Komplett Bank Annual Report 2021

Note 16 Credit risk MAXIMUM EXPOSURE LOANS TO CUSTOMERS AS AT 31 DECEMBER 2021: Amounts in NOK million Stage 1 Stage 2 Stage 3 Time horizon PD-interval Consumer loans Norway - risk stage A 4,009.88 - - 12 months 0,5 % - 5,4 % Consumer loans Norway - risk stage B - 290.75 - Lifetime 37.4 % Consumer loans Norway - risk stage C - 51.88 - Lifetime 72.1 % Consumer loans Norway - risk stage D - - 691.27 Lifetime 100.0 % Consumer loans Finland - risk stage A 2,381.84 - - 12 months 0,2 % - 8,9 % Consumer loans Finland - risk stage B - 191.65 - Lifetime 49.6 % Consumer loans Finland - risk stage C - 37.00 - Lifetime 65.7 % Consumer loans Finland - risk stage D - - 37.92 Lifetime 100.0 % Consumer loans Sweden - risk stage A 1,578.72 - - 12 months 1,1 % - 8,8 % Consumer loans Sweden - risk stage B - 95.28 - Lifetime 57.8 % Consumer loans Sweden - risk stage C - 19.71 - Lifetime 85.5 % Consumer loans Sweden - risk stage D - - 31.23 Lifetime 100.0 % Credit cards - risk stage A 1,706.43 - - 12 months 0,6 % - 4,0 % Credit cards - risk stage B - 68.71 - Lifetime 23.3 % Credit cards - risk stage C - 5.79 - Lifetime 58.6 % Credit cards - risk stage D - - 232.40 Lifetime 100.0 % POS Finance - risk stage A 327.98 - - 12 months 4.2 % POS Finance - risk stage B - 51.63 - Lifetime 35.5 % POS Finance - risk stage C - - 124.16 Lifetime 100.0 % Total maximum exposure loans to customers 10,004.85 812.37 1,116.98 MAXIMUM EXPOSURE LOANS TO CUSTOMERS AS AT 31 DECEMBER 2020: Amounts in NOK million Stage 1 Stage 2 Stage 3 Time horizon PD-interval Consumer loans Norway - risk stage A 3,437.92 - - 12 months 4,1 % - 8,8 % Consumer loans Norway - risk stage B - 267.47 - Lifetime 39,7 % - 56,2 % Consumer loans Norway - risk stage C - 36.41 - Lifetime 71,6 % - 84,8 % Consumer loans Norway - risk stage D - - 624.87 Lifetime 100.0 % Consumer loans Finland - risk stage A 2,329.96 - - 12 months 8,4 % - 11,3 % Consumer loans Finland - risk stage B - 220.30 - Lifetime 50,9 % - 56,4 % Consumer loans Finland - risk stage C - 66.97 - Lifetime 83,1 % - 89,1 % Consumer loans Finland - risk stage D - - 794.97 Lifetime 100.0 % Consumer loans Sweden - risk stage A 1,443.56 - - 12 months 8.4 % Consumer loans Sweden - risk stage B - 85.11 - Lifetime 50.9 % Consumer loans Sweden - risk stage C - 20.14 - Lifetime 83.1% Consumer loans Sweden - risk stage D - - 326.55 Lifetime 100.0 % Credit cards - risk stage A 1,685.30 - - 12 months 0,0 % - 9,2 % Credit cards - risk stage B - 77.63 - Lifetime 33,3 % - 42,9 % Credit cards - risk stage C - 8.13 - Lifetime 83.7 % Credit cards - risk stage D - - 198.89 Lifetime 100.0 % POS Finance - risk stage A 424.46 - - 12 months 9.2 % POS Finance - risk stage B - 65.00 - Lifetime 42.9 % POS Finance - risk stage C - - 104.47 Lifetime 100.0 % Total maximum exposre loans to customers 9,321.20 847.17 2,049.74 Maximum exposures for loans to customers includes both drawn and undrawn credit facilities. For additional information, see also note 3 regarding losses and impairments on loans. Komplett Bank / Annual Report 2021 71

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