| (NOK million) | 30.06.2020 | 30.06.2019 | 31.12.2019 |
|---|
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 381 | 341 | 758 |
| Interest, commission and fees paid | -22 | -6 | -9 |
| Operating expenses paid | -25 | -23 | -45 |
| Income taxes paid | -11 | -51 | -22 |
| Payment for acquiring loans from the Parent Bank | -6 742 | -4 785 | -9 088 |
| Payment related to instalment loans and credit lines to customers | 3 658 | 3 203 | 6 854 |
| Net cash flow from operating activities | -2 761 | -1 321 | -1 552 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Received interest, commission and fees related to certificates, bonds and other securities | 3 | 6 | 7 |
| Proceeds from the sale of certificates, bonds and other securities | 600 | 1 716 | 1 746 |
| Purchases of certificates, bonds and other securities | 0 | -1 284 | -1 911 |
| Changes in other assets | -30 | 0 | -3 |
| Net cash flow from investing activities | 573 | 438 | -161 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Paid interest, commission and fees related to issued bonds | -219 | -192 | -435 |
| Net change in loans from credit institutions | 1 202 | -58 | 965 |
| Proceeds from bonds issued | 3 496 | 2 497 | 5 536 |
| Redemption of issued covered bonds | -230 | -2 504 | -4 784 |
| Dividend paid | -224 | -167 | -167 |
| Changes in other debt | 68 | 3 | -27 |
| Issue of share capital and premium | 0 | 450 | 450 |
| Net cash flow from financing activities | 4 093 | 29 | 1 538 |
| | | | |
| Net change in cash and cash equivalents | 1 905 | -854 | -175 |
| Cash balance at 01.01 | 827 | 1 002 | 1 002 |
| Cash balance at 30.06 / 31.12 | 2 732 | 148 | 827 |
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