Note 9 - Gross Loans

  30 Jun 2023 30 Jun 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 1,128 -1,113 -15 - 1,149 -1,132 -17 - 1,075 -1,060 -15 -
Transfer to stage 2 -1,142 1,150 -9 - -1,083 1,090 -7 - -1,403 1,411 1 -
Transfer to stage 3 -33 -123 156 - -25 -88 113 - -32 -119 150 -
Net increase/decrease amount existing loans  -1,578 -46 -11 -1,636 -1,794 -73 -15 -1,881 -2,501 -106 -15 -2,623
New loans 28,123 778 174 29,075 23,988 403 49 24,439 38,691 1,418 120 40,229
Derecognitions -18,713 -814 -116 -19,643 -24,746 -943 -86 -25,774 -37,136 -1,473 -137 -38,746
Financial assets with actual loan losses 0 0 -14 -14 - - -6 -6 -0 -1 -11 -12
Closing balance 88,779 3,794 693 93,266 79,789 3,150 474 83,413 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 1 952 -930 -21 - 574 -572 -3 - 1,839 -1,820 -19 -
Transfer to stage 2 -2,226 2,284 -58 - -1,082 1,953 -871 - -1,699 2,606 -908 -
Transfer to stage 3 -7 -58 65 - -64 -72 136 - -67 -72 139 -
Net increase/decrease amount existing loans  -132 156 15 39 929 -188 88 829 -731 -257 -3 -990
New loans 10,729 425 139 11,294 9,329 766 132 10,227 17,124 1,661 86 18,872
Derecognitions -5,713 -352 -68 -6,134 -5,986 -849 -503 -7,337 -11,697 -1,415 -514 -13,625
Financial assets with actual loan losses 0 0 -6 -6 -2 -4 -59 -66 -3 -8 -91 -102
Closing balance 46,729 7,407 1,413 55,549 42,057 6,221 1,577 49,855 43,127 5,883 1,346 50,356
                         
Fixed interest loans at FV 5,550     5,550 4,559     4,559 4,709 - - 4,709
Total gross loans at the end of the period 141,059 11,201 2,106 154,366 126,405 9,371 2,051 137,827 128,830 9,845 1,874 140,549
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  30 Jun 2023 30 Jun 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 1,305 -1,289 -15 - 1,321 -1,303 -18 - 1,278 -1,261 -17 -
Transfer to stage 2 -1,520 1,533 -12 - -1,348 1,358 -11 - -1,771 1,784 -13 -
Transfer to stage 3 -40 -173 213 - -29 -112 141 - -40 -151 190 -
Net increase/decrease amount existing loans  -1,459 -77 -17 -1,552 -1,541 -99 -18 -1,658 -2,177 -170 -25 -2,372
New loans 29,980 886 176 31,042 25,877 501 61 26,439 41,570 1,801 129 43,500
Derecognitions -20,292 -994 -181 -21,467 -26,335 -1,083 -93 -27,512 -39,465 -1,714 -150 -41,329
Financial assets with actual loan losses -0 -0 -14 -14 - - -6 -6 -0 -1 -11 -12
Closing balance 94,946 4,786 785 100,517 85,522 3,875 587 89,984 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 1,041 -1,013 -28 - 722 -714 -7 - 2,090 -2,045 -45 -
Transfer to stage 2 -2,458 2,523 -64 - -1,233 2,115 -882 - -2,042 2,959 -917 -
Transfer to stage 3 -17 -92 109 - -70 -85 155 - -97 -88 185 -
Net increase/decrease amount existing loans  -145 129 11 -5 760 -208 86 638 -761 -329 -13 -1,104
New loans 11,490 489 147 12,126 9,961 805 144 10,910 19,085 1,751 109 20,945
Derecognitions -6,267 -436 -73 -6,777 -6,157 -938 -553 -7,647 -12,507 -1,546 -577 -14,629
Financial assets with actual loan losses 0 0 -5 -5 -2 -4 -59 -66 -3 -8 -91 -102
Balance at 31 December 51,264 8,059 1,506 60,829 45,834 6,740 1,643 54,216 47,621 6,460 1,410 55,491
Closing balance                        
Fixed interest loans at FV 5,473     5,473 4,481     4,481 4,631     4,631
Total gross loans at the end of the period 151,682 12,846 2,291 166,819 135,837 10,615 2,229 148,681 139,224 11,361 2,044 152,629
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