SJF Bank Cash Flow Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	623.14	623.12	558.42	371.77	443.53	228.66
Depreciation & Amortization	76.32	79.31	81.14	65.01	58.84	74.03
Gain (Loss) on Sale of Investments	-106.95	-82.98	-87.38	75.13	-22.08	-14.65
Total Asset Writedown	-0.91	8.47	8.49	18.57	5.98	20.86
Provision for Credit Losses	53.19	44.59	15.64	-15.95	-24.77	160.93
Change in Other Net Operating Assets	-1,915	1,528	177.95	-2,080	-1,468	687.87
Other Operating Activities	51.12	100.49	40.44	5.26	-0.83	-12.32
Operating Cash Flow	-1,219	2,301	794.71	-1,561	-1,007	1,145
Operating Cash Flow Growth	-	189.50%	-	-	-	121.93%
Capital Expenditures	-348.39	-132.52	-105.4	-147.28	-145.88	-93.7
Sale of Property, Plant and Equipment	57.3	36.88	13.51	31.8	62.34	72.52
Investment in Securities	-33.98	-4.79	-25.95	-25.92	-12.98	-114.12
Purchase / Sale of Intangibles	-3.54	-3.96	-4.06	-4.82	-5.26	-11.98
Investing Cash Flow	-328.6	-104.39	-121.91	-146.22	-101.77	-147.28
Long-Term Debt Issued	-	450	390	-	280	200
Long-Term Debt Repaid	-	-502	-171	-100	-	-105
Net Debt Issued (Repaid)	68	-52	219	-100	280	95
Issuance of Common Stock	14.12	18.14	239.2	224.64	6	-
Repurchase of Common Stock	-145.64	-103.44	-384.58	-83.7	-10.94	-5.99
Common Dividends Paid	-222.32	-189.5	-153.08	-129.44	-24.48	-76.46
Net Increase (Decrease) in Deposit Accounts	2,038	650.03	726.7	906.75	-234.98	1,301
Financing Cash Flow	1,752	323.23	647.25	818.25	15.6	1,314
Net Cash Flow	204.64	2,520	1,320	-888.66	-1,093	2,312
Free Cash Flow	-1,567	2,168	689.31	-1,708	-1,153	1,052
Free Cash Flow Growth	-	214.54%	-	-	-	154.16%
Free Cash Flow Margin	-90.43%	126.34%	43.71%	-130.16%	-89.13%	101.56%
Free Cash Flow Per Share	-94.92	128.69	40.16	-98.97	-66.92	60.86
Cash Income Tax Paid	85.42	72.58	53.25	62.67	41.69	29.96

Source: S&P Global Market Intelligence. Banks template. Financial Sources.