National Bank PLC. (DSE:NBL)

National Bank PLC. Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-17,074	-14,973	-32,609	381.54	3,611
Depreciation & Amortization	569.75	471.09	485.7	474.83	369.21
Gain (Loss) on Sale of Assets	-	-	-0.96	-0.11	-0.79
Gain (Loss) on Sale of Investments	-	-	-2,592	-1,501	-1,738
Provision for Credit Losses	-	-	23,473	264.02	-
Change in Trading Asset Securities	154.11	-156.63	-33.46	-33.9	-401.3
Accrued Interest Receivable	-	-	1,518	2,343	-3,802
Change in Other Net Operating Assets	16,901	6,134	1,671	-36,053	-53,922
Other Operating Activities	-7,779	-66.91	2,094	-864.73	3,022
Operating Cash Flow	-7,228	-8,591	-6,016	-35,708	-53,524
Capital Expenditures	-884.47	-387.37	-467.17	-262.88	-1,396
Sale of Property, Plant and Equipment	5.39	1.06	0.94	0.19	90
Investment in Securities	-2,056	3,350	57,919	-9,394	-8,421
Other Investing Activities	0	-	-	-	-
Investing Cash Flow	-2,935	2,964	57,453	-9,656	-9,727
Long-Term Debt Issued	65,030	49,951	-	4,169	81.43
Total Debt Issued	65,030	49,951	-	4,169	81.43
Long-Term Debt Repaid	-800	-800	-1,044	-800	-550
Total Debt Repaid	-800	-800	-1,044	-800	-550
Net Debt Issued (Repaid)	64,230	49,151	-1,044	3,369	-468.57
Common Dividends Paid	-	-	-	-	-1,460
Net Increase (Decrease) in Deposit Accounts	-56,121	2,659	-49,383	42,502	64,252
Financing Cash Flow	8,109	51,810	-50,428	45,870	62,324
Foreign Exchange Rate Adjustments	140.86	144.63	141.64	9.13	-0.34
Net Cash Flow	-1,913	46,327	1,151	515.52	-928.1
Free Cash Flow	-8,112	-8,978	-6,483	-35,970	-54,920
Free Cash Flow Margin	-	-	-	-446.54%	-398.57%
Free Cash Flow Per Share	-2.52	-2.79	-2.01	-11.17	-17.06
Cash Interest Paid	38,939	30,876	28,330	30,171	26,781
Cash Income Tax Paid	-	-	534.1	2,883	2,757

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