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 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	3,794	3,611	2,202	1,187	973	-23
Depreciation & Amortization	173	167	177	211	217	55
Other Amortization	53	53	48	22	53	14
Gain (Loss) on Sale of Investments	-240	1,453	-480	260	26	-2
Total Asset Writedown	-	-	-	65	201	-
Provision for Credit Losses	4,657	4,794	5,090	4,610	3,817	1,618
Change in Other Net Operating Assets	-11,087	-14,561	-16,343	-29,846	-10,796	-4,817
Other Operating Activities	817	-886	746	-621	-572	-484
Operating Cash Flow	-1,816	-5,352	-8,560	-24,112	-6,081	-3,639
Capital Expenditures	-224	-214	-134	-75	-41	-10
Cash Acquisitions	-397	-	-	-	-	-13,651
Investment in Securities	33	33	-	-	-19	-445
Investing Cash Flow	-588	-181	-134	-75	-60	-14,106
Long-Term Debt Issued	-	-	458	755	-	5,990
Long-Term Debt Repaid	-	-	-357	-561	-241	-
Net Debt Issued (Repaid)	-	-	101	194	-241	5,990
Issuance of Common Stock	747	747	791	-	202	10,760
Repurchase of Common Stock	-	-	-	-129	-311	-
Common Dividends Paid	-203	-196	-202	-121	-81	-150
Net Increase (Decrease) in Deposit Accounts	293	-704	15,411	21,432	8,452	4,254
Other Financing Activities	65	57	-	-	-	-
Financing Cash Flow	902	-96	16,101	21,376	8,021	20,854
Foreign Exchange Rate Adjustments	-100	-183	174	94	171	66
Net Cash Flow	-1,403	-5,812	7,739	-2,717	2,051	3,175
Free Cash Flow	-2,040	-5,566	-8,694	-24,187	-6,122	-3,649
Free Cash Flow Margin	-26.11%	-74.25%	-151.59%	-526.26%	-135.17%	-225.66%
Free Cash Flow Per Share	-4.07	-11.12	-17.39	-	-	-
Cash Interest Paid	3,476	3,737	4,674	3,039	1,120	454
Cash Income Tax Paid	863	669	555	335	696	202