Komplett Bank annual report 2019

RECONCILIATION OF IMPAIRMENTS OF CONSUMER LOANS TO CUSTOMERS NORWAY NOK million Class 1 Class 2 Class 3 Total Impairment as at 01.01.2019 44.7 49.7 138.1 232.5 Transfers in Q1 2019: Transfer from Class 1 to Class 2 -2.2 2.2 - - Transfer from Class 1 to Class 3 -0.3 - 0.3 - Transfer from Class 2 to Class 3 - -6.0 6.0 - Transfer from Class 3 to Class 2 - -0.0 0.0 - Transfer from Class 2 to Class 1 10.4 -10.4 - - Transfer from Class 3 to Class 1 -0.0 - 0.0 - New financial assets originated or change in provisions 0.4 25.6 16.2 42.2 Assets derecognized or change in provisions -6.9 -7.9 -28.8 -43.5 Other changes -1.6 -5.3 -1.5 -8.3 Impairment as at 31.03.2019 44.5 48.0 130.4 222.9 Transfers in Q2 2019: Transfer from Class 1 to Class 2 -0.7 0.7 - - Transfer from Class 1 to Class 3 -0.2 - 0.2 - Transfer from Class 2 to Class 3 - -2.6 2.6 - Transfer from Class 3 to Class 2 - 0.1 -0.1 - Transfer from Class 2 to Class 1 9.2 -9.2 - - Transfer from Class 3 to Class 1 0.1 - -0.1 - New financial assets originated or change in provisions -1.8 17.5 17.7 33.4 Assets derecognized or change in provisions -6.3 -12.9 -21.6 -40.9 Other changes -4.8 14.0 0.9 10.1 Impairment as at 30.06.2019 40.0 55.4 130.1 225.5 Transfers in Q3 2019: Transfer from Class 1 to Class 2 -1.7 1.7 - - Transfer from Class 1 to Class 3 -0.3 - 0.3 - Transfer from Class 2 to Class 3 - -4.3 4.3 - Transfer from Class 3 to Class 2 - -0.1 0.1 - Transfer from Class 2 to Class 1 14.1 -14.1 - - Transfer from Class 3 to Class 1 0.5 - -0.5 - New financial assets originated or change in provisions -2.7 24.7 15.5 37.5 Assets derecognized or change in provisions -11.8 -9.3 -20.1 -41.2 Other changes 0.3 0.2 -0.2 0.3 Impairment as at 30.09.2019 38.5 54.2 129.4 222.1 Transfers in Q4 2018: Transfer from Class 1 to Class 2 -2.0 2.0 - - Transfer from Class 1 to Class 3 -0.5 - 0.5 - Transfer from Class 2 to Class 3 - -12.5 12.5 - Transfer from Class 3 to Class 2 - 0.1 -0.1 - Transfer from Class 2 to Class 1 6.9 -6.9 - - Transfer from Class 3 to Class 1 0.2 - -0.2 - New financial assets originated or change in provisions -5.3 24.3 37.2 56.2 Assets derecognized or change in provisions -1.6 -7.8 -23.4 -32.8 Other changes 8.9 18.9 13.0 40.8 Impairment as at 31.12.2019 45.0 72.4 168.9 286.3 Komplett Bank Annual Report 2019 67