Komplett Bank annual report 2019

RISK CLASSES NOK million 31.12.2019 31.12.2018 Horizon Interval of PD Established loans Norway risk class A 27% 35% 12 months 4.5% - 6.2% New loans Norway risk class A 5% 8% 12 months 8.6% Established loans Norway risk class B 4% 6% Lifetime 49.6% - 54.3% New loans Norway risk class B 1% 1% Lifetime 72.2% Established loans Norway risk class C 1% 1% Lifetime 71.2% - 76.6% New loans Norway risk class C 0% 0% Lifetime 85.5% Established loans Norway risk class D 5% 5% Lifetime 100.0% New loans Norway risk class D 0% 0% Lifetime 100.0% Established credit card loans risk class A 5% 6% 12 months 0.0% - 6.9% New credit card loans risk class A 0% 1% 12 months 0.0% - 8.0% Established credit card loans risk class B 2% 2% Lifetime 36.6% New credit card loans risk class B 0% 0% Lifetime 44.6% Established credit card loans risk class C 0% 0% Lifetime 73.5% New credit card loans risk class C 0% 0% Lifetime 83.6% Established credit card loans risk class D 1% 2% Lifetime 100.0% New credit card loans risk class D 0% 0% Lifetime 100.0% Loan Finland risk class A 22% 18% 12 months 7.9% - 12.9% Loan Finland risk class B 3% 2% Lifetime 55.2% - 61.1% Loan Finland risk class C 1% 0% Lifetime 85.7% - 91.2% Loan Finland risk class D 5% 2% Lifetime 100.0% Pos Finance risk class A 4% 3% 12 months 8.0% Pos Finance risk class B 1% 1% Lifetime 44.6% Pos Finance risk class C 1% 0% Lifetime 100.0% Loans Sweden risk class A 10% 5% 12 months 7.9% Loans Sweden risk class B 1% 1% Lifetime 55.2% Loans Sweden risk class C 0% 0% Lifetime 85.7% Loans Sweden risk class D 2% 0% Lifetime 100.0% New credit card loans Sweden risk class A 1% 0% 12 months 0.0% - 8.0% New credit card loans Sweden risk class B 0% 0% Lifetime 44.6% New credit card loans Sweden risk class C 0% 0% Lifetime 83.6% New credit card loans Sweden risk class D 0% 0% Lifetime 100.0% New credit card loans Finland risk class A 0% 0% 12 months 0.0% - 8.0% New credit card loans Finland risk class B 0% 0% Lifetime 44.6% New credit card loans Finland risk class C 0% 0% Lifetime 83.6% New credit card loans Finland risk class D 0% 0% Lifetime 100.0% Total 100% 100% The ratios shown as of 31 December 2019 and 31 December 2018 in the table above shows the distribution of each risk class in percentage of gross loans to customers. Komplett Bank Annual Report 2019 49