Komplett Bank Annual Report 2020

RECONCILIATION OF GROSS LOANS TO POS FINANCE CUSTOMER NOK million stage1 stage2 stage3 Total Gross loans 01.01.2020 391.7 86.7 58.9 537.3 Q1 2020: - Transfer from stage 1 to stage 2 -44.0 44.0 - - Transfer from stage 1 to stage 3 -117.1 - 117.1 - Transfer from stage 2 to stage 3 - -13.9 13.9 - Transfer from stage 3 to stage 2 - 0.9 -0.9 - Transfer from stage 2 to stage 1 29.0 -29.0 - - Transfer from stage 3 to stage 1 1.0 - -1.0 - New assets 182.9 19.2 2.7 204.8 Assets derecognized -49.2 -8.3 -122.0 -179.4 Gross loans 31.03.2020 394.2 99.7 68.7 562.7 Q2 2020: Transfer from stage 1 to stage 2 -41.3 41.3 - - Transfer from stage 1 to stage 3 -116.5 - 116.5 - Transfer from stage 2 to stage 3 - -14.7 14.7 - Transfer from stage 3 to stage 2 - 1.2 -1.2 - Transfer from stage 2 to stage 1 39.5 -39.5 - - Transfer from stage 3 to stage 1 0.9 - -0.9 - New assets 158.7 14.4 2.0 175.2 Assets derecognized -60.5 -8.7 -122.2 -191.4 Gross loans 30.06.2020 375.1 93.6 77.7 546.5 Q3 2020: Transfer from stage 1 to stage 2 -40.5 40.5 - - Transfer from stage 1 to stage 3 -92.0 - 92.0 - Transfer from stage 2 to stage 3 - -13.0 13.0 - Transfer from stage 3 to stage 2 - 1.1 -1.1 - Transfer from stage 2 to stage 1 36.1 -36.1 - - Transfer from stage 3 to stage 1 0.9 - -0.9 - New assets 161.9 14.2 2.4 178.5 Assets derecognized -64.6 -7.5 -97.6 -169.8 Gross loans 30.09.2020 376.9 92.9 85.4 555.2 Q4 2020: Transfer from stage 1 to stage 2 -38.8 38.8 - - Transfer from stage 1 to stage 3 -66.7 - 66.7 - Transfer from stage 2 to stage 3 - -12.8 12.8 - Transfer from stage 3 to stage 2 - 1.0 -1.0 - Transfer from stage 2 to stage 1 35.4 -35.4 - - Transfer from stage 3 to stage 1 1.2 - -1.2 - New assets 225.6 13.9 3.3 242.8 Assets derecognized -64.1 -7.1 -71.7 -142.9 Gross loans 31.12.2020 469.7 91.3 94.2 655.1 68 Notes to the financial statements