Komplett Bank annual report 2019

Content Banking is changing 3 Komplett Bank in brief 4 2019 in numbers 6 Letter from the CEO 8 Shareholder information 10 Corporate governance 12 Declaration concerning corporate social responsibility 18 Management 20 Board of Directors’ Report 22 Confirmation on Annual Report and Board of Directors’ Report 30 Board of Directors 32 Financial statements 35 Notes to the financial statements 40 Auditor’s report 106

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