NOBA Bank Group AB Cash Flow Statement

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

Millions SEK. 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	3,611	2,202	1,187	973	-23	Upgrade
Depreciation & Amortization	167	177	211	217	55	Upgrade
Other Amortization	53	48	22	53	14	Upgrade
Gain (Loss) on Sale of Investments	1,453	-480	260	26	-2	Upgrade
Total Asset Writedown	-	-	65	201	-	Upgrade
Provision for Credit Losses	4,794	5,090	4,610	3,817	1,618	Upgrade
Change in Other Net Operating Assets	-14,561	-16,343	-29,846	-10,796	-4,817	Upgrade
Other Operating Activities	-886	746	-621	-572	-484	Upgrade
Operating Cash Flow	-5,352	-8,560	-24,112	-6,081	-3,639	Upgrade
Capital Expenditures	-214	-134	-75	-41	-10	Upgrade
Cash Acquisitions	-	-	-	-	-13,651	Upgrade
Investment in Securities	33	-	-	-19	-445	Upgrade
Investing Cash Flow	-181	-134	-75	-60	-14,106	Upgrade
Long-Term Debt Issued	-	458	755	-	5,990	Upgrade
Long-Term Debt Repaid	-	-357	-561	-241	-	Upgrade
Net Debt Issued (Repaid)	-	101	194	-241	5,990	Upgrade
Issuance of Common Stock	747	791	-	202	10,760	Upgrade
Repurchase of Common Stock	-	-	-129	-311	-	Upgrade
Common Dividends Paid	-196	-202	-121	-81	-150	Upgrade
Net Increase (Decrease) in Deposit Accounts	-704	15,411	21,432	8,452	4,254	Upgrade
Other Financing Activities	57	-	-	-	-	Upgrade
Financing Cash Flow	-96	16,101	21,376	8,021	20,854	Upgrade
Foreign Exchange Rate Adjustments	-183	174	94	171	66	Upgrade
Net Cash Flow	-5,812	7,739	-2,717	2,051	3,175	Upgrade
Free Cash Flow	-5,566	-8,694	-24,187	-6,122	-3,649	Upgrade
Free Cash Flow Margin	-74.25%	-151.59%	-526.26%	-135.17%	-225.66%	Upgrade
Free Cash Flow Per Share	-11.12	-17.39	-	-	-	Upgrade
Cash Interest Paid	3,737	4,674	3,039	1,120	454	Upgrade
Cash Income Tax Paid	669	555	335	696	202	Upgrade

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