Note 8 - Gross loans

  30 June 2022 30 June 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 1,149 -1,132 -17 - 1,180 -1,176 -4 - 1,007 -1,002 -6 -
Transfer to stage 2 -1,083 1,090 -7 - -949 953 -4 - -1,325 1,332 -7 -
Transfer to stage 3 -25 -88 113 - -42 -78 119 - -61 -87 148 -
Net increase/decrease amount existing loans  -1,794 -73 -15 -1,881 -1,736 -79 -10 -1,826 -2,513 -102 -15 -2,630
New loans 23,988 403 49 24,439 25,651 449 63 26,163 43,464 1,198 118 44,780
Derecognitions -24,746 -943 -86 -25,774 -18,368 -1,061 -99 -19,528 -31,569 -1,876 -156 -33,601
Financial assets with actual loan losses 0 0 -6 -6 -0 -1 -11 -12 -0 -1 -20 -21
Closing balance 79,789 3,150 474 83,413 79,009 3,440 434 82,883 82,299 3,892 444 86,636
Corporate Market                        
Opening balance 38,359 5,186 2,656 46,201 35,612 5,975 1,702 43,289 35,587 5,979 1,702 43,268
Transfer to stage 1 574 -572 -3 - 391 -391 -0 - 647 -647 -0 -
Transfer to stage 2 -1,082 1,953 -871 - -455 455 - - -1,434 1,434 - -
Transfer to stage 3 -64 -72 136 - -42 -813 856 - -43 -593 637 -
Net increase/decrease amount existing loans  929 -188 88 829 -266 -81 -541 -888 -1,202 -196 -39 -1,437
New loans 9,329 766 132 10,227 6,717 372 1,089 8,179 13,125 -550 1,074 13,649
Derecognitions -5,986 -849 -503 -7,337 -4,166 -679 -191 -5,036 -8,320 -236 -524 -9,081
Financial assets with actual loan losses -2 -4 -59 -66 0 0 -11 -11 -1 -4 -193 -199
Closing balance 42,057 6,221 1,577 49,855 37,790 4,838 2,904 45,533 38,359 5,186 2,656 46,201
                         
Fixed interest loans at FV 4,559     4,559 4,268     4,268 4,276 - - 4,276
Total gross loans at the end of the period 126,405 9,371 2,051 137,827 121,067 8,279 3,338 132,684 124,934 9,079 3,100 137,113
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  30 June 2022 30 June 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 1,321 -1,303 -18 - 1,343 -1,339 -4 - 1,227 -1,221 -6 -
Transfer to stage 2 -1,348 1,358 -11 - -1,152 1,159 -7 - -1,598 1,609 -11 -
Transfer to stage 3 -29 -112 141 - -48 -124 172 - -74 -132 206 -
Net increase/decrease amount existing loans  -1,541 -99 -18 -1,658 -1,755 -99 -17 -1,871 -2,599 -154 -28 -2,782
New loans 25,877 501 61 26,439 27,231 550 64 27,845 46,190 1,465 125 47,781
Derecognitions -26,335 -1,083 -93 -27,512 -19,676 -1,246 -114 -21,036 -33,775 -2,161 -189 -36,125
Financial assets with actual loan losses - - -6 -6 -0 -1 -11 -12 -0 -1 -20 -21
Closing balanse 85,522 3,875 587 89,984 84,149 4,108 536 88,794 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 1 722 -714 -7 - 570 -570 -0 - 879 -876 -2 -
Transfer to stage 2 -1,233 2,115 -882 - -549 553 -4 - -1,795 1,797 -1 -
Transfer to stage 3 -70 -85 155 - -51 -836 887 - -57 -626 683 -
Net increase/decrease amount existing loans  760 -208 86 638 -333 -94 -547 -973 -652 -257 -53 -963
New loans 9,961 805 144 10,910 7,456 399 1,089 8,944 14,533 -455 1,085 15,164
Derecognitions -6,157 -938 -553 -7,647 -4,583 -784 -216 -5,583 -9,159 -397 -561 -10,117
Financial assets with actual loan losses -2 -4 -59 -66 0 0 -11 -11 -1 -4 -193 -199
Balance at 31 December 45,834 6,740 1,643 54,216 40,618 5,255 3,000 48,873 41,855 5,768 2,759 50,382
Closing balanse                        
Fixed interest loans at FV 4,481     4,481 4,268     4,268 4,198     4,198
Total gross loans at the end of the period 135,837 10,615 2,229 148,681 129,035 9,363 3,537 141,935 133,630 10,381 3,290 147,301
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