| (NOK million) | 30.06.2019 | 30.06.2018 | 31.12.2018 |
|---|
| Cash flow from operating activities | | | |
| Interest, commission and fees received | 341 | 288 | 600 |
| Interest, commission and fees paid | -6 | -6 | -14 |
| Operating expenses paid | -23 | -21 | -42 |
| Income taxes paid | -51 | -56 | -56 |
| Payment for acquiring loans from the Parent Bank | -4 785 | -5 427 | -7 943 |
| Payment related to instalment loans and credit lines to customers | 3 203 | 2 712 | 5 683 |
| Net cash flow from operating activities | -1 321 | -2 510 | -1 772 |
| | | | |
| Cash flow from investing activities | | | |
| Received interest, commission and fees related to certificates, bonds and other securities | 6 | 1 | 4 |
| Proceeds from the sale of certificates, bonds and other securities | 1 716 | 30 | 2 622 |
| Purchases of certificates, bonds and other securities | -1 284 | -1 045 | -3 073 |
| Changes in other assets | 0 | -10 | -20 |
| Net cash flow from investing activities | 438 | -1 024 | -467 |
| | | | |
| Cash flow from financing activities | | | |
| Paid interest, commission and fees related to issued bonds | -192 | -143 | -317 |
| Net change in loans from credit institutions | -58 | -154 | 128 |
| Proceeds from bonds issued | 2 497 | 4 863 | 5 862 |
| Redemption of issued covered bonds | -2 504 | 0 | -2 500 |
| Dividend paid | -167 | -152 | -152 |
| Changes in other debt | 3 | 21 | 34 |
| Issue of share capital and premium | 450 | 100 | 100 |
| Net cash flow from financing activities | 29 | 4 535 | 3 155 |
| | | | |
| Net change in cash and cash equivalents | -854 | 1 001 | 917 |
| Cash balance at 01.01 | 1 002 | 85 | 85 |
| Cash balance at 30.06/31.12 | 148 | 1 086 | 1 002 |
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