RECONCILIATION OF GROSS LOANS TO CUSTOMERS Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Gross loans to customers 1 January 2021 6,540.2 927.5 2,039.2 9,506.9 Transfer from stage 1 to stage 2 -1,114.1 1,114.1 - - Transfer from stage 1 to stage 3 -517.9 - 517.9 - Transfer from stage 2 to stage 3 - -690.2 690.2 - Transfer from stage 3 to stage 2 - 6.3 -6.3 - Transfer from stage 2 to stage 1 617.7 -617.7 - - Transfer from stage 3 to stage 1 8.4 - -8.4 - New loans 3,951.8 203.9 53.0 4,208.7 Loans derecognized -2,864.3 -408.1 -2,223.2 -5,495.6 Gross loans to customers 31 December 2021 6,621.9 535.8 1,062.4 8,220.1 Of which "lazy payers" -21.0 -232.7 253.7 - Gross loans to customers 1 January 2020 6,840.8 1,180.2 1,284.9 9,305.9 Transfer from stage 1 to stage 2 -1,513.7 1,513.7 - - Transfer from stage 1 to stage 3 -557.0 - 557.0 - Transfer from stage 2 to stage 3 - -903.0 903.0 - Transfer from stage 3 to stage 2 - 14.6 -14.6 - Transfer from stage 2 to stage 1 896.0 -896.0 - - Transfer from stage 3 to stage 1 21.6 - -21.6 - New loans 3,098.3 226.2 113.9 3,438.4 Loans derecognized -2,245.9 -208.2 -783.3 -3,237.4 Gross loans to customers 31 December 2020 6,540.2 927.5 2,039.2 9,506.9 Loans with granted special conditions as at 31 December 2021 was NOK 3.2 million, of which everything is classified in stage 2. As at 31 December 2020 these loans amounted to NOK 31.9 million, of which NOK 27.2 million was in stage 2 and NOK 4.6 million was in stage 3. Komplett Bank / Annual Report 2021 55
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