| (NOK million) | 31.12.2021 | 31.12.2020 |
|---|
| | | |
| Cash flow from operating activities | | |
|---|
| Interest, commission and fees received | 1 884 | 2 069 |
| Interest, commission and fees paid | -277 | -521 |
| Dividend and group contribution received | 3 | 22 |
| Operating expenses paid | -531 | -552 |
| Income taxes paid | -104 | -99 |
| Changes relating to loans to and claims on other financial institutions | 299 | -78 |
| Changes relating to repayment of loans/leasing to customers | -3 037 | -2 632 |
| Changes in utilised credit facilities | -90 | -207 |
| Net change in deposits from customers | 2 829 | 2 220 |
| Net cash flow from operating activities | 976 | 222 |
| | | |
| Cash flow from investing activities | | |
|---|
| Interest received on certificates, bonds and other securities | 94 | 115 |
| Proceeds from the sale of certificates, bonds and other securities | 6 286 | 7 359 |
| Purchases of certificates, bonds and other securities | -10 013 | -8 919 |
| Proceeds from the sale of fixed assets etc. | 0 | 0 |
| Purchase of fixed assets etc. | -17 | -37 |
| Changes in other assets | 135 | -65 |
| Net cash flow from investing activities | -3 515 | -1 547 |
| | | |
| Cash flow from financing activities | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -268 | -388 |
| Net change in deposits from Norges Bank and other financial institutions | -1 229 | 1 392 |
| Proceeds from bond issues raised | 6 346 | 5 821 |
| Redemption of debt securities | -2 150 | -5 912 |
| Dividend paid | -133 | -138 |
| Changes in other debt | -118 | 47 |
| Paid interest on Additional Tier 1 capital issued | -23 | -27 |
| Net cash flow from financing activities | 2 425 | 795 |
| | | |
| Net change in cash and cash equivalents | -114 | -530 |
| Cash balance at 01.01 | 542 | 1 072 |
| Cash balance at 31.12 | 428 | 542 |
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