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)
	30.06.2016			30.06.2015			31.12.2015
Problem loans prior to individual impairment:
Commitments in default above 3 months	63	33	30	65	45	20	74	39	35
Other bad and doubtful commitments subject to impairment	137	28	109	308	36	272	170	28	142
Total problem loans prior to individual impairment	200	61	139	373	81	292	244	67	177
Individual impairment on:
Commitments in default above 3 months	13	2	11	18	8	10	14	2	12
Other bad and doubtful commitments subject to impairment	58	11	47	95	12	83	65	10	55
Total individual impairment	71	13	58	113	20	93	79	12	67
Problem loans after individual impairment:
Commitments in default above 3 months	50	31	19	47	37	10	60	37	23
Other bad and doubtful commitments subject to impairment	79	17	62	213	24	189	105	18	87
Total problem loans less individual impairment	129	48	81	260	61	199	165	55	110

Total problem loans prior to individual impairment as a percentage of total loans	0.39	0.17	0.90	0.74	0.24	1.72	0.47	0.19	1.07
Total problem loans less individual impairment as a percentage of total loans	0.25	0.13	0.52	0.52	0.18	1.18	0.32	0.15	0.67