National Bank of Greece S.A. (ATH:ETE)
Greece · Delayed Price · Currency is EUR 17.10
+0.82 (5.04%)
Nov 9, 2026, 5:19 PM EET
National Bank of Greece Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Net Income | 1,163 | 1,160 | 1,158 | 1,106 | 1,120 | 867 |
Depreciation & Amortization | 94 | 88 | 85 | 102 | 104 | 105 |
Other Amortization | 119 | 119 | 101 | 86 | 68 | 58 |
Gain (Loss) on Sale of Assets | -16 | 81 | -17 | -19 | 2 | -18 |
Gain (Loss) on Sale of Investments | -273 | -135 | -122 | -122 | 101 | -308 |
Total Asset Writedown | 10 | 9 | 6 | 4 | 4 | 40 |
Provision for Credit Losses | 158 | 82 | 236 | 300 | 42 | 51 |
Change in Trading Asset Securities | 672 | 638 | -8 | -429 | 2,420 | 1,448 |
Change in Income Taxes | -64 | 47 | 67 | -19 | 21 | 32 |
Change in Other Net Operating Assets | -3,535 | -1,126 | -4,672 | -8,009 | -3,961 | -193 |
Other Operating Activities | 255 | 128 | 312 | 338 | 324 | 118 |
Net Cash from Discontinued Operations | - | - | - | - | -30 | - |
Operating Cash Flow | -1,418 | 1,091 | -2,856 | -6,662 | 213 | 2,200 |
Operating Cash Flow Growth | - | - | - | - | -90.32% | -65.53% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Capital Expenditures | -574 | -538 | -299 | -516 | -193 | -179 |
Sale of Property, Plant and Equipment | 19 | 28 | 19 | 57 | 51 | 19 |
Investment in Securities | -3,221 | -2,412 | -2,623 | -2,669 | -1,157 | -116 |
Income (Loss) Equity Investments | -1 | - | -2 | - | -2 | - |
Divestitures | 3 | - | - | - | 214 | - |
Other Investing Activities | 26 | 6 | 3 | 3 | 3 | 4 |
Investing Cash Flow | -3,747 | -2,916 | -2,900 | -3,125 | -1,082 | -272 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Long-Term Debt Issued | - | 1,287 | 1,756 | 554 | 907 | 19 |
Long-Term Debt Repaid | - | -765 | -608 | -62 | -123 | -57 |
Lease Payments | -33 | -46 | -43 | -62 | -61 | -57 |
Net Debt Issued (Repaid) | 754 | 522 | 1,148 | 492 | 784 | -38 |
Issuance of Common Stock | 522 | 27 | 14 | 15 | 15 | 16 |
Repurchase of Common Stock | -335 | -142 | -37 | -17 | -14 | -15 |
Common Dividends Paid | -464 | -605 | -332 | - | - | - |
Net Increase (Decrease) in Deposit Accounts | 4,207 | 2,077 | 358 | 1,880 | 1,696 | 4,430 |
Other Financing Activities | -7 | -4 | - | - | - | - |
Financing Cash Flow | 4,677 | 1,875 | 1,151 | 2,370 | 2,481 | 4,393 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Foreign Exchange Rate Adjustments | 3 | -10 | -10 | -7 | -8 | - |
Net Cash Flow | -485 | 40 | -4,615 | -7,424 | 1,604 | 6,321 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | -1,992 | 553 | -3,155 | -7,178 | 20 | 2,021 |
Free Cash Flow Growth | - | - | - | - | -99.01% | -67.42% |
Free Cash Flow Margin | -72.41% | 21.00% | -116.68% | -284.50% | 0.95% | 110.38% |
Free Cash Flow Per Share | -2.22 | 0.61 | -3.46 | -7.85 | 0.02 | 2.21 |
Free Cash Flow After Leases | -2,025 | 507 | -3,198 | -7,240 | -41 | 1,964 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash Income Tax Paid | 64 | -47 | -67 | 19 | -21 | -32 |