Komplett Bank Annual Report 2022

GROSS LOANS TO CUSTOMERS BY PRODUCTS AND MARKETS Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 3,122.1 264.4 142.6 3,544.6 Consumer loans Finland 2,512.8 212.8 114.9 2,852.8 Consumer loans Sweden 1,956.2 165.7 89.1 2,220.8 Credit cards 571.3 48.4 28.9 648.7 POS 328.8 27.8 54.2 373.3 Gross loans to customers as at 31 December 2022 8,491.2 719.2 429.7 9,640.1 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 2,835.2 213.5 558.6 3,607.3 Consumer loans Finland 1,707.2 157.9 85.9 1,951.0 Consumer loans Sweden 1,261.4 76.2 48.8 1,386.3 Credit cards 462.2 48.7 222.5 733.3 POS 355.6 39.8 146.7 542.1 Gross loans to customers as at 31 December 2021 6,621.9 535.8 1,062.4 8,220.1 IMPAIRMENTS OF LOANS TO CUSTOMERS BY PRODUCTS AND MARKETS Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 62.9 30.2 71.5 164.6 Consumer loans Finland 60.1 48.8 42.6 151.5 Consumer loans Sweden 72.9 41.3 35.8 149.9 Credit cards 7.5 5.4 15.2 28.2 POS 2.1 3.2 29.8 35.1 Impairments of loans as at 31 December 2022 205.5 128.9 195.0 529.4 Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Consumer loans Norway 53.0 28.6 295.5 377.1 Consumer loans Finland 76.4 34.3 40.3 151.0 Consumer loans Sweden 61.4 21.6 29.8 112.8 Credit cards 8.2 2.6 119.0 129.9 POS 2.8 2.5 46.1 51.4 Impairments of loans as at 31 December 2021 201.9 89.8 530.7 822.2 58 Notes to the financial statements

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