RECONCILIATION OF GROSS LOANS TO CUSTOMERS Amounts in NOK million Stage 1 Stage 2 Stage 3 Total Gross loans to customers as at 1 January 2022 6,621.9 535.8 1,062.4 8,220.1 Transfer from stage 1 to stage 2 -1,059.0 1,059.0 - - Transfer from stage 1 to stage 3 -506.0 - 506.0 - Transfer from stage 2 to stage 3 - -350.6 350.6 - Transfer from stage 3 to stage 2 - 117.5 -117.5 - Transfer from stage 2 to stage 1 567.2 -567.2 - - Transfer from stage 3 to stage 1 46.8 - -46.8 - New loans to customers 5,710.8 341.8 19.9 6,072,6 Loans to customers derecognized -2,890.5 -417.3 -1,344,9 -4,652,7 Gross loans to customers as at 31 December 2022 8,491.2 719.2 429.7 9,640.1 Of which "lazy payers" -14.2 -158.5 172.7 - Gross loans to customers as at 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 to customers 3,951.8 203.9 53.0 4,208.7 Loans to customers derecognized -2,864.3 -408.1 -2,223.2 -5,495.6 Gross loans to customers as at 31 December 2021 6,621.9 535.8 1,062.4 8,220.1 Of which "lazy payers" -21.0 -232.7 253.7 - Loans with granted special conditions was NOK 8.1 million as at 31 December 2022 and NOK 3.2 million as at 31 December 2021. 56 Notes to the financial statements
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