Net credit losses

Full Year
SEKm20132012201120102009200820072006200520042003
Provisions:
Net collective provisions774-44775-126-3,349-1,419-390-108403280518
Specific provisions-756-532-800-2,093-6,476-1,387-653-888-1,286-1,010-1,741
Reversal of specific previous provisions no longer required3815571,4211,447491225405544438467577
Net provisions for contingent liabilities112368-15-225-56831-68053
Net provisions 41041,464-787-9,559-2,637-630-421-451-183-593
00
Write-offs:0000
Total write-offs-3,755-2,892-2,705-2,160-2,614-1,428-1,395-1,308-1,532-1,971-2,028
Reversal of specific provisions utilized for write-offs2,0671,8141,9091,2286886997117047561,0431,257
Write-offs not previously provided for-1,688-1,078-796-932-1,926-729-684-604-776-928-771
Recovered from previous write-offs123137110110115211293322327368383
Net write-offs-1,565-941-686-822-1,811-518-391-282-449-560-388
Net credit losses-1,155-937778-1,609-11,370-3,155-1,021-703-900-743-981
00
Change in value of seized assets000-375-15-1442-24
Net credit losses incl. change in value -1,155-937778-1,609-11,370-3,192-1,016-718-914-701-1,005

Quarter20132012201120102009200820072006200520042003
SEKmQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Provisions:
Net collective provisions14617925019987-146-2338-1862497234776251-80-1,073192-568-1,713-1,260-918-338-27-13615-71-220-114212-89-106-125405-112704029613832-186177106114121
Specific provisions-26481-380-193-902-194-250-19517-309-313-675-154-577-687-2,392-1,872-1,438-774-707-249-323-108-231-100-77-245-455-125-198-110-674-166-211-235-452-276-182-100-553-522-279-387
Reversal of specific previous provisions no longer required128958375851861421441731575225694543333253351169712315510946521816380877517313315583103170828321086828913221999127
Net provisions for contingent liabilities5-11624171921141415-28-36-123-84134-152-36-2321-248-73110191111-2-4-11183-401546-113
Net provisions 15354-46878244-71-51-21257724504570428-324-1,461-2,207-2,427-2,894-2,031-1,552-564-296-225-77-83-217-253-60-80-140-141-155-110-63-1235531-72-197-229-151-77-136
Write-offs:
Total write-offs-678-1,607-651-819-1,007-704-704-440-749-823-659-474-309-799-478-574-1,100-729-495-290-464-265-367-332-562-350-240-243-444-334-305-225-418-414-346-354-467-691-522-291-589-454-481-504
Reversal of specific provisions utilized for write-offs2959543784405944744742624875794753682155392112633281461357921071217201242214131124221196181106189222142203167363344169372258291336
Write-offs not previously provided for-383-653-273-379-413-230-230-178-262-244-184-106-94-260-267-311-772-583-360-211-254-194-150-131-320-136-109-119-223-138-124-119-229-192-204-151-300-328-178-122-217-196-190-168
Recovered from previous write-offs273228365532322343201829252920363414323599672025853043135628110277541237179601347995123789092
Net write-offs-356-621-245-343-358-198-198-155-219-224-166-77-69-132-64-275-738-569-328-176-155-127-130-106-235-106-6616-161-57-22-42-175-69-133-72-240-194-99-27-94-118-100-76
Net credit losses-341-267-291-256-276-154-269-206-24033558427156296-388-1,736-2,945-2,996-3,222-2,207-1,707-691-426-331-312-189-283-237-221-137-162-183-330-179-196-195-185-163-171-224-323-269-177-212
Change in value of seized assets-133-11-15-1-11-2-3-33612-7-3-12-2
Net credit losses incl. change in value -341-267-291-256-276-154-269-206-24033558427156296-388-1,736-2,945-2,996-3,222-2,207-1,707-691-426-331-313-189-280-234-222-136-162-198-331-190-196-197-188-166-135-212-330-272-189-214