| Amounts in NOK million | 31.12.2015 | 31.12.2014 |
|---|
| Cash flow from operating activities | | |
| Interest, commission and fees received | 2 109 | 2 122 |
| Interest, commission and fees paid | -524 | -358 |
| Dividend and group contribution received | 2 | 7 |
| Operating expenses paid | -532 | -514 |
| Income taxes paid | -202 | -188 |
| Changes relating to loans to and claims on other financial institutions | -35 | -446 |
| Changes relating to repayment of loans/leasing to customers | -2 931 | -2 223 |
| Changes in utilised credit facilities | 485 | -546 |
| Net change in deposits from customers | 1 028 | 332 |
| Net cash flow from operating activities | -600 | -1 814 |
| | | |
| Cash flow from investing activities | | |
| Interest received on certificates, bonds and other securities | 104 | 140 |
| Proceeds from the sale of certificates, bonds and other securities | 1 483 | 2 594 |
| Purchases of certificates, bonds and other securities | -1 512 | -2 137 |
| Proceeds from the sale of fixed assets etc. | 4 | 1 |
| Purchase of fixed assets etc. | -43 | -33 |
| Changes in other assets | -283 | -454 |
| Net cash flow from investing activities | -247 | 111 |
| | | |
| Cash flow from financing activities | | |
| Interest paid on debt securities | -455 | -493 |
| Net change in deposits from Norges Bank and other financial institutions | 483 | -559 |
| Proceeds from bond issues raised | 7 056 | 6 258 |
| Redemption of debt securities | -5 107 | -4 955 |
| Dividend paid | -133 | -79 |
| Changes in other debt | -21 | 328 |
| Net cash flow from financing activities | 1 823 | 500 |
| | | |
| Net change in cash and cash equivalents | 976 | -1 203 |
| Cash balance at 01.01 | 78 | 1 281 |
| Cash balance at 31.12 | 1 054 | 78 |
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