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	4,279	4,486	3,615	2,785	2,902
Depreciation & Amortization	-	183	153	117	154
Total Asset Writedown	-	-	1	-	32
Provision for Credit Losses	-	-	-	-7	161
Change in Trading Asset Securities	-	-	-	-	-59
Change in Other Net Operating Assets	-	-	-	-19,399	-15,495
Other Operating Activities	5,623	-3,792	4,247	-2,435	-2,572
Operating Cash Flow	9,902	877	8,016	-19,382	-15,582
Operating Cash Flow Growth	1029.08%	-89.06%	-	-	-
Capital Expenditures	-148	-241	-207	-89	-145
Sale of Property, Plant and Equipment	-	-	-	276	4
Cash Acquisitions	-	-	35	-	-
Investment in Securities	-63	-224	627	-483	148
Income (Loss) Equity Investments	-	-	-	-443	-705
Divestitures	-	-	-	6	99
Other Investing Activities	25	33	27	323	420
Investing Cash Flow	-186	-432	482	33	526
Long-Term Debt Issued	3,635	8,491	6,106	17,194	7,867
Long-Term Debt Repaid	-9,325	-5,220	-11,997	-7,363	-7,021
Net Debt Issued (Repaid)	-5,690	3,271	-5,891	9,831	846
Issuance of Common Stock	151	451	672	476	-
Repurchase of Common Stock	-193	-	-	-21	-5
Common Dividends Paid	-1,964	-2,191	-1,350	-1,033	-619
Net Increase (Decrease) in Deposit Accounts	-	-	-	10,724	13,757
Other Financing Activities	-2,618	-2,493	-1,929	-709	-434
Financing Cash Flow	-10,314	-962	-8,498	19,268	13,545
Net Cash Flow	-598	-518	1	-81	-1,512
Free Cash Flow	9,754	636	7,809	-19,471	-15,727
Free Cash Flow Growth	1433.65%	-91.86%	-	-	-
Free Cash Flow Margin	109.37%	7.11%	102.61%	-327.41%	-270.04%
Free Cash Flow Per Share	67.65	4.41	56.54	-150.57	-121.59
Cash Interest Paid	7,158	7,101	5,449	-	-

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