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	2016 - 2020
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	2016 - 2020
Net Income	6,759	6,960	7,414	6,891	6,364	Upgrade
Depreciation & Amortization	673	655	656	615	659	Upgrade
Other Amortization	687	655	558	497	429	Upgrade
Gain (Loss) on Sale of Assets	-31	-394	-19	-252	24	Upgrade
Gain (Loss) on Sale of Investments	136	97	-32	-198	-130	Upgrade
Total Asset Writedown	2,836	-862	3,495	4,309	-489	Upgrade
Provision for Credit Losses	883	836	895	194	-148	Upgrade
Change in Trading Asset Securities	-10,295	-26,873	-57,313	-452	12,265	Upgrade
Accrued Interest Receivable	414	-210	-1,086	-981	159	Upgrade
Change in Income Taxes	-212	80	77	659	29	Upgrade
Change in Other Net Operating Assets	-17,035	-49,917	24,687	-60,203	-74,741	Upgrade
Other Operating Activities	-1	-5	-2	-	-	Upgrade
Operating Cash Flow	-16,196	-67,468	-17,542	-47,309	-55,185	Upgrade
Capital Expenditures	-1,408	-1,440	-1,192	-1,077	-858	Upgrade
Sale of Property, Plant and Equipment	-	1	-	-	1	Upgrade
Cash Acquisitions	-	-	-	-3,183	-211	Upgrade
Investment in Securities	-4,300	6,026	-3,100	-4,619	-3,373	Upgrade
Divestitures	-	104	82	176	747	Upgrade
Investing Cash Flow	-5,708	4,691	-4,210	-8,703	-3,694	Upgrade
Long-Term Debt Issued	42,893	43,782	44,070	43,915	15,463	Upgrade
Long-Term Debt Repaid	-34,007	-26,638	-31,471	-29,483	-32,176	Upgrade
Net Debt Issued (Repaid)	8,886	17,144	12,599	14,432	-16,713	Upgrade
Repurchase of Common Stock	-1,004	-2,611	-1,620	-4,417	-2,650	Upgrade
Preferred Stock Issued	-	404	336	-	-	Upgrade
Common Dividends Paid	-4,828	-4,700	-4,339	-4,006	-2,682	Upgrade
Net Increase (Decrease) in Deposit Accounts	24,707	31,687	-9,157	75,530	55,944	Upgrade
Other Financing Activities	-336	-321	-	-	-	Upgrade
Financing Cash Flow	27,425	41,603	-2,181	81,539	33,899	Upgrade
Foreign Exchange Rate Adjustments	461	-579	2,343	-1,229	820	Upgrade
Net Cash Flow	5,982	-21,753	-21,590	24,298	-24,160	Upgrade
Free Cash Flow	-17,604	-68,908	-18,734	-48,386	-56,043	Upgrade
Free Cash Flow Margin	-87.85%	-346.43%	-94.46%	-262.31%	-331.01%	Upgrade
Free Cash Flow Per Share	-5.62	-20.93	-5.50	-13.96	-15.83	Upgrade
Cash Interest Paid	40,394	40,575	28,548	6,544	4,589	Upgrade
Cash Income Tax Paid	3,157	2,834	2,973	1,641	1,833	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.