Komplett Bank Annual Report 2022

Komplett Bank in brief	4
2022 in numbers	6
Letter from the CEO	8
Repositioning the Bank for profitable growth	8
Shareholder information	10
Board of Directors	12
Management	14
Corporate governance	15
ESG/Sustainability/CSR report	22
Board of Directors’ Report	30
Confirmation of Annual Report and Board of Directors’ Report	38
Financial statements	41
Comprehensive income statement	42
Balance sheet	43
Statement of changes in equity	44
Cash flow statement	45
Notes to the financial statements	46
Note 1 Accounting principles	47
Note 2 Products and markets	54
Note 3 Loans to customers and impairments	55
Note 4 Income	59
Note 5 Operating expenses	60
Note 6 Share option programs	61
Note 7 Tax expenses	63
Note 8 Financial instruments	64
Note 9 Loans and deposits with credit institutions	65
Note 10 Certificates and bonds	65
Note 11 Fixed and intangible assets	66
Note 12 Lease agreements	67
Note 13 Other debt	68
Note 14 Capital adequacy	69
Note 15 Risk management	71
Note 16 Credit risk	72
Note 17 Liquidity and interest rate risk	74
Note 18 Earnings per share	77
Note 19 Shareholders	78
Note 20 Remuneration etc.	79
Note 21 Related parties	82
Note 22 Alternative performance measures	82
Note 23 Off-balance-sheet items	84
Note 24 Other significant events	85
Note 25 Subsequent events	85
Auditor’s report	86

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