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
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  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
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