NOBA Bank Group AB Cash Flow Statement

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. 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	3,228	2,202	1,187	973	-23	549
Depreciation & Amortization	187	177	211	217	55	25
Other Amortization	46	48	22	53	14	12
Gain (Loss) on Sale of Investments	815	-480	260	26	-2	-1
Total Asset Writedown	-	-	65	201	-	1
Provision for Credit Losses	5,122	5,286	4,610	3,817	1,618	831
Change in Other Net Operating Assets	-11,496	-16,343	-29,846	-10,796	-4,817	-3,864
Other Operating Activities	-597	550	-621	-572	-484	15
Operating Cash Flow	-2,678	-8,560	-24,112	-6,081	-3,639	-2,432
Capital Expenditures	-184	-134	-75	-41	-10	-13
Cash Acquisitions	-	-	-	-	-13,651	-
Investment in Securities	-	-	-	-19	-445	762
Investing Cash Flow	-184	-134	-75	-60	-14,106	749
Long-Term Debt Issued	-	458	755	-	5,990	-
Long-Term Debt Repaid	-	-357	-561	-241	-	-3,336
Net Debt Issued (Repaid)	-1	101	194	-241	5,990	-3,336
Issuance of Common Stock	-	791	-	202	10,760	-
Repurchase of Common Stock	-	-	-129	-311	-	-
Common Dividends Paid	-203	-202	-121	-81	-150	-
Net Increase (Decrease) in Deposit Accounts	5,907	15,411	21,432	8,452	4,254	5,642
Financing Cash Flow	5,703	16,101	21,376	8,021	20,854	2,306
Foreign Exchange Rate Adjustments	-26	174	94	171	66	-46
Net Cash Flow	2,814	7,739	-2,717	2,051	3,175	577
Free Cash Flow	-2,862	-8,694	-24,187	-6,122	-3,649	-2,445
Free Cash Flow Margin	-40.63%	-151.59%	-526.26%	-135.17%	-225.66%	-174.89%
Cash Interest Paid	4,346	4,674	3,039	1,120	454	454
Cash Income Tax Paid	641	555	335	696	202	165

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