| (NOK million) | 30.06.2022 | 30.06.2021 | 31.12.2021 |
|---|
| | | | |
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 1 127 | 900 | 1 884 |
| Interest, commission and fees paid | -192 | -154 | -277 |
| Dividend and group contribution received | 1 | 0 | 3 |
| Operating expenses paid | -311 | -254 | -531 |
| Income taxes paid | -116 | -115 | -104 |
| Changes relating to loans to and claims on other financial institutions | 9 | -1 106 | 299 |
| Changes relating to repayment of loans/leasing to customers | -1 593 | -1 597 | -3 037 |
| Changes in utilised credit facilities | -765 | -721 | -90 |
| Net change in deposits from customers | 3 093 | 2 460 | 2 829 |
| Net cash flow from operating activities | 1 253 | -587 | 976 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Interest received on certificates, bonds and other securities | 81 | 55 | 94 |
| Proceeds from the sale of certificates, bonds and other securities | 12 175 | 2 356 | 6 286 |
| Purchases of certificates, bonds and other securities | -12 557 | -4 134 | -10 013 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
| Purchase of fixed assets etc. | -19 | -7 | -17 |
| Changes in other assets | 129 | -320 | 135 |
| Net cash flow from investing activities | -191 | -2 050 | -3 515 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -242 | -141 | -268 |
| Net change in deposits from Norges Bank and other financial institutions | -279 | -462 | -1 229 |
| Proceeds from bond issues raised | 3 695 | 3 523 | 6 346 |
| Redemption of debt securities | -4 047 | -962 | -2 150 |
| Dividend paid | -158 | -44 | -133 |
| Changes in other debt | -159 | 405 | -118 |
| Redemption of Additional Tier 1 capital | -349 | 0 | 0 |
| Proceeds from issued Additional Tier 1 capital | 400 | 0 | 0 |
| Paid interest on Additional Tier 1 capital issued | -13 | -11 | -23 |
| Net cash flow from financing activities | -1 152 | 2 308 | 2 425 |
| | | | |
| Net change in cash and cash equivalents | -90 | -329 | -114 |
| Cash balance at 01.01 | 428 | 542 | 542 |
| Cash balance at 30.06/31.12 | 338 | 213 | 428 |
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