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 2023 (NOK million)	Notes	Lowest risk	Low risk	Medium risk	High risk	Highest risk	Defaulted or credit impared	Total
Loans to and claims on credit institutions	7	19,241	-	-	-	-	-	19,241

Loans to and claims on customers	8
Retail market		86,719	8,702	3,488	818	1,197	731	101,655
Corporate market		25,227	11,750	15,083	1,371	989	1,165	55,585
Total		111,946	20,452	18,570	2,189	2,186	1,897	157,240

Financial investments	27
Quoted government and government guaranteed bonds		8,546	-	-	-	-	-	8,546
Quoted other bonds		16,566	440	5	-	-	-	17,011
Unquoted government and government guaranteed bonds		5,323	-	-	-	-	-	5,323
Unquoted other bonds		3,282	-	-	-	-	-	3,282
Total		33,717	440	5	-	-	-	34,163

Total		164,904	20,893	18,575	2,189	2,186	1,897	210,644


		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	Defaulted or credit impared	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

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Group
		Neither defaulted nor written down					Defaulted or credit impared
31 Dec 2023 (NOK million)	Notes	Lowest risk	Low risk	Medium risk	High risk	Highest risk	Defaulted or credit impared	Total
Loans to and claims on credit institutions	7	8,746	-	-	-	-	-	8,746

Loans to and claims on customers	8
Retail market		86,721	10,255	8,029	1,308	1,596	831	108,740
Corporate market		25,460	12,853	17,959	2,236	1,355	1,259	61,122
Total		112,181	23,108	25,988	3,544	2,951	2,091	169,862

Financial investments	27
Quoted government and government guaranteed bonds		8,546	-	-	-	-	-	8,546
Quoted other bonds		16,566	440	5	-	-	-	17,011
Unquoted government and government guaranteed bonds		5,323	-	-	-	-	-	5,323
Unquoted other bonds		3,283	-	-	-	-	-	3,283
Total		33,718	440	5	-	-	-	34,163

Total		154,644	23,548	25,993	3,544	2,951	2,091	212,771


		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	Defaulted or credit impared	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		24,716	11,990	14,635	2,162	976	1,454	55,932
Total		102,648	21,086	21,670	3,252	2,366	2,049	153,072

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		151,757	21,517	21,867	3,252	2,366	2,049	202,808

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Note 13 - Credit quality per class of financial assets

Financial results

Annual report and notes

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