Note 8 - Gross loans
| 31 Dec 2022 | 31 Dec 2021 | |||||||
| Parent Bank (NOKm) | 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 |
| Transfer to stage 1 | 1,075 | -1,060 | -15 | - | 1,007 | -1,002 | -6 | - |
| Transfer to stage 2 | -1,403 | 1,411 | -8 | - | -1,325 | 1,332 | -7 | - |
| Transfer to stage 3 | -32 | -119 | 150 | - | -61 | -87 | 148 | - |
| Net increase/decrease amount existing loans | -2,501 | -106 | -15 | -2,623 | -2,513 | -102 | -15 | -2,630 |
| New loans | 38,691 | 1,418 | 120 | 40,229 | 43,464 | 1,198 | 118 | 44,780 |
| Derecognitions | -37,136 | -1,473 | -137 | -38,746 | -31,569 | -1,876 | -156 | -33,601 |
| Financial assets with actual loan losses | 0 | -1 | -11 | -12 | -0 | -1 | -20 | -21 |
| Closing balance | 80,994 | 3,962 | 527 | 85,484 | 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 |
| Transfer to stage 1 | 1,839 | -1,820 | -19 | - | 647 | -647 | -0 | - |
| Transfer to stage 2 | -1,699 | 2,606 | -908 | - | -1,434 | 1,434 | - | - |
| Transfer to stage 3 | -67 | -72 | 139 | - | -43 | -593 | 637 | - |
| Net increase/decrease amount existing loans | -731 | -257 | -3 | -990 | -1,202 | -196 | -39 | -1,437 |
| New loans | 17,124 | 1,661 | 86 | 18,872 | 13,125 | -550 | 1,074 | 13,649 |
| Derecognitions | -11,697 | -1,415 | -514 | -13,625 | -8,320 | -236 | -524 | -9,081 |
| Financial assets with actual loan losses | -3 | -8 | -91 | -102 | -1 | -4 | -193 | -199 |
| Closing balance | 43,127 | 5,883 | 1,346 | 50,356 | 38,359 | 5,186 | 2,656 | 46,201 |
| Fixed interest loans at FV | 4,709 | 4,709 | 4,276 | 4,276 | ||||
| Total gross loans at the end of the period | 128,830 | 9,845 | 1,874 | 140,549 | 124,934 | 9,079 | 3,100 | 137,113 |
| 31 Dec 2022 | 31 Dec 2021 | |||||||
| Group (NOKm) | 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 |
| Transfer to stage 1 | 1,278 | -1,261 | -17 | - | 1,227 | -1,221 | -6 | - |
| Transfer to stage 2 | -1,771 | 1,784 | -13 | - | -1,598 | 1,609 | -11 | - |
| Transfer to stage 3 | -40 | -151 | 190 | - | -74 | -132 | 206 | - |
| Net increase/decrease amount existing loans | -2,177 | -170 | -25 | -2,372 | -2,599 | -154 | -28 | -2,782 |
| New loans | 41,570 | 1,801 | 129 | 43,500 | 46,190 | 1,465 | 125 | 47,781 |
| Derecognitions | -39,465 | -1,714 | -150 | -41,329 | -33,775 | -2,161 | -189 | -36,125 |
| Financial assets with actual loan losses | -0 | -1 | -11 | -12 | -0 | -1 | -20 | -21 |
| Closing balance | 86,972 | 4,901 | 635 | 92,508 | 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 |
| Transfer to stage 1 | 2,090 | -2,045 | -45 | - | 879 | -876 | -2 | - |
| Transfer to stage 2 | -2,042 | 2,959 | -917 | - | -1,795 | 1,797 | -1 | - |
| Transfer to stage 3 | -97 | -88 | 185 | - | -57 | -626 | 683 | - |
| Net increase/decrease amount existing loans | -761 | -329 | -13 | -1,104 | -652 | -257 | -53 | -963 |
| New loans | 19,085 | 1,751 | 109 | 20,945 | 14,533 | -455 | 1,085 | 15,164 |
| Derecognitions | -12,507 | -1,546 | -577 | -14,629 | -9,159 | -397 | -561 | -10,117 |
| Financial assets with actual loan losses | -3 | -8 | -91 | -102 | -1 | -4 | -193 | -199 |
| Closing balance | 47,621 | 6,460 | 1,410 | 55,491 | 41,855 | 5,768 | 2,759 | 50,382 |
| Fixed interest loans at FV | 4,631 | 4,631 | 4,198 | 4,198 | ||||
| Total gross loans at the end of the period | 139,224 | 11,361 | 2,044 | 152,629 | 133,630 | 10,381 | 3,290 | 147,301 |
