FOR 2021: Consumer loans Credit cards POS Finance Amounts in NOK million Norway Finland Sweden NO/FI/SE NO/SE Total Sensitivity by changing loss given default parameters at the end of 2021: Profit or loss effect at 1% change 8.2 7.2 3.1 2.2 1.3 22.0 Profit or loss effect at 2% change 16.4 14.4 6.2 4.5 2.5 44.0 Profit or loss effect at 5% change 41.0 35.9 15.6 11.2 6.3 110.0 Sensitivity by changing probability of default parameters at the end of 2021: Profit or loss effect at 1% change 5.3 1.1 2.0 0.5 0.3 9.2 Profit or loss effect at 2% change 10.7 5.3 3.9 1.0 0.7 21.6 Profit or loss effect at 5% change 21.3 13.6 7.9 2.2 1.4 46.3 Sensitivity by changing macroeconomic adjustments at the end of 2021: Profit or loss effect at 1% change 1.3 1.3 0.4 0.2 0.1 3.4 Profit or loss effect at 2% change 2.7 2.7 0.8 0.4 0.2 6.7 Profit or loss effect at 5% change 6.7 6.6 2.1 0.9 0.5 16.9 FOR 2020: Consumer loans Credit cards POS Finance Amounts in NOK million Norway Finland Sweden NO/FI/SE NO/SE Total Sensitivity by changing loss given default parameters at the end of 2020: Profit or loss effect at 1% change 8.2 7.2 3.1 2.2 1.3 22.0 Profit or loss effect at 2% change 16.4 14.4 6.2 4.5 2.5 44.0 Profit or loss effect at 5% change 41.0 35.9 15.6 11.2 6.3 110.0 Sensitivity by changing probability of default parameters at the end of 2020: Profit or loss effect at 1% change 5.3 1.1 2.0 0.5 0.3 9.2 Profit or loss effect at 2% change 10.7 5.3 3.9 1.0 0.7 21.6 Profit or loss effect at 5% change 21.3 13.6 7.9 2.2 1.4 46.3 Sensitivity by changing macroeconomic parameters at the end of 2020: Profit or loss effect at 1% change 1.3 1.3 0.4 0.2 0.1 3.4 Profit or loss effect at 2% change 2.7 2.7 0.8 0.4 0.2 6.7 Profit or loss effect at 5% change 6.7 6.6 2.1 0.9 0.5 16.9 72 Notes to the financial statements
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