Komplett Bank Annual Report 2020

Key figures Figures in NOK million 2020 2019 2018 2017 2016 P&L items Net interest income 1,027 1,087 959 670 371 Total income 1,100 1,176 1,031 709 391 Operational expenses -388 -442 -339 -222 -129 Losses on loans -364 -454 -249 -119 -86 Profit after tax 263 203 331 274 128 Earnings per share (NOK) 1.36 1.11 1.91 1.60 0.87 Balance sheet items Net loans to customers 8,361 8,496 7,844 5,461 3,322 Deposits from customers 8,992 8,520 7,366 4,330 3,313 Total equity 2,304 1,850 1,620 1,402 718 Other key figures CET1 ratio 22.7% 21.2% 20.0% 25.7% 20.2% Total capital ratio 26.3% 22.5% 21.4% 27.8% 23.6% Cost/income ratio 33.5% 30.5% 22.5% 20.1% 20.4% Loan loss ratio 4.3% 5.6% 3.7% 2.7% 3.5% Return on equity (ROE) 13.6% 12.0% 22.6% 27.0% 25.5% Price per share (NOK) 9.0 12.5 12.6 19.0 16.0 Number of shares 187 184 173 171 148 Market cap 1,680 2,298 2,176 3,256 2,374 Net loan growth -1.6% Net loan (NOK) 8.4 bn Return on equity 13.6% CET1 ratio 22.7% Komplett Bank Annual Report 2020 7