| (NOK million) | 31.03.2019 | 31.03.2018 | 31.12.2018 |
|---|
| Cash flow from operating activities | | | |
| Interest, commission and fees received | 164 | 137 | 600 |
| Interest, commission and fees paid | -1 | -2 | -14 |
| Operating expenses paid | -11 | -10 | -42 |
| Income taxes paid | -25 | -28 | -56 |
| Payment for acquiring loans from the Parent Bank | -1 805 | -3 251 | -7 943 |
| Payment related to instalment loans and credit lines to customers | 1 533 | 1 151 | 5 683 |
| Net cash flow from operating activities | -145 | -2 003 | -1 772 |
| | | | |
| Cash flow from investing activities | | | |
| Received interest, commission and fees related to certificates, bonds and other securities | 1 | 0 | 4 |
| Proceeds from the sale of certificates, bonds and other securities | 370 | 30 | 2 622 |
| Purchases of certificates, bonds and other securities | 0 | -30 | -3 073 |
| Changes in other assets | -3 | -5 | -20 |
| Net cash flow from investing activities | 367 | -5 | -467 |
| | | | |
| Cash flow from financing activities | | | |
| Paid interest, commission and fees related to issued bonds | -94 | -61 | -317 |
| Net change in loans from credit institutions | -87 | -66 | 128 |
| Proceeds from bonds issued | 0 | 2 499 | 5 862 |
| Redemption of issued covered bonds | 0 | 0 | -2 500 |
| Dividend paid | -167 | -152 | -152 |
| Changes in other debt | 6 | 5 | 34 |
| Issue of share capital and premium | 450 | 100 | 100 |
| Net cash flow from financing activities | 107 | 2 325 | 3 155 |
| | | | |
| Net change in cash and cash equivalents | 330 | 317 | 917 |
| Cash balance at 01.01 | 1 002 | 85 | 85 |
| Cash balance at 31.03/31.12 | 1 332 | 402 | 1 002 |