Note 8 - Gross Loans
| 31 Mar 2024 | 31 Mar 2023 | 31 Dec 2023 | ||||||||||
| 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 | 90,901 | 4,553 | 725 | 96,178 | 80,994 | 3,962 | 527 | 85,484 | 80,994 | 3,962 | 527 | 85,484 |
| Transfer to stage 1 | 880 | -868 | -13 | - | 1,061 | -1,048 | -14 | - | 895 | -868 | -27 | - |
| Transfer to stage 2 | -875 | 889 | -14 | - | -1,003 | 1,010 | -7 | - | -1,538 | 1,557 | 1 | - |
| Transfer to stage 3 | -5 | -111 | 116 | - | -2 | -95 | 97 | - | -38 | -156 | 194 | - |
| Net increase/decrease amount existing loans | -1,184 | -45 | -17 | -1,246 | -973 | -33 | -2 | -1,007 | -2,305 | -95 | -6 | -2,406 |
| New loans | 12,389 | 281 | 72 | 12,743 | 11,257 | 205 | 49 | 11,511 | 42,690 | 1,549 | 222 | 44,460 |
| Derecognitions | -12,729 | -525 | -93 | -13,346 | -11,250 | -489 | -59 | -11,798 | -29,797 | -1,395 | -149 | -31,342 |
| Financial assets with actual loan losses | 0 | 0 | -1 | -1 | -0 | - | -8 | -8 | 0 | 0 | -18 | -18 |
| Closing balance | 89,377 | 4,175 | 775 | 94,327 | 80,085 | 3,514 | 583 | 84,181 | 90,901 | 4,553 | 725 | 96,178 |
| Corporate Market | ||||||||||||
| Opening balance | 47,327 | 6,988 | 1,165 | 55,480 | 43,127 | 5,883 | 1,346 | 50,356 | 43,127 | 5,883 | 1,346 | 50,356 |
| Transfer to stage 1 | 249 | -245 | -5 | - | 791 | -787 | -4 | - | 1,026 | -1,021 | -5 | - |
| Transfer to stage 2 | -1,008 | 1,008 | -0 | - | -625 | 700 | -76 | - | -2,669 | 2,670 | -1 | - |
| Transfer to stage 3 | -4 | -31 | 35 | - | -11 | -16 | 27 | - | -72 | -44 | 116 | - |
| Net increase/decrease amount existing loans | -131 | -55 | -3 | -189 | 106 | -66 | 2 | 42 | -1,099 | -485 | -10 | -1,594 |
| New loans | 6,193 | 1,257 | 188 | 7,638 | 4,732 | 30 | 47 | 4,810 | 17,922 | 816 | 351 | 19,089 |
| Derecognitions | -4,768 | -1,370 | -408 | -6,546 | -3,147 | -162 | -50 | -3,360 | -10,901 | -828 | -335 | -12,064 |
| Financial assets with actual loan losses | 0 | 0 | -3 | -3 | 0 | 0 | -5 | -5 | -7 | -2 | -298 | -307 |
| Closing balance | 47,858 | 7,553 | 969 | 56,380 | 44,972 | 5,582 | 1,288 | 51,843 | 47,327 | 6,988 | 1,165 | 55,480 |
| Fixed interest loans at FV | 5,909 | 5,909 | 4,707 | 4,707 | 5,582 | - | - | 5,582 | ||||
| Total gross loans at the end of the period | 143,145 | 11,727 | 1,744 | 156,617 | 129,764 | 9,096 | 1,872 | 140,731 | 143,809 | 11,541 | 1,890 | 157,240 |
| 31 Mar 2024 | 31 Mar 2023 | 31 Dec 2023 | ||||||||||
| 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 | 96,963 | 5,474 | 825 | 103,263 | 86,972 | 4,901 | 635 | 92,508 | 86,972 | 4,901 | 635 | 92,508 |
| Transfer to stage 1 | 1,223 | -1,209 | -13 | - | 1,180 | -1,167 | -14 | - | 1,138 | -1,108 | -30 | - |
| Transfer to stage 2 | -1,052 | 1,070 | -18 | - | -1,219 | 1,229 | -10 | - | -1,955 | 1,978 | -23 | - |
| Transfer to stage 3 | -11 | -145 | 156 | - | -5 | -120 | 124 | - | -59 | -219 | 277 | - |
| Net increase/decrease amount existing loans | -1,159 | -51 | -19 | -1,229 | -902 | -40 | -3 | -944 | -2,272 | -165 | -20 | -2,457 |
| New loans | 13,231 | 301 | 73 | 13,605 | 12,195 | 229 | 50 | 12,474 | 45,658 | 1,781 | 231 | 47,670 |
| Derecognitions | -13,502 | -600 | -108 | -14,210 | -11,990 | -581 | -69 | -12,640 | -32,519 | -1,694 | -227 | -34,440 |
| Financial assets with actual loan losses | - | - | -1 | -1 | -0 | - | -8 | -8 | -0 | -0 | -18 | -18 |
| Closing balance | 95,694 | 4,839 | 895 | 101,428 | 86,232 | 4,451 | 705 | 91,389 | 96,963 | 5,474 | 825 | 103,263 |
| Corporate Market | ||||||||||||
| Opening balance | 51,327 | 8,533 | 1,259 | 61,119 | 47,621 | 6,460 | 1,410 | 55,491 | 47,621 | 6,460 | 1,410 | 55,491 |
| Transfer to stage 1 | 332 | -323 | -9 | - | 846 | -834 | -12 | - | 1,207 | -1,199 | -8 | - |
| Transfer to stage 2 | -1,132 | 1,137 | -5 | - | -684 | 760 | -76 | - | -3,639 | 3,655 | -17 | - |
| Transfer to stage 3 | -10 | -54 | 64 | - | -16 | -41 | 57 | - | -101 | -80 | 180 | - |
| Net increase/decrease amount existing loans | -97 | -61 | -4 | -162 | 119 | -68 | 1 | 52 | -1,103 | -692 | -23 | -1,818 |
| New loans | 6,668 | 1,367 | 188 | 8,223 | 5,242 | 41 | 50 | 5,333 | 19,159 | 1,339 | 368 | 20,866 |
| Derecognitions | -5,137 | -1,530 | -421 | -7,088 | -3,431 | -211 | -66 | -3,708 | -11,811 | -949 | -354 | -13,114 |
| Financial assets with actual loan losses | 0 | 0 | -3 | -3 | 0 | 0 | -4 | -4 | -7 | -2 | -297 | -306 |
| Balance at 31 December | 51,952 | 9,068 | 1,069 | 62,089 | 49,696 | 6,108 | 1,359 | 57,163 | 51,327 | 8,533 | 1,259 | 61,119 |
| Closing balance | ||||||||||||
| Fixed interest loans at FV | 5,809 | 5,809 | 4,629 | 4,629 | 5,480 | 5,480 | ||||||
| Total gross loans at the end of the period | 153,455 | 13,907 | 1,964 | 169,326 | 140,557 | 10,559 | 2,065 | 153,181 | 153,770 | 14,007 | 2,085 | 169,862 |
