| (NOK million) | 31.12.2018 | 31.12.2017 |
|---|
| Cash flow from operating activities | | |
| Interest, commission and fees received | 600 | 527 |
| Interest, commission and fees paid | -14 | -14 |
| Operating expenses paid | -42 | -38 |
| Income taxes paid | -56 | -51 |
| Payment for acquiring loans from the Parent Bank | -7 943 | -5 108 |
| Payment related to instalment loans and credit lines to customers | 5 683 | 3 759 |
| Net cash flow from operating activities | -1 772 | -925 |
| | | |
| Cash flow from investing activities | | |
| Received interest, commission and fees related to certificates, bonds and other securities | 4 | 3 |
| Proceeds from the sale of certificates, bonds and other securities | 2 622 | 1 170 |
| Purchases of certificates, bonds and other securities | -3 073 | -707 |
| Changes in other assets | -20 | -14 |
| Net cash flow from investing activities | -467 | 452 |
| | | |
| Cash flow from financing activities | | |
| Paid interest, commission and fees related to issued bonds | -317 | -252 |
| Net change in loans from credit institutions | 128 | 61 |
| Proceeds from bonds issued | 5 862 | 3 350 |
| Redemption of issued covered bonds | -2 500 | -2 883 |
| Dividend paid | -152 | -156 |
| Changes in other debt | 34 | 17 |
| Issue of share capital and premium | 100 | 150 |
| Net cash flow from financing activities | 3 155 | 287 |
| | | |
| Net change in cash and cash equivalents | 917 | -186 |
| Cash balance at 01.01 | 85 | 271 |
| Cash balance at 31.12 | 1 002 | 85 |
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