| (NOK million) | 30.09.2019 | 30.09.2018 | 31.12.2018 |
|---|
| | | | |
|---|
| Cash flow from operating activities | | | |
| Interest, commission and fees received | 1 783 | 1 522 | 2 059 |
| Interest, commission and fees paid | -372 | -268 | -383 |
| Dividend and group contribution received | 6 | 3 | 3 |
| Operating expenses paid | -391 | -405 | -561 |
| Income taxes paid | -201 | -202 | -204 |
| Changes relating to loans to and claims on other financial institutions | 591 | 161 | 7 |
| Changes relating to repayment of loans/leasing to customers | -2 904 | -2 404 | -3 740 |
| Changes in utilised credit facilities | -407 | -310 | 303 |
| Net change in deposits from customers | 1 733 | 1 881 | 1 610 |
| Net cash flow from operating activities | -162 | -22 | -906 |
| | | | |
| Cash flow from investing activities | | | |
| Interest received on certificates, bonds and other securities | 97 | 83 | 112 |
| Proceeds from the sale of certificates, bonds and other securities | 6 514 | 8 184 | 9 469 |
| Purchases of certificates, bonds and other securities | -6 797 | -9 268 | -10 198 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
| Purchase of fixed assets etc. | -10 | -16 | -23 |
| Changes in other assets | 322 | 280 | -135 |
| Net cash flow from investing activities | 126 | -737 | -775 |
| | | | |
| Cash flow from financing activities | | | |
| Interest paid on debt securities and subordinated loan capital | -402 | -316 | -434 |
| Net change in deposits from Norges Bank and other financial institutions | -142 | 151 | 386 |
| Proceeds from bond issues raised | 3 711 | 3 868 | 4 603 |
| Redemption of debt securities | -3 422 | -2 418 | -2 654 |
| Dividend paid | -153 | -138 | -138 |
| Changes in other debt | -469 | -384 | 153 |
| Proceeds from Additional Tier 1 capital issued | 250 | 0 | 0 |
| Paid interest on Additional Tier 1 capital issued | -15 | -11 | -15 |
| Net cash flow from financing activities | -642 | 752 | 1 901 |
| | | | |
| Net change in cash and cash equivalents | -678 | -7 | 220 |
| Cash balance at 01.01 | 857 | 637 | 637 |
| Cash balance at 30.09/31.12 | 179 | 630 | 857 |
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