Note 8 - Gross loans
| 30 Sep 2024 | 30 Sep 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 | 1,045 | -1,018 | -27 | - | 990 | -965 | -25 | - | 895 | -868 | -27 | - |
| Transfer to stage 2 | -1,717 | 1,761 | -44 | - | -1,290 | 1,297 | -7 | - | -1,538 | 1,557 | 1 | - |
| Transfer to stage 3 | -68 | -194 | 262 | - | -21 | -136 | 158 | - | -38 | -156 | 194 | - |
| Net increase/decrease amount existing loans | -1,979 | -51 | -14 | -2,043 | -2,010 | -71 | -8 | -2,088 | -2,305 | -95 | -6 | -2,406 |
| New loans | 35,535 | 957 | 214 | 36,707 | 36,892 | 1,117 | 186 | 38,195 | 42,690 | 1,549 | 222 | 44,460 |
| Derecognitions | -32,159 | -1,351 | -220 | -33,730 | -24,578 | -1,119 | -137 | -25,835 | -29,797 | -1,395 | -149 | -31,342 |
| Financial assets with actual loan losses | 0 | -1 | -1 | -2 | -0 | -0 | -15 | -15 | 0 | 0 | -18 | -18 |
| Closing balance | 91,557 | 4,656 | 896 | 97,109 | 90,977 | 4,085 | 679 | 95,741 | 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 | 1,631 | -1,628 | -2 | - | 770 | -765 | -5 | - | 1,026 | -1,021 | -5 | - |
| Transfer to stage 2 | -2,304 | 2,452 | -148 | - | -2,491 | 2,491 | -1 | - | -2,669 | 2,670 | -1 | - |
| Transfer to stage 3 | -39 | -359 | 398 | - | -61 | -32 | 93 | - | -72 | -44 | 116 | - |
| Net increase/decrease amount existing loans | -718 | -134 | -15 | -868 | -70 | -333 | -6 | -409 | -1,099 | -485 | -10 | -1,594 |
| New loans | 16,894 | 1,641 | 249 | 18,784 | 12,734 | 618 | 308 | 13,660 | 17,922 | 816 | 351 | 19,089 |
| Derecognitions | -10,709 | -2,008 | -520 | -13,237 | -7,664 | -578 | -305 | -8,547 | -10,901 | -828 | -335 | -12,064 |
| Financial assets with actual loan losses | 0 | 1 | -27 | -26 | -5 | 0 | -10 | -15 | -7 | -2 | -298 | -307 |
| Closing balance | 52,081 | 6,954 | 1,100 | 60,134 | 46,338 | 7,284 | 1,422 | 55,045 | 47,327 | 6,988 | 1,165 | 55,480 |
| Fixed interest loans at FV | 9,331 | 9,331 | 5,631 | 5,631 | 5,582 | - | - | 5,582 | ||||
| Total gross loans at the end of the period | 152,969 | 11,610 | 1,995 | 166,575 | 142,946 | 11,370 | 2,101 | 156,417 | 143,809 | 11,541 | 1,890 | 157,240 |
| 30 Sep 2024 | 30 Sep 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 | 1,271 | -1,240 | -31 | - | 1,199 | -1,173 | -26 | - | 1,138 | -1,108 | -30 | - |
| Transfer to stage 2 | -2,182 | 2,238 | -55 | - | -1,722 | 1,734 | -12 | - | -1,955 | 1,978 | -23 | - |
| Transfer to stage 3 | -90 | -249 | 339 | - | -34 | -190 | 223 | - | -59 | -219 | 277 | - |
| Net increase/decrease amount existing loans | -1,948 | -111 | -23 | -2,083 | -1,902 | -124 | -17 | -2,043 | -2,272 | -165 | -20 | -2,457 |
| New loans | 38,076 | 1,103 | 222 | 39,401 | 39,456 | 1,302 | 189 | 40,947 | 45,658 | 1,781 | 231 | 47,670 |
| Derecognitions | -34,357 | -1,574 | -256 | -36,186 | -26,894 | -1,326 | -212 | -28,432 | -32,519 | -1,694 | -227 | -34,440 |
| Financial assets with actual loan losses | - | -1 | -1 | -2 | -0 | -0 | -15 | -15 | -0 | -0 | -18 | -18 |
| Closing balance | 97,733 | 5,640 | 1,020 | 104,392 | 97,075 | 5,124 | 765 | 102,964 | 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 | 1,792 | -1,785 | -7 | - | 990 | -980 | -10 | - | 1,207 | -1,199 | -8 | - |
| Transfer to stage 2 | -2,651 | 2,808 | -157 | - | -2,910 | 2,919 | -8 | - | -3,639 | 3,655 | -17 | - |
| Transfer to stage 3 | -83 | -408 | 491 | - | -79 | -67 | 146 | - | -101 | -80 | 180 | - |
| Net increase/decrease amount existing loans | -799 | -151 | -27 | -977 | -99 | -395 | -13 | -506 | -1,103 | -692 | -23 | -1,818 |
| New loans | 17,798 | 2,244 | 267 | 20,309 | 13,750 | 715 | 322 | 14,787 | 19,159 | 1,339 | 368 | 20,866 |
| Derecognitions | -11,536 | -2,362 | -560 | -14,458 | -8,332 | -683 | -313 | -9,329 | -11,811 | -949 | -354 | -13,114 |
| Financial assets with actual loan losses | 0 | 1 | -27 | -26 | -5 | 0 | -10 | -15 | -7 | -2 | -297 | -306 |
| Closing balance | 55,848 | 8,880 | 1,240 | 65,968 | 50,936 | 7,968 | 1,524 | 60,428 | 51,327 | 8,533 | 1,259 | 61,119 |
| Fixed interest loans at FV | 9,230 | 9,230 | 5,548 | 5,548 | 5,480 | 5,480 | ||||||
| Total gross loans at the end of the period | 162,810 | 14,520 | 2,260 | 179,590 | 153,559 | 13,093 | 2,289 | 168,940 | 153,770 | 14,007 | 2,085 | 169,862 |
