RECONCILIATION OF IMPAIRMENTS OF LOANS TO CUSTOMERS Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Impairments of loans 1 January 2021 166.1 150.0 829.7 1,145.8 Transfer from stage 1 to stage 2 -27.2 27.2 - - Transfer from stage 1 to stage 3 -9.3 - 9.3 - Transfer from stage 2 to stage 3 - -173.4 173.4 - Transfer from stage 3 to stage 2 - 2.4 -2.4 - Transfer from stage 2 to stage 1 100.1 -100.1 - -0.0 Transfer from stage 3 to stage 1 4.9 - -4.9 0.0 New financial assets originated 77.9 21.1 6.5 105.5 Increased expected credit loss 33.3 218.7 224.2 476.2 Assets derecognized -110.2 -47.5 -868.2 -1,025.9 Decreased expected credit loss -47.1 -11.1 -94.6 -152.8 Exchange rate movements -7.0 -5.2 -8.3 -20.5 Macroeconomic model changes -2.6 -1.7 - -4.3 Other changes 22.9 9.4 266.1 298.3 Impairments of loans 31 December 2021 201.9 89.8 530.7 822.2 Of which related to "lazy payers" -0.5 -51.4 51.9 - Impairments of loans 1 January 2020 143.7 172.8 493.6 810.1 Transfer from stage 1 to stage 2 -33.7 33.7 - - Transfer from stage 1 to stage 3 -10.2 - 10.2 - Transfer from stage 2 to stage 3 - -198.8 198.8 - Transfer from stage 3 to stage 2 - 5.6 -5.6 - Transfer from stage 2 to stage 1 115.3 -115.3 - - Transfer from stage 3 to stage 1 10.3 - -10.3 - New financial assets originated 39.5 61.3 72.5 173.4 Increased expected credit loss 20.4 202.8 201.1 424.3 Assets derecognized -145.1 -32.5 -113.4 -291.0 Decreased expected credit loss -9.1 -6.0 -13.4 -28.6 Exchange rate movements 8.2 7.5 28.3 44.0 Macroeconomic model changes 16.4 23.4 - 39.8 Other changes 10.2 -4.5 -32.1 -26.4 Impairments of loans 31 December 2020 166.1 150.0 829.7 1,145.8 Other changes in 2021 and 2020 mainly consist of changes in the Bank’s estimate of loss given default and probability given default not covered by other parts of the specifactions in the reconciliation. 56 Notes to the financial statements
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