(NOK million) | 31.03.2020 | 31.03.2019 | 31.12.2019 |
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| | | |
Cash flow from operating activities | | | |
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Interest, commission and fees received | 643 | 533 | 2 449 |
Interest, commission and fees paid | -201 | -118 | -515 |
Dividend and group contribution received | 6 | 1 | 12 |
Operating expenses paid | -192 | -125 | -548 |
Income taxes paid | -42 | -100 | -81 |
Changes relating to loans to and claims on other financial institutions | -687 | 727 | 200 |
Changes relating to repayment of loans/leasing to customers | -609 | -657 | -3 755 |
Changes in utilised credit facilities | -531 | -295 | 52 |
Net change in deposits from customers | 629 | 652 | 2 390 |
Net cash flow from operating activities | -984 | 618 | 204 |
| | | |
Cash flow from investing activities | | | |
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Interest received on certificates, bonds and other securities | 40 | 30 | 134 |
Proceeds from the sale of certificates, bonds and other securities | 3 027 | 1 236 | 8 462 |
Purchases of certificates, bonds and other securities | -4 008 | -2 164 | -8 649 |
Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
Purchase of fixed assets etc. | -4 | -5 | -33 |
Changes in other assets | 157 | 124 | 63 |
Net cash flow from investing activities | -788 | -779 | -23 |
| | | |
Cash flow from financing activities | | | |
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Interest paid on debt securities and subordinated loan capital | -161 | -124 | -563 |
Net change in deposits from Norges Bank and other financial institutions | 2 329 | 131 | -138 |
Proceeds from bond issues raised | 0 | 0 | 5 374 |
Redemption of debt securities | -980 | 0 | -4 317 |
Dividend paid | 0 | 0 | -153 |
Changes in other debt | 173 | -402 | -396 |
Proceeds from Additional Tier 1 capital issued | 0 | 0 | 250 |
Paid interest on Additional Tier 1 capital issued | -8 | -4 | -23 |
Net cash flow from financing activities | 1 353 | -399 | 34 |
| | | |
Net change in cash and cash equivalents | -419 | -560 | 215 |
Cash balance at 01.01 | 1 072 | 857 | 857 |
Cash balance at 31.03/31.12 | 653 | 297 | 1 072 |