SpareBank 1 Nord-Norge Cash Flow Statement

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

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
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	2019 - 2015
Net Income	3,480	3,630	2,521	1,824	2,283	1,742	Upgrade
Depreciation & Amortization	86	84	88	92	104	109	Upgrade
Total Asset Writedown	-	-	-	-	4	-	Upgrade
Provision for Credit Losses	47	110	116	63	-235	332	Upgrade
Change in Other Net Operating Assets	-6,904	-5,325	-4,043	-2,337	-2,331	-5,231	Upgrade
Other Operating Activities	37	33	27	27	12	-	Upgrade
Operating Cash Flow	-3,254	-1,468	-1,291	-331	-163	-3,048	Upgrade
Capital Expenditures	-153	-84	-70	-62	-49	-68	Upgrade
Sale of Property, Plant and Equipment	-	-	-	-	57	-	Upgrade
Cash Acquisitions	-1,068	-1,232	-66	-139	135	-	Upgrade
Investment in Securities	-	-	-	-	-	-553	Upgrade
Investing Cash Flow	-1,221	-1,316	-136	-201	143	-621	Upgrade
Long-Term Debt Issued	-	5,158	5,741	4,620	3,011	5,080	Upgrade
Long-Term Debt Repaid	-	-4,741	-5,072	-5,887	-5,194	-6,750	Upgrade
Net Debt Issued (Repaid)	532	417	669	-1,267	-2,183	-1,670	Upgrade
Common Dividends Paid	-2,292	-2,033	-1,648	-1,821	-421	-435	Upgrade
Net Increase (Decrease) in Deposit Accounts	6,120	5,123	3,011	3,335	2,991	5,128	Upgrade
Other Financing Activities	23	27	15	33	-328	-465	Upgrade
Financing Cash Flow	4,383	3,534	2,047	280	59	2,558	Upgrade
Net Cash Flow	-92	750	620	-252	39	-1,111	Upgrade
Free Cash Flow	-3,407	-1,552	-1,361	-393	-212	-3,116	Upgrade
Free Cash Flow Margin	-52.50%	-23.82%	-26.70%	-9.82%	-4.67%	-83.58%	Upgrade
Free Cash Flow Per Share	-33.93	-15.46	-13.56	-3.91	-2.11	-31.04	Upgrade

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