | 5,788 | 2,636 | 52,573 | 39,457 | 5,898 | 2,543 | 47,897 | 41,855 | 5,768 | 2,759 | 50,382 |
| Closing balanse | ||||||||||||
| Fixed interest loans at FV | 4,295 | 4,295 | 4,341 | 4,341 | 4,198 | 4,198 | ||||||
| Total gross loans at the end of the period | 133,879 | 9,901 | 3,243 | 147,023 | 124,142 | 10,256 | 3,073 | 137,471 | 133,630 | 10,381 | 3,290 | 147,301 |
