| (NOK million) | 31.12.2022 | 31.12.2021 |
|---|
| | | |
| Cash flow from operating activities | | |
|---|
| Interest, commission and fees received | 2 807 | 1 884 |
| Interest, commission and fees paid | -580 | -277 |
| Interest received on certificates, bonds and other securities | 213 | 94 |
| Dividend and group contribution received | 11 | 3 |
| Operating expenses paid | -630 | -531 |
| Income taxes paid | -334 | -104 |
| Changes relating to loans to and claims on other financial institutions | 506 | 299 |
| Changes relating to repayment of loans/leasing to customers | -5 169 | -3 037 |
| Changes in utilised credit facilities | -966 | -90 |
| Net change in deposits from customers | 2 028 | 2 829 |
| Proceeds from the sale of certificates, bonds and other securities | 13 502 | 6 286 |
| Purchases of certificates, bonds and other securities | -14 687 | -10 013 |
| Net cash flow from operating activities | -3 299 | -2 657 |
| | | |
| Cash flow from investing activities | | |
|---|
| Proceeds from the sale of fixed assets etc. | 0 | 0 |
| Purchase of fixed assets etc. | -35 | -17 |
| Changes in other assets | 86 | 135 |
| Net cash flow from investing activities | 51 | 118 |
| | | |
| Cash flow from financing activities | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -702 | -268 |
| Net change in deposits from Norges Bank and other financial institutions | -394 | -1 229 |
| Proceeds from bond issues raised | 8 224 | 6 346 |
| Redemption of debt securities | -3 546 | -2 150 |
| Dividend paid | -158 | -133 |
| Changes in other debt | -230 | -118 |
| Redemption of Additional Tier 1 capital | -349 | 0 |
| Proceeds from issued Additional Tier 1 capital | 400 | 0 |
| Paid interest on Additional Tier 1 capital issued | -31 | -23 |
| Net cash flow from financing activities | 3 214 | 2 425 |
| | | |
| Net change in cash and cash equivalents | -34 | -114 |
| Cash balance at 01.01 | 428 | 542 |
| Cash balance at 31.12 | 394 | 428 |
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