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Company Presentation a Specialised Consumer Finance Company Growing Across the Nordics Company presentation A specialised consumer finance company growing across the Nordics Updated Q4 2020 1 Disclaimer ABOUT THIS PRESENTATION This presentation has been prepared solely for information purposes by Komplett Bank ASA (the “Company” or “Komplett Bank”). This presentation is being made only to, and is only directed at, persons to whom such presentation may lawfully be communicated ("relevant persons"). Any person who is not a relevant person should not act or rely on the presentation or any of its contents. This presentation does not constitute an offering of securities or otherwise constitute an invitation or inducement to any person to underwrite, subscribe for or otherwise acquire securities in Komplett Bank. The release, publication or distribution of this presentation in certain jurisdictions may be restricted by law, and therefore persons in such jurisdictions into which this presentation is released, published or distributed should inform themselves about, and observe, such restrictions. The presentation and the conclusions contained herein are necessarily based on economic, market and other conditions, as in effect on, and the information available to Komplett Bank as of, its date. The presentation does not purport to contain a complete description of Komplett Bank or the markets in which the bank operates. Neither Komplett Bank nor any of its affiliates or any third party have independently verified any information used in preparing this presentation. Neither Komplett Bank nor any of the affiliates (nor any of its or their respective directors, officers, employees, professional advisers or representative) makes any representation or warranty, express or implied, with respect to the fairness, correctness, accuracy, reasonableness or completeness of such information, these materials (including, without limitation, any opinion contained therein), any of their contents or any of the results that can be derived from the presentation or any written or oral information provided in connection therewith. Without limiting a person's liability for fraud, no responsibility or liability (whether in contract, tort or otherwise) is or will be accepted by Komplett Bank or any of its affiliates or any of its or their respective directors, officers, representatives, employees, advisers or agents) as to, or in relation to, the presentation, its contents, the accuracy, reliability, adequacy or completeness of the information used in preparing these materials, any of their contents or any of the results that can be derived from the presentation or any written or oral information provided in connection therewith. Any statement, estimate or projections included in the presentation (or upon which any of the conclusion contained herein are based) with respect to anticipated future performance may prove not to be correct. No representation or warranty is given as to the completeness or accuracy of any information in this presentation, including forward-looking statements contained in the presentation or the accuracy of any of the underlying assumptions. Nothing contained herein shall constitute any representation or warranty as to the future performance of Komplett Bank, any financial instrument, credit, currency rate or other market or economic measure. Neither Komplett Bank nor any of its affiliates has verified the achievability of any estimate or forecast of future financial performance contained herein. Information about past performance given in these materials is given for illustrative purposes only and should not be relied upon as, and is not, an indication of future performance. Neither Komplett Bank nor any of its affiliates accepts or will accept any responsibility, duty of care, liability or obligations for providing any relevant person with access to additional information, for updating, modifying or otherwise revising the presentation or any of its content which may become apparent, or for notifying any relevant person or any other person of any such inaccuracy. By accepting these materials, each relevant person represents and warrants that it is able to receive them without contravention of legal or regulatory restrictions in the jurisdiction in which such recipient resides or conducts business. By accepting the presentation, each relevant person agrees to be bound by the foregoing limitations. 