HOSE:NAB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	4,182,234	3,607,093	2,621,619	1,807,876	1,434,363
Depreciation & Amortization	226,377	175,048	-	100,519	108,914
Other Amortization	-	-	-	10,142	-
Change in Trading Asset Securities	-19,237,388	3,270,426	65,494	-104,949	-
Change in Other Net Operating Assets	-3,781,542	-20,898,623	-15,684,054	-18,406,427	-9,184,243
Other Operating Activities	-229,562	-854,932	2,407,968	1,469,493	738,583
Operating Cash Flow	-18,839,881	-14,700,988	-10,588,973	-15,123,346	-6,902,383
Capital Expenditures	-782,310	-669,877	-581,238	-633,182	-96,896
Sale of Property, Plant and Equipment	1,640	1,191	1,191	1,688	1,156
Investment in Securities	-	-138,691	-	140,800	-10,520
Other Investing Activities	2,222	22	38	32	151
Investing Cash Flow	-742,859	-799,828	-580,009	-490,662	-87,488
Issuance of Common Stock	-	499,648	-	2,830,960	-
Common Dividends Paid	-159	-86	-226	-222	-540
Net Increase (Decrease) in Deposit Accounts	137,386,302	28,100,140	23,113,188	15,368,448	13,595,759
Financing Cash Flow	137,386,143	28,599,702	23,112,962	18,199,186	13,595,219
Net Cash Flow	117,803,403	13,098,886	11,943,980	2,585,178	6,605,348
Free Cash Flow	-19,622,191	-15,370,865	-11,170,211	-15,756,528	-6,999,279
Free Cash Flow Margin	-216.73%	-182.13%	-162.38%	-308.35%	-173.30%
Free Cash Flow Per Share	-11436.93	-9212.07	-6756.77	-12362.56	-6766.20
Cash Interest Paid	12,492,186	10,346,973	11,539,747	7,093,872	6,813,229
Cash Income Tax Paid	799,233	950,901	501,892	449,979	411,221

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