Komplett Bank Annual Report 2020

RECONCILIATION OF IMPAIRMENTS OF CONSUMER LOANS TO CUSTOMERS SWEDEN NOK million stage 1 stage 2 stage 3 Total Impairment 01.01.2019 10.3 10.6 12.2 33.1 Q1 2019: Transfer from stage 1 to stage 2 -0.7 0.7 - - Transfer from stage 1 to stage 3 -0.1 - 0.1 - Transfer from stage 2 to stage 3 - -4.3 4.3 - Transfer from stage 3 to stage 2 - - - - Transfer from stage 2 to stage 1 2.3 -2.3 - - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 4.7 7.7 4.7 17.0 Assets derecognized or change in provisions -2.4 -0.4 -0.4 -3.2 Other changes 0.5 0.4 -1.7 -0.8 Impairment 31.03.2019 14.6 12.3 19.2 46.1 Q2 2019: Transfer from stage 1 to stage 2 -0.8 0.8 - - Transfer from stage 1 to stage 3 -0.1 - 0.1 - Transfer from stage 2 to stage 3 - -6.1 6.1 - Transfer from stage 3 to stage 2 - - - - Transfer from stage 2 to stage 1 0.9 -0.9 - - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 3.4 10.0 5.0 18.4 Assets derecognized or change in provisions -1.4 -0.3 -0.0 -1.8 Other changes -2.0 0.1 -0.3 -2.2 Impairment 30.06.2019 14.7 15.7 30.2 60.6 Q3 2019: Transfer from stage 1 to stage 2 -1.0 1.0 - - Transfer from stage 1 to stage 3 -0.2 - 0.2 - Transfer from stage 2 to stage 3 - -7.0 7.0 - Transfer from stage 3 to stage 2 - 0.1 -0.1 - Transfer from stage 2 to stage 1 2.4 -2.4 - - Transfer from stage 3 to stage 1 0.3 - -0.3 - New financial assets originated or change in provisions 5.6 11.1 6.9 23.7 Assets derecognized or change in provisions -3.5 -0.7 -0.5 -4.8 Other changes 0.8 0.2 0.4 1.3 Impairment 30.09.2019 19.1 17.9 43.7 80.7 Q4 2019: Transfer from stage 1 to stage 2 -1.0 1.0 - - Transfer from stage 1 to stage 3 -0.3 - 0.3 - Transfer from stage 2 to stage 3 - -7.8 7.8 - Transfer from stage 3 to stage 2 - 0.1 -0.1 - Transfer from stage 2 to stage 1 3.3 -3.3 - - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 3.8 9.3 9.0 22.1 Assets derecognized or change in provisions -4.0 -0.8 -1.4 -6.2 Other changes 7.6 5.8 5.4 18.8 Impairment 31.12.2019 28.5 22.3 64.6 115.4 Komplett Bank Annual Report 2020 77