Note 4

GROUP	Total	Retail	Corporate	Total	Retail	Corporate	Total	Retail	Corporate
Problem loans
(total of commitments in default above 3 months and commitments subject for individual impairment without being in default)
	31.03.2017			31.03.2016			31.12.2016
Problem loans prior to individual impairment:
Commitments in default above 3 months	71	54	17	56	31	25	65	45	20
Other bad and doubtful commitments subject to impairment	104	27	77	157	27	130	546	24	522
Total problem loans prior to individual impairment	175	81	94	213	58	155	611	69	542
Individual impairment on:
Commitments in default above 3 months	5	3	2	11	3	8	15	3	12
Other bad and doubtful commitments subject to impairment	49	9	40	61	10	51	64	10	54
Total individual impairment	54	12	42	72	13	59	79	13	66
Problem loans after individual impairment:
Commitments in default above 3 months	66	51	15	45	28	17	50	42	8
Other bad and doubtful commitments subject to impairment	55	18	37	96	17	79	482	14	468
Total problem loans less individual impairment	121	69	52	141	45	96	532	56	476

Total problem loans prior to individual impairment as a percentage of total loans	0.32	0.21	0.58	0.41	0.17	0.94	1.16	0.19	3.45
Total problem loans less individual impairment as a percentage of total loans	0.22	0.18	0.32	0.27	0.13	0.58	1.01	0.15	3.03