STO:SEB.A Cash Flow Statement

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

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
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	2015 - 2019
Net Income	31,246	35,865	38,116	26,877	25,423	15,746	Upgrade
Depreciation & Amortization	1,879	1,555	1,365	1,277	1,323	1,313	Upgrade
Other Amortization	749	749	763	832	812	738	Upgrade
Total Asset Writedown	8	8	-	1	187	-14	Upgrade
Change in Trading Asset Securities	-5,242	-69,573	-79,179	10,887	35,465	-18,792	Upgrade
Change in Other Net Operating Assets	-122,284	-51,842	86,478	-246,918	-130,855	-35,465	Upgrade
Other Operating Activities	-4,614	-20,256	5,632	32,961	-26,921	16,882	Upgrade
Operating Cash Flow	-98,258	-103,494	53,175	-174,083	-94,566	-19,592	Upgrade
Capital Expenditures	-1,189	-1,189	-1,038	-1,026	-644	-	Upgrade
Sale of Property, Plant and Equipment	15	15	33	12	7	311	Upgrade
Cash Acquisitions	-3,694	-3,694	-	-	-	-	Upgrade
Investment in Securities	-132	-132	399	209	-210	-255	Upgrade
Other Investing Activities	3,481	-	-1	-	1	-	Upgrade
Investing Cash Flow	-1,519	-5,000	-607	-805	-846	56	Upgrade
Long-Term Debt Issued	-	16,245	9,555	5,201	5,571	-	Upgrade
Long-Term Debt Repaid	-	-	-9,446	-5,422	-10,057	-10,257	Upgrade
Net Debt Issued (Repaid)	16,245	16,245	109	-221	-4,486	-10,257	Upgrade
Repurchase of Common Stock	-11,396	-8,340	-5,245	-4,722	-1,362	-	Upgrade
Common Dividends Paid	-23,709	-23,709	-14,195	-12,884	-17,740	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	-78,913	69,061	-91,562	103,917	226,218	209,908	Upgrade
Other Financing Activities	7,966	1	-	-1	-	-	Upgrade
Financing Cash Flow	-89,807	53,258	-110,893	86,089	202,630	199,651	Upgrade
Foreign Exchange Rate Adjustments	-4,467	18,059	-3,767	26,055	7,251	-8,203	Upgrade
Net Cash Flow	-194,050	-37,177	-62,093	-62,744	114,469	171,913	Upgrade
Free Cash Flow	-99,447	-104,683	52,137	-175,109	-95,210	-19,592	Upgrade
Free Cash Flow Margin	-130.01%	-129.24%	65.80%	-280.31%	-172.71%	-44.94%	Upgrade
Free Cash Flow Per Share	-49.02	-50.57	24.71	-81.33	-43.69	-9.00	Upgrade
Cash Interest Paid	103,046	103,046	84,377	21,384	6,266	13,906	Upgrade
Cash Income Tax Paid	12,067	12,067	6,891	7,034	14,338	4,392	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.