| (NOK million) | 30.09.2019 | 30.09.2018 | 31.12.2018 |
|---|
| Cash flow from operating activities | | | |
| Interest, commission and fees received | 542 | 442 | 600 |
| Interest, commission and fees paid | -4 | -7 | -14 |
| Operating expenses paid | -33 | -32 | -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 | 4 945 | 4 242 | 5 683 |
| Net cash flow from operating activities | 614 | -838 | -1 772 |
| | | | |
| Cash flow from investing activities | | | |
| Received interest, commission and fees related to certificates, bonds and other securities | 6 | 3 | 4 |
| Proceeds from the sale of certificates, bonds and other securities | 1 716 | 2 622 | 2 622 |
| Purchases of certificates, bonds and other securities | -1 284 | -2 773 | -3 073 |
| Changes in other assets | 1 | -12 | -20 |
| Net cash flow from investing activities | 439 | -160 | -467 |
| | | | |
| Cash flow from financing activities | | | |
| Paid interest, commission and fees related to issued bonds | -304 | -230 | -317 |
| Net change in loans from credit institutions | -1 096 | -30 | 128 |
| Proceeds from bonds issued | 3 002 | 4 863 | 5 862 |
| Redemption of issued covered bonds | -2 504 | -2 500 | -2 500 |
| Dividend paid | -167 | -152 | -152 |
| Changes in other debt | -5 | 16 | 34 |
| Issue of share capital and premium | 450 | 100 | 100 |
| Net cash flow from financing activities | -624 | 2 067 | 3 155 |
| | | | |
| Net change in cash and cash equivalents | 429 | 1 069 | 917 |
| Cash balance at 01.01 | 1 002 | 85 | 85 |
| Cash balance at 30.09/31.12 | 1 431 | 1 154 | 1 002 |
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