Note 9 - Gross loans
| 31 Dec 2023 | 31 Dec 2022 | |||||||
| Parent Bank (NOKm) | 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 |
| Transfer to stage 1 | 895 | -868 | -27 | - | 1,075 | -1,060 | -15 | - |
| Transfer to stage 2 | -1,538 | 1,557 | -18 | - | -1,403 | 1,411 | -8 | - |
| Transfer to stage 3 | -38 | -156 | 194 | - | -32 | -119 | 150 | - |
| Net increase/decrease amount existing loans | -2,305 | -95 | -6 | -2,406 | -2,501 | -106 | -15 | -2,623 |
| New loans | 42,690 | 1,549 | 222 | 44,460 | 38,691 | 1,418 | 120 | 40,229 |
| Derecognitions | -29,797 | -1,395 | -149 | -31,342 | -37,136 | -1,473 | -137 | -38,746 |
| Financial assets with actual loan losses | 0 | 0 | -18 | -18 | -0 | -1 | -11 | -12 |
| Closing balance | 90,901 | 4,553 | 725 | 96,178 | 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 |
| Transfer to stage 1 | 1,026 | -1,021 | -5 | - | 1,839 | -1,820 | -19 | - |
| Transfer to stage 2 | -2,669 | 2,670 | -1 | - | -1,699 | 2,606 | -908 | - |
| Transfer to stage 3 | -72 | -44 | 116 | - | -67 | -72 | 139 | - |
| Net increase/decrease amount existing loans | -1,099 | -485 | -10 | -1,594 | -731 | -257 | -3 | -990 |
| New loans | 17,922 | 816 | 351 | 19,089 | 17,124 | 1,661 | 86 | 18,872 |
| Derecognitions | -10,901 | -828 | -335 | -12,064 | -11,697 | -1,415 | -514 | -13,625 |
| Financial assets with actual loan losses | -7 | -2 | -298 | -307 | -3 | -8 | -91 | -102 |
| Closing balance | 47,327 | 6,988 | 1,165 | 55,480 | 43,127 | 5,883 | 1,346 | 50,356 |
| Fixed interest loans at FV | 5,582 | 5,582 | 4,709 | 4,709 | ||||
| Total gross loans at the end of the period | 143,809 | 11,541 | 1,890 | 157,240 | 128,830 | 9,845 | 1,874 | 140,549 |
| 31 Dec 2023 | 31 Dec 2022 | |||||||
| Group (NOKm) | 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 |
| Transfer to stage 1 | 1,138 | -1,108 | -30 | - | 1,278 | -1,261 | -17 | - |
| Transfer to stage 2 | -1,955 | 1,978 | -23 | - | -1,771 | 1,784 | -13 | - |
| Transfer to stage 3 | -59 | -219 | 277 | - | -40 | -151 | 190 | - |
| Net increase/decrease amount existing loans | -2,272 | -165 | -20 | -2,457 | -2,177 | -170 | -25 | -2,372 |
| New loans | 45,658 | 1,781 | 231 | 47,670 | 41,570 | 1,801 | 129 | 43,500 |
| Derecognitions | -32,519 | -1,694 | -227 | -34,440 | -39,465 | -1,714 | -150 | -41,329 |
| Financial assets with actual loan losses | -0 | -0 | -18 | -18 | -0 | -1 | -11 | -12 |
| Closing balance | 96,963 | 5,474 | 825 | 103,263 | 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 |
| Transfer to stage 1 | 1,207 | -1,199 | -8 | - | 2,090 | -2,045 | -45 | - |
| Transfer to stage 2 | -3,639 | 3,655 | -17 | - | -2,042 | 2,959 | -917 | - |
| Transfer to stage 3 | -101 | -80 | 180 | - | -97 | -88 | 185 | - |
| Net increase/decrease amount existing loans | -1,103 | -692 | -23 | -1,818 | -761 | -329 | -13 | -1,104 |
| New loans | 19,159 | 1,339 | 368 | 20,866 | 19,085 | 1,751 | 109 | 20,945 |
| Derecognitions | -11,811 | -949 | -354 | -13,114 | -12,507 | -1,546 | -577 | -14,629 |
| Financial assets with actual loan losses | -7 | -2 | -297 | -306 | -3 | -8 | -91 | -102 |
| Closing balance | 51,327 | 8,533 | 1,259 | 61,119 | 47,621 | 6,460 | 1,410 | 55,491 |
| Fixed interest loans at FV | 5,480 | 5,480 | 4,631 | 4,631 | ||||
| Total gross loans at the end of the period | 153,770 | 14,007 | 2,085 | 169,862 | 139,224 | 11,361 | 2,044 | 152,629 |
