Note 10 Defaults and non-performing loans
The table shows the carrying amount of defaulted and non-performing loans, where the total defaulted loans are reported based on definitions under the Basel framework.
| PARENT BANK | GROUP | |||||
|---|---|---|---|---|---|---|
| 30.09.26 | 30.09.26 | |||||
| Retail customers | Corporate customers | Total | Retail customers | Corporate customers | Total | |
| 245 | 376 | 621 | Gross loans in defaults of payment exceeding 90 days | 502 | 893 | 1,395 |
| 190 | 2,499 | 2,689 | Gross other defaults and non performing loans | 471 | 2,940 | 3,411 |
| 434 | 2,875 | 3,309 | Gross default and non performing loans | 974 | 3,833 | 4,807 |
| -91 | -852 | -943 | - Total impairments stage 3 | -172 | -1,053 | -1,225 |
| 343 | 2,023 | 2,366 | Net default and other problem loans | 802 | 2,780 | 3,582 |
| PARENT BANK | GROUP | |||||
|---|---|---|---|---|---|---|
| 30.09.25 | 30.09.25 | |||||
| Retail customers | Corporate customers | Total | Retail customers | Corporate customers | Total | |
| 247 | 635 | 882 | Gross loans in defaults of payment exceeding 90 days | 430 | 1,102 | 1,532 |
| 136 | 1,119 | 1,254 | Gross other defaults and non performing loans | 367 | 1,485 | 1,852 |
| 382 | 1,754 | 2,136 | Gross default and non performing loans | 797 | 2,587 | 3,384 |
| -130 | -444 | -575 | - Total impairments stage 3 | -183 | -612 | -795 |
| 252 | 1,310 | 1,562 | Net default and other problem loans | 614 | 1,975 | 2,589 |
Age distribution of non-performing exposures
The table shows the book value of loans registered with default, where the default exceeds NOK 1,000 on one of the commitment's accounts and constitutes at least 1 % of the commitment size for the retail customers. The same criteria apply to corporate customers, but here the amount limit is NOK 2,000.
| PARENT BANK | GROUP | |||||
|---|---|---|---|---|---|---|
| 30.09.26 | 30.09.26 | |||||
| Retail customers | Corporate customers | Total | Retail customers | Corporate customers | Total | |
| 132 | 1,564 | 1,696 | Up to 30 days | 612 | 1,928 | 2,540 |
| 93 | 396 | 488 | 31-90 days | 194 | 544 | 739 |
| 245 | 376 | 621 | More than 90 days | 502 | 893 | 1,395 |
| 469 | 2,336 | 2,805 | Gross loans in payment default | 1,309 | 3,364 | 4,674 |
| PARENT BANK | GROUP | |||||
|---|---|---|---|---|---|---|
| 30.09.25 | 30.09.25 | |||||
| Retail customers | Corporate customers | Total | Retail customers | Corporate customers | Total | |
| 109 | 960 | 1,070 | Up to 30 days | 689 | 1,404 | 2,094 |
| 82 | 441 | 524 | 31-90 days | 222 | 532 | 753 |
| 247 | 635 | 882 | More than 90 days | 430 | 1,102 | 1,532 |
| 439 | 2,037 | 2,476 | Gross loans in payment default | 1,341 | 3,038 | 4,379 |