SpareBank 1 Nord-Norge 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	3,480	3,630	2,521	1,824	2,283	1,742
Depreciation & Amortization	86	84	88	92	104	109
Total Asset Writedown	-	-	-	-	4	-
Provision for Credit Losses	47	110	116	63	-235	332
Change in Other Net Operating Assets	-6,904	-5,325	-4,043	-2,337	-2,331	-5,231
Other Operating Activities	37	33	27	27	12	-
Operating Cash Flow	-3,254	-1,468	-1,291	-331	-163	-3,048
Capital Expenditures	-153	-84	-70	-62	-49	-68
Sale of Property, Plant and Equipment	-	-	-	-	57	-
Cash Acquisitions	-1,068	-1,232	-66	-139	135	-
Investment in Securities	-	-	-	-	-	-553
Investing Cash Flow	-1,221	-1,316	-136	-201	143	-621
Long-Term Debt Issued	-	5,158	5,741	4,620	3,011	5,080
Long-Term Debt Repaid	-	-4,741	-5,072	-5,887	-5,194	-6,750
Net Debt Issued (Repaid)	532	417	669	-1,267	-2,183	-1,670
Common Dividends Paid	-2,292	-2,033	-1,648	-1,821	-421	-435
Net Increase (Decrease) in Deposit Accounts	6,120	5,123	3,011	3,335	2,991	5,128
Other Financing Activities	23	27	15	33	-328	-465
Financing Cash Flow	4,383	3,534	2,047	280	59	2,558
Net Cash Flow	-92	750	620	-252	39	-1,111
Free Cash Flow	-3,407	-1,552	-1,361	-393	-212	-3,116
Free Cash Flow Margin	-52.50%	-23.82%	-26.70%	-9.82%	-4.67%	-83.58%
Free Cash Flow Per Share	-33.93	-15.46	-13.56	-3.91	-2.11	-31.04
Cash Interest Paid	78	-	-	-	-	-

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