Statement of cash flow

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(NOK million)30.09.202130.09.202031.12.2020
Cash flow from operating activities   
Interest, commission and fees received449539687
Interest, commission and fees paid-28-28-34
Operating expenses paid-39-37-49
Income taxes paid030-9
Payment for acquiring loans from the Parent Bank-6 400-6 742-10 933
Payment related to installment loans and credit lines to customers5 9105 6717 545
Net cash flow from operating activities-108-567-2 793
    
Cash flow from investing activities   
Received interest, commission and fees related to certificates, bonds and other securities144
Proceeds from the sale and settlement of certificates, bonds and other securities1156301 043
Purchases of certificates, bonds and other securities-685-483-483
Changes in other assets4-74
Net cash flow from investing activities-565144568
    
Cash flow from financing activities   
Paid interest, commission and fees related to issued bonds-150-269-313
Net change in loans from credit institutions-3 1183392 464
Proceeds from issued covered bonds5 3463 8293 821
Redemption of issued covered bonds0-3 233-3 474
Dividend paid-232-224-224
Changes in other debt-796228
Increased/reduction of share capital and premium-50000
Net cash flow from financing activities1 2675042 302
    
Net change in cash and cash equivalents5948177
Cash balance at 01.01904827827
Cash balance at 30.09 / 31.12 1)1 498908904
    
1) NOK 240 million out of total NOK 1,738 million in Loans to and receivables from credit institutions is the margin call balance on financial derivatives paid in by counterparties according to CSA, and thus should not be included as cash balance at 30.09.2021 (NOK 892 million as at 30.09.2020 and NOK 546 million as at 31.12.20).