| (NOK million) | 30.09.2021 | 30.09.2020 | 31.12.2020 |
|---|
| | | | |
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 1 364 | 1 597 | 2 069 |
| Interest, commission and fees paid | -214 | -433 | -521 |
| Dividend and group contribution received | 0 | 6 | 22 |
| Operating expenses paid | -380 | -385 | -552 |
| Income taxes paid | -115 | -33 | -99 |
| Changes relating to loans to and claims on other financial institutions | -1 570 | -1 644 | -78 |
| Changes relating to repayment of loans/leasing to customers | -2 073 | -1 384 | -2 632 |
| Changes in utilised credit facilities | -539 | -18 | -207 |
| Net change in deposits from customers | 1 756 | 2 525 | 2 220 |
| Net cash flow from operating activities | -1 771 | 231 | 222 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Interest received on certificates, bonds and other securities | 85 | 94 | 115 |
| Proceeds from the sale of certificates, bonds and other securities | 3 915 | 6 594 | 7 359 |
| Purchases of certificates, bonds and other securities | -7 133 | -10 604 | -8 919 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
| Purchase of fixed assets etc. | -9 | -10 | -37 |
| Changes in other assets | 59 | -195 | -65 |
| Net cash flow from investing activities | -3 083 | -4 121 | -1 547 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -206 | -331 | -388 |
| Net change in deposits from Norges Bank and other financial institutions | -366 | 1 646 | 1 392 |
| Proceeds from bond issues raised | 6 095 | 3 331 | 5 821 |
| Redemption of debt securities | -962 | -1 494 | -5 912 |
| Dividend paid | -44 | -138 | -138 |
| Changes in other debt | 292 | 475 | 47 |
| Proceeds from Additional Tier 1 capital issued | 0 | 0 | 0 |
| Paid interest on Additional Tier 1 capital issued | -17 | -21 | -27 |
| Net cash flow from financing activities | 4 792 | 3 468 | 795 |
| | | | |
| Net change in cash and cash equivalents | -62 | -422 | -530 |
| Cash balance at 01.01 | 542 | 1 072 | 1 072 |
| Cash balance at 30.09/31.12 | 480 | 650 | 542 |
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