GROSS LOANS TO CUSTOMERS BY SEGMENT Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 2,835.2 213.5 558.6 3,607.3 Consumer loans Finland 1,707.2 157.9 85.9 1,951.0 Consumer loans Sweden 1,261.4 76.2 48.8 1,386.3 Credit cards 462.2 48.7 222.5 733.3 POS Finance 355.6 39.8 146.7 542.1 Gross loans to customers as at 31 December 2021 6,621.9 535.8 1,062.4 8,220.1 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 2,372.6 362.5 664.1 3,399.1 Consumer loans Finland 1,935.4 271.5 741.7 2,948.6 Consumer loans Sweden 1,216.8 110.2 335.0 1,662.0 Credit cards 545.9 91.9 204.3 842.1 POS Finance 469.7 91.3 94.2 655.1 Gross loans to customers as at 31 December 2020 6,540.2 927.5 2,039.2 9,506.9 IMPAIRMENTS OF LOANS TO CUSTOMERS BY SEGMENT Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 53.0 28.6 295.5 377.1 Consumer loans Finland 76.4 34.3 40.3 151.0 Consumer loans Sweden 61.4 21.6 29.8 112.8 Credit cards 8.2 2.6 119.0 129.9 POS Finance 2.8 2.5 46.1 51.4 Impairments of loans as at 31 December 2021 201.9 89.8 530.7 822.2 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 41.0 43.5 247.7 332.2 Consumer loans Finland 52.2 58.2 300.4 410.8 Consumer loans Sweden 50.7 31.0 166.9 248.6 Credit cards 14.7 11.0 78.1 103.8 POS Finance 7.5 6.3 36.6 50.3 Impairments of loans as at 31 December 2020 166.1 150.0 829.7 1,145.8 Komplett Bank / Annual Report 2021 57
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