Komplett Bank Annual Report 2020

Information on products and geographical distribution Below comes information about income, cost, net loans to customers and impairments related to the different products the Bank is offering. 2020: Consumer loans NOK million Norway Finland Sweden Credit cards POS Finance Not allocated product Total Income 2020 Interest income 505.3 314.0 152.4 134.9 60.9 4.4 1,171.9 Income commissions and fees 25.9 20.5 4.1 29.5 31.0 - 111.0 Total 531.2 334.6 156.5 164.3 91.8 4.4 1,282.9 Selected costs per product 2020 Interest expenses 53.3 44.1 25.1 12.7 9.6 - 144.8 Expenses commissions and fees 5.2 5.5 2.5 35.1 0.9 - 49.3 Losses on loans 80.6 77.2 119.8 45.5 41.2 - 364.3 Total 139.2 126.8 147.4 93.4 51.7 - 558.5 Net loans 31.12.2020 Net loans to customers 3,168.9 2,484.2 1,402.1 728.7 577.2 - 8,361.2 Total 3,168.9 2,484.2 1,402.1 728.7 577.2 - 8,361.2 Impairment 31.12.2020 Impairment of loans to customers 333.0 409.5 248.6 104.4 50.4 - 1,145.8 Total 333.0 409.5 248.6 104.4 50.4 - 1,145.8 2019: Consumer loans NOK million Norway Finland Sweden Credit cards POS Finance Not allocated product Total Income 2019 Interest income 619.2 277.3 119.3 163.5 53.2 21.8 1,254.2 Income commissions and fees 34.3 19.9 1.3 40.9 25.3 3.5 125.4 Total 653.5 297.2 120.6 204.4 78.5 25.3 1,379.6 Selected costs per product 2019 Interest expenses 82.5 43.8 16.4 16.4 8.0 - 167.2 Expenses commissions and fees 5.5 6.0 1.6 24.7 0.7 - 38.6 Losses on loans 142.4 189.6 79.4 26.5 16.4 - 454.3 Total 230.4 239.4 97.5 67.7 25.1 - 660.1 Net loans 31.12.2019 Net loans to customers 3,699.5 2,428.9 1,061.8 800.5 505.0 - 8,495.8 Total 3,699.5 2,428.9 1,061.8 800.5 505.0 - 8,495.8 Impairment 31.12.2019 Impairment of loans to customers 286.3 319.1 115.4 57.1 32.3 - 810.1 Total 286.3 319.1 115.4 57.1 32.3 - 810.1 Komplett Bank Annual Report 2020 83