| (NOK million) | 30.09.2020 | 30.09.2019 | 31.12.2019 |
|---|
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 539 | 542 | 758 |
| Interest, commission and fees paid | -28 | -4 | -9 |
| Operating expenses paid | -37 | -33 | -45 |
| Income taxes paid | 30 | -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 | 5 671 | 4 945 | 6 854 |
| Net cash flow from operating activities | -567 | 614 | -1 552 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Received interest, commission and fees related to certificates, bonds and other securities | 4 | 6 | 7 |
| Proceeds from the sale of certificates, bonds and other securities | 630 | 1 716 | 1 746 |
| Purchases of certificates, bonds and other securities | -483 | -1 284 | -1 911 |
| Changes in other assets | -7 | 1 | -3 |
| Net cash flow from investing activities | 144 | 439 | -161 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Paid interest, commission and fees related to issued bonds | -269 | -304 | -435 |
| Net change in loans from credit institutions | 1 231 | -1 096 | 965 |
| Proceeds from bonds issued | 3 829 | 3 002 | 5 536 |
| Redemption of issued covered bonds | -3 233 | -2 504 | -4 784 |
| Dividend paid | -224 | -167 | -167 |
| Changes in other debt | 62 | -5 | -27 |
| Issue of share capital and premium | 0 | 450 | 450 |
| Net cash flow from financing activities | 1 396 | -624 | 1 538 |
| | | | |
| Net change in cash and cash equivalents | 973 | 429 | -175 |
| Cash balance at 01.01 | 827 | 1 002 | 1 002 |
| Cash balance at 30.09 / 31.12 | 1 800 | 1 431 | 827 |
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