Note 2 Segments Information about products and geographical distribution The presentation of segments below are based on internal financial reporting is followed up and assessed by the Bank’s management. FOR 2021: Consumer loans Credit cards POS Finance Not allocated Amounts in NOK million Norway Finland Sweden NO / FI / SE NO / SE Total Interest income 389.5 237.4 155.1 101.4 81.2 0.9 965.5 Interest expenses -31.4 -23.9 -14.5 -6.8 -5.2 - -81.8 Net interest income 358.1 213.5 140.6 94.6 76.0 0.9 883.7 Commission income and fees 9.3 6.7 4.2 22.1 5.4 4.0 51.6 Commission expenses and fees -11.8 -6.8 -11.7 -30.8 -1.8 - -62.9 Net commissions and fees -2.5 -0.1 -7.5 -8.8 -3.6 4.0 -11.3 Losses on loans -268.0 -262.7 -169.1 -38.2 -1.1 - -739.1 Total income reduced by losses on loans 87.5 -49.3 -36.0 47.6 78.5 4.8 133.2 Gross loans to customers 3,607.3 1,951.0 1,386.3 733.3 542.1 - 8,220.1 Impairment of loans -377.1 -151.0 -112.8 -129.9 -51.4 - -822.2 Net loans to customers 3,230.2 1,799.9 1,273.5 603.5 490.7 - 7,397.8 FOR 2020: Consumer loans Credit cards POS Finance Not allocated Amounts in NOK million Norway Finland Sweden NO / FI / SE NO / SE Total Interest income 515.9 324.8 152.4 134.9 81.5 4.5 1,213.9 Interest expenses -53.3 -44.1 -25.1 -12.7 -9.6 - -144.8 Net interest income 462.6 280.7 127.2 122.2 71.9 4.5 1,069.1 Commission income and fees 14.6 9.8 4.1 29.5 10.4 0.7 69.0 Commission expenses and fees -7.1 -3.4 -7.1 -30.4 -1.3 - -49.3 Net commissions and fees 7.4 6.5 -3.0 -1.0 9.1 0.7 19.7 Losses on loans -80.6 -77.2 -119.8 -45.5 -41.2 - -364.3 Total income reduced by losses on loans 389.4 210.0 4.4 75.7 39.8 5.2 724.5 Gross loans to customers 3,501.9 2,893.7 1,650.7 833.1 627.6 - 9,506.9 Impairment of loans -333.0 -409.5 -248.6 -104.4 -50.4 - -1,145.8 Net loans to customers 3,168.9 2,484.2 1,402.1 728.7 577.2 - 8,361.2 Komplett Bank / Annual Report 2021 53
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