Restoring operational efficiency and improve scalability is another key pillar in our strategic roadmap. To keep up with market dynamics, we need to re-engineer some of our key processes and increase the level of automation to handle our workflows more efficiently. The Bank’s tech platform has served us well in a period of fast growth. However, we do see a need to streamline legacy architecture and accelerate the transition away from in-house solutions. 2022 will be a transition year for the Bank where we gradually will see the effects of the action plans established at the end of 2021. Looking beyond 2022, the outlook is positive with solid market fundamentals. We are a bank with a strong capital base to support our strategy, and our operational risk has been reduced significantly through the cleaning of the balance sheet and the established forward flow agreements. We are still a relatively small fish in a NOK 600 billion pond with a strong brand and great potential. That is why I took on the role as new CEO. I believe Komplett Bank is about to enter a new era and I am looking forward to creating value for all our stakeholders together with my competent and highly motivated colleagues. Øyvind Oanes, CEO A strong and highly motivated team is now fully focused on executing on a clear plan to reposition Komplett Bank for growth Komplett Bank / Annual Report 2021 9
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