Norion Bank AB (publ) (STO:NORION)

Norion Bank AB Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	1,422	1,265	1,294	1,141	753	333
Depreciation & Amortization	81	71	67	63	36	39
Other Amortization	-	-	-	-	-	43
Total Asset Writedown	-	-	-	-170	23	12
Provision for Credit Losses	-	-	-	938	-	861
Change in Other Net Operating Assets	-11,244	-12,168	-6,286	-6,412	-5,632	-2,925
Other Operating Activities	922	1,053	1,375	176	813	408
Operating Cash Flow	-8,819	-9,779	-3,550	-4,264	-4,007	-1,229
Capital Expenditures	-	-1	-1	-1	-	-1
Investment in Securities	-62	-62	-	-	-	-
Divestitures	-	-	-	-	-4	-
Purchase / Sale of Intangibles	-72	-76	-57	-38	-35	-38
Investing Cash Flow	-134	-139	-58	-39	-39	-39
Long-Term Debt Issued	-	2,785	247	1,970	5,511	2
Long-Term Debt Repaid	-	-1,147	-2,330	-4,415	-505	-2,409
Net Debt Issued (Repaid)	302	1,638	-2,083	-2,445	5,006	-2,407
Issuance of Common Stock	-	-	-	-	-	1,027
Repurchase of Common Stock	-500	-515	-58	-44	-40	-
Net Increase (Decrease) in Deposit Accounts	9,678	9,678	5,912	4,541	496	1,401
Other Financing Activities	-1	-	-	-	-11	-55
Financing Cash Flow	9,479	10,801	3,771	2,052	5,451	-34
Foreign Exchange Rate Adjustments	-49	78	-10	73	30	-47
Net Cash Flow	477	961	153	-2,178	1,435	-1,349
Free Cash Flow	-8,819	-9,780	-3,551	-4,265	-4,007	-1,230
Free Cash Flow Margin	-297.54%	-364.38%	-138.17%	-187.47%	-228.58%	-90.98%
Free Cash Flow Per Share	-43.32	-47.62	-17.29	-20.77	-19.51	-5.99
Cash Interest Paid	1,440	2,598	1,134	454	345	329
Cash Income Tax Paid	316	378	272	156	69	9

Source: S&P Global Market Intelligence. Banks template. Financial Sources.