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
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	98.12	100.87	82.24	83.45
Depreciation & Amortization	13	12.44	13.05	14.1
Gain (Loss) on Sale of Investments	-19.38	-14.88	-0.7	-2.67
Provision for Credit Losses	-107.48	143.34	17.76	51.46
Change in Other Net Operating Assets	-465.93	-1,501	-1,066	-812.45
Other Operating Activities	58.53	18.36	-5.05	15.73
Operating Cash Flow	-423.13	-1,240	-959.18	-650.37
Capital Expenditures	-0.27	-0.82	-0.11	-0.07
Purchase / Sale of Intangibles	-13.93	-15.62	-6.8	-7.15
Investing Cash Flow	-14.19	-16.45	-6.91	-7.22
Long-Term Debt Issued	20	25	40	-
Long-Term Debt Repaid	-18.79	-27.92	-	-
Net Debt Issued (Repaid)	1.21	-2.92	40	-
Issuance of Common Stock	-	67.86	40	-
Net Increase (Decrease) in Deposit Accounts	619.98	1,274	805.15	743.13
Other Financing Activities	-10.75	-10.05	-9.09	-6.87
Financing Cash Flow	610.45	1,329	876.07	736.26
Net Cash Flow	173.13	72.25	-90.03	78.68
Free Cash Flow	-423.4	-1,241	-959.29	-650.43
Free Cash Flow Margin	-126.44%	-417.47%	-372.75%	-272.02%
Free Cash Flow Per Share	-1.06	-3.10	-2.71	-1.85
Cash Interest Paid	22.09	20.61	9.09	6.87
Cash Income Tax Paid	32.97	25.07	28.49	15.36

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.