SpareBank 1 SMN 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	-	-	-	2,785	2,902
Depreciation & Amortization	-	-	-	117	186
Provision for Credit Losses	-	-	-	-7	161
Other Adjustments	-	-	-	-2,879	-3,279
Changes in Trading Assets	1,862	-1,765	5,881	-7,311	-4,215
Changes in Accrued Interest and Accounts Receivable	15,271	14,933	13,014	-	-
Changes in Accounts Payable	-5,678	-5,477	-4,114	-	-
Changes in Other Operating Activities	3,439	-2,856	-2,830	-6,500	5,592
Operating Cash Flow	9,902	877	8,016	-8,658	-1,825
Operating Cash Flow Growth	1029.08%	-89.06%	-	-	-
Payments for Business Acquisitions	-1,126	-1,925	-1,707	-1,332	-1,034
Proceeds from Business Divestments	190	198	142	6	544
Capital Expenditures	-148	-241	-207	187	-141
Other Investing Activities	898	1,536	2,253	1,173	1,156
Investing Cash Flow	-186	-432	482	33	526
Net Change in Deposits	-	-	-	5,136	-3,174
Long-Term Debt Issued	3,635	8,491	6,106	17,194	7,867
Long-Term Debt Repaid	-9,325	-5,220	-11,997	-	-
Net Long-Term Debt Issued (Repaid)	-5,690	3,271	-5,891	17,194	7,867
Issuance of Common Stock	1	1	153	-	-
Repurchase of Common Stock	-	-	-	-21	-5
Net Common Stock Issued (Repurchased)	1	1	153	-21	-5
Issuance of Preferred Stock	150	450	519	476	-
Repurchase of Preferred Stock	-193	-315	-385	0	-
Net Preferred Stock Issued (Repurchased)	-43	135	134	476	-
Common Dividends Paid	-1,803	-1,730	-840	-970	-569
Other Financing Activities	-7,771	-6,598	-5,991	-8,135	-7,505
Financing Cash Flow	-10,314	-962	-8,498	8,544	-212
Net Cash Flow	-598	-517	1	-81	-1,512
Free Cash Flow	9,754	636	7,809	-8,471	-1,966
Free Cash Flow Growth	1433.65%	-91.86%	-	-	-
FCF Margin	109.25%	7.11%	104.11%	-146.86%	-40.91%
Free Cash Flow Per Share	67.65	4.41	56.54	-65.51	-15.20
Levered Free Cash Flow	13,173	12,204	9,342	6,280	11,162
Unlevered Free Cash Flow	14,746	4,594	11,744	-13,507	1,422

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.