Note 7 - Losses on loans and guarantees

	First half						Second Quarter
	2023			2022			2023			2022			2022
Parent Bank (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total	RM	CM	Total	RM	CM	Total
Change in provision for expected credit losses	12	-51	-39	-7	-75	-82	7	41	48	-1	-62	-64	29	-97	-68
Actual loan losses on commitments exceeding provisions made	8	7	15	1	32	33	3	0	4	0	14	14	7	38	45
Recoveries on commitments previously written-off	-26	-24	-50	-4	-5	-8	-24	-23	-48	-1	-2	-3	-7	-7	-14
Losses for the period on loans and guarantees	-5	-68	-73	-10	-48	-57	-14	18	4	-2	-51	-53	29	-66	-37

	First half						Second Quarter
	2023			2022			2023			2022			2022
Group (NOKm)	RM	CM	Total	RM	CM	Total	RM	CM	Total	RM	CM	Total	RM	CM	Total
Change in provision for expected credit losses	15	-43	-27	-4	-77	-81	7	48	56	0	-65	-64	38	-86	-48
Actual loan losses on commitments exceeding provisions made	42	15	56	4	37	41	37	6	42	2	18	20	13	45	58
Recoveries on commitments previously written-off	-45	-26	-71	-4	-5	-8	-43	-25	-69	-1	-2	-3	-7	-10	-17
Losses for the period on loans and guarantees	12	-54	-42	-4	-44	-48	1	28	29	1	-49	-48	44	-51	-7