Key figures Figures in NOK million 2022 2021 2020 2019 2018 P&L items Net interest income 793 884 1 069 1 115 960 Total income 801 876 1 100 1 176 1 031 Operational expenses -507 -415 - 388 - 442 - 339 Losses on loans -292 -739 - 364 - 454 - 249 Profit after tax 1 -209 263 203 331 Earnings per share (NOK) -0.07 -1.19 1.36 1.11 1.91 Balance sheet items Gross loan to customers 9,640 8,220 9,507 9,306 8,316 Net loans to customers 9,111 7,398 8,361 8,496 7,844 Deposits from customers 9,348 7,934 8,992 8,520 7,366 Total equity 1,953 1,964 2,304 1,850 1,620 Other key figures CET1 ratio 20.5 % 20.7 % 22.7 % 21.2 % 20.0 % Total capital ratio 23.6 % 24.0 % 26.3 % 22.4 % 21.4 % Cost/income ratio 63.3 % 47.4 % 35.2 % 37.6 % 32.9 % Loan loss ratio 3.3 % 9.4 % 4.3 % 5.6 % 3.7 % Return on equity (ROE) adj -0.8 % 6.5 % 14.7 % 17.2 % 22.6 % Price per share (NOK) 4.8 7.7 9.0 12.5 12.6 Number of shares (million 187 187 187 184 173 Market cap (NOK million) 900 1 447 1 680 2 298 2 176 Gross loan growth 23.2 % Gross loan (NOK) 9.6 bn CET ratio 20.5 % Capital ratio 23.6 % Komplett Bank / Annual Report 2022 7
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