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

pleximus83 · november 27, 2019, 2:31pm

ja,for å si det slik,det er så mye dumt der ute man mener kunne vært foruten,-det er det helt sikkert

Det er en rar verden vi bor på…

Krafer · november 27, 2019, 6:20pm

Den artikkelen det ble linket til inneholder vel ingen drittslenging.
Er du ikke enig i at det er lurt å betale ned dyr forbruksgjeld?

Mye dumt folk bruker penger på ja. Men å bruke penger fra forbrukslån på dumme ting tar jo idiotien til nye høyder

TekBot · desember 12, 2019, 6:30am

Increase of Share Capital Registered

pleximus83 · desember 12, 2019, 8:46pm

Ja,det er dumt å betale for mye…men “idiotene” på gaten vegrer seg i å forstå at et usikkret lån ER faktisk dyrere…

Og media dytter denne “idiot”-argumentasjonen videre ser det ut som…for de har jo sin agenda,-å knuse forbrukslånsbankene ved å gi dem et dårligt renome’ og sette de i “populistisk”-Listen hos folk.

Ser til og med enda vi nå har fått gjeldregister,så skriver de enda disse “tok for mye forbrukslån”-artikklene sine.

Det aller siste som er “hipp” å skrive om i avisene nå,er forbruket til folk i disse “Black friday/Monday”-dagene,der media vinkler allt det negative forbruket har på miljøøøø…og generell pengeforbruk…

La folk få leve livet sitt som de vil vel…

TekBot · februar 6, 2020, 9:09pm

Komplett Bank ASA: Q4 2019 trading update – increased loan loss provision levels

Oslo, 6 February 2020: Following a review of Komplett Bank’s (“the Bank”) model parameters for expected credit losses (ECL), the Bank’s management and Board of Directors have decided to make additional provisions for loan losses of NOK 105 million. Total reported losses on loans for Q4 2019 is NOK 222 million.

Following this review combined with an assessment of secondary market conditions for the sale of non-performing loans, Komplett Bank’s management and Board of Directors have decided to revise the parameters across the Bank’s entire product portfolio in Norway, Sweden and Finland. The additional provisions made are primarily driven by changes in loss given default (LGD) parameters.
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Adjusted for the additional provisions, losses on loans for Q4 2019 amounted to NOK 117 million, which is an increase from NOK 82 million in Q3 2019. This increase is primarily due to the expiration of the Bank’s forward flow contract in Norway and an increase in non-performing loans mainly for consumer loans and credit cards in Norway.

As of 31 December 2019, the Bank remains capitalised within regulatory requirements with a CET1 ratio is 21.3% and a total capital ratio of 22.5%. Profit after Tax for Q4 2019 is expected to come in at NOK -15 million, NOK 63 million excluding additional loan loss provisions. Profit after tax for the full year 2019 is expected to come in at NOK 203 million.

The Q4 2019 financial figures are still preliminary and have yet to be reviewed by the Bank’s auditor. Komplett Bank will release its fourth quarter results on 12 February 2020.

For further information, please contact:
Jan Haglund, CEO
tel: +46 70 600 2061
email: [email protected]

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

Kilde

Buffet · februar 7, 2020, 5:49am

Store tap her! Sissener fikk rett her selv om han også har en del aksjer her. Men er problemet her at det ikke er nok idioter, eller er problemet for mange idioter som ikke klarer å gjøre opp for seg?

lalaland · februar 7, 2020, 7:08am

Ler av timing, de blir “reddet” av XXL. Spent på når journalister oppdager denne

Buffet · februar 7, 2020, 8:11am

Han har vel aksjer i både Komp og Xxl, samt short i Tesla

TekBot · februar 8, 2020, 9:18am

Komplett Bank ASA: Invitation to Q4 2019 results presentation

Komplett Bank will publish its interim report for Q4 2019 on Wednesday, 12 February at 07:00 CET. The quarterly report and presentation materials will be made available online at www.komplettbank.no and www.newsweb.no.

CEO Jan Haglund and CFO Henning Fagerbakke will present the company’s results at 10:00 CET 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://channel.royalcast.com/hegnarmedia/#!/hegnarmedia/20200212_9

It will be possible to ask questions online.

For further information, please contact:
Henning Fagerbakke, CFO
tel: +47 95463720
email: [email protected]

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

Krafer · februar 12, 2020, 7:57am

Får leke @TekBot. Har den et problem @pdx
Komplett Bank ASA: Q4 2019 results:
http://www.newsweb.no/newsweb/search.do?messageId=495081

Får vel svi litt for slepphent behandling av lånesøknader i 2018.

lalaland · februar 12, 2020, 10:52am

Tapene fremover vil fortsette å være høye. Uten forward flow avtale og endringer i inkassobransjen på døren vil dette bety problemer for Komplett.

Inntjening er fortsatt god, og adminkostnader på vei ned. Jeg liker utviklingen i grepene som er gjort, men ser ikke større håp for kursen over 10kr før fremleggelse av Q1 2020. En EPS på rundt 20 øre tilsvarer en slik kurs, noe jeg anser som svært sannsynlig. Samtidig vil en så lav EPS skuffe meg, da jeg mener at 40øre + er målet for kvartalene i 2020.

Dagens prising er god, men fair tatt i betraktning “out of favour” og reguleringer innkasso på dørene. Hva tenker dere?

