Komplett Bank annual report 2019

Note 12 Specification of costs SPECIFICATION OF GENERAL ADMINISTRATIVE EXPENSES NOK million 2019 2018 Direct marketing expenses 84.0 107.2 IT-expenses 33.5 29.2 Other general administrative expenses 54.9 33.9 Total general administrative expenses 172.4 170.4 SPECIFICATION OF OTHER OPERATING EXPENSES 2019 2018 Rental expenses - 3.0 Insurance 1.1 1.0 Other consultants 27.2 9.4 Other costs 47.1 14.6 External audit and related services 3.7 3.0 Total other operating expenses 79.0 31.0 Note 13 Tax TAX EXPENSE NOK million 2019 2018 Profit before tax 279.6 443.1 Effect of temporary differences not affecting tax payable 6.3 -0.7 Permanent differences 21.0 5.7 Basis for tax expense 306.8 448.1 Tax rate 25% 25% Tax expense 76.7 112.0 Komplett Bank Annual Report 2019 91

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