Komplett Bank annual report 2019

SENSITIVITY ANALYSIS CHANGING PARAMETERS IN THE LOAN LOSS MODEL Consumer loans NOK million Norway Finland Sweden Credit cards POS Finance Total Sensitivity by changing loss given default parameters at the end of 2019 Profit or loss effect at 1% change 2.7 3.1 1.1 0.6 0.3 7.8 Profit or loss effect at 2% change 5.4 6.2 2.3 1.1 0.6 15.6 Profit or loss effect at 5% change 13.4 15.6 5.7 2.8 1.6 39.0 Sensitivity by changing probability of default parameters at the end of 2019 Profit or loss effect at 1% change 1.4 1.2 0.5 0.2 0.1 3.4 Profit or loss effect at 2% change 2.8 2.4 1.0 0.3 0.2 6.8 Profit or loss effect at 5% change 7.1 6.1 2.5 0.8 0.5 17.1 Sensitivity by changing macro adjustments at the end of 2019 Profit or loss effect at 1% change 1.2 1.2 0.5 0.2 0.1 3.2 Profit or loss effect at 2% change 2.3 2.4 1.0 0.3 0.2 6.3 Profit or loss effect at 5% change 5.9 6.1 2.5 0.8 0.5 15.8 Information on products and geographical distribution Below comes information about income, cost, net loans to customers and impairments related to the different products the Bank is offering. FOR 2019: Consumer loans NOK million Norway Finland Sweden Credit cards POS Finance Not allocated product Total Income per product in 2019 Interest income 625.4 297.3 122.2 163.5 52.4 21.8 1,282.5 Income commissions and fees 44.2 27.4 5.7 41.0 49.6 4.5 172.4 Total 669.6 324.7 127.8 204.4 102.1 26.3 1,454.8 Selected costs per product 2019 Interest expenses 82.5 43.8 16.4 16.4 8.0 - 167.2 Expenses commissions and fees 22.5 33.4 8.8 24.7 24.3 - 113.8 Losses on loans 142.4 189.6 79.4 26.5 16.4 - 454.3 Total 247.5 266.9 104.6 67.7 48.7 - 735.3 Loans per product per 31.12.2019 Loans to customers 3,699.5 2,428.9 1,061.8 800.5 505.0 - 8,495.8 Total 3,699.5 2,428.9 1,061.8 800.5 505.0 - 8,495.8 Impairment per product per 31.12.2019 Impairment 286.3 319.1 115.4 57.1 32.3 - 810.1 Total 286.3 319.1 115.4 57.1 32.3 - 810.1 Komplett Bank Annual Report 2019 77