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	3,329	3,421	3,630	2,521	1,824	2,283
Depreciation & Amortization	82	78	73	88	92	104
Other Amortization	14	14	11	-	-	-
Total Asset Writedown	12	12	-	-	-	4
Provision for Credit Losses	48	81	110	116	63	-235
Change in Other Net Operating Assets	-5,953	-8,339	-5,422	-4,043	-2,337	-2,331
Other Operating Activities	116	117	130	27	27	12
Operating Cash Flow	-2,352	-4,616	-1,468	-1,291	-331	-163
Capital Expenditures	-95	-104	-84	-70	-62	-49
Sale of Property, Plant and Equipment	-	-	-	-	-	57
Cash Acquisitions	-986	-986	-1,232	-66	-139	135
Investment in Securities	-18	-	-	-	-	-
Investing Cash Flow	-1,099	-1,090	-1,316	-136	-201	143
Long-Term Debt Issued	-	6,579	4,958	5,741	4,620	3,011
Long-Term Debt Repaid	-	-6,085	-4,741	-5,072	-5,887	-5,194
Net Debt Issued (Repaid)	-1,060	494	217	669	-1,267	-2,183
Issuance of Common Stock	125	-	200	-	-	-
Common Dividends Paid	-2,885	-2,018	-2,033	-1,648	-1,821	-421
Net Increase (Decrease) in Deposit Accounts	7,421	6,777	5,123	3,011	3,335	2,991
Other Financing Activities	33	33	27	15	33	-328
Financing Cash Flow	3,634	5,286	3,534	2,047	280	59
Net Cash Flow	183	-420	750	620	-252	39
Free Cash Flow	-2,447	-4,720	-1,552	-1,361	-393	-212
Free Cash Flow Margin	-38.71%	-73.99%	-23.82%	-26.70%	-9.82%	-4.67%
Free Cash Flow Per Share	-24.39	-47.01	-15.46	-13.56	-3.91	-2.11
Cash Interest Paid	3,898	3,908	3,776	-	-	-
Cash Income Tax Paid	750	741	752	-	-	-