Morrow Bank MOBA - (tidl Komplett Bank (KOMP))

TekBot · august 7, 2019, 12:07pm

Komplett Bank ASA: Invitation to Q2 2019 results presentation

Komplett Bank will publish its interim report for Q2 2019 on Wednesday, 14 August at 07:00 CEST. The quarterly report and presentation materials will be made available online at www.komplettbank.no/om-komplett-bank/ and www.newsweb.no.

CEO Jan Haglund and CFO Henning Fagerbakke will present the company’s results at 10:00 CEST at Felix Konferansesenter, Bryggetorget 3, Oslo.
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The presentation and following Q&A session will be conducted in English and can be followed live via webcast at:

https://webtv.hegnar.no/presentation.php?webcastId=98041600.

It will be possible to ask questions online.

For further information, please contact:
Henning Fagerbakke, CFO
tel: +47 95463720
email: ir@komplettbank.no

About Komplett Bank ASA
Komplett Bank is a focused Nordic digital niche bank offering personal loans, credit cards, deposit accounts and online point-of-sales finance products to consumers. The target group is creditworthy customers with stable personal finances and no payment remarks. Credit risk is managed largely by automated processes for credit assessment and underwriting. The bank has a diversified and balanced distribution model utilizing both public and proprietary channels. Operational efficiency and low cost is a foundation for Komplett Bank and is enabled by centralized operations, modern systems and digital set-up.

To learn more, visit www.komplettbank.no

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act.

Kilde

TekBot · august 13, 2019, 11:37am

Minutes from extraordinary general meeting

TekBot · august 14, 2019, 5:00am

Komplett Bank ASA: Q2 2019 results – Improved growth and continued operational developments

Highlights

Net loans grew by NOK 187 million in the quarter and by NOK 1,289 million (19%) year-on-year
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Loans Finland experienced strong growth while growth in Sweden remained at a stable level

In Norway, net loans declined by NOK 174 million net of NOK 178 million in forward flow NPL sales. Loans Norway was also impacted by regulatory developments and the lack of a competitive refinancing product

Total income of NOK 295 million (Q1 2019: 283 million)

Costs impacted by NOK 11 million in non-recurring costs and a NOK 18 million administrative fee from the FSA related to anti-money laundering (AML) procedures

Losses on loans were NOK 78.5 million, resulting in a loan loss ratio of 3.9% (Q1 2019: 3.7%)

Profit after tax of 61.4 million, 79.4 million excluding NOK 18 million administrative fee (Q1 2019: 76.4 million)

ROE adj. for AML administrative fee was 18.6% and ROA adj. was 3.1%, down from 18.8% and 3.2% in Q1 2019

CET1 ratio was 22.0% at end of Q1 2019, up from 21.8% at the end of Q1 2019

Commenting on the results, CEO Jan Haglund, said:

“Growth in the second quarter was driven by strong performance in Finland and Sweden, while consumer lending growth in Norway remained at a low level, affected by regulatory issues and the lack of a refinancing product. Operational expenses increased compared to the previous quarter, heavily impacted by a one-off AML administrative fee, however, adjusted return on equity remained quite stable at 18.6% in the quarter, reflecting continued positive underlying performance.

Efforts to ensure compliance with relevant rules and regulations remains a top priority for Komplett Bank, and we have developed new consumer lending products to strengthen our competitiveness in the Norwegian market. Based on our well-known brand, strong financial position, resilient balance sheet and flexible and low-cost operating model, we believe that Komplett Bank is in a favourable position to meet the competition in the consumer finance industry.

Going forward, we are confident that our strategic road map for product-wise and geographical expansion will ensure long-term sustainable growth and value creation.”

The Q2 2019 report and presentation materials are attached to this notice and can be found at https://www.komplettbank.no/om-komplett-bank/

Komplett Bank CEO Jan Haglund and CFO Henning Fagerbakke will present the company’s results at 10:00 CEST today at Felix Konferansesenter, Bryggetorget 3, Oslo.

The presentation and following Q&A session will be conducted in English and can be followed live via webcast at:

https://webtv.hegnar.no/presentation.php?webcastId=98041600

It will be possible to ask questions online.

