| (NOK million) | 31.12.2023 | 31.12.2022 |
|---|
| | | |
| Cash flow from operating activities | | |
|---|
| Interest, commission and fees received | 4 775 | 2 807 |
| Interest, commission and fees paid | -1 363 | -580 |
| Interest received on certificates, bonds and other securities | 439 | 213 |
| Dividend and group contribution received | 1 | 11 |
| Operating expenses paid | -786 | -630 |
| Income taxes paid | -210 | -334 |
| Changes relating to loans to and claims on other financial institutions | -559 | 506 |
| Changes relating to repayment of loans/leasing to customers | -4 753 | -5 169 |
| Changes in utilised credit facilities | -688 | -966 |
| Net change in deposits from customers | 3 529 | 2 028 |
| Proceeds from the sale of certificates, bonds and other securities | 11 401 | 13 502 |
| Purchases of certificates, bonds and other securities | -12 840 | -14 687 |
| Net cash flow from operating activities | -1 054 | -3 299 |
| | | |
| Cash flow from investing activities | | |
|---|
| Proceeds from the sale of fixed assets etc. | 0 | 0 |
| Purchase of fixed assets etc. | -41 | -35 |
| Changes in other assets | -159 | 86 |
| Net cash flow from investing activities | -200 | 51 |
| | | |
| Cash flow from financing activities | | |
|---|
| Interest paid on debt securities and subordinated loan capital | -1 676 | -702 |
| Net change in deposits from Norges Bank and other financial institutions | 640 | -394 |
| Proceeds from bond issues raised | 8 392 | 8 224 |
| Redemption of debt securities | -5 786 | -3 546 |
| Dividend paid | -198 | -158 |
| Changes in other debt | -198 | -230 |
| Redemption of Additional Tier 1 capital | 0 | -349 |
| Proceeds from issued Additional Tier 1 capital | 0 | 400 |
| Paid interest on Additional Tier 1 capital issued | -48 | -31 |
| Net cash flow from financing activities | 1 126 | 3 214 |
| | | |
| Net change in cash and cash equivalents | -128 | -34 |
| Cash balance at 01.01 | 394 | 428 |
| Cash balance at 31.12 | 266 | 394 |
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