| (NOK million) | 30.09.2024 | 30.09.2023 | 31.12.2023 |
|---|
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 1 436 | 1 158 | 1 639 |
| Interest, commission and fees paid | -128 | -128 | -184 |
| Received interest, commission and fees related to certificates, bonds and other securities | 21 | 15 | 17 |
| Operating expenses paid | -43 | -44 | -58 |
| Income taxes paid/received | 0 | -28 | -28 |
| Net cash inflow/outflow from loans to and receivables from other financial institutions | -571 | 0 | -283 |
| Payment for acquiring loans from the parent bank | -10 577 | -10 705 | -12 386 |
| Payment related to installment loans and credit lines to customers | 6 997 | 7 452 | 10 491 |
| Proceeds from the sale and settlement of certificates, bonds and other securities | 1 363 | 2 673 | 2 673 |
| Purchases of certificates, bonds and other securities | -4 043 | -2 706 | -2 706 |
| Changes in other assets | -15 | -23 | -50 |
| Net cash flow from operating activities | -5 559 | -2 336 | -875 |
| | | | |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Paid interest, commission and fees related to issued bonds | -1 110 | -866 | -1 235 |
| Net change in loans from credit institutions | 337 | 1 064 | 655 |
| Proceeds from issued covered bonds | 8 909 | 3 996 | 3 996 |
| Redemption of issued covered bonds | -2 358 | -2 890 | -2 890 |
| Dividend paid | -128 | -146 | -146 |
| Changes in other debt | 35 | 519 | -64 |
| Increase/reduction of share capital and premium | 100 | 0 | 0 |
| Net cash flow from financing activities | 5 785 | 1 677 | 316 |
| | | | |
| Net change in cash and cash equivalents | 226 | -659 | -559 |
| Cash balance at 01.01 | 823 | 1 383 | 1 382 |
| Cash balance at 30.09/31.12 1) | 1 049 | 724 | 823 |
| | | | |
| 1) NOK 1,131 million of a total of NOK 2,180 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 30.09.2024 (NOK 589 million as at 30.09.2023 and NOK 561 million as at 31.12.2023). |
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