Bien Sparebank ASA Cash Flow Statement

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

Millions NOK. 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	63.23	60.77	55.85	42.09	29.5	26.02
Depreciation & Amortization	4.19	4.19	4.25	4.32	4.4	0.57
Other Operating Activities	-36.6	-38.85	-230.39	38.4	-9.1	-0.35
Operating Cash Flow	30.82	26.11	-170.29	84.8	24.8	26.23
Operating Cash Flow Growth	-	-	-	241.95%	-5.46%	-81.98%
Sale of Property, Plant and Equipment	-	-	19.74	-	-	-
Investment in Securities	2.94	-10.79	-2.96	-31.78	4.58	-8.64
Other Investing Activities	8.36	4.66	6.48	9.1	7.83	8.34
Investing Cash Flow	11.3	-6.13	23.25	-22.68	12.41	-0.31
Long-Term Debt Issued	-	420	420	189.83	170	16.78
Long-Term Debt Repaid	-	-345.2	-323.7	-185.25	-229.21	-29.54
Net Debt Issued (Repaid)	197.28	74.8	96.3	4.58	-59.21	-12.76
Common Dividends Paid	-30.38	-27.95	-21.05	-11.7	-8.5	-8.1
Other Financing Activities	-74.5	-56.46	-50.63	28.91	-11.99	-17.79
Financing Cash Flow	92.4	-9.61	24.63	21.79	-79.7	-38.66
Net Cash Flow	134.52	10.38	-122.41	83.92	-42.49	-12.73
Free Cash Flow	30.82	26.11	-170.29	84.8	24.8	26.23
Free Cash Flow Growth	-	-	-	241.95%	-5.46%	-81.98%
Free Cash Flow Margin	18.89%	17.01%	-116.95%	73.39%	25.17%	28.13%
Free Cash Flow Per Share	5.43	4.60	-29.98	14.93	4.94	5.23
Cash Interest Paid	193.18	170.5	132.9	58.7	41.79	62.7
Cash Income Tax Paid	19.3	13.62	7.78	7.8	9.68	11.16

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