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)
	30.09.2016			30.09.2015			31.12.2015
Problem loans prior to individual impairment:
Commitments in default above 3 months	84	47	37	82	50	32	74	39	35
Other bad and doubtful commitments subject to impairment	141	15	126	153	34	119	170	28	142
Total problem loans prior to individual impairment	225	62	163	235	84	151	244	67	177
Individual impairment on:
Commitments in default above 3 months	13	3	10	17	7	10	14	2	12
Other bad and doubtful commitments subject to impairment	57	10	47	69	12	57	65	10	55
Total individual impairment	70	13	57	86	19	67	79	12	67
Problem loans after individual impairment:
Commitments in default above 3 months	71	44	27	65	43	22	60	37	23
Other bad and doubtful commitments subject to impairment	84	5	79	84	22	62	105	18	87
Total problem loans less individual impairment	155	49	106	149	65	84	165	55	110

Total problem loans prior to individual impairment as a percentage of total loans	0,43	0,17	1,05	0,46	0,24	0,88	0,47	0,19	1,07
Total problem loans less individual impairment as a percentage of total loans	0,30	0,13	0,68	0,29	0,19	0,49	0,32	0,15	0,67