Note 3

Losses and impairment on loans and guarantees
Specification of losses on loans, guarantees etc.   
 Q1 2016Q1 201531.12.2015
Changes in individual impairment of loans and guarantees during the period-7-4-60
Changes in collective impairment during the period01096
Confirmed losses during the period where individual impairment had previously been made6313
Confirmed losses during the period where individual impairment had previously not been made1113
Recoveries2212
Losses on loans, guarantees etc.-2850
    
    
Individual impairment on loans
 Q1 2016Q1 201531.12.2015
Individual impairment on loans as at 01.01/01.1079141141
Confirmed losses during the period, where individual impairment had previously been made6313
Increase in individual impairment during the period039
Individual impairment of new commitments during the period3822
Recoveries on individual impairment during the period41080
Individual impairment on loans at the end of the period7213979
    
    
Collective impairment on loans
 Q1 2016Q1 201531.12.2015
Collective impairment of loans as at 01.01/01.10262166166
Changes during the period01096
Collective impairment on loans at the end of the period262176262
    
    
Individual impairment on guarantees
 Q1 2016Q1 201531.12.2015
Individual impairment as at 01.01/01.10022
Individual impairment during the period000
Recoveries on individual impairment during the period012
Individual impairment at the end of the period010