Kraft Bank 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 - 2017
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 - 2017
Net Income	65.04	27.56	42.34	46.47	46.24	Upgrade
Depreciation & Amortization	8.58	5.74	5.45	5.45	3.86	Upgrade
Other Operating Activities	159.53	114.18	69.3	20.49	8.89	Upgrade
Operating Cash Flow	233.15	147.48	117.09	72.41	58.99	Upgrade
Operating Cash Flow Growth	58.09%	25.96%	61.70%	22.74%	29.10%	Upgrade
Capital Expenditures	-9.46	-9.83	-4.05	-1.89	-4.31	Upgrade
Investment in Securities	11.93	-123.77	-52.2	64.18	-96.86	Upgrade
Other Investing Activities	-0	-	-0	0	-	Upgrade
Investing Cash Flow	2.47	-133.6	-56.25	62.3	-101.17	Upgrade
Long-Term Debt Issued	1,830	1,433	1,219	1,370	939.58	Upgrade
Long-Term Debt Repaid	-1,819	-1,817	-1,114	-2,232	-1,717	Upgrade
Net Debt Issued (Repaid)	11.31	-384.02	104.7	-862.78	-777.37	Upgrade
Common Dividends Paid	-15.54	-	-	-10.5	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-220.6	414.12	-98.29	716.55	776.02	Upgrade
Other Financing Activities	-12.24	-11.87	-8.76	-2.93	-1.6	Upgrade
Financing Cash Flow	-237.07	18.23	-2.36	-159.66	-2.96	Upgrade
Net Cash Flow	-1.45	32.1	58.48	-24.96	-45.13	Upgrade
Free Cash Flow	223.7	137.65	113.04	70.52	54.68	Upgrade
Free Cash Flow Growth	62.51%	21.77%	60.29%	28.98%	27.01%	Upgrade
Free Cash Flow Margin	118.13%	104.42%	87.63%	50.59%	43.63%	Upgrade
Free Cash Flow Per Share	5.33	3.06	2.69	1.68	1.30	Upgrade
Cash Interest Paid	-	252	209.85	-	-	Upgrade
Cash Income Tax Paid	13.29	15.21	15.21	16.51	8.69	Upgrade

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