Komplett Bank Annual Report 2020

RECONCILIATION OF IMPAIRMENTS OF POS FINANCE LOANS TO CUSTOMERS NOK million stage 1 stage 2 stage 3 Total Impairment 01.01.2019 4.6 5.0 6.3 15.9 Q1 2019: Transfer from stage 1 to stage 2 -0.4 0.4 - - Transfer from stage 1 to stage 3 -0.0 - 0.0 - Transfer from stage 2 to stage 3 - -0.8 0.8 - Transfer from stage 3 to stage 2 - 0.2 -0.2 - Transfer from stage 2 to stage 1 0.2 -0.2 - - Transfer from stage 3 to stage 1 0.1 - -0.1 - New financial assets originated or change in provisions 4.9 3.4 5.8 14.1 Assets derecognized or change in provisions -3.9 -3.3 -1.0 -8.2 Other changes - - - - Impairment 31.03.2019 5.4 4.6 11.7 21.7 Q2 2019: Transfer from stage 1 to stage 2 -1.4 1.4 - - Transfer from stage 1 to stage 3 -0.1 - 0.1 - Transfer from stage 2 to stage 3 - -1.6 1.6 - Transfer from stage 3 to stage 2 - - - - Transfer from stage 2 to stage 1 1.1 -1.1 - - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 3.5 1.8 3.8 9.1 Assets derecognized or change in provisions -3.6 -0.1 -1.9 -5.7 Other changes 0.3 0.5 - 0.8 Impairment 30.06.2019 5.2 5.5 15.2 26.0 Q3 2019: Transfer from stage 1 to stage 2 -1.3 1.3 - - Transfer from stage 1 to stage 3 - - - - Transfer from stage 2 to stage 3 - -3.2 3.2 - Transfer from stage 3 to stage 2 - 0.1 -0.1 - Transfer from stage 2 to stage 1 1.3 -1.3 - - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 6.4 5.8 2.6 14.8 Assets derecognized or change in provisions -5.1 -1.9 -3.1 -10.2 Other changes 0.1 0.1 - 0.2 Impairment 30.09.2019 6.6 6.4 17.8 30.8 Q4 2019: Transfer from stage 1 to stage 2 -1.0 1.0 - Transfer from stage 1 to stage 3 - - - - Transfer from stage 2 to stage 3 - -0.9 0.9 - Transfer from stage 3 to stage 2 - - - - Transfer from stage 2 to stage 1 0.8 -0.8 - Transfer from stage 3 to stage 1 - - - - New financial assets originated or change in provisions 10.5 4.0 4.1 18.6 Assets derecognized or change in provisions -8.1 -2.6 -0.3 -11.1 Other changes -3.5 -2.6 0.1 -6.0 Impairment 31.12.2019 5.2 4.5 22.6 32.3 Komplett Bank Annual Report 2020 81