Komplett Bank annual report 2019

Reconciliation from alternative performance measures to financial reporting In the tables below where marked N/A it is considered not relevant to calculate in order to explain the calculation of the alternative performance measure. RETURN ON EQUITY (ROE) NOK million 31.12.2018 31.12.2019 2019 Average Profit after tax N/A N/A 202.9 N/A Total equity 1,575.2 1,805.0 N/A 1,690.1 Return on equity (ROE): 202.9 /1,690.1 = 12,0% Profit after tax can be found in the statement of profit or loss and other comprehensive income for the period in the accounting item “profit after tax”. It is referred to the Bank’s published annual report 2019 for an overview of the Bank’s yearly equity. COST PERCENTAGE NOK million 2019 Total operating expenses excluding losses on loans 1) 441.7 - Direct marketing expenses 1) -84.0 = Total operating expenses excluding losses on loans and direct marketing expenses 357.7 NOK million 2019 Net interest income 1) 1,115.3 + Net commissions and fees 1) 58.6 = Net interest income and commissions and fees 1,173.8 Cost percentage = 357.7 /1,173.8 = 30.5% 1) The basis for the calculation can be read directly from the statement of profit or loss and other comprehensive income for the period 2019. LOSS PERCENTAGE/LOSS RATIO NOK million 31.12.2018 31.12.2019 2019 Average Losses on loan N/A N/A 454.3 N/A Loans to customer 7,844.3 8,495.8 N/A 8,170.0 Loss percentage: 454.3 /8,170.0 = 5.6% Losses on loans can be found directly from the statement of profit or loss and other comprehensive income for the period 2019. Loans to customer can be found in the balance sheet. Komplett Bank Annual Report 2019 103