Net credit losses

Full Year
SEKm	2016	2015	2014
Provisions:
Net collective provisions	42	436	873
Specific provisions	-734	-1,058	-1,448
Reversal of specific previous provisions no longer required	338	507	279
Net provisions for contingent liabilities	43	3	-42
Net provisions	-311	-112	-338
Write-offs:		0	0
Total write-offs	-1,480	-2,256	-2,401
Reversal of specific provisions utilized for write-offs	584	1,301	1,229
Write-offs not previously provided for	-896	-955	-1,172
Recovered from previous write-offs	214	184	186
Net write-offs	-682	-771	-986
Net credit losses	-993	-883	-1,324
Change in value of seized assets
Net credit losses incl. change in value	-993	-883	-1,324

Quarter	2017		2016				2015				2014
SEKm	Q2	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1
Provisions:
Net collective provisions	195	-164	153	-151	-104	144	221	116	-75	174	467	285	74	47
Specific provisions	-499	-355	-169	-71	-51	-443	-222	-229	-223	-384	-524	-634	-170	-120
Reversal of specific previous provisions no longer required	259	404	74	72	67	125	58	58	242	148	52	66	87	74
Net provisions for contingent liabilities	-8	-1	2	59		-18	-24	32	-5		-32	1		-11
Net provisions	-54	-116	60	-91	-88	-192	33	-23	-61	-62	-37	-282	-9	-10
Write-offs:
Total write-offs	-375	-168	-602	-370	-262	-246	-563	-699	-614	-379	-671	-783	-584	-363
Reversal of specific provisions utilized for write-offs	156	18	206	186	92	100	247	430	410	214	329	538	272	90
Write-offs not previously provided for	-219	-149	-396	-184	-170	-146	-316	-269	-204	-165	-342	-245	-312	-273
Recovered from previous write-offs	59	61	52	78	37	47	64	36	45	39	69	54	38	25
Net write-offs	-161	-88	-344	-106	-133	-99	-252	-233	-159	-126	-273	-191	-274	-248
Net credit losses	-214	-204	-284	-197	-221	-291	-219	-256	-220	-188	-310	-473	-283	-258
Change in value of seized assets
Net credit losses incl. change in value	-214	-204	-284	-197	-221	-291	-219	-256	-220	-188	-310	-473	-283	-258