Føroya Banki (CPH:FOBANK)

Føroya Banki Cash Flow Statement

Financials in millions DKK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	290.02	310.43	307.53	164.41	272.34	166.19
Depreciation & Amortization	9.34	9.36	7.65	7.41	7.02	18.41
Total Asset Writedown	1	1	0.16	-3.47	-	-
Provision for Credit Losses	-12.35	1.08	-4.7	-43.94	-72.98	-12.24
Change in Other Net Operating Assets	-709.11	-609.6	-612.09	-241.2	3,513	1,170
Other Operating Activities	-84.66	-69.44	-29.03	-39.32	56.09	-1.78
Operating Cash Flow	-505.76	-357.17	-330.48	-156.12	3,776	1,341
Operating Cash Flow Growth	-	-	-	-	181.61%	-
Capital Expenditures	-2.93	-7.21	-7.01	-1.65	-4.69	-4.01
Sale of Property, Plant and Equipment	8.6	6.65	24.87	0.02	5.21	0.03
Divestitures	-	-	-	-	-3,310	-
Purchase / Sale of Intangibles	-0.72	-5	-	-0.08	-0.23	-3.27
Other Investing Activities	16.16	12	6.12	6.48	3.43	12.56
Investing Cash Flow	21.1	6.44	23.98	4.77	-3,306	5.31
Long-Term Debt Issued	-	242.86	638.55	207.76	350	-
Long-Term Debt Repaid	-	-155.42	-219.44	-5.06	-130.59	-10.51
Net Debt Issued (Repaid)	-151.69	87.44	419.11	202.7	219.41	-10.51
Repurchase of Common Stock	-	-	-	-	-0.95	-0.59
Common Dividends Paid	-350	-86.75	-256.75	-392.75	-504.75	-6.75
Net Increase (Decrease) in Deposit Accounts	1,452	1,301	366.53	436	98.14	-1,005
Other Financing Activities	0.96	0.22	0.72	1.1	1.52	-
Financing Cash Flow	950.88	1,302	529.61	247.04	-186.63	-1,022
Net Cash Flow	466.22	951.33	223.11	95.7	283.33	323.75
Free Cash Flow	-508.69	-364.38	-337.49	-157.76	3,771	1,337
Free Cash Flow Growth	-	-	-	-	182.11%	-
Free Cash Flow Margin	-81.86%	-57.22%	-53.81%	-36.56%	790.25%	350.30%
Free Cash Flow Per Share	-53.14	-38.06	-35.25	-16.48	394.03	140.04
Cash Income Tax Paid	78.96	78.96	48.02	96.73	29.6	40.54

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.