Sparebanken 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	7,135	6,491	4,653	3,545	2,817	2,513
Depreciation & Amortization	272	272	100	99	95	91
Other Amortization	81	81	78	87	119	117
Total Asset Writedown	-	-	-	6	7	-
Other Operating Activities	833	104	-404	52	-657	-565
Operating Cash Flow	8,321	6,948	4,427	3,789	2,381	2,156
Operating Cash Flow Growth	92.08%	56.95%	16.84%	59.14%	10.44%	23.98%
Capital Expenditures	-108	-88	-72	-107	-123	-93
Sale of Property, Plant and Equipment	30	22	-	6	-	5
Cash Acquisitions	1,400	1,400	-	-	-	-
Investment in Securities	14,238	3,113	-3,187	-6,092	-8,091	5,322
Divestitures	-	-	-	-	168	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-38,008	-36,887	-25,673	-32,828	-19,052	-21,462
Other Investing Activities	212	190	129	141	184	219
Investing Cash Flow	-22,236	-32,250	-28,803	-38,880	-26,914	-16,009
Long-Term Debt Issued	-	66,667	30,463	38,935	29,979	22,767
Long-Term Debt Repaid	-	-52,972	-16,542	-17,283	-20,044	-15,690
Net Debt Issued (Repaid)	2,541	13,695	13,921	21,652	9,935	7,077
Common Dividends Paid	-2,356	-2,322	-2,673	-1,932	-1,028	-908
Net Increase (Decrease) in Deposit Accounts	14,024	13,531	13,224	15,615	15,437	7,800
Other Financing Activities	1	1	-1	-	-2	-
Financing Cash Flow	14,210	24,905	24,471	35,335	24,342	13,969
Net Cash Flow	296	-397	96	244	-191	117
Free Cash Flow	8,213	6,860	4,355	3,682	2,258	2,063
Free Cash Flow Growth	92.48%	57.52%	18.28%	63.07%	9.45%	29.42%
Free Cash Flow Margin	63.78%	58.67%	57.84%	59.46%	43.48%	44.90%
Free Cash Flow Per Share	43.07	45.70	39.72	33.60	21.03	19.29
Cash Interest Paid	18,664	18,664	12,851	9,108	3,566	1,426
Cash Income Tax Paid	900	900	1,037	725	694	380

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