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)
	31.03.2016			31.03.2015			31.12.2015
Problem loans prior to individual impairment:
Commitments in default above 3 months	56	31	25	90	54	36	74	39	35
Other bad and doubtful commitments subject to impairment	157	27	130	300	30	270	170	28	142
Total problem loans prior to individual impairment	213	58	155	390	84	306	244	67	177
Individual impairment on:
Commitments in default above 3 months	11	3	8	22	8	14	14	2	12
Other bad and doubtful commitments subject to impairment	61	10	51	118	13	105	65	10	55
Total individual impairment	72	13	59	140	21	119	79	12	67
Problem loans after individual impairment:
Commitments in default above 3 months	45	28	17	68	46	22	60	37	23
Other bad and doubtful commitments subject to impairment	96	17	79	182	17	165	105	18	87
Total problem loans less individual impairment	141	45	96	250	63	187	165	55	110

Total problem loans prior to individual impairment as a percentage of total loans	0.41	0.17	0.94	0.77	0.26	1.71	0.47	0.19	1.07
Total problem loans less individual impairment as a percentage of total loans	0.27	0.13	0.58	0.50	0.19	1.05	0.32	0.15	0.67