Kraft Bank ASA Cash Flow Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	65.04	27.56	42.34	46.47	46.24
Depreciation & Amortization	8.58	5.74	5.45	5.45	3.86
Other Operating Activities	159.53	114.18	69.3	20.49	8.89
Operating Cash Flow	233.15	147.48	117.09	72.41	58.99
Operating Cash Flow Growth	58.09%	25.96%	61.70%	22.74%	29.10%
Capital Expenditures	-9.46	-9.83	-4.05	-1.89	-4.31
Investment in Securities	11.93	-123.77	-52.2	64.18	-96.86
Other Investing Activities	-0	-	-0	0	-
Investing Cash Flow	2.47	-133.6	-56.25	62.3	-101.17
Long-Term Debt Issued	1,830	1,433	1,219	1,370	939.58
Long-Term Debt Repaid	-1,819	-1,817	-1,114	-2,232	-1,717
Net Debt Issued (Repaid)	11.31	-384.02	104.7	-862.78	-777.37
Common Dividends Paid	-15.54	-	-	-10.5	-
Net Increase (Decrease) in Deposit Accounts	-220.6	414.12	-98.29	716.55	776.02
Other Financing Activities	-12.24	-11.87	-8.76	-2.93	-1.6
Financing Cash Flow	-237.07	18.23	-2.36	-159.66	-2.96
Net Cash Flow	-1.45	32.1	58.48	-24.96	-45.13
Free Cash Flow	223.7	137.65	113.04	70.52	54.68
Free Cash Flow Growth	62.51%	21.77%	60.29%	28.98%	27.01%
Free Cash Flow Margin	118.13%	104.42%	87.63%	50.59%	43.63%
Free Cash Flow Per Share	5.33	3.06	2.69	1.68	1.30
Cash Interest Paid	-	252	209.85	-	-
Cash Income Tax Paid	13.29	15.21	15.21	16.51	8.69

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