Komplett Bank annual report 2019

Note 2 Loans to customers LOANS TO CUSTOMERS NOK million 31.12.2019 31.12.2018 Gross loans to customers 9,305.9 8,316.0 Gross loans to customers 9,305.9 8,316.0 Impairment of loans to customers 810.1 471.6 Net loans to customers 8,495.8 7,844.3 DEFAULTS AND LOSSES NOK million 31.12.2019 31.12.2018 Gross defaulted loans to customers 1) 1,284.9 839.7 Impairment of loans to customers in class 3 493.6 268.8 Net defaulted loans to customers 791.3 570.9 Impairments of loans to customers in class 1 and 2 316.5 202.8 1) Defaulted loans is defined as all loans to customers that are more than 90 days past due at the reporting date or that previously have been sent to collection. Defaulted loans also comprise of known fraud cases and loans where customer is deceased. REALIZED LOSSES NOK million 31.12.2019 31.12.2018 Realized losses in the period 115.8 70.1 IMPAIRMENT OF CLASS 3 LOANS TO CUSTOMERS (BALANCE SHEET ITEM) NOK million 31.12.2019 31.12.2018 Impairment of loans at beginning of period 268.8 123.9 +/- Change in class 3 impairment of loans in the period 224.8 144.9 Impairment of class 3 loans to customers 493.6 268.8 Komplett Bank Annual Report 2019 47

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