Note 16 Credit risk MAXIMUM EXPOSURE LOANS TO CUSTOMERS AS AT 31 DECEMBER 2022 Amounts in NOK million Stage 1 Stage 2 Stage 3 Time horizon PD-interval Consumer loans Norway - risk class A 4,519.3 - - 12 months 0,5% - 4,5% Consumer loans Norway - risk class B - 244.0 - Lifetime 0,0% - 37,4% Consumer loans Norway - risk class C - 22.3 - Lifetime 64.6% Consumer loans Norway - risk class D - - 165.9 Lifetime 3,5% - 100,0% Consumer loans Finland - risk class A 3,330.4 - - 12 months 0,3% - 5,0% Consumer loans Finland - risk class B - 227.8 - Lifetime 0,0% - 45,3% Consumer loans Finland - risk class C - 19.6 - Lifetime 51.9% Consumer loans Finland - risk class D - - 111.4 Lifetime 5,0% - 100,0% Consumer loans Sweden - risk class A 2,354.4 - - 12 months 1,0% - 6,7% Consumer loans Sweden - risk class B - 149.8 - Lifetime 0,0% - 48,9% Consumer loans Sweden - risk class C - 20.2 - Lifetime 70.2% Consumer loans Sweden - risk class D - - 58.8 Lifetime 6,7% - 100,0% Credit cards - risk class A 2,014.7 - - 12 months 0,6% - 3,0% Credit cards - risk class B - 62.8 - Lifetime 0,0% - 27,1% Credit cards - risk class C - 5.6 - Lifetime 56,6% - 65,0% Credit cards - risk class D - - 46.0 Lifetime 3,0% - 100,0% POS - risk class A 262.6 - - 12 months 2.6% POS - risk class B - 34.0 - Lifetime 28.3% POS - risk class C - - 47.6 Lifetime 100.0% Total maximum exposure loans to customers 12,481.4 786.1 429.7 MAXIMUM EXPOSURE LOANS TO CUSTOMERS AS AT 31 DECEMBER 2021 Amounts in NOK million Stage 1 Stage 2 Stage 3 Time horizon PD-interval Consumer loans Norway - risk class A 4,009.9 - - 12 months 0,5% - 5,4% Consumer loans Norway - risk class B - 290.7 - Lifetime 37.4% Consumer loans Norway - risk class C - 51.9 - Lifetime 72.1% Consumer loans Norway - risk class D - - 657.5 Lifetime 100.0% Consumer loans Finland - risk class A 2,381.8 - - 12 months 0,2% - 8,9% Consumer loans Finland - risk class B - 191.6 - Lifetime 49.6% Consumer loans Finland - risk class C - 37.0 - Lifetime 65.7% Consumer loans Finland - risk class D - - 36.0 Lifetime 100.0% Consumer loans Sweden - risk class A 1,578.7 - - 12 months 1,1% - 8,8% Consumer loans Sweden - risk class B - 95.3 - Lifetime 57.8% Consumer loans Sweden - risk class C - 19.7 - Lifetime 85.5% Consumer loans Sweden - risk class D - - 29.7 Lifetime 100.0% Credit cards - risk class A 1,706.4 - - 12 months 0,6% - 4,0% Credit cards - risk class B - 68.7 - Lifetime 23.3% Credit cards - risk class C - 5.8 - Lifetime 58.6% Credit cards - risk class D - - 210.0 Lifetime 100.0% POS - risk class A 328.0 - - 12 months 4.2% POS - risk class B - 51.6 - Lifetime 35.5% POS - risk class C - - 118.1 Lifetime 100.0% Total maximum exposre loans to customers 10,004.8 812.4 1,062.4 Maximum exposures of loans to customers includes both drawn and undrawn credit facilities. Risk class; A = loans in stage 1; B = inactive customers and DPD 30-60 days; C = loans DPD 60-90 days; D = loans in stage 3 72 Notes to the financial statements
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