Instabank ASA Cash Flow Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2019
Period Ending	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	2016 - 2019
Net Income	98.12	100.87	82.24	83.45	42.68	Upgrade
Depreciation & Amortization	13	12.44	13.05	14.1	12.74	Upgrade
Gain (Loss) on Sale of Investments	-19.38	-14.88	-0.7	-2.67	-7.17	Upgrade
Provision for Credit Losses	-107.48	143.34	17.76	51.46	-41.77	Upgrade
Change in Other Net Operating Assets	-465.93	-1,501	-1,066	-812.45	-446.95	Upgrade
Other Operating Activities	58.53	18.36	-5.05	15.73	5.76	Upgrade
Operating Cash Flow	-423.13	-1,240	-959.18	-650.37	-434.7	Upgrade
Capital Expenditures	-0.27	-0.82	-0.11	-0.07	-	Upgrade
Purchase / Sale of Intangibles	-13.93	-15.62	-6.8	-7.15	-9.74	Upgrade
Investing Cash Flow	-14.19	-16.45	-6.91	-7.22	-9.74	Upgrade
Long-Term Debt Issued	20	25	40	-	16	Upgrade
Long-Term Debt Repaid	-18.79	-27.92	-	-	-	Upgrade
Net Debt Issued (Repaid)	1.21	-2.92	40	-	16	Upgrade
Issuance of Common Stock	-	67.86	40	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	619.98	1,274	805.15	743.13	455.26	Upgrade
Other Financing Activities	-10.75	-10.05	-9.09	-6.87	-7.23	Upgrade
Financing Cash Flow	610.45	1,329	876.07	736.26	464.03	Upgrade
Net Cash Flow	173.13	72.25	-90.03	78.68	19.59	Upgrade
Free Cash Flow	-423.4	-1,241	-959.29	-650.43	-434.7	Upgrade
Free Cash Flow Margin	-126.44%	-417.47%	-372.75%	-272.02%	-255.38%	Upgrade
Free Cash Flow Per Share	-1.06	-3.10	-2.71	-1.85	-1.23	Upgrade
Cash Interest Paid	22.09	20.61	9.09	6.87	7.23	Upgrade
Cash Income Tax Paid	32.97	25.07	28.49	15.36	8.75	Upgrade

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