Instabank ASA Cash Flow Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	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	2020 - 2016
Net Income	122.79	98.12	100.87	82.24	83.45	Upgrade
Depreciation & Amortization	13.94	13	12.44	13.05	14.1	Upgrade
Gain (Loss) on Sale of Investments	-5.64	-19.38	-14.88	-0.7	-2.67	Upgrade
Provision for Credit Losses	45.84	-107.48	143.34	17.76	51.46	Upgrade
Change in Other Net Operating Assets	-2,012	-465.93	-1,501	-1,066	-812.45	Upgrade
Other Operating Activities	27.58	58.53	18.36	-5.05	15.73	Upgrade
Operating Cash Flow	-1,808	-423.13	-1,240	-959.18	-650.37	Upgrade
Capital Expenditures	-0.18	-0.27	-0.82	-0.11	-0.07	Upgrade
Purchase / Sale of Intangibles	-11.83	-13.93	-15.62	-6.8	-7.15	Upgrade
Investing Cash Flow	-12.01	-14.19	-16.45	-6.91	-7.22	Upgrade
Long-Term Debt Issued	154	20	25	40	-	Upgrade
Long-Term Debt Repaid	-3.13	-18.79	-27.92	-	-	Upgrade
Net Debt Issued (Repaid)	150.87	1.21	-2.92	40	-	Upgrade
Issuance of Common Stock	205.01	-	67.86	40	-	Upgrade
Common Dividends Paid	-30.26	-	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	1,416	619.98	1,274	805.15	743.13	Upgrade
Other Financing Activities	-14.74	-10.75	-10.05	-9.09	-6.87	Upgrade
Financing Cash Flow	1,727	610.45	1,329	876.07	736.26	Upgrade
Net Cash Flow	-93.28	173.13	72.25	-90.03	78.68	Upgrade
Free Cash Flow	-1,808	-423.4	-1,241	-959.29	-650.43	Upgrade
Free Cash Flow Margin	-437.43%	-126.44%	-417.47%	-372.75%	-272.02%	Upgrade
Free Cash Flow Per Share	-4.27	-1.06	-3.10	-2.71	-1.85	Upgrade
Cash Interest Paid	30.8	22.09	20.61	9.09	6.87	Upgrade
Cash Income Tax Paid	20.19	32.97	25.07	28.49	15.36	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.