| (NOK million) | 30.09.2025 | 30.09.2024 | 31.12.2024 |
|---|
| | | | |
| Cash flow from operating activities | | | |
|---|
| Interest, commission and fees received | 4 345 | 4 305 | 5 758 |
| Interest, commission and fees paid | -1 546 | -1 471 | -1 943 |
| Interest received on certificates, bonds and other securities | 488 | 393 | 542 |
| Interest paid on debt securities and subordinated loan capital | -1 621 | -1497 | -2 038 |
| Dividend and group contribution received | 0 | 7 | 14 |
| Operating expenses paid | -626 | -625 | -883 |
| Income taxes paid | -348 | -193 | -269 |
| Receipts/payments(-) on loans to and receivables from other financial institutions | -335 | -2 743 | 245 |
| Receipts/payments(-) on loans/leasing to customers | -2 608 | -3 867 | -4 810 |
| Receipts/payments(-) on customers utilised credit facilities | 16 | -816 | -484 |
| Receipts/payments(-) on deposits from customers | 3 022 | 1 793 | 2 140 |
| Proceeds from the sale of certificates, bonds and other securities | 17 715 | 12 205 | 18 640 |
| Purchase of certificates, bonds and other securities | -21 238 | -16 857 | -19 221 |
| Receipts of other assets | 0 | 10 | 0 |
| Payments of other assets | -10 | 0 | -7 |
| Net cash flow from operating activities | -2 743 | -9 356 | -2 316 |
| | | | |
| Cash flow from investing activities | | | |
|---|
| Proceeds from the sale of fixed assets and intangible assets | 0 | 0 | 0 |
| Purchase of fixed assets and intangible assets | -122 | -28 | -71 |
| Receipts/payments(-) on investment i subsidiaries | 0 | 0 | 0 |
| Net cash flow from investing activities | -122 | -28 | -71 |
| | | | |
| Cash flow from financing activities | | | |
|---|
| Receipts/payments(-) on deposits from Norges Bank and other financial institutions | 281 | 747 | 268 |
| Redemption of debt securities | -4 814 | -1 638 | -7 819 |
| Proceeds from bonds issued | 7 992 | 10 675 | 10 675 |
| Redemption of Additional Tier 1 capital | 0 | -250 | -250 |
| Proceeds from Additional Tier 1 capital issued | 0 | 350 | 348 |
| Interest paid on issued Additional Tier 1 capital | -45 | -47 | -63 |
| Payment of cash dividends to EC owners | -311 | -371 | -371 |
| Payment of dividend funds | -203 | -110 | -515 |
| Payment upon sale of own equity certificates | 10 | 9 | 9 |
| Payment upon purchase of own equity certificates | 0 | -7 | -15 |
| Receipts/payments(-) of other debt | -118 | 148 | 330 |
| Net cash flow from financing activities | 2 792 | 9 506 | 2 597 |
| | | | |
| Net change in cash and cash equivalents | -72 | 121 | 210 |
| Cash balance, OB | 563 | 266 | 353 |
| Cash balance, CB | 491 | 387 | 563 |
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