| (NOK million) | 31.03.2021 | 31.03.2020 | 31.12.2020 |
|---|
| | | | |
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 459 | 643 | 2 069 |
| Interest, commission and fees paid | -77 | -201 | -521 |
| Dividend and group contribution received | 1 | 6 | 22 |
| Operating expenses paid | -118 | -192 | -552 |
| Income taxes paid | -47 | -42 | -99 |
| Changes relating to loans to and claims on other financial institutions | -1 401 | -687 | -78 |
| Changes relating to repayment of loans/leasing to customers | -614 | -609 | -2 632 |
| Changes in utilised credit facilities | -258 | -531 | -207 |
| Net change in deposits from customers | 1 278 | 629 | 2 220 |
| Net cash flow from operating activities | -777 | -984 | 222 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Interest received on certificates, bonds and other securities | 22 | 40 | 115 |
| Proceeds from the sale of certificates, bonds and other securities | 522 | 3 027 | 7 359 |
| Purchases of certificates, bonds and other securities | -1 949 | -4 008 | -8 919 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
| Purchase of fixed assets etc. | -2 | -4 | -37 |
| Changes in other assets | 34 | 157 | -65 |
| Net cash flow from investing activities | -1 373 | -788 | -1 547 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -66 | -161 | -388 |
| Net change in deposits from Norges Bank and other financial institutions | -643 | 2 329 | 1 392 |
| Proceeds from bond issues raised | 3 523 | 0 | 5 821 |
| Redemption of debt securities | -896 | -980 | -5 912 |
| Dividend paid | 0 | 0 | -138 |
| Changes in other debt | -83 | 173 | 47 |
| Proceeds from Additional Tier 1 capital issued | 0 | 0 | 0 |
| Paid interest on Additional Tier 1 capital issued | -6 | -8 | -27 |
| Net cash flow from financing activities | 1 829 | 1 353 | 795 |
| | | | |
| Net change in cash and cash equivalents | -321 | -419 | -530 |
| Cash balance at 01.01 | 542 | 1 072 | 1 072 |
| Cash balance at 31.03/31.12 | 221 | 653 | 542 |
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