Nordfyns Bank A/S (CPH:NRDF)

Nordfyns Bank 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	23.6	82.97	110.27	25.42	74.79	30.17
Depreciation & Amortization	10.12	8.58	8.49	8.66	8.24	8.78
Gain (Loss) on Sale of Assets	-0.05	-0.17	0.01	0.14	-0.18	0.27
Total Asset Writedown	7.67	7.67	0.49	-0.71	1.72	2.09
Provision for Credit Losses	5.82	-9.22	-4	6.37	-18.93	19.84
Change in Other Net Operating Assets	-264.67	-453.43	255.53	-328.99	-256.49	-268.45
Other Operating Activities	-14.4	-5.77	1.01	-7.66	-0.86	4.1
Operating Cash Flow	-231.93	-369.38	371.78	-296.79	-191.71	-203.22
Capital Expenditures	-6.64	-21.59	-3.53	-6.15	-2.49	-6.11
Sale of Property, Plant and Equipment	0.57	0.88	0.87	0.92	5.74	6.51
Income (Loss) Equity Investments	-0.02	-0.02	-0.02	-0.02	-0	-0.02
Purchase / Sale of Intangibles	-3.13	-3.13	0.17	-0.06	-	-0.3
Investing Cash Flow	-9.2	-23.84	-2.49	-5.3	3.25	0.09
Long-Term Debt Issued	-	-	55	30	25	20
Long-Term Debt Repaid	-	-58.78	-23.99	-14.14	-4.15	-10.1
Net Debt Issued (Repaid)	-83.84	-58.78	31.01	15.86	20.85	9.9
Issuance of Common Stock	40	-	-	-	-	50
Common Dividends Paid	-21.48	-28.05	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	319.41	151.38	-115.5	336.04	2.83	278.28
Other Financing Activities	0.12	0.12	-	-	-	-0.75
Financing Cash Flow	254.21	64.67	-84.49	351.9	23.68	337.43
Foreign Exchange Rate Adjustments	0.89	0.89	0.62	-	-	-
Net Cash Flow	13.98	-327.66	285.42	49.81	-164.78	134.31
Free Cash Flow	-238.57	-390.97	368.25	-302.94	-194.2	-209.33
Free Cash Flow Margin	-85.50%	-122.39%	114.56%	-150.58%	-76.51%	-112.23%
Free Cash Flow Per Share	-140.92	-237.98	224.15	-184.40	-118.21	-127.42
Cash Interest Paid	3.23	3.25	3.25	3.25	3.25	-
Cash Income Tax Paid	27.95	34.12	26.2	10.29	10.19	5.85

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