Note 8 - Gross Loans
| 31 Mar 2023 | 31 Mar 2022 | 31 Dec 2022 | ||||||||||
| 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 | 80,994 | 3,962 | 527 | 85,484 | 82,299 | 3,892 | 444 | 86,636 | 82,299 | 3,892 | 444 | 86,636 |
| Transfer to stage 1 | 1,061 | -1,048 | -14 | - | 1,034 | -1,022 | -12 | - | 1,075 | -1,060 | -15 | - |
| Transfer to stage 2 | -1,003 | 1,010 | -7 | - | -968 | 968 | -0 | - | -1,403 | 1,411 | -8 | - |
| Transfer to stage 3 | -2 | -95 | 97 | - | -19 | -115 | 133 | - | -32 | -119 | 150 | - |
| Net increase/decrease amount existing loans | -973 | -33 | -2 | -1,007 | -1,224 | -50 | -32 | -1,306 | -2,501 | -106 | -15 | -2,623 |
| New loans | 11,257 | 205 | 49 | 11,511 | 12,643 | 234 | 30 | 12,906 | 38,691 | 1,418 | 120 | 40,229 |
| Derecognitions | -11,250 | -489 | -59 | -11,798 | -13,820 | -502 | -33 | -14,355 | -37,136 | -1,473 | -137 | -38,746 |
| Financial assets with actual loan losses | 0 | 0 | -8 | -8 | - | - | -6 | -6 | -0 | -1 | -11 | -12 |
| Closing balance | 80,085 | 3,514 | 583 | 84,181 | 79,946 | 3,406 | 523 | 83,875 | 80,994 | 3,962 | 527 | 85,484 |
| Corporate Market | ||||||||||||
| Opening balance | 43,127 | 5,883 | 1,346 | 50,356 | 38,359 | 5,186 | 2,656 | 46,201 | 38,359 | 5,186 | 2,656 | 46,201 |
| Transfer to stage 1 | 791 | -787 | -4 | - | 201 | -198 | -3 | - | 1,839 | -1,820 | -19 | - |
| Transfer to stage 2 | -625 | 700 | -76 | - | -555 | 555 | -0 | - | -1,699 | 2,606 | -908 | - |
| Transfer to stage 3 | -11 | -16 | 27 | - | -66 | -73 | 139 | - | -67 | -72 | 139 | - |
| Net increase/decrease amount existing loans | 106 | -66 | 2 | 42 | 390 | -83 | -13 | 294 | -731 | -257 | -3 | -990 |
| New loans | 4,732 | 30 | 47 | 4,810 | 5,932 | 261 | 78 | 6,271 | 17,124 | 1,661 | 86 | 18,872 |
| Derecognitions | -3,147 | -162 | -50 | -3,360 | -3,805 | -404 | -283 | -4,492 | -11,697 | -1,415 | -514 | -13,625 |
| Financial assets with actual loan losses | 0 | 0 | -5 | -5 | 0 | 0 | -31 | -31 | -3 | -8 | -91 | -102 |
| Closing balance | 44,972 | 5,582 | 1,288 | 51,843 | 40,455 | 5,244 | 2,543 | 48,242 | 43,127 | 5,883 | 1,346 | 50,356 |
| Fixed interest loans at FV | 4,707 | 4,707 | 4,373 | 4,373 | 4,709 | - | - | 4,709 | ||||
| Total gross loans at the end of the period | 129,764 | 9,096 | 1,872 | 140,731 | 124,774 | 8,651 | 3,066 | 136,490 | 128,830 | 9,845 | 1,874 | 140,549 |
| 31 Mar 2023 | 31 Mar 2022 | 31 Dec 2022 | ||||||||||
| 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 | 86,972 | 4,901 | 635 | 92,508 | 87,577 | 4,612 | 531 | 92,721 | 87,577 | 4,612 | 531 | 92,721 |
| Transfer to stage 1 | 1,180 | -1,167 | -14 | - | 1,141 | -1,128 | -12 | - | 1,278 | -1,261 | -17 | - |
| Transfer to stage 2 | -1,219 | 1,229 | -10 | - | -1,147 | 1,150 | -2 | - | -1,771 | 1,784 | -13 | - |
| Transfer to stage 3 | -5 | -120 | 124 | - | -21 | -129 | 149 | - | -40 | -151 | 190 | - |
| Net increase/decrease amount existing loans | -902 | -40 | -3 | -944 | -1,067 | -59 | -32 | -1,158 | -2,177 | -170 | -25 | -2,372 |
| New loans | 12,195 | 229 | 50 | 12,474 | 13,427 | 248 | 40 | 13,715 | 41,570 | 1,801 | 129 | 43,500 |
| Derecognitions | -11,990 | -581 | -69 | -12,640 | -14,473 | -582 | -61 | -15,117 | -39,465 | -1,714 | -150 | -41,329 |
| Financial assets with actual loan losses | -0 | - | -8 | -8 | - | - | -6 | -6 | -0 | -1 | -11 | -12 |
| Closing balance | 86,232 | 4,451 | 705 | 91,389 | 85,436 | 4,113 | 606 | 90,155 | 86,972 | 4,901 | 635 | 92,508 |
| Corporate Market | ||||||||||||
| Opening balance | 47,621 | 6,460 | 1,410 | 55,491 | 41,855 | 5,768 | 2,759 | 50,382 | 41,855 | 5,768 | 2,759 | 50,382 |
| Transfer to stage 1 | 846 | -834 | -12 | - | 250 | -235 | -15 | - | 2,090 | -2,045 | -45 | - |
| Transfer to stage 2 | -684 | 760 | -76 | - | -618 | 620 | -2 | - | -2,042 | 2,959 | -917 | - |
| Transfer to stage 3 | -16 | -41 | 57 | - | -70 | -80 | 149 | - | -97 | -88 | 185 | - |
| Net increase/decrease amount existing loans | 119 | -68 | 1 | 52 | 419 | -86 | -14 | 319 | -761 | -329 | -13 | -1,104 |
| New loans | 5,242 | 41 | 50 | 5,333 | 6,390 | 268 | 94 | 6,752 | 19,085 | 1,751 | 109 | 20,945 |
| Derecognitions | -3,431 | -211 | -66 | -3,708 | -4,078 | -467 | -304 | -4,849 | -12,507 | -1,546 | -577 | -14,629 |
| Financial assets with actual loan losses | 0 | 0 | -4 | -4 | 0 | 0 | -31 | -31 | -3 | -8 | -91 | -102 |
| Balance at 31 December | 49,696 | 6,108 | 1,359 | 57,163 | 44,148 | 5,788 | 2,636 | 52,573 | 47,621 | 6,460 | 1,410 | 55,491 |
| Closing balance | ||||||||||||
| Fixed interest loans at FV | 4,629 | 4,629 | 4,295 | 4,295 | 4,631 | 4,631 | ||||||
| Total gross loans at the end of the period | 140,557 | 10,559 | 2,065 | 153,181 | 133,879 | 9,901 | 3,243 | 147,023 | 139,224 | 11,361 | 2,044 | 152,629 |
