| (NOK million) | 31.12.2019 | 31.12.2018 |
|---|
| | | |
|---|
| Cash flow from operating activities | | |
| Interest, commission and fees received | 2 449 | 2 059 |
| Interest, commission and fees paid | -515 | -383 |
| Dividend and group contribution received | 12 | 3 |
| Operating expenses paid | -548 | -561 |
| Income taxes paid | -81 | -204 |
| Changes relating to loans to and claims on other financial institutions | 200 | 7 |
| Changes relating to repayment of loans/leasing to customers | -3 755 | -3 740 |
| Changes in utilised credit facilities | 52 | 303 |
| Net change in deposits from customers | 2 390 | 1 610 |
| Net cash flow from operating activities | 204 | -906 |
| | | |
| Cash flow from investing activities | | |
| Interest received on certificates, bonds and other securities | 134 | 112 |
| Proceeds from the sale of certificates, bonds and other securities | 8 462 | 9 469 |
| Purchases of certificates, bonds and other securities | -8 649 | -10 198 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 |
| Purchase of fixed assets etc. | -33 | -23 |
| Changes in other assets | 63 | -135 |
| Net cash flow from investing activities | -23 | -775 |
| | | |
| Cash flow from financing activities | | |
| Interest paid on debt securities and subordinated loan capital | -563 | -434 |
| Net change in deposits from Norges Bank and other financial institutions | -138 | 386 |
| Proceeds from bond issues raised | 5 374 | 4 603 |
| Redemption of debt securities | -4 317 | -2 654 |
| Dividend paid | -153 | -138 |
| Changes in other debt | -396 | 153 |
| Proceeds from Additional Tier 1 capital issued | 250 | 0 |
| Paid interest on Additional Tier 1 capital issued | -23 | -15 |
| Net cash flow from financing activities | 34 | 1 901 |
| | | |
| Net change in cash and cash equivalents | 215 | 220 |
| Cash balance at 01.01 | 857 | 637 |
| Cash balance at 31.12 | 1 072 | 857 |
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