| (NOK million) | 30.09.2023 | 30.09.2022 | 31.12.2022 |
|---|
| | | | |
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 3 404 | 1 872 | 2 807 |
| Interest, commission and fees paid | -1 069 | -328 | -580 |
| Interest received on certificates, bonds and other securities | 312 | 135 | 213 |
| Dividend and group contribution received | 1 | 1 | 11 |
| Operating expenses paid | -549 | -472 | -630 |
| Income taxes paid | -220 | -116 | -334 |
| Changes relating to loans to and claims on other financial institutions | -1 185 | -104 | 506 |
| Changes relating to repayment of loans/leasing to customers | -3 311 | -2 806 | -5 169 |
| Changes in utilised credit facilities | -414 | -944 | -966 |
| Net change in deposits from customers | 2 772 | 2 833 | 2 028 |
| Proceeds from the sale of certificates, bonds and other securities | 10 363 | 12 741 | 13 502 |
| Purchases of certificates, bonds and other securities | -10 821 | -13 512 | -14 687 |
| Net cash flow from operating activities | -717 | -700 | -3 299 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Proceeds from the sale of fixed assets etc. | 0 | 0 | 0 |
| Purchase of fixed assets etc. | -30 | -23 | -35 |
| Changes in other assets | -102 | 141 | 86 |
| Net cash flow from investing activities | -132 | 118 | 51 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -1 186 | -411 | -702 |
| Net change in deposits from Norges Bank and other financial institutions | 732 | -144 | -394 |
| Proceeds from bond issues raised | 5 994 | 5 152 | 8 224 |
| Redemption of debt securities | -5 264 | -3 546 | -3 546 |
| Dividend paid | -198 | -158 | -158 |
| Changes in other debt | 582 | -93 | -230 |
| Redemption of Additional Tier 1 capital | 0 | -349 | -349 |
| Proceeds from issued Additional Tier 1 capital | -35 | 400 | 400 |
| Paid interest on Additional Tier 1 capital issued | 0 | -20 | -31 |
| Net cash flow from financing activities | 625 | 831 | 3 214 |
| | | | |
| Net change in cash and cash equivalents | -224 | 249 | -34 |
| Cash balance at 01.01 | 394 | 428 | 428 |
| Cash balance at 30.09/31.12 | 170 | 677 | 394 |
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