Svenska Handelsbanken AB (publ) (STO:SHB.A)

Svenska Handelsbanken AB Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	24,602	27,451	29,107	21,676	19,527	15,585
Depreciation & Amortization	1,264	1,202	1,105	3,673	1,175	1,306
Other Amortization	786	786	681	594	576	447
Gain (Loss) on Sale of Assets	1,767	1,767	-	-751	-	-
Gain (Loss) on Sale of Investments	-	-	-	418	-	-797
Total Asset Writedown	-91	-88	-1,133	-2,212	426	82
Provision for Credit Losses	-576	-576	254	284	80	929
Change in Other Net Operating Assets	13,725	28,590	18,433	-89,741	-143,767	-39,200
Other Operating Activities	1,745	-954	-467	-1,266	-1,138	-4,499
Net Cash from Discontinued Operations	-117	753	1,394	1,455	1,508	1,469
Operating Cash Flow	43,105	58,931	49,374	-65,870	-121,613	-24,678
Operating Cash Flow Growth	-78.80%	19.36%	-	-	-	-
Capital Expenditures	-993	-949	-832	-786	-1,194	-709
Sale of Property, Plant and Equipment	398	398	326	482	1,063	328
Investment in Securities	-82	-169	-53	-11	-82	1,632
Divestitures	17,049	17,147	-	49,238	-	-
Purchase / Sale of Intangibles	-525	-678	-957	-711	-539	-1,031
Other Investing Activities	1	-1	-1	-	-	-
Investing Cash Flow	17,079	15,748	-1,517	48,212	-752	220
Long-Term Debt Issued	-	5,704	8,635	11,845	-	8,176
Long-Term Debt Repaid	-	-13,371	-8,351	-3,000	-10,130	-2
Net Debt Issued (Repaid)	5,704	-7,667	284	8,845	-10,130	8,174
Common Dividends Paid	-29,700	-25,740	-15,840	-9,900	-8,118	-
Net Increase (Decrease) in Deposit Accounts	-14,402	-14,402	-26,249	27,572	170,994	111,938
Financing Cash Flow	-38,398	-47,809	-41,805	26,517	144,198	120,112
Foreign Exchange Rate Adjustments	-24,386	26,957	-5,753	27,059	20,489	-25,970
Net Cash Flow	-2,599	53,828	299	35,918	42,322	69,684
Free Cash Flow	42,112	57,982	48,542	-66,656	-122,807	-25,387
Free Cash Flow Growth	-79.20%	19.45%	-	-	-	-
Free Cash Flow Margin	71.25%	92.09%	78.13%	-132.38%	-277.54%	-63.91%
Free Cash Flow Per Share	21.27	29.28	24.52	-33.66	-62.02	-12.82
Cash Interest Paid	127,203	127,203	112,316	28,169	7,257	15,717
Cash Income Tax Paid	7,469	8,519	7,681	6,419	5,086	7,711

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.