Komplett Bank Annual Report 2021

Key figures Figures in NOK million 2021 2020 2019 2018 2017 P&L items Net interest income 884 1,069 1,115 960 670 Total income 876 1,100 1,176 1,031 709 Operational expenses -415 - 388 - 442 - 339 - 222 Losses on loans -739 - 364 - 454 - 249 - 119 Profit after tax -209 263 203 331 274 Earnings per share (NOK) -1.19 1.36 1.11 1.91 1.60 Balance sheet items Net loans to customers 7,398 8,361 8,496 7,844 5,461 Deposits from customers 7,934 8,992 8,520 7,366 4,330 Total equity 1,964 2,304 1,850 1,620 1,402 Other key figures CET1 ratio 20.7 % 22.7 % 21.2 % 20.0 % 25.7 % Total capital ratio 24.0 % 26.3 % 22.5 % 21.4 % 27.8 % Cost/income ratio 47.4 % 33.5 % 30.5 % 22.5 % 20.1 % Loan loss ratio 9.4 % 4.3 % 5.6 % 3.7 % 2.7 % Return on equity (ROE) adj 6.6 % 13.6 % 12.0 % 22.6 % 27.0 % Price per share (NOK) 7.7 9.0 12.5 12.6 19.0 Number of shares (million 187 187 184 173 171 Market cap (NOK million) 1,447 1 680 2 298 2 176 3 256 Net loan growth -11.5% Net loan (NOK) 7.4 bn Return on equity (adj) 6.6% CET1 ratio 20.7% Komplett Bank / Annual Report 2021 7

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