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 2022 (NOK million) Notes Lowest
risk		 Low
risk		 Medium
risk		 High
risk		 Highest
risk		  Total 
Loans to and claims on credit institutions 7 21,972 -  -  -  -  -  21,972
                 
Loans to and claims on customers 8              
Retail market   77,371 7,432 3,025 711 1,046 531 90,116
Corporate market   23,857 11,132 12,058 1,488 551 1,346 50,433
Total   101,227 18,564 15,083 2,200 1,597 1,878 140,549
                 
Financial investments 27              
Quoted government and government guaranteed bonds   9,167 -  -  -  -  -  9,167
Quoted other bonds   14,496 429 197 -  -  -  15,121
Unquoted government and government guaranteed bonds   4,378 -  -  -  -  -  4,378
Unquoted other bonds   9,404 2 -  -  -  -  9,406
Total   37,445 430 197 -  -  -  38,072
                 
Total   160,644 18,994 15,280 2,200 1,597 1,878 200,593
                 
                 
     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
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Group                
     Neither defaulted nor written down  Defaulted
or credit
impared		  
31 Dec 2022 (NOK million) Notes Lowest
risk		 Low
risk		 Medium
risk		 High
risk		 Highest
risk		  Total 
Loans to and claims on credit institutions 7 11,663 -  -  -  -  -  11,663
                 
Loans to and claims on customers 8              
Retail market   77,932 9,096 7,035 1,090 1,391 595 97,140
Corporate market   24,273 11,990 14,635 2,162 976 1,454 55,490
Total   102,206 21,086 21,670 3,252 2,366 2,049 152,629
                 
Financial investments 27              
Quoted government and government guaranteed bonds   9,167 -  -  -  -  -  9,167
Quoted other bonds   14,496 429 197 -  -  -  15,121
Unquoted government and government guaranteed bonds   4,378 -  -  -  -  -  4,378
Unquoted other bonds   9,405 2 -  -  -  -  9,407
Total   37,446 430 197 -  -  -  38,073
                 
Total   151,315 21,517 21,867 3,252 2,366 2,049 202,365
                 
                 
     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
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