Note 4

Problem loans (total commitments in default above 3 months and individually impaired commitments not in default)
	30.06.2018			30.06.2017			31.12.2017
GROUP	Total	Retail	Corporate	Total	Retail	Corporate	Total	Retail	Corporate
Problem loans prior to individual impairment:
Commitments in default above 3 months	60	56	4	82	57	25	62	53	9
Impaired commitments not in default	285	15	270	275	19	256	274	8	266
Total problem loans prior to individual impairment	345	71	274	357	76	281	336	61	275
Individual impairments on:
Commitments in default above 3 months	5	5	0	5	2	3	4	2	2
Impaired commitments not in default	93	4	89	92	6	86	96	4	92
Total individual impairments	98	9	89	97	8	89	100	6	94
Problem loans after individual impairments:
Commitments in default above 3 months	55	51	4	77	55	22	58	51	7
Impaired commitments not in default	192	11	181	183	13	170	178	4	174
Total problem loans less individual impairment	247	62	185	260	68	192	236	55	181

Total problem loans prior to individual impairment as a percentage of total loans	0.57	0.17	1.38	0.62	0.20	1.45	0.57	0.15	1.46
Total problem loans less individual impairment as a percentage of total loans	0.41	0.15	0.93	0.45	0.18	0.99	0.40	0.14	0.96