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 01.01.2018 10.7 6.7 13.4 30.9 Transfers in Q1 2018: Transfer from Class 1 to Class 2 -0.5 0.5 - - Transfer from Class 1 to Class 3 -0.1 - 0.1 - Transfer from Class 2 to Class 3 - -3.1 3.1 - Transfer from Class 3 to Class 2 - - - - Transfer from Class 2 to Class 1 0.9 -0.9 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 2.5 7.2 5.7 15.4 Assets derecognized or change in provisions -1.1 -0.2 -0.6 -1.8 Other changes - - - - Impairment as at 31.03.2018 12.5 10.3 21.7 44.4 Transfers in Q2 2018: Transfer from Class 1 to Class 2 -0.7 0.7 - - Transfer from Class 1 to Class 3 -0.1 - 0.1 - Transfer from Class 2 to Class 3 - -5.2 5.2 - Transfer from Class 3 to Class 2 - - - - Transfer from Class 2 to Class 1 0.9 -0.9 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 2.4 8.2 9.6 20.2 Assets derecognized or change in provisions -0.9 -0.3 -0.4 -1.6 Other changes 5.2 -1.1 -2.3 1.9 Impairment as at 30.06.2018 19.3 11.7 33.8 64.9 Transfers in Q3 2018: Transfer from Class 1 to Class 2 -0.9 0.9 - - Transfer from Class 1 to Class 3 -0.1 - 0.1 - Transfer from Class 2 to Class 3 - -5.5 5.5 - Transfer from Class 3 to Class 2 - - - - Transfer from Class 2 to Class 1 1.2 -1.2 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 4.6 8.5 10.5 23.6 Assets derecognized or change in provisions -1.2 -0.5 -0.3 -1.9 Other changes 7.8 1.5 -0.2 9.1 Impairment as at 30.09.2018 30.8 15.4 49.4 95.6 Transfers in Q4 2018: Transfer from Class 1 to Class 2 -1.9 1.9 - - Transfer from Class 1 to Class 3 -0.3 - 0.3 - Transfer from Class 2 to Class 3 - -6.6 6.6 - Transfer from Class 3 to Class 2 - 0.0 -0.0 - Transfer from Class 2 to Class 1 2.1 -2.1 - - Transfer from Class 3 to Class 1 - - - - New financial assets originated or change in provisions 5.3 12.9 11.9 30.1 Assets derecognized or change in provisions -2.0 -0.6 -1.6 -4.2 Other changes -0.4 2.4 3.3 5.3 Impairment as at 31.12.2018 33.6 23.4 69.9 126.8 70 Notes to the financial statements