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	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	3,421	3,630	2,521	1,824	2,283	Upgrade
Depreciation & Amortization	78	73	88	92	104	Upgrade
Other Amortization	14	11	-	-	-	Upgrade
Total Asset Writedown	12	-	-	-	4	Upgrade
Provision for Credit Losses	81	110	116	63	-235	Upgrade
Change in Other Net Operating Assets	-8,339	-5,422	-4,043	-2,337	-2,331	Upgrade
Other Operating Activities	117	130	27	27	12	Upgrade
Operating Cash Flow	-4,616	-1,468	-1,291	-331	-163	Upgrade
Capital Expenditures	-104	-84	-70	-62	-49	Upgrade
Sale of Property, Plant and Equipment	-	-	-	-	57	Upgrade
Cash Acquisitions	-986	-1,232	-66	-139	135	Upgrade
Investing Cash Flow	-1,090	-1,316	-136	-201	143	Upgrade
Long-Term Debt Issued	6,579	4,958	5,741	4,620	3,011	Upgrade
Long-Term Debt Repaid	-6,085	-4,741	-5,072	-5,887	-5,194	Upgrade
Net Debt Issued (Repaid)	494	217	669	-1,267	-2,183	Upgrade
Issuance of Common Stock	-	200	-	-	-	Upgrade
Common Dividends Paid	-2,018	-2,033	-1,648	-1,821	-421	Upgrade
Net Increase (Decrease) in Deposit Accounts	6,777	5,123	3,011	3,335	2,991	Upgrade
Other Financing Activities	33	27	15	33	-328	Upgrade
Financing Cash Flow	5,286	3,534	2,047	280	59	Upgrade
Net Cash Flow	-420	750	620	-252	39	Upgrade
Free Cash Flow	-4,720	-1,552	-1,361	-393	-212	Upgrade
Free Cash Flow Margin	-73.99%	-23.82%	-26.70%	-9.82%	-4.67%	Upgrade
Free Cash Flow Per Share	-47.01	-15.46	-13.56	-3.91	-2.11	Upgrade
Cash Interest Paid	3,908	3,776	-	-	-	Upgrade
Cash Income Tax Paid	741	752	-	-	-	Upgrade

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