For further information, please contact:
Jan Haglund, CEO
tel: +46 70 600 2061
email: ir@komplettbank.no

About Komplett Bank ASA
Komplett Bank is a focused Nordic digital niche bank offering personal loans, credit cards, deposit accounts and online point-of-sales finance products to consumers. The target group is creditworthy customers with stable personal finances and no payment remarks. Credit risk is managed largely by automated processes for credit assessment and underwriting. The Bank has a diversified and balanced distribution model utilizing both public and proprietary channels. Operational efficiency and low cost are the foundation for Komplett Bank and is enabled by centralized operations, modern systems and digital set-up.
To learn more, visit www.komplettbank.no

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act

Kilde

TekBot · august 15, 2019, 1:51pm

Komplett Bank ASA: Notification of trade by primary insiders

Wilhelm B. Thomassen, Director Legal and HR, has through Dingja Invest AS on the 15 July 2019 sold 1,500,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Wilhelm B. Thomassen holds 1,959,961 shares and 211,132 options.

Steffen Ryengen, Chief Marketing and Information Officer, has through Contribute AS, on the 15 July 2019 sold 200,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Steffen Ryengen holds 1,491,250 shares and 598,736 options.
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Stig Eide Sivertsen, Chair of the Board, has through Theoline AS, on the 15 July 2019 bought 200,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Stig Eide Sivertsen holds 200,000 shares.

Harald Hjorthen, member of the Board, has through Sniptind Invest AS, on the 15 July 2019 bought 150,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Harald Hjorthen holds 2,869,699 shares.

For further information, please contact:

Komplett Bank ASA
Jan Haglund, CEO
tel: +46 70 600 2061
email: ir@komplettbank.no

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act

Kilde

TekBot · august 15, 2019, 2:05pm

Correction: Notification of trade by primary insiders

Reference is made to the notification published through stock exchange notices 15 August 2019, https://newsweb.oslobors.no/message/483034. The transaction date is corrected, and is 15 August 2019.

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Komplett Bank ASA: Notification of trade by primary insiders
Wilhelm B. Thomassen, Director Legal and HR, has through Dingja Invest AS on the 15 August 2019 sold 1,500,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Wilhelm B. Thomassen holds 1,959,961 shares and 211,132 options.

Steffen Ryengen, Chief Marketing and Information Officer, has through Contribute AS, on the 15 August 2019 sold 200,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Steffen Ryengen holds 1,491,250 shares and 598,736 options.

Stig Eide Sivertsen, Chair of the Board, has through Theoline AS, on the 15 August 2019 bought 200,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Stig Eide Sivertsen holds 200,000 shares.

Harald Hjorthen, member of the Board, has through Sniptind Invest AS, on the 15 August 2019 bought 150,000 shares in Komplett Bank ASA at an average price of NOK 8.40 per share. Following the transaction, Harald Hjorthen holds 2,869,699 shares.

For further information, please contact:

Komplett Bank ASA
Jan Haglund, CEO
tel: +46 70 600 2061
email: ir@komplettbank.no

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act

Kilde

Hallakis · august 15, 2019, 2:31pm

Først et kjipt kvartal også innsidesalg? Glad jeg sitter på gjerdet her

tswbeta · august 15, 2019, 3:00pm

Godt noen kjøper også Uten at det hjelper stort på kursen. Q3 tall blir spennende

Hallakis · august 15, 2019, 3:17pm

Jeg har tro på caset, men vil se at de kan vokse videre i Norge først. Har vært reduserte utlån der nå i 2-3 kvartaler. Også litt skuffet over utviklingen til POS som gjorde det veldig bra i starten.

tswbeta · august 15, 2019, 3:59pm

Ja, Norge kommer an på nytt låneprodukt som kommer til høsten og markedsføring av dette. Har derimot større tro på Sverige og eventuelle andre land de går inn i

TekBot · august 20, 2019, 4:32pm

Komplett Bank ASA: Notification of trade by primary insider

TekBot · august 28, 2019, 6:54pm

Mandatory notification of trade

The following primary insiders in Komplett Bank ASA have in accordance with the Bank’s share option plan been allocated options, and exercised options as set out below:

Jan Haglund (CEO), has been allocated 46,791 options based on an option value of NOK 5.98. Following the transaction Jan Haglund holds 560,000 shares and 656,923 options in Komplett Bank ASA.
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Henning Fagerbakke (CFO), has been allocated 44,977 options based on an option value of NOK 6.89, and exercised options to subscribe 25,718 shares in Komplett Bank ASA at a subscription price per share of NOK 1.00 plus a variable element equivalent to the social security tax at the date of exercise of NOK 0.97 per share. Following the transactions Henning Fagerbakke holds 117,661 shares and 51,929 options in Komplett Bank ASA.

Enok Hanssen (Product Director loans and POS Finance), has been allocated 46,789 options based on an option value of NOK 5.98, and exercised options to subscribe 30,699 shares in Komplett Bank ASA at a subscription price per share of NOK 1.00 plus a variable element equivalent to the social security tax at the date of exercise of NOK 1.88 per share. Following the transactions Enok Hanssen holds 129,783 shares and 107,544 options in Komplett Bank ASA.

