| (NOK million) | 31.03.2019 | 31.03.2018 | 31.12.2018 | 
|---|
|   |   |   |   | 
|---|
| Cash flow from operating activities |   |   |   | 
| Interest, commission and fees received | 533 | 457 | 2 059 | 
| Interest, commission and fees paid | -118 | -90 | -383 | 
| Dividend received | 1 | 1 | 3 | 
| Operating expenses paid | -125 | -142 | -561 | 
| Income taxes paid | -100 | -90 | -204 | 
| Changes relating to loans to and claims on other financial institutions | 727 | -1 071 | 7 | 
| Changes relating to repayment of loans to customers | -657 | -1 037 | -3 740 | 
| Changes in utilised credit facilities | -295 | -296 | 303 | 
| Net change in deposits from customers | 652 | 735 | 1 610 | 
| Net cash flow from operating activities | 618 | -1 533 | -906 | 
|   |   |   |   | 
| Cash flow from investing activities |   |   |   | 
| Interest received on certificates, bonds and other securities | 30 | 25 | 112 | 
| Proceeds from the sale of certificates, bonds and other securities | 1 236 | 505 | 9 469 | 
| Purchases of certificates, bonds and other securities | -2 164 | -817 | -10 198 | 
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 | 
| Purchase of fixed assets etc. | -5 | -3 | -23 | 
| Changes in other assets | 124 | 220 | -135 | 
| Net cash flow from investing activities | -779 | -70 | -775 | 
|   |   |   |   | 
| Cash flow from financing activities |   |   |   | 
| Interest paid on debt securities and subordinated loan capital | -124 | -92 | -434 | 
| Net change in deposits from Norges Bank and other financial institutions | 131 | 361 | 386 | 
| Proceeds from bond issues raised | 0 | 2 401 | 4 603 | 
| Redemption of debt securities | 0 | -1 145 | -2 654 | 
| Dividend paid | 0 | 0 | -138 | 
| Changes in other debt | -402 | -291 | 153 | 
| Proceeds from Additional Tier 1 capital issued | 0 | 0 | 0 | 
| Paid interest on Additional Tier 1 capital issued | -4 | -4 | -15 | 
| Net cash flow from financing activities | -399 | 1 230 | 1 901 | 
|   |   |   |   | 
| Net change in cash and cash equivalents | -560 | -373 | 220 | 
| Cash balance at 01.01 | 857 | 637 | 637 | 
| Cash balance at 31.03/31.12 | 297 | 264 | 857 |