Komplett Bank Annual Report 2020

INTEREST RATE RISK - SENSITIVITY OF 1% POINT CHANGE IN THE YIELD CURVE NOK million 31.12.2020 31.12.2019 Loans and deposits with credit institutions 0.5 0.2 Loans to customers 13.9 14.2 Certificates and bonds 4.8 2.8 Other assets without specified maturity term - - Total assets 19.2 17.2 Deposits from and debt to customers -15.0 -14.2 Subordinated loans -0.4 -0.2 Other debt, not interest-bearing - - Total liabilities -15.4 -14.4 Total interest rate risk 3.8 2.8 Interest rate risk is calculated as the cash flow effect of changing interest rate with 1 per cent point, adjusted for the assets/liabilities interest durations. CURRENCY RISK - SENSITIVITY OF CHANGING EXCHANGE RATES END OF THE YEAR NOK million 31.12.2020 31.12.2019 Effect in profit or loss of changing 1% 0.4 1.1 Effect in profit or loss of changing 2% 0.9 2.1 Effect in profit or loss of changing 5% 2.2 5.3 104 Notes to the financial statements