Steffen Ryengen (Chief Marketing and Information Officer), has been allocated 27,566 options based on an option value of NOK 6.89, and exercised options to subscribe 58,333 shares in Komplett Bank ASA at a subscription price per share of NOK 1.00. Following the transactions Steffen Ryengen and close associates hold 1,549,583 shares and 684,635 options in Komplett Bank ASA.

Eivind Bagås (CCO/CRO), has been allocated 13,928 options based on an option value of NOK 6.89. Following the transaction Eivind Bagås holds 1,223 shares and 49,318 options in Komplett Bank ASA.

Christina Pedersen (COO), has exercised options to subscribe 32,000 shares in Komplett Bank ASA at a subscription price per share of NOK 1.00. Following the transaction Christina Pedersen holds 32,000 shares, and options to subscribe for 274,148 shares in Komplett Bank ASA.

Morten Petterøe (Board Member, employee representative), has been allocated 7,254 options based on an option value of NOK 6.89. Following the transaction Morten Petterøe holds 32,132 shares, and options to subscribe for 50,753 shares in Komplett Bank ASA.

Hilde Berge Aasen (Board Member, employee representative), has exercised options to subscribe 10,000 shares in Komplett Bank ASA at a subscription price per share of NOK 1.00 plus a variable element equivalent to the social security tax at the date of exercise of NOK 0.97 per share. Following the transaction Hilde Berge Aasen holds 32,200 shares, and options to subscribe for 119,513 shares in Komplett Bank ASA.

All allocations of options have been done in accordance with the share option plan, which allows for an employee to opt for receiving options at market price instead of parts of his/her remuneration. The option value is established based on full market value calculated using observed trading prices and Black and Scholes’s option pricing model, including an element of social security tax. As the social security tax rate in Sweden is higher, option value is different between primary insiders. Each option is issued with Komplett Bank ASA as issuer and provides the holder with a right to subscribe one share. The options are subject to a five years exercise period.

Kilde

TekBot · august 29, 2019, 3:14pm

Disclosure of shareholdings

On 27 August 2019, funds managed by subsidiaries of Julius Baer Group Ltd. sold a total of 2,000,006.00 shares in Komplett Bank ASA, of which Kairos International Sicav (KIS) – subfund Pegasus Ucits, a fund managed by Kairos Partners SGR S.p.A, sold 500,000 shares and Kairos Pegasus Fund SA, a fund managed by Kairos Investment Management Limited, sold 1,500,006 shares, thereby passing below the 5% disclosure threshold. Kairos Investment Management Limited is a wholly owned indirect subsidiary of Kairos Investment Management SpA, which, in its turn, is a wholly owned subsidiary of Julius Baer Group Ltd. Kairos Partners SGR S.p.A is a direct subsidiary of Kairos Investment Management SpA, which, in its turn, is a wholly owned subsidiary of Julius Baer Group Ltd. Following these transactions, funds managed by subsidiaries of Julius Baer Group Ltd. own a total of 8,503,044 shares in Komplett Bank ASA, equal to 4.65% of the total number of shares and votes in Komplett Bank ASA.
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Kilde

TekBot · oktober 11, 2019, 3:16pm

Increase of Share Capital Registered

TekBot · oktober 18, 2019, 11:19am

Komplett Bank ASA: Invitation to Q3 2019 results presentation

Komplett Bank will publish its interim report for Q3 2019 on Wednesday, 23 October at 07:00 CEST. The quarterly report and presentation materials will be made available online at www.komplettbank.no/om-komplett-bank/ and www.newsweb.no.

CEO Jan Haglund and CFO Henning Fagerbakke will present the company’s results at 10:00 CEST at Felix Konferansesenter, Bryggetorget 3, Oslo.
…

Vis børsmeldingen

The presentation and following Q&A session will be conducted in English and can be followed live via webcast at:
https://webtv.hegnar.no/presentation.php?webcastId=98161428.

It will be possible to ask questions online.

For further information, please contact:
Henning Fagerbakke, CFO
tel: +47 95463720
email: ir@komplettbank.no

About Komplett Bank ASA
Komplett Bank is a focused Nordic digital niche bank offering personal loans, credit cards, deposit accounts and online point-of-sales finance products to consumers. The target group is creditworthy customers with stable personal finances and no payment remarks. Credit risk is managed largely by automated processes for credit assessment and underwriting. The bank has a diversified and balanced distribution model utilizing both public and proprietary channels. Operational efficiency and low cost is a foundation for Komplett Bank and is enabled by centralized operations, modern systems and digital set-up.

