Note 8 - Gross Loans
| 30 Jun 2024 | 30 Jun 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 | 1,024 | -1,009 | -15 | - | 1,128 | -1,113 | -15 | - | 895 | -868 | -27 | - |
| Transfer to stage 2 | -1,415 | 1,457 | -41 | - | -1,142 | 1,150 | -9 | - | -1,538 | 1,557 | 1 | - |
| Transfer to stage 3 | -51 | -146 | 197 | - | -33 | -123 | 156 | - | -38 | -156 | 194 | - |
| Net increase/decrease amount existing loans | -1,585 | -34 | -7 | -1,626 | -1,578 | -46 | -11 | -1,636 | -2,305 | -95 | -6 | -2,406 |
| New loans | 27,414 | 609 | 183 | 28,206 | 28,123 | 778 | 174 | 29,075 | 42,690 | 1,549 | 222 | 44,460 |
| Derecognitions | -24,225 | -1,010 | -171 | -25,405 | -18,713 | -814 | -116 | -19,643 | -29,797 | -1,395 | -149 | -31,342 |
| Financial assets with actual loan losses | 0 | 0 | -1 | -1 | -0 | -0 | -14 | -14 | 0 | 0 | -18 | -18 |
| Closing balance | 92,063 | 4,419 | 870 | 97,351 | 88,779 | 3,794 | 693 | 93,266 | 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 | 1,208 | -1,206 | -2 | - | 952 | -930 | -21 | - | 1,026 | -1,021 | -5 | - |
| Transfer to stage 2 | -1,615 | 1,758 | -143 | - | -2,226 | 2,284 | -58 | - | -2,669 | 2,670 | -1 | - |
| Transfer to stage 3 | -24 | -27 | 51 | - | -7 | -58 | 65 | - | -72 | -44 | 116 | - |
| Net increase/decrease amount existing loans | -622 | -82 | -23 | -727 | -132 | 156 | 15 | 39 | -1,099 | -485 | -10 | -1,594 |
| New loans | 11,581 | 642 | 182 | 12,405 | 10,729 | 425 | 139 | 11,294 | 17,922 | 816 | 351 | 19,089 |
| Derecognitions | -7,465 | -1,822 | -446 | -9,734 | -5,713 | -352 | -68 | -6,134 | -10,901 | -828 | -335 | -12,064 |
| Financial assets with actual loan losses | 0 | 0 | -15 | -15 | 0 | 0 | -6 | -6 | -7 | -2 | -298 | -307 |
| Closing balance | 50,391 | 6,249 | 770 | 57,410 | 46,729 | 7,407 | 1,413 | 55,549 | 47,327 | 6,988 | 1,165 | 55,480 |
| Fixed interest loans at FV | 5,984 | - | - | 5,984 | 5,550 | - | - | 5,550 | 5,582 | - | - | 5,582 |
| Total gross loans at the end of the period | 148,437 | 10,668 | 1,640 | 160,745 | 129,764 | 11,201 | 2,106 | 154,366 | 143,809 | 11,541 | 1,890 | 157,240 |
| 30 Jun 2024 | 30 Jun 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 | 1,387 | -1,368 | -18 | - | 1,305 | -1,289 | -15 | - | 1,138 | -1,108 | -30 | - |
| Transfer to stage 2 | -1,635 | 1,682 | -47 | - | -1,520 | 1,533 | -12 | - | -1,955 | 1,978 | -23 | - |
| Transfer to stage 3 | -68 | -197 | 264 | - | -40 | -173 | 213 | - | -59 | -219 | 277 | - |
| Net increase/decrease amount existing loans | -1,558 | -51 | -12 | -1,622 | -1,459 | -77 | -17 | -1,552 | -2,272 | -165 | -20 | -2,457 |
| New loans | 29,187 | 659 | 185 | 30,031 | 29,980 | 886 | 176 | 31,042 | 45,658 | 1,781 | 231 | 47,670 |
| Derecognitions | -25,795 | -1,137 | -198 | -27,130 | -20,292 | -994 | -181 | -21,467 | -32,519 | -1,694 | -227 | -34,440 |
| Financial assets with actual loan losses | - | -0 | -1 | -1 | -0 | -0 | -14 | -14 | -0 | -0 | -18 | -18 |
| Closing balance | 98,480 | 5,062 | 997 | 104,540 | 94,946 | 4,786 | 785 | 100,517 | 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 | 1,317 | -1,309 | -7 | - | 1,041 | -1,013 | -28 | - | 1,207 | -1,199 | -8 | - |
| Transfer to stage 2 | -1,800 | 1,947 | -148 | - | -2,458 | 2,523 | -64 | - | -3,639 | 3,655 | -17 | - |
| Transfer to stage 3 | -45 | -66 | 111 | - | -17 | -92 | 109 | - | -101 | -80 | 180 | - |
| Net increase/decrease amount existing loans | -659 | -99 | -28 | -786 | -145 | 129 | 11 | -5 | -1,103 | -692 | -23 | -1,818 |
| New loans | 12,348 | 895 | 188 | 13,431 | 11,490 | 489 | 147 | 12,126 | 19,159 | 1,339 | 368 | 20,866 |
| Derecognitions | -8,037 | -2,074 | -470 | -10,581 | -6,267 | -436 | -73 | -6,777 | -11,811 | -949 | -354 | -13,114 |
| Financial assets with actual loan losses | 0 | 0 | -15 | -15 | 0 | 0 | -5 | -5 | -7 | -2 | -297 | -306 |
| Balance at 31 December | 54,451 | 7,827 | 891 | 63,169 | 51,264 | 8,059 | 1,506 | 60,829 | 51,327 | 8,533 | 1,259 | 61,119 |
| Closing balance | ||||||||||||
| Fixed interest loans at FV | 5,732 | - | - | 5,732 | 5,473 | - | - | 5,473 | 5,480 | - | - | 5,480 |
| Total gross loans at the end of the period | 158,663 | 12,889 | 1,888 | 173,440 | 151,682 | 12,846 | 2,291 | 166,819 | 153,770 | 14,007 | 2,085 | 169,862 |
2nd quarter 2024
- Main figures
- Report of the Board of Directors
- Income statement
- Balance sheet
- Cash flow statement
- Change in equity
- Notes
- Results from quarterly accounts
- Key figures from quarterly accounts
- Statement in compliance with the securities trading act, section 5-6
- Equity capital certificates
- Auditor's report