Komplett Bank annual report 2019

RECONCILIATION OF IMPAIRMENTS OF LOANS TO CUSTOMERS NOK million Class 1 Class 2 Class 3 Total Impairment as at 01.01.2019 102.1 100.8 268.8 471.6 Transfers in Q1 2019: Transfer from Class 1 to Class 2 -5.2 5.2 - - Transfer from Class 1 to Class 3 -0.6 - 0.6 - Transfer from Class 2 to Class 3 - -23.8 23.8 - Transfer from Class 3 to Class 2 - 0.2 -0.2 - Transfer from Class 2 to Class 1 18.3 -18.3 - - Transfer from Class 3 to Class 1 0.0 - -0.0 - New financial assets originated or change in provisions 16.1 52.0 41.0 109.1 Assets derecognized or change in provisions -18.8 -14.0 -49.7 -82.4 Other changes 1.1 0.8 0.0 1.9 Impairment as at 31.03.2019 113.0 102.8 284.4 500.2 Transfers in Q2 2019: Transfer from Class 1 to Class 2 -5.3 5.3 - - Transfer from Class 1 to Class 3 -0.7 - 0.7 - Transfer from Class 2 to Class 3 - -23.4 23.4 - Transfer from Class 3 to Class 2 - 0.2 -0.2 - Transfer from Class 2 to Class 1 16.1 -16.1 - - Transfer from Class 3 to Class 1 0.6 - -0.6 - New financial assets originated or change in provisions 13.3 50.1 43.9 107.3 Assets derecognized or change in provisions -17.1 -15.9 -32.6 -65.6 Other changes -10.9 18.2 -1.2 6.1 Impairment as at 30.06.2019 109.1 121.3 317.6 548.0 Transfers in Q3 2019: Transfer from Class 1 to Class 2 -7.1 7.1 - - Transfer from Class 1 to Class 3 -0.9 - 0.9 - Transfer from Class 2 to Class 3 - -29.3 29.3 - Transfer from Class 3 to Class 2 - 0.6 -0.6 - Transfer from Class 2 to Class 1 23.1 -23.1 - - Transfer from Class 3 to Class 1 1.2 - -1.2 - New financial assets originated or change in provisions 17.9 69.0 42.0 128.8 Assets derecognized or change in provisions -28.1 -14.9 -34.6 -77.6 Other changes 4.7 1.6 2.9 9.1 Impairment as at 30.09.2019 119.8 132.4 356.2 608.3 Transfers in Q4 2019: Transfer from Class 1 to Class 2 -8.6 8.6 - - Transfer from Class 1 to Class 3 -1.3 - 1.3 - Transfer from Class 2 to Class 3 - -40.9 40.9 - Transfer from Class 3 to Class 2 - 0.7 -0.7 - Transfer from Class 2 to Class 1 16.3 -16.3 - - Transfer from Class 3 to Class 1 0.6 - -0.6 - New financial assets originated or change in provisions 18.7 73.9 78.1 170.7 Assets derecognized or change in provisions -22.1 -14.4 -36.9 -73.4 Other changes 20.3 28.8 55.5 104.5 Impairment as at 31.12.2019 143.7 172.8 493.6 810.1 64 Notes to the financial statements