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)
	30.06.2017			31.06.2016			31.12.2016
Problem loans prior to individual impairment:
Commitments in default above 3 months	82	57	25	63	33	30	65	45	20
Other bad and doubtful commitments subject to impairment	275	19	256	137	28	109	546	24	522
Total problem loans prior to individual impairment	357	76	281	200	61	139	611	69	542
Individual impairment on:
Commitments in default above 3 months	5	2	3	13	2	11	15	3	12
Other bad and doubtful commitments subject to impairment	92	6	86	58	11	47	64	10	54
Total individual impairment	97	8	89	71	13	58	79	13	66
Problem loans after individual impairment:
Commitments in default above 3 months	77	55	22	50	31	19	50	42	8
Other bad and doubtful commitments subject to impairment	183	13	170	79	17	62	482	14	468
Total problem loans less individual impairment	260	68	192	129	48	81	532	56	476

Total problem loans prior to individual impairment as a percentage of total loans	0.64	0.20	1.60	0.39	0.17	0.90	1.16	0.19	3.45
Total problem loans less individual impairment as a percentage of total loans	0.45	0.18	1.00	0.25	0.13	0.52	1.01	0.15	3.03