Komplett Bank Annual Report 2020

ADJUSTED LOSS PERCENTAGE/LOSS RATIO NOK million 2020 2019 Losses on loan 364.3 454.3 - One-off cost related to losses on loans, after tax 40.0 104.5 = Adjusted losses on loan 324.3 349.8 NOK million 31.12.2020 31.12.2019 Average Loans to customer 8,361.2 8,495.8 8,428.5 + Adjusted loans to customer 40.0 104.5 72.3 = Adjusted loans to customer 8,401.2 8,600.3 8,500.7 Adjusted loss percentage 2020: 324.3/8,500.7 = 3.8% Adjusted loss percentage 2019: 349.8/8,222.3 = 4.3% Losses on loans and loans to customers can be found in the annual report for 2020 Note 22 Leasing agreements The Bank has agreed to lease premises in Vollsveien 2A and 2B, 1366 Lysaker, as well as parking spaces related to the location. The leasing agreement expires 31 December 2023. All the Bank’s right of use assets is classified as the same class of underlying assets. The Bank has no short term leasing agreements or any leasing with low value that could have been classified as operational leasing according to the account- ing standard. NOK million Office location and parking spaces Accumulated historical cost as of 01.01.2019 17.2 Additions in the period 2.2 Disposals in the period - Accumulated historical cost as of 31.12.2019 19.4 Accumulated depreciations as of 01.01.2019 - Depreciations 2019 3.8 Accumulated depreciations as of 31.12.2019 3.8 Book value as of 31.12.2019 15.6 Accumulated historical cost as of 01.01.2020 19.4 Additions in the period - Disposals in the period - Accumulated historical cost as of 31.12.2020 19.4 Accumulated depreciations as of 01.01.2020 3.8 Depreciations 2020 3.9 Accumulated depreciations as of 31.12.2020 7.7 Book value as of 31.12.2020 11.7 Komplett Bank Annual Report 2020 111