| (NOK million) | 30.09.2020 | 30.09.2019 | 31.12.2019 |
|---|
| | | | |
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 1 597 | 1 783 | 2 449 |
| Interest, commission and fees paid | -433 | -372 | -515 |
| Dividend and group contribution received | 6 | 6 | 12 |
| Operating expenses paid | -385 | -391 | -548 |
| Income taxes paid | -33 | -201 | -81 |
| Changes relating to loans to and claims on other financial institutions | -1 644 | 591 | 200 |
| Changes relating to repayment of loans/leasing to customers | -1 384 | -2 904 | -3 755 |
| Changes in utilised credit facilities | -18 | -407 | 52 |
| Net change in deposits from customers | 2 525 | 1 733 | 2 390 |
| Net cash flow from operating activities | 231 | -162 | 204 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Interest received on certificates, bonds and other securities | 94 | 97 | 134 |
| Proceeds from the sale of certificates, bonds and other securities | 6 594 | 6 514 | 8 462 |
| Purchases of certificates, bonds and other securities | -10 604 | -6 797 | -8 649 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
| Purchase of fixed assets etc. | -10 | -10 | -33 |
| Changes in other assets | -195 | 322 | 63 |
| Net cash flow from investing activities | -4 121 | 126 | -23 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -331 | -402 | -563 |
| Net change in deposits from Norges Bank and other financial institutions | 1 646 | -142 | -138 |
| Proceeds from bond issues raised | 3 331 | 3 711 | 5 374 |
| Redemption of debt securities | -1 494 | -3 422 | -4 317 |
| Dividend paid | -138 | -153 | -153 |
| Changes in other debt | 475 | -469 | -396 |
| Proceeds from Additional Tier 1 capital issued | 0 | 250 | 250 |
| Paid interest on Additional Tier 1 capital issued | -21 | -15 | -23 |
| Net cash flow from financing activities | 3 468 | -642 | 34 |
| | | | |
| Net change in cash and cash equivalents | -422 | -678 | 215 |
| Cash balance at 01.01 | 1 072 | 857 | 857 |
| Cash balance at 30.09/31.12 | 650 | 179 | 1 072 |
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