2 Banking is changing In an increasingly digital society, with a multitude of available options, we understand the importance of flexibility 3 We provide flexible, convenient loans for creditworthy customers Digital platform Specialised consumer Providing flexibility with online offering finance solutions when people need it Consumer loans Credit cards Point-of-sales finance Deposit accounts 4 (NRI index (NRI countries digitised 50 most World’s Nordic countries receptive for digital consumer banking offering Source: Source: World The Economic Forum * Singapore benefit from emergingbenefit from technologies and capitalise on opportunities the digitaltransformationfrom Networked Readiness Index isusedcountries’World to(NRI) by theEconomic assess Forum preparedness Finland Sweden Norway United States Netherlands Switzerland United Kingdom * Luxembourg ) Japan Denmark Hong Kong South Korea Canada Germany Iceland New Zealand Australia Taiwan Austria Israel Estonia Belgium France Ireland UAE (2016) Qatar Bahrain Lithuania Portugal Malaysia Latvia Saudi Arabia Malta Spain Czech Republic Slovenia ** ** Definitions consumer between differof may creditcountries. Currencyhistorical conversionsare based onannual conversion average rates Chile Kazakhstan Cyprus Russia Poland Uruguay Costa Rica Italy Macedonia Slovakia Turkey Mauritius Hungary billion) (EUR and Norway Finland Sweden, loans consumer Total 2008 Financial Supervisory Supervisory Financial Authority (FI), Bank Finland’s Source: Supervisory Financial Norwegian Authority (NFSA), Swedish 2009 2010 ** 2011 Sweden 2012 2013 2014 Finland 2015 Norway 2016 2017 2018 2019 5 10 15 20 25 30 35 40 45 50 55 5 5 A Nordic specialised consumer finance company • Offering flexible consumer financing solutions to customers across the Nordics • 324,000 customers across four product areas in Norway, Sweden and Finland • Strategic partnership with Komplett Group, largest e-commerce company in the Nordics • Multichannel distribution via own websites and agents • Digital and scalable, low-cost operations • Robust balance sheet, well capitalised for further growth • Founded in 2014, listed on Oslo Stock Exchange in 2017 Consumer loans Credit cards Point-of-sales finance Deposit accounts 70,400 customers 62,000 customers 156,000 customers 37,000 customers NOK 7,100 million net NOK 729 million net NOK 577 million net NOK 8,900 million loans loans loans deposits Q4 2020 figures 6 Proven track record since inception Net loans (NOK million) Profitability 8 496 8 361 7 844 331 274 263 5 461 25% 30% 23% 203 3 322 129 12% 13% 4% 1 601 442 11 2014 2015 2016 2017 2018 2019 2020 2015 2016 2017 2018 2019 2020 Profit after tax (NOK million) Return on equity Net loans CAGR 2014 - 2020 Average ROE 2016 - 2020 Total capital ratio as of Q4 2020 80% 21% 26.4% 7 Longstanding partnership with Komplett Group strengthens distribution Close cooperation with Komplett Group, 2019 revenue distribution the largest e-commerce company in the Nordics: • IP rights (trade mark, brand). Komplett 41% brand name ranked among the strongest brands in Norway* 59% • Loyalty card (Komplett Bank Mastercard). Tailored to online shopping offering an attractive award program integrated with Norway Komplett Sweden & Denmark • Distribution of point-of-sales finance products through “KomPay” checkout platform in Komplett flagship stores 2019 key figures NOK 7.5 billion 100 million 1.6 million revenues site visits active customers 8 *Source: BI Norwegian Business School research - Norsk Kundebarometer Strategic support from Kistefos with a strong track record of investments in financial services companies Kistefos’ holds a large portfolio of financial services companies Ownership • Advanzia Bank S.A. (“Advanzia”) is a credit card 60% • In November 2020 Kistefos acquired Canica’s shares bank based in Luxembourg, offering no fee in Komplett Bank. credit cards and deposit accounts to customers within the EU. Germany is the main market, additional markets include France, Austria, • Largest Komplett Bank shareholder with 24% Luxemburg and Spain. ownership • Instabank is a fully digital bank that offers loan 25% products, savings and insurance to • Kistefos currently holds a portfolio of about 16 consumers in Norway, Sweden and Finland companies where the Company has an influential • The bank also offers payment solutions for stake, plus a few financial investments with smaller businesses stakes 28% • TradeIX is rewiring trade finance by providing • Total portfolio market value estimated at NOKbn the most connected and secure platform ~10.9 as of 30 June 2020 infrastructure for banks, asset managers, B2B networks and value added service providers. Built on distributed ledger technology, the platform’s applications, developer tools, and core protocol represent the dawn of the “internet of trade” • Provides trade finance solutions on its platform unlocking billions of working capital that has not yet been accessed by financial institutions or alternative funders 9 Experienced and seasoned management team Mr. Haglund was appointed CEO in January 2019. Mr. Mr. Holtedahl was appointed Director of Credit Cards in March Ramstedt has been with Komplett Bank
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