Cash flow statement
| NOK million | 30.09.2026 | 30.09.2025 | 2025 |
|---|---|---|---|
| Cash flow from operations | |||
| Interest, commission and customers fees received | 9,348 | 8,201 | 11,196 |
| Interest, commission and customers fees paid | -117 | -467 | -381 |
| Interests received on other investments | 160 | 302 | 368 |
| Interests paid relating to bond debt | -7,843 | -7,054 | -9,654 |
| Payments to other suppliers for goods and services | -11 | -9 | -14 |
| Fees and other social costs | 0 | 0 | 0 |
| Payment of taxes | 0 | -109 | 0 |
| Net cash flow from operations | 1,537 | 864 | 1,514 |
| Cash flow from investment activities | |||
| Payments made/received on loans to customers | -18,456 | 3,725 | -4,380 |
| Payments made/received on purchase/sales of other securities | 3,313 | 8,925 | 6,457 |
| Net cash effect of merger with Sparebanken Sør Boligkreditt | 0 | 3,765 | 3,765 |
| Net cash flow from investment activities | -15,143 | 16,416 | 5,842 |
| Cash flow from financing activities | |||
| Payments made/received relating to debt to credit institutions | -4,593 | -15,667 | -12,009 |
| Payments received related to issuing bond debt | 54,489 | 27,855 | 48,736 |
| Payments made relating to redemption of bond debt | -27,728 | -20,496 | -36,899 |
| Issue of new share capital | 0 | 1,000 | 1,000 |
| Payments of dividends/ group contributions | -1,190 | -453 | -453 |
| Net cash flow from financing activities | 20,978 | -7,761 | 375 |
| Net cash flow for the period | 7,372 | 9,519 | 7,731 |
| Net change in cash and cash equivalents | 7,372 | 9,519 | 7,731 |
| Cash and cash equivalents at beginning of period | 16,491 | 8,759 | 8,759 |
| Cash and cash equivalents at end of period | 23,863 | 18,278 | 16,491 |