However, we see positive prospects for growth and increased profitability this year. The prospects are based on the bank having a well-diversified loan portfolio of 10 billion Norwegian kroner, a continued strong inflow of loan applications, profitable operations, and exposure to a robust Nordic market for consumer financing. We are by no means at the end of an exciting journey. Not even at the beginning of the end, but we are probably at the end of the beginning. It has been tough, but there has been great understanding for the changes that have been made. It has impressed me. I am very proud of the commitment of our talented employees. It will prove to be a real asset in the coming months and years. Komplett Bank is currently a bank with a solid capital base that provides good support for our growth strategy. I look forward to continuing the journey towards a more profitable and cost-effective niche bank. Øyvind Oanes, CEO Komplett Bank today has a solid foundation that provides good support for our growth strategy. Komplett Bank / Annual Report 2022 9
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