Komplett Bank Annual Report 2020

RISK CLASSES Risk stagees 31.12.2020 31.12.2019 Horizon Interval of PD Established loans Norway risk stage A 25% 27% 12 months 4.1% - 8,8% New loans Norway risk stage A 2% 5% 12 months 8.8% Established loans Norway risk stage B 3% 4% Lifetime 39.7% - 56,2% New loans Norway risk stage B 0% 1% Lifetime 56.2% Established loans Norway risk stage C 0% 1% Lifetime 71.6% - 84,8% New loans Norway risk stage C 0% 0% Lifetime 84.8% Established loans Norway risk stage D 7% 5% Lifetime 100.0% New loans Norway risk stage D 0% 0% Lifetime 100.0% Established credit card loans risk stage A 4% 5% 12 months 0.0% - 5,7% New credit card loans risk stage A 0% 0% 12 months 0.0% - 9,2% Established credit card loans risk stage B 1% 2% Lifetime 33.3% New credit card loans risk stage B 0% 0% Lifetime 42.9% Established credit card loans risk stage C 0% 0% Lifetime 7.5% New credit card loans risk stage C 0% 0% Lifetime 83.7% Established credit card loans risk stage D 2% 1% Lifetime 100.0% New credit card loans risk stage D 0% 0% Lifetime 100.0% Loan Finland risk stage A 19% 22% 12 months 8.4% - 11,3% Loan Finland risk stage B 2% 3% Lifetime 50.9% - 56,4% Loan Finland risk stage C 1% 1% Lifetime 83.1% - 89,1% Loan Finland risk stage D 9% 5% Lifetime 100.0% Pos Finance risk stage A 5% 4% 12 months 9.2% Pos Finance risk stage B 1% 1% Lifetime 42.9% Pos Finance risk stage C 1% 1% Lifetime 100.0% Loans Sweden risk stage A 13% 10% 12 months 8.4% Loans Sweden risk stage B 1% 1% Lifetime 50.9% Loans Sweden risk stage C 0% 0% Lifetime 83.1% Loans Sweden risk stage D 4% 2% Lifetime 100.0% New credit card loans Sweden risk stage A 1% 1% 12 months 0.0% - 9,2% New credit card loans Sweden risk stage B 0% 0% Lifetime 42.9% New credit card loans Sweden risk stage C 0% 0% Lifetime 83.7% New credit card loans Sweden risk stage D 0% 0% Lifetime 100.0% New credit card loans Finland risk stage A 0% 0% 12 months 0.0% - 9,2% New credit card loans Finland risk stage B 0% 0% Lifetime 42.9% New credit card loans Finland risk stage C 0% 0% Lifetime 83.7% New credit card loans Finland risk stage D 0% 0% Lifetime 100.0% Total 100% 100% The ratios shown as of 31 December 2020 and 31 December 2019 in the table above shows the distribution of each risk class in percentage of gross loans to customers. Komplett Bank Annual Report 2020 55