| (NOK million) | 31.03.2020 | 31.03.2019 | 31.12.2019 |
|---|
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 214 | 164 | 758 |
| Interest, commission and fees paid | -10 | -1 | -9 |
| Operating expenses paid | -12 | -11 | -45 |
| Income taxes paid | -11 | -25 | -22 |
| Payment for acquiring loans from the Parent Bank | -1 802 | -1 805 | -9 088 |
| Payment related to instalment loans and credit lines to customers | 1 574 | 1 533 | 6 854 |
| Net cash flow from operating activities | -47 | -145 | -1 552 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Received interest, commission and fees related to certificates, bonds and other securities | 2 | 1 | 7 |
| Proceeds from the sale of certificates, bonds and other securities | 580 | 370 | 1 746 |
| Purchases of certificates, bonds and other securities | 0 | 0 | -1 911 |
| Changes in other assets | 2 | -3 | -3 |
| Net cash flow from investing activities | 584 | 367 | -161 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Paid interest, commission and fees related to issued bonds | -127 | -94 | -435 |
| Net change in loans from credit institutions | 1 790 | -87 | 965 |
| Proceeds from bonds issued | 499 | 0 | 5 536 |
| Redemption of issued covered bonds | -230 | 0 | -4 784 |
| Dividend paid | -224 | -167 | -167 |
| Changes in other debt | -1 | 6 | -27 |
| Issue of share capital and premium | 0 | 450 | 450 |
| Net cash flow from financing activities | 1 707 | 107 | 1 538 |
| | | | |
| Net change in cash and cash equivalents | 2 244 | 330 | -175 |
| Cash balance at 01.01 | 827 | 1 002 | 1 002 |
| Cash balance at 31.03 / 31.12 | 3 071 | 1 332 | 827 |
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