Komplett Bank Annual Report 2022

Note 3 Loans to customers and impairments LOANS TO CUSTOMERS Amounts in NOK million 31 Dec. 2022 31 Dec. 2021 Gross loans to customers 9,640.1 8,220.1 Impairment of loans -529.4 -822.2 Net loans to customers 9,110.7 7,397.8 The Bank has only loans to individuals and has not issued any guarantees, neither as at 31 December 2022 nor as at 31 December 2021. DEFAULTED LOANS TO CUSTOMERS Amounts in NOK million 31 Dec. 2022 31 Dec. 2021 Gross defaulted loans to customers ¹ 429.7 1,062,4 Impairment of loans to customers (stage 3) -195.0 -530.7 Net defaulted loans to customers 234.7 531.8 1 Defaulted loans are comprised, amongst other, of loans which are overdue by over 90 days according to agreed payment schedule. Defaulted loans sent to debt collection continue will be considered defaulted regardless of future payment status. Defaulted loans also comprise of loans with other indications of unlikeness to pay. LOSSES ON LOANS (RESULT) Amounts in NOK million 2022 2021 +/- Change in stage 3 impairment 335.7 299.0 +/- Change in stage 1 and 2 impairments -42.7 24.4 Realized losses and effects of portfolio sales -585.1 -1,062.6 Losses on loans -292.1 -739.1 See note 2 for information about losses on loans (result) per products and markets. The Bank has forward flow agreements for monthly transfer of defaulted loans for consumer loans in all countries and for credit cards in Norway. The Bank also had two one-off sales of defaulted loans, one i 2021 and one in 2022. Total gross loans that was sold were NOK 1,230.1 million in 2022 and NOK 1,597.1 million in 2021. Komplett Bank / Annual Report 2022 55

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