Net credit losses Net credit lossesFull YearSEKm2017201620152014Provisions:Net collective provisions59242436873Specific provisions-1,309-734-1,058-1,448Reversal of specific previous provisions no longer required760338507279Net provisions for contingent liabilities-30433-42Net provisions 592-311-112-338Write-offs:00Total write-offs-1,480-1,480-2,256-2,401Reversal of specific provisions utilized for write-offs-1,3675841,3011,229Write-offs not previously provided for318-896-955-1,172Recovered from previous write-offs230214184186Net write-offs-820-682-771-986Net credit losses-228-993-883-1,324Change in value of seized assetsNet credit losses incl. change in value -228-993-883-1,324Quarter2017201620152014SEKmQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Provisions:Net collective provisions356205195-164153-151-104144221116-751744672857447Specific provisions14-469-499-355-169-71-51-443-222-229-223-384-524-634-170-120Reversal of specific previous provisions no longer required3364259404747267125585824214852668774Net provisions for contingent liabilities-265-8-1259-18-2432-5-321-11Net provisions 377-195-54-11660-91-88-19233-23-61-62-37-282-9-10Write-offs:Total write-offs-628-196-375-168-602-370-262-246-563-699-614-379-671-783-584-363Reversal of specific provisions utilized for write-offs11034156182061869210024743041021432953827290Write-offs not previously provided for-519-162-219-149-396-184-170-146-316-269-204-165-342-245-312-273Recovered from previous write-offs37735961527837476436453969543825Net write-offs-161-161-161-88-344-106-133-99-252-233-159-126-273-191-274-248Net credit losses-482-89-214-204-284-197-221-291-219-256-220-188-310-473-283-258Change in value of seized assetsNet credit losses incl. change in value -105-284-214-204-284-197-221-291-219-256-220-188-310-473-283-258