HOSE:NAB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	3,607,093	3,607,093	2,621,619	1,807,876	1,434,363	799,664
Depreciation & Amortization	45,683	45,683	-	100,519	108,914	-
Other Amortization	6,876	6,876	-	10,142	-	-
Change in Trading Asset Securities	-27,498	39,455	65,494	-104,949	-	-
Change in Other Net Operating Assets	26,094,661	-17,667,652	-15,684,054	-18,406,427	-9,184,243	-34,717,186
Other Operating Activities	630,505	-732,443	2,407,968	1,469,493	738,583	-22,266
Operating Cash Flow	30,357,320	-14,700,988	-10,588,973	-15,123,346	-6,902,383	-33,939,788
Capital Expenditures	-727,885	-669,877	-581,238	-633,182	-96,896	-340,692
Sale of Property, Plant and Equipment	659	1,191	1,191	1,688	1,156	31,303
Investment in Securities	2,104	-138,691	-	140,800	-10,520	-
Other Investing Activities	2,222	22	38	32	151	63
Investing Cash Flow	-687,175	-799,828	-580,009	-490,662	-87,488	-284,308
Issuance of Common Stock	499,648	499,648	-	2,830,960	-	843,133
Common Dividends Paid	-135	-86	-226	-222	-540	-656.71
Net Increase (Decrease) in Deposit Accounts	56,963,455	28,100,140	23,113,188	15,368,448	13,595,759	34,861,412
Financing Cash Flow	57,462,968	28,599,702	23,112,962	18,199,186	13,595,219	35,703,888
Net Cash Flow	87,116,352	13,098,886	11,943,980	2,585,178	6,605,348	1,479,792
Free Cash Flow	29,629,435	-15,370,865	-11,170,211	-15,756,528	-6,999,279	-34,280,480
Free Cash Flow Margin	334.93%	-182.13%	-162.38%	-308.35%	-173.30%	-1300.35%
Free Cash Flow Per Share	-	-9212.07	-6756.77	-12362.56	-6766.20	-
Cash Interest Paid	10,346,973	10,346,973	11,539,747	7,093,872	6,813,229	5,757,123
Cash Income Tax Paid	950,901	950,901	501,892	449,979	411,221	151,392

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