National Bank of Greece Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	1,158	1,106	1,120	867
Depreciation & Amortization	85	102	104	105
Other Amortization	101	86	68	58
Gain (Loss) on Sale of Assets	-17	-19	2	-18
Gain (Loss) on Sale of Investments	-122	-122	101	-308
Total Asset Writedown	6	4	4	40
Provision for Credit Losses	236	300	42	51
Change in Trading Asset Securities	-8	-429	2,420	1,448
Change in Income Taxes	67	-19	21	32
Change in Other Net Operating Assets	-4,672	-8,009	-3,961	-193
Other Operating Activities	312	338	324	118
Net Cash from Discontinued Operations	-	-	-30	-
Operating Cash Flow	-2,856	-6,662	213	2,200
Operating Cash Flow Growth	-	-	-90.32%	-65.53%
Capital Expenditures	-299	-516	-193	-179
Sale of Property, Plant and Equipment	19	57	51	19
Investment in Securities	-2,623	-2,669	-1,157	-116
Income (Loss) Equity Investments	-2	-	-2	-
Divestitures	-	-	214	-
Other Investing Activities	3	3	3	4
Investing Cash Flow	-2,900	-3,125	-1,082	-272
Long-Term Debt Issued	1,756	554	907	19
Long-Term Debt Repaid	-608	-62	-123	-57
Net Debt Issued (Repaid)	1,148	492	784	-38
Issuance of Common Stock	14	15	15	16
Repurchase of Common Stock	-37	-17	-14	-15
Common Dividends Paid	-332	-	-	-
Net Increase (Decrease) in Deposit Accounts	358	1,880	1,696	4,430
Financing Cash Flow	1,151	2,370	2,481	4,393
Foreign Exchange Rate Adjustments	-10	-7	-8	-
Net Cash Flow	-4,615	-7,424	1,604	6,321
Free Cash Flow	-3,155	-7,178	20	2,021
Free Cash Flow Growth	-	-	-99.01%	-67.42%
Free Cash Flow Margin	-116.68%	-284.50%	0.95%	110.38%
Free Cash Flow Per Share	-3.46	-7.85	0.02	2.21
Cash Income Tax Paid	-67	19	-21	-32

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.