National Australia Bank Cash Flow Statement

Financials in millions AUD. Fiscal year is October - September.

Millions AUD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Net Income	6,759	6,960	7,414	6,891	6,364
Depreciation & Amortization	673	655	656	615	659
Other Amortization	687	655	558	497	429
Gain (Loss) on Sale of Assets	-31	-394	-19	-252	24
Gain (Loss) on Sale of Investments	136	97	-32	-198	-130
Total Asset Writedown	2,836	-862	3,495	4,309	-489
Provision for Credit Losses	883	836	895	194	-148
Change in Trading Asset Securities	-10,295	-26,873	-57,313	-452	12,265
Accrued Interest Receivable	414	-210	-1,086	-981	159
Change in Income Taxes	-212	80	77	659	29
Change in Other Net Operating Assets	-17,035	-49,917	24,687	-60,203	-74,741
Other Operating Activities	-1	-5	-2	-	-
Operating Cash Flow	-16,196	-67,468	-17,542	-47,309	-55,185
Capital Expenditures	-1,408	-1,440	-1,192	-1,077	-858
Sale of Property, Plant and Equipment	-	1	-	-	1
Cash Acquisitions	-	-	-	-3,183	-211
Investment in Securities	-4,300	6,026	-3,100	-4,619	-3,373
Divestitures	-	104	82	176	747
Investing Cash Flow	-5,708	4,691	-4,210	-8,703	-3,694
Long-Term Debt Issued	42,893	43,782	44,070	43,915	15,463
Long-Term Debt Repaid	-34,007	-26,638	-31,471	-29,483	-32,176
Net Debt Issued (Repaid)	8,886	17,144	12,599	14,432	-16,713
Repurchase of Common Stock	-1,004	-2,611	-1,620	-4,417	-2,650
Preferred Stock Issued	-	404	336	-	-
Common Dividends Paid	-4,828	-4,700	-4,339	-4,006	-2,682
Net Increase (Decrease) in Deposit Accounts	24,707	31,687	-9,157	75,530	55,944
Other Financing Activities	-336	-321	-	-	-
Financing Cash Flow	27,425	41,603	-2,181	81,539	33,899
Foreign Exchange Rate Adjustments	461	-579	2,343	-1,229	820
Net Cash Flow	5,982	-21,753	-21,590	24,298	-24,160
Free Cash Flow	-17,604	-68,908	-18,734	-48,386	-56,043
Free Cash Flow Margin	-87.85%	-346.43%	-94.46%	-262.31%	-331.01%
Free Cash Flow Per Share	-5.62	-20.93	-5.50	-13.96	-15.83
Cash Interest Paid	40,394	40,575	28,548	6,544	4,589
Cash Income Tax Paid	3,157	2,834	2,973	1,641	1,833

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