Komplett Bank Annual Report 2020

RECONCILIATION OF IMPAIRMENTS OF CREDIT CARD LOANS TO CUSTOMERS NOK million stage 1 stage 2 stage 3 Total Impairment 01.01.2019 8.9 12.1 42.3 63.3 Q1 2019: Transfer from stage 1 to stage 2 -0.7 0.7 - - Transfer from stage 1 to stage 3 -0.0 - 0.0 - Transfer from stage 2 to stage 3 - -3.3 3.3 - Transfer from stage 3 to stage 2 - - - - Transfer from stage 2 to stage 1 2.7 -2.7 - - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 1.2 5.5 3.7 10.3 Assets derecognized or change in provisions -2.8 -0.9 -17.1 -20.8 Other changes 0.2 0.1 2.1 2.4 Impairment 31.03.2019 9.4 11.3 34.4 55.2 Q2 2019: Transfer from stage 1 to stage 2 -0.7 0.7 - - Transfer from stage 1 to stage 3 -0.0 - 0.0 - Transfer from stage 2 to stage 3 - -2.7 2.7 - Transfer from stage 3 to stage 2 - 0.1 -0.1 - Transfer from stage 2 to stage 1 2.6 -2.6 - - Transfer from stage 3 to stage 1 0.5 - -0.5 - New financial assets originated or change in provisions 0.7 4.9 4.6 10.2 Assets derecognized or change in provisions -3.3 -1.6 -7.3 -12.2 Other changes -1.7 3.0 -1.1 0.2 Impairment 30.06.2019 7.6 13.0 32.7 53.3 Q3 2019: Transfer from stage 1 to stage 2 -1.0 1.0 - - Transfer from stage 1 to stage 3 -0.0 - 0.0 - Transfer from stage 2 to stage 3 - -3.6 3.6 - Transfer from stage 3 to stage 2 - - - - Transfer from stage 2 to stage 1 2.5 -2.5 - - Transfer from stage 3 to stage 1 0.3 - -0.3 - New financial assets originated or change in provisions 1.4 8.5 3.9 13.9 Assets derecognized or change in provisions -3.3 -1.0 -8.1 -12.3 Other changes 1.2 0.4 0.0 1.6 Impairment 30.09.2019 8.7 15.8 31.9 56.5 Q4 2019: Transfer from stage 1 to stage 2 -1.1 1.1 - - Transfer from stage 1 to stage 3 -0.0 - 0.0 - Transfer from stage 2 to stage 3 - -5.8 5.8 - 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 2.1 7.1 11.3 20.5 Assets derecognized or change in provisions -3.2 -1.2 -8.1 -12.6 Other changes -3.0 -3.8 -0.6 -7.4 Impairment 31.12.2019 6.1 10.8 40.2 57.1 Komplett Bank Annual Report 2020 79