Note 8 - Gross loans
| 30 Sep 22 | 30 Sep 21 | 31 Dec 21 | ||||||||||
| 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 | 1,164 | -1,148 | -16 | - | 1,216 | -1,212 | -4 | - | 1,007 | -1,002 | -6 | - |
| Transfer to stage 2 | -1,133 | 1,142 | -9 | - | -1,009 | 1,012 | -3 | - | -1,325 | 1,332 | 1 | - |
| Transfer to stage 3 | -25 | -96 | 121 | - | -50 | -77 | 127 | - | -61 | -87 | 148 | - |
| Net increase/decrease amount existing loans | -2,241 | -90 | -14 | -2,345 | -2,228 | -72 | -20 | -2,319 | -2,513 | -102 | -15 | -2,630 |
| New loans | 31,416 | 695 | 87 | 32,197 | 35,597 | 721 | 70 | 36,388 | 43,464 | 1,198 | 118 | 44,780 |
| Derecognitions | -31,882 | -1,230 | -113 | -33,226 | -26,274 | -1,532 | -128 | -27,935 | -31,569 | -1,876 | -156 | -33,601 |
| Financial assets with actual loan losses | 0 | -1 | -9 | -10 | -0 | -1 | -16 | -17 | -0 | -1 | -20 | -21 |
| Closing balance | 79,599 | 3,163 | 490 | 83,253 | 80,549 | 3,268 | 408 | 84,225 | 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 | 978 | -963 | -15 | - | 414 | -414 | - | - | 647 | -647 | -0 | - |
| Transfer to stage 2 | -1,593 | 2,463 | -869 | - | -690 | 690 | -0 | - | -1,434 | 1,434 | - | - |
| Transfer to stage 3 | -64 | -73 | 137 | - | -16 | -594 | 609 | - | -43 | -593 | 637 | - |
| Net increase/decrease amount existing loans | -274 | -152 | 49 | -377 | -963 | -162 | -27 | -1,152 | -1,202 | -196 | -39 | -1,437 |
| New loans | 12,908 | 1,016 | 93 | 14,017 | 9,799 | 110 | 1,305 | 11,214 | 13,125 | -550 | 1,074 | 13,649 |
| Derecognitions | -7,590 | -912 | -504 | -9,006 | -6,431 | -745 | -711 | -7,888 | -8,320 | -236 | -524 | -9,081 |
| Financial assets with actual loan losses | -2 | -5 | -59 | -66 | 0 | 0 | -21 | -21 | -1 | -4 | -193 | -199 |
| Closing balance | 42,721 | 6,560 | 1,489 | 50,770 | 37,699 | 4,865 | 2,856 | 45,420 | 38,359 | 5,186 | 2,656 | 46,201 |
| Fixed interest loans at FV | 4,718 | 4,718 | 4,367 | 4,367 | 4,276 | - | - | 4,276 | ||||
| Total gross loans at the end of the period | 127,039 | 9,723 | 1,979 | 138,740 | 122,615 | 8,133 | 3,264 | 134,013 | 124,934 | 9,079 | 3,100 | 137,113 |
| 30 Sep 22 | 30 Sep 21 | 31 Dec 21 | ||||||||||
| 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 | 1,358 | -1,341 | -17 | - | 1,418 | -1,413 | -4 | - | 1,227 | -1,221 | -6 | - |
| Transfer to stage 2 | -1,447 | 1,462 | -15 | - | -1,245 | 1,253 | -7 | - | -1,598 | 1,609 | -11 | - |
| Transfer to stage 3 | -31 | -126 | 157 | - | -59 | -119 | 178 | - | -74 | -132 | 206 | - |
| Net increase/decrease amount existing loans | -1,956 | -134 | -20 | -2,110 | -2,254 | -106 | -29 | -2,388 | -2,599 | -154 | -28 | -2,782 |
| New loans | 33,803 | 912 | 92 | 34,807 | 37,915 | 892 | 74 | 38,881 | 46,190 | 1,465 | 125 | 47,781 |
| Derecognitions | -33,780 | -1,427 | -131 | -35,338 | -28,197 | -1,772 | -142 | -30,111 | -33,775 | -2,161 | -189 | -36,125 |
| Financial assets with actual loan losses | -0 | -1 | -9 | -10 | -0 | -1 | -16 | -17 | -0 | -1 | -20 | -21 |
| Closing balanse | 85,524 | 3,958 | 587 | 90,070 | 85,785 | 3,941 | 507 | 90,233 | 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 | 1,224 | -1,184 | -40 | - | 649 | -646 | -3 | - | 879 | -876 | -2 | - |
| Transfer to stage 2 | -1,862 | 2,739 | -877 | - | -985 | 987 | -3 | - | -1,795 | 1,797 | -1 | - |
| Transfer to stage 3 | -75 | -92 | 167 | - | -26 | -617 | 643 | - | -57 | -626 | 683 | - |
| Net increase/decrease amount existing loans | -301 | -202 | 45 | -457 | -480 | -198 | -33 | -711 | -652 | -257 | -53 | -963 |
| New loans | 14,284 | 1,079 | 108 | 15,471 | 10,685 | 179 | 1,306 | 12,170 | 14,533 | -455 | 1,085 | 15,164 |
| Derecognitions | -8,225 | -1,016 | -552 | -9,793 | -6,936 | -875 | -751 | -8,562 | -9,159 | -397 | -561 | -10,117 |
| Financial assets with actual loan losses | -2 | -5 | -59 | -66 | 0 | 0 | -21 | -21 | -1 | -4 | -193 | -199 |
| Closing balance | 46,897 | 7,087 | 1,551 | 55,536 | 41,014 | 5,416 | 2,941 | 49,372 | 41,855 | 5,768 | 2,759 | 50,382 |
| Fixed interest loans at FV | 4,640 | 4,640 | 4,367 | 4,367 | 4,198 | 4,198 | ||||||
| Total gross loans at the end of the period | 137,062 | 11,046 | 2,139 | 150,247 | 131,166 | 9,357 | 3,448 | 143,972 | 133,630 | 10,381 | 3,290 | 147,301 |
