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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	4,195	4,279	4,512	3,273	2,364	2,794
Depreciation & Amortization	96	92	84	88	92	104
Provision for Credit Losses	48	81	110	116	63	-235
Other Adjustments	-215	-729	-752	-725	-513	-495
Changes in Trading Assets	-1,942	-3,342	-1,209	48	1,068	-1,876
Changes in Accrued Interest and Accounts Receivable	381	428	-315	68	-538	904
Changes in Accounts Payable	6,875	6,777	5,123	3,011	3,335	2,991
Changes in Other Operating Activities	-3,331	-5,425	-3,898	-4,159	-2,867	-1,359
Operating Cash Flow	5,069	2,161	3,655	1,720	3,004	2,828
Operating Cash Flow Growth	632.51%	-40.88%	112.50%	-42.74%	6.22%	35.96%
Cash Acquisitions	-619	-619	-532	-767	-425	-274
Capital Expenditures	-95	-104	-84	-70	-62	-49
Sale of Property, Plant & Equipment	-	-	-	-	0	57
Other Investing Activities	-385	-367	-700	701	286	409
Investing Cash Flow	-1,099	-1,090	-1,316	-136	-201	143
Long-Term Debt Issued	5,903	6,579	4,958	5,091	4,620	3,011
Long-Term Debt Repaid	-6,770	-6,020	-4,685	-5,017	-5,656	-5,141
Net Long-Term Debt Issued (Repaid)	-867	559	273	74	-1,036	-2,130
Common Dividends Paid	-2,775	-1,908	-1,933	-1,588	-1,784	-845
Other Financing Activities	-145	-142	71	550	-235	43
Financing Cash Flow	-3,787	-1,491	-1,589	-964	-3,055	-2,932
Net Cash Flow	183	-420	750	620	-252	39
Free Cash Flow	4,974	2,057	3,571	1,650	2,942	2,779
Free Cash Flow Growth	641.28%	-42.40%	116.42%	-43.92%	5.87%	38.12%
FCF Margin	73.97%	0.00%	0.00%	39.25%	95.67%	95.50%
Free Cash Flow Per Share	22.20	0.00	35.57	16.43	29.30	27.68