Note 2 Products and markets Information about product and market distribution The presentations below are based on internal financial reporting as it is followed up by the Bank’s management team. For 2022 Consumer loans Cards POS Not allocated Amounts in NOK million Norway Finland Sweden NO / FI / SE NO / SE Total Interest income 341.6 250.3 158.9 94.0 50.7 11.5 907.0 Interest expenses -45.4 -31.2 -23.2 -8.5 -5.3 - -113.7 Net interest income 296.2 219.1 135.7 85.5 45.4 11.5 793.3 Commission income and fees 10.3 6.1 4.4 21.8 0.5 10.0 53.0 Commission expenses and fees 0.0 -1.9 - -33.9 - -7.5 -43.3 Net commissions and fees 10.3 4.2 4.4 -12.1 0.5 2.5 9.8 Losses on loans -144.3 -35.7 -102.6 -2.9 -6.5 -0.0 -292.1 Total income reduced by losses on loans 162.2 187.6 37.5 70.5 39.3 13.9 511.0 Gross loans to customers 3,544.6 2,852.8 2,220.8 648.7 373.3 - 9,640.1 Impairment of loans -164.6 -151.5 -149.9 -28.2 -35.1 - -529.4 Net loans to customers 3,380.0 2,701.2 2,070.9 620.5 338.1 - 9,110.7 For 2021 Consumer loans Cards POS Not allocated Amounts in NOK million Norway Finland Sweden NO / FI / SE NO / SE Total Interest income 389.5 237.4 155.1 101.4 81.2 0.9 965.5 Interest expenses -31.4 -23.9 -14.5 -6.8 -5.2 - -81.8 Net interest income 358.1 213.5 140.6 94.6 76.0 0.9 883.7 Commission income and fees 9.3 6.7 4.2 22.1 5.4 4.0 51.6 Commission expenses and fees -11.8 -6.8 -11.7 -30.8 -1.8 - -62.9 Net commissions and fees -2.5 -0.1 -7.5 -8.8 3.6 4.0 -11.3 Losses on loans -268.0 -262.7 -169.1 -38.2 -1.1 - -739.1 Total income reduced by losses on loans 87.5 -49.3 -36.0 47.6 78.5 4.8 133.2 Gross loans to customers 3,607.3 1,951.0 1,386.3 733.3 542.1 - 8,220,1 Impairment of loans -377.1 -151.0 -112.8 -129.9 -51.4 - -822.2 Net loans to customers 3,230.2 1,799.9 1,273.5 603.5 490.7 - 7,397,8 54 Notes to the financial statements
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