Komplett Bank Annual Report 2020

Note 10 Specification of interest and commission and fees INTEREST INCOME NOK million 2020 2019 1) Interest income from loans to customers 1,167.4 1,232.5 Interest from certificates and bonds 4.4 20.3 Interest income from loans and deposits with credit institutions 0.1 1.4 Total interest income 1,171.9 1,254.2 INTEREST EXPENSES NOK million 2020 2019 1) Interest expense from deposit from customers 109.7 140.2 Interest expense from subordinated loans and senior unsecured bond 4.0 9.9 Other interest expenses 31.1 17.1 Total interest expenses 144.8 167.2 INCOME COMMISSIONS AND FEES NOK million 2020 2019 1) Insurance services 48.2 58.4 Fees 62.8 67.0 Total income commisions and fees 111.0 125.4 EXPENSES COMMISSIONS AND FEES NOK million 2020 2019 1) Provisions to other bank connections 6.0 5.8 Other expenses commissions and fees 43.2 32.8 Total expenses commissions and fees 49.3 38.6 SPESIFICATION OF INTEREST INCOME THAT ARE CALCULATED USING THE EFFECTIVE INTEREST METHOD NOK million 2020 2019 1) Interest income from loans to customers 1,167.4 1,232.5 Interest income from loans and deposits with credit institutions 0.1 1.4 Total interest income calculated using the effective interest method 1,167.5 1,233.9 1) The 2019 numbers are reworked. See note 23. Komplett Bank Annual Report 2020 91