TekBot · februar 24, 2020, 2:29pm

Mandatory notification of trade by primary insider

tswbeta · februar 24, 2020, 4:48pm

Er det salg for å finansiere opsjoner?

pleximus83 · februar 24, 2020, 5:36pm

Ser noelunde slikt ut ja

pleximus83 · februar 26, 2020, 1:41pm

Finansavisen skriver de om KOMP som en “KRISEBANK”…de har en situasjon,-men det er ingen krise i mine øyne,eller tar jeg fullstendig feil?

TekBot · mars 4, 2020, 7:09am

Komplett Bank ASA: Notice of annual general meeting 2020 and publication of annual report for 2019

TekBot · mars 10, 2020, 12:53pm

Mandatory notification of trade

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

Henning Fagerbakke (Chief Financial Officer), has exercised options to subscribe 44,977 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 0.64 per share. Following the transactions Henning Fagerbakke and close associates hold 162,638 shares and 6,952 stock options in Komplett Bank ASA.
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Christina Pedersen (Chief Operating Officer), has exercised options to subscribe 173,462 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 0.64 per share. Following the transactions Christina Pedersen and close associates hold 205,462 shares and 100,686 stock options in Komplett Bank ASA.

Eivind Bagås (Chief Compliance and Risk Control Officer), has exercised options to subscribe 38,396 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 0.64 per share. Following the transactions Eivind Bagås and close associates hold 39,619 shares and 10,922 stock options in Komplett Bank ASA.

Silje Christoffersen (Board Member, employee representative), has exercised options to subscribe 5,930 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 0.64 per share. Following the transactions Silje Christoffersen and close associates hold 6,530 shares and 6,068 stock options 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. 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 · mars 17, 2020, 1:14pm

Komplett Bank ASA – Disclosure of voting proxies

This notice is made by Komplett Bank ASA (the “Company”) on behalf of persons with disclosure obligations pursuant to section 4-3 the Norwegian Securities Trading Act.

Stig Eide Sivertsen, chairman of the board of directors of the Company has received proxies to represent and vote (without voting instructions) for a total of 43,112,894 shares at the upcoming annual general meeting in the Company on 25 March 2020, corresponding to 23.42% of the share capital and voting rights of the Company. The proxies are only valid for voting at the annual general meeting.
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Through his wholly owned company, Theoline AS, Mr. Sivertsen also holds 200,000 shares in the Company, which he will represent and vote for at the annual general meeting, corresponding to 0.11% of the share capital and voting rights of the Company. Consequently, Mr. Sivertsen will in aggregate represent and vote for a minimum of 43,312,894 shares in the Company at the annual general meeting, corresponding to 23.52% of the share capital and the voting rights of the Company.

Kilde

TekBot · mars 25, 2020, 7:00am

Komplett Bank: Operational and financial update

In relation to Komplett Bank’s Annual General Meeting, to be held at 12:00 CET today, Komplett Bank wishes to provide the market with a brief operational update.

Over the last few weeks, the global COVID-19 (coronavirus) pandemic has dramatically intensified, and governments across the world have implemented significant and strict policies to slow and possibly reduce the spread of the virus. Komplett Bank closely monitors the situation and has implemented several operational changes to cope with the demanding market situation.
…

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The organisation

During this trying time, safeguarding the health and well-being of Komplett Bank’s employees and their families is of utmost importance. Komplett Bank has therefore implemented measures in line with the recommendations and restrictions of the Norwegian authorities to protect its employees and support the government’s efforts to limit the spread of the virus.

All employees have been advised to work from home for an indefinite period of time, and all have been provided with remote work and virtual meeting capabilities. The Bank is ensuring as close to normal operations as possible, and the pandemic is not expected to have a material impact on day-to-day operations or to compromise any of the Bank’s products and services.

Financial update

The Bank is, during this unprecedented period, making efforts to assist existing customers overcome short-term challenges in servicing their loans. Servicing the needs of existing customers has been given priority and Komplett Bank has decided to be even more prudent in terms of risk when onboarding new customers. As a result, loan growth adjusted for currency effects is expected to be slightly negative in Q1 2020.

Loan losses for the first two months of the year improved significantly compared to the average level in Q4 2019. The annualised loan loss ratio for the first two months of 2020 was 4.0% compared with 5.6% in Q4 2019, excluding parameter updates. Unaudited pre-tax operating profit came in at NOK 74.5 million for the first two months of 2020.

As a consequence of the pandemic and resulting changes in macroeconomic conditions, Komplett Bank expects to make additional loan loss provisions during 2020. An assessment of the impact has yet to be concluded, and the assessment will be based on the latest information available at the Q1 2020 reporting date.

The financial supervisory authorities of both Norway and Sweden have lowered the capital requirements for banks, which is expected to reduce Komplett Bank’s CET1 capital requirement by 1.2%-points to 17.1% for the first quarter. This corresponds to a total capital requirement of 20.6%.

At the end of 2019, Komplett Bank had a CET1 ratio of 21.3% and total capital ratio of 22.5%, well above the capital requirements. In terms of liquidity, the Bank is primarily funded through deposits in the Norwegian, German and Swedish markets. Komplett Bank has a solid liquidity position and has no refinancing needs in 2020.

For additional information, please contact:

Investors:
Henning Fagerbakke, CFO
+47 95 46 37 20
[email protected]

Media:
Jan Haglund, CEO
+46 70 600 2061
[email protected]

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 centralised 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 · mars 25, 2020, 3:38pm