Note 4

GROUP	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)
	31.12.2016			31.12.2015
Problem loans prior to individual impairment:
Commitments in default above 3 months	65	45	20	74	39	35
Other bad and doubtful commitments subject to impairment	546	24	522	170	28	142
Total problem loans prior to individual impairment	611	69	542	244	67	177
Individual impairment on:
Commitments in default above 3 months	15	3	12	14	2	12
Other bad and doubtful commitments subject to impairment	64	10	54	65	10	55
Total individual impairment	79	13	66	79	12	67
Problem loans after individual impairment:
Commitments in default above 3 months	50	42	8	60	37	23
Other bad and doubtful commitments subject to impairment	482	14	468	105	18	87
Total problem loans less individual impairment	532	56	476	165	55	110

Total problem loans prior to individual impairment as a percentage of total loans	1,16	0,19	3,45	0,47	0,19	1,07
Total problem loans less individual impairment as a percentage of total loans	1,01	0,15	3,03	0,32	0,15	0,67