Komplett Bank annual report 2019

RECONCILIATION OF IMPAIRMENTS OF CONSUMER LOANS TO CUSTOMERS FINLAND NOK million Class 1 Class 2 Class 3 Total Impairment as at 01.01.2019 33.6 23.4 69.9 126.8 Transfers in Q1 2019: Transfer from Class 1 to Class 2 -1.2 1.2 - - Transfer from Class 1 to Class 3 -0.2 - 0.2 - Transfer from Class 2 to Class 3 - -9.4 9.4 - Transfer from Class 3 to Class 2 - - - - Transfer from Class 2 to Class 1 2.8 -2.8 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 5.0 9.8 10.6 25.4 Assets derecognized or change in provisions -2.8 -1.4 -2.4 -6.6 Other changes 2.0 5.7 1.0 8.7 Impairment as at 31.03.2019 39.1 26.6 88.7 154.3 Transfers in Q2 2019: Transfer from Class 1 to Class 2 -1.8 1.8 - - Transfer from Class 1 to Class 3 -0.3 - 0.3 - Transfer from Class 2 to Class 3 - -10.4 10.4 - Transfer from Class 3 to Class 2 - 0.1 -0.1 - Transfer from Class 2 to Class 1 2.3 -2.3 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 7.5 16.0 12.8 36.2 Assets derecognized or change in provisions -2.5 -0.9 -1.8 -5.1 Other changes -2.6 0.6 -0.8 -2.8 Impairment as at 30.06.2019 41.6 31.6 109.4 182.6 Transfers in Q3 2019: Transfer from Class 1 to Class 2 -2.2 2.2 - - Transfer from Class 1 to Class 3 -0.4 - 0.4 - Transfer from Class 2 to Class 3 - -11.1 11.1 - Transfer from Class 3 to Class 2 - 0.6 -0.6 - Transfer from Class 2 to Class 1 2.8 -2.8 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 7.2 18.8 13.0 39.0 Assets derecognized or change in provisions -4.4 -1.9 -2.8 -9.1 Other changes 2.3 0.8 2.7 5.7 Impairment as at 30.09.2019 46.9 38.1 133.3 218.3 Transfers in Q4 2019: Transfer from Class 1 to Class 2 -3.5 3.5 - - Transfer from Class 1 to Class 3 -0.5 - 0.5 - Transfer from Class 2 to Class 3 - -13.9 13.9 - Transfer from Class 3 to Class 2 - 0.4 -0.4 - Transfer from Class 2 to Class 1 2.9 -2.9 - - Transfer from Class 3 to Class 1 0.2 - -0.2 - New financial assets originated or change in provisions 7.7 29.1 16.5 53.3 Assets derecognized or change in provisions -5.1 -2.0 -3.7 -10.8 Other changes 10.3 10.5 37.6 58.3 Impairment as at 31.12.2019 58.9 62.8 197.4 319.1 Komplett Bank Annual Report 2019 69