| (NOK million) | 31.12.2020 | 31.12.2019 |
|---|
| | | |
| Cash flow from operating activities | | |
|---|
| Interest, commission and fees received | 2 069 | 2 449 |
| Interest, commission and fees paid | -521 | -515 |
| Dividend and group contribution received | 22 | 12 |
| Operating expenses paid | -552 | -548 |
| Income taxes paid | -99 | -81 |
| Changes relating to loans to and claims on other financial institutions | -78 | 200 |
| Changes relating to repayment of loans/leasing to customers | -2 632 | -3 755 |
| Changes in utilised credit facilities | -207 | 52 |
| Net change in deposits from customers | 2 220 | 2 390 |
| Net cash flow from operating activities | 222 | 204 |
| | | |
| Cash flow from investing activities | | |
|---|
| Interest received on certificates, bonds and other securities | 115 | 134 |
| Proceeds from the sale of certificates, bonds and other securities | 7 359 | 8 462 |
| Purchases of certificates, bonds and other securities | -8 919 | -8 649 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 |
| Purchase of fixed assets etc. | -37 | -33 |
| Changes in other assets | -65 | 63 |
| Net cash flow from investing activities | -1 547 | -23 |
| | | |
| Cash flow from financing activities | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -388 | -563 |
| Net change in deposits from Norges Bank and other financial institutions | 1 392 | -138 |
| Proceeds from bond issues raised | 5 821 | 5 374 |
| Redemption of debt securities | -5 912 | -4 317 |
| Dividend paid | -138 | -153 |
| Changes in other debt | 47 | -396 |
| Proceeds from Additional Tier 1 capital issued | 0 | 250 |
| Paid interest on Additional Tier 1 capital issued | -27 | -23 |
| Net cash flow from financing activities | 795 | 34 |
| | | |
| Net change in cash and cash equivalents | -530 | 215 |
| Cash balance at 01.01 | 1 072 | 857 |
| Cash balance at 31.12 | 542 | 1 072 |
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