HOSE:NAB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020
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
Net Income	4,182,234	3,607,093	2,621,619	1,807,876	1,434,363	Upgrade
Depreciation & Amortization	226,377	175,048	-	100,519	108,914	Upgrade
Other Amortization	-	-	-	10,142	-	Upgrade
Change in Trading Asset Securities	-19,237,388	3,270,426	65,494	-104,949	-	Upgrade
Change in Other Net Operating Assets	-3,781,542	-20,898,623	-15,684,054	-18,406,427	-9,184,243	Upgrade
Other Operating Activities	-229,562	-854,932	2,407,968	1,469,493	738,583	Upgrade
Operating Cash Flow	-18,839,881	-14,700,988	-10,588,973	-15,123,346	-6,902,383	Upgrade
Capital Expenditures	-782,310	-669,877	-581,238	-633,182	-96,896	Upgrade
Sale of Property, Plant and Equipment	1,640	1,191	1,191	1,688	1,156	Upgrade
Investment in Securities	-	-138,691	-	140,800	-10,520	Upgrade
Other Investing Activities	2,222	22	38	32	151	Upgrade
Investing Cash Flow	-742,859	-799,828	-580,009	-490,662	-87,488	Upgrade
Issuance of Common Stock	-	499,648	-	2,830,960	-	Upgrade
Common Dividends Paid	-159	-86	-226	-222	-540	Upgrade
Net Increase (Decrease) in Deposit Accounts	137,386,302	28,100,140	23,113,188	15,368,448	13,595,759	Upgrade
Financing Cash Flow	137,386,143	28,599,702	23,112,962	18,199,186	13,595,219	Upgrade
Net Cash Flow	117,803,403	13,098,886	11,943,980	2,585,178	6,605,348	Upgrade
Free Cash Flow	-19,622,191	-15,370,865	-11,170,211	-15,756,528	-6,999,279	Upgrade
Free Cash Flow Margin	-216.73%	-182.13%	-162.38%	-308.35%	-173.30%	Upgrade
Free Cash Flow Per Share	-11436.93	-9212.07	-6756.77	-12362.56	-6766.20	Upgrade
Cash Interest Paid	12,492,186	10,346,973	11,539,747	7,093,872	6,813,229	Upgrade
Cash Income Tax Paid	799,233	950,901	501,892	449,979	411,221	Upgrade

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