Note 13 - Credit quality per class of financial assets

The Bank handles the credit quality of financial assets by means of its internal guidlines for credit ratings. See section entitled credit risk under Note 6 Risk factors.

The table below shows credit quality per class of assets for loan-related assets in the balance sheet, based on the Bank's own credit rating system. The entire loan exposure is included when parts of the exposure are defaulted. Non-performance is defined in the note as default of payment of NOK 1,000 or more for more than 90 days.

Parent Bank                
     Neither defaulted nor written down  Defaulted
or
credit
impared		  
31 Dec 2021 (NOK million) Notes Lowest
risk		 Low
risk		 Medium
risk		 High
risk		 Highest
risk		  Total
Loans to and claims on credit institutions 7 13,190 -  -  -  -  -  13,190
                 
Loans to and claims on customers 8              
Retail market   77,289 8,252 2,970 907 963 450 90,831
Corporate market   20,922 12,160 9,040 1,142 362 2,656 46,282
Total   98,211 20,413 12,010 2,049 1,325 3,106 137,113
                 
Financial investments 27              
Quoted government and government guaranteed bonds   8,821 -  -  -  -  -  8,821
Quoted other bonds   13,725 325 220 -  -  -  14,269
Unquoted government and government guaranteed bonds   3,456 -  -  -  -  -  3,456
Unquoted other bonds   4,155 61 -  -  -  -  4,216
Total   30,157 385 220 -  -  -  30,762
                 
Total   141,558 20,798 12,229 2,049 1,325 3,106 181,065
                 
                 
     Neither defaulted nor written down  Defaulted
or
credit
impared		  
31 Dec 2020 (NOK million) Notes Lowest
risk		 Low
risk		 Medium
risk		 High
risk		 Highest
risk		  Total 
Loans to and claims on credit institutions 7 12,901 -  -  -  -  -  12,901
                 
Loans to and claims on customers 8              
Retail market   67,453 8,954 3,423 1,029 1,138 383 82,380
Corporate market   18,797 12,161 8,974 1,193 454 1,702 43,280
Total   86,250 21,115 12,398 2,222 1,592 2,084 125,660
                 
Financial investments 27              
Quoted government and government guaranteed bonds   9,298 -  -  -  -  -  9,298
Quoted other bonds   9,724 3,713 473 328 -  -  14,239
Unquoted government and government guaranteed bonds   -  -  -  -  -  -  - 
Unquoted other bonds   82 3,066 -  -  -  -  3,147
Total   19,104 6,779 473 328 -  -  26,684
                 
Total   118,255 27,894 12,871 2,550 1,592 2,084 165,246
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Group                
     Neither defaulted nor written down  Defaulted
or
credit
impared		  
31 Dec 2021 (NOK million) Notes Lowest
risk		 Low
risk		 Medium
risk		 High
risk		 Highest
risk		  Total 
Loans to and claims on credit institutions 7 4,704 -  -  -  -  -  4,704
                 
Loans to and claims on customers 8              
Retail market   77,595 9,598 6,868 1,158 1,161 537 96,916
Corporate market   21,054 12,788 11,514 1,573 696 2,759 50,384
Total   98,649 22,386 18,381 2,731 1,857 3,296 147,301
                 
Financial investments 27              
Quoted government and government guaranteed bonds   8,821 -  -  -  -  -  8,821
Quoted other bonds   13,725 325 220 -  -  -  14,269
Unquoted government and government guaranteed bonds   3,456 -  -  -  -  -  3,456
Unquoted other bonds   4,155 61 -  -  -  -  4,216
Total   30,157 385 220 -  -  -  30,762
                 
Total   133,510 22,771 18,601 2,731 1,857 3,296 182,767
                 
                 
     Neither defaulted nor written down  Defaulted
or
credit
impared		  
31 Dec 2020 (NOK million) Notes Lowest
risk		 Low
risk		 Medium
risk		 High
risk		 Highest
risk		  Total 
Loans to and claims on credit institutions 7 5,091 -  -  -  -  -  5,091
                 
Loans to and claims on customers 8              
Retail market   67,560 10,196 7,233 1,323 1,374 455 88,139
Corporate market   18,248 12,823 11,169 1,702 764 1,802 46,509
Total   85,808 23,018 18,402 3,025 2,138 2,257 134,648
                 
Financial investments 27              
Quoted government and government guaranteed bonds   9,298 -  -  -  -  -  9,298
Quoted other bonds   9,724 3,713 473 328 -  -  14,239
Unquoted government and government guaranteed bonds   -  -  -  -  -  -  - 
Unquoted other bonds   3 3,066 -  -  -  -  3,069
Total   19,026 6,779 473 328 -  -  26,606
                 
Total   109,925 29,797 18,875 3,353 2,138 2,257 166,346
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