To learn more, visit www.komplettbank.no

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act.

Kilde

TekBot · oktober 23, 2019, 5:00am

Komplett Bank ASA: Q3 2019 results – Solid results and continued portfolio diversification

Highlights

Net loans grew by NOK 271 million in the quarter and by NOK 906 million (12%) year-on-year, driven by strong growth in Finland and Sweden
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Total net loans as at 30 September 2019 were NOK 8.4 billion

Total income for Q3 2019 was NOK 295 million, an improvement of 9% compared to last year

Loan loss ratio was 4.0%, up from 3.9% compared to Q2 2019

Profit after tax of NOK 80.5 million, up from NOK 79.4 million in the previous quarter, adjusted for a NOK 18.0 million AML administrative fee in Q2 2019

ROE was 18.1%, impacted by continued capital build-up, down from 18.5% adj. for AML fee in Q2 2019

CET1 ratio increased to 22.5% compared to 22.0% in Q2 2019

Commenting on the results, CEO Jan Haglund, said:

“A large part of our focus for the year has been to address the shortcomings found by the FSA in the site visit. With our delivery of our final report to the FSA on 1 October 2019, we have completed all required actions.

I am very pleased that we continue to improve our diversification and deliver solid results. For the quarter we had an annualised lending growth rate of 13.5%, strong growth in Finland and Sweden, a return on equity of 18.1% and an increase of our already strong capital position.

We are a highly profitable and well capitalised bank, well positioned for the future. We will continue to leverage our resilient balance sheet, diversified geographical presence and strong competitive position in the Nordic markets to deliver further growth and value creation to all our stakeholders.”

The Q3 2019 report and presentation materials are attached to this notice and can be found at https://www.komplettbank.no/om-komplett-bank/

Komplett Bank CEO Jan Haglund and CFO Henning Fagerbakke will present the company’s results at 10:00 CEST today at Felix Konferansesenter, Bryggetorget 3, Oslo. The presentation and following Q&A session will be conducted in English and can be followed live via webcast at:

https://webtv.hegnar.no/presentation.php?webcastId=98161428

It will be possible to ask questions online.

For further information, please contact:
Jan Haglund, CEO
tel: +46 70 600 2061
email: ir@komplettbank.no

About Komplett Bank ASA
Komplett Bank is a focused Nordic digital niche bank offering personal loans, credit cards, deposit accounts and online point-of-sales finance products to consumers. The target group is creditworthy customers with stable personal finances and no payment remarks. Credit risk is managed largely by automated processes for credit assessment and underwriting. The bank has a diversified and balanced distribution model utilizing both public and proprietary channels. Operational efficiency and low cost are the foundation for Komplett Bank and is enabled by centralized operations, modern systems and digital set-up.

To learn more, visit www.komplettbank.no

This information is subject to the disclosure requirements pursuant to section 5-12 of the Norwegian Securities Trading Act

Kilde

pleximus83 · november 26, 2019, 9:37am

hehe…dette begynner å bli litt rart nå…

for hver gang en skal foreta seg noe idag,-så må man “BLI KVITT FORBRUKSLÅNET”,ifølge media…

skal du i butikken og kjøpe en flatskjerm,- “BLI KVITT FORBRUKSLÅNET!”
skal du reise med familien til syden,-“BLI KVITT FORBRUKSLÅNET!”
skal du kjøpe julegaver til Jul,- “BLI KVITT FORBRUKSLÅNET!”

trodde vi var ferdig med dette gnålet fra media etter dette gjeldsregisteret ble lansert`?
men neeeeida…LANGT derifra tror jeg

Kaisovski · november 26, 2019, 10:25am

Dette er jo bare et standarisert økonomisk tips… Helt normalt å betale ned forbrukslån før man begynner å kjøpe aksjer

pleximus83 · november 26, 2019, 10:55am

Jau…

men synes kvoten på drittslenging mot forbrukslånsektoren er brukt opp for lenge siden nå

pleximus83 · november 26, 2019, 10:57am

da synes jeg heller de burde kjøre kampanje mot å kjøpe el-biler,da dette fremmer barnearbeid i gruvene nede i Afrika…

Krafer · november 27, 2019, 2:22pm

Like dumt å ha forbrukslån med høy rente nå som før Og økonomisk sett er det jo definitivt ett av de beste og sikreste tipsene å kvitte seg med forbrukslån. Vanskelig å anbefale noe som gir garantert bedre avkastning.
Så tror du venter forgjeves på en endring på dette området.