Komplett Bank Annual Report 2020

RECONCILIATION OF GROSS LOANS TO POS FINANCE CUSTOMER NOK million stage1 stage2 stage3 Total Gross loans 01.01.2019 279.1 54.2 24.1 357.3 Q1 2019: Transfer from stage 1 to stage 2 -18.0 18.0 - Transfer from stage 1 to stage 3 -0.1 0.1 - Transfer from stage 2 to stage 3 -0.9 0.9 - Transfer from stage 3 to stage 2 0.7 -0.7 - Transfer from stage 2 to stage 1 18.0 -18.0 - Transfer from stage 3 to stage 1 0.2 -0.2 - New assets 87.8 18.5 2.1 108.4 Assets derecognized -71.1 -7.0 -1.2 -79.3 Gross loans 31.03.2019 295.9 65.5 25.1 386.5 Q2 2019: Transfer from stage 1 to stage 2 -21.5 21.5 - Transfer from stage 1 to stage 3 -0.2 0.2 - Transfer from stage 2 to stage 3 -2.5 2.5 - Transfer from stage 3 to stage 2 0.1 -0.1 - Transfer from stage 2 to stage 1 14.0 -14.0 - Transfer from stage 3 to stage 1 - - - New assets 62.0 4.0 7.7 73.7 Assets derecognized -61.9 0.3 -0.2 -61.9 Gross loans 30.06.2019 288.3 74.9 35.2 398.3 Q3 2019: Transfer from stage 1 to stage 2 -19.0 19.0 - Transfer from stage 1 to stage 3 -0.2 0.2 - Transfer from stage 2 to stage 3 -5.4 5.4 - Transfer from stage 3 to stage 2 0.5 -0.5 - Transfer from stage 2 to stage 1 22.0 -22.0 - Transfer from stage 3 to stage 1 0.1 -0.1 - New assets 103.4 20.8 5.4 129.6 Assets derecognized -87.7 -7.0 -2.4 -97.1 Gross loans 30.09.2019 306.9 80.7 43.2 430.8 Q4 2019: Transfer from stage 1 to stage 2 -34.3 34.3 - Transfer from stage 1 to stage 3 -0.4 0.4 - Transfer from stage 2 to stage 3 -8.5 8.5 - Transfer from stage 3 to stage 2 1.2 -1.2 - Transfer from stage 2 to stage 1 18.0 -18.0 - Transfer from stage 3 to stage 1 0.3 -0.3 - New assets 204.3 17.1 11.5 232.9 Assets derecognized -103.1 -20.1 -3.2 -126.4 Gross loans 31.12.2019 391.7 86.7 58.9 537.3 Loans with granted special conditions as at 31.12.2020 amounts to MNOK 31.9. MNOK 27.2 is classified in stage 2 and MNOK 4.6 is classified in stage 3. No receivables with special conditions were recognized as at 31.12.2019. Komplett Bank Annual Report 2020 69