National Bank of Kuwait S.A.K.P. (KWSE:NBK)

KWSE:NBK Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	610.46	600.12	560.62	509.09	362.25	246.34
Depreciation & Amortization	51.45	48.55	45.96	40.57	35.7	35.08
Gain (Loss) on Sale of Assets	-	-	-	-	-	-12.72
Gain (Loss) on Sale of Investments	-4.62	-4.62	-0.01	6.48	-0.04	27.47
Total Asset Writedown	13.44	3.85	21.31	33.53	11.69	1.24
Provision for Credit Losses	33.18	87.24	81.77	5.35	120.84	217.72
Change in Other Net Operating Assets	-995.24	131.14	-967.41	-2,114	-1,305	-338.95
Other Operating Activities	50.8	22.2	11.82	18.81	-3.9	-0.01
Operating Cash Flow	-240.55	888.47	-245.94	-1,500	-778.35	176.19
Capital Expenditures	-52.1	-52.1	-56.26	-61.51	-56.12	-38.85
Sale of Property, Plant and Equipment	1.07	1.07	1.82	2.73	0.59	35
Cash Acquisitions	-4.18	-3.49	-11.88	-7.89	4.42	-2.14
Investment in Securities	-1,444	-846.25	-1,153	-1,260	-200.81	-401.9
Divestitures	-	-	-	25.6	-	-
Other Investing Activities	3.07	2.69	2.57	2.27	2.4	0.94
Investing Cash Flow	-1,498	-896.43	-1,254	-1,309	-222.88	-406.95
Long-Term Debt Issued	-	175.71	86.29	199.56	464.4	421.02
Long-Term Debt Repaid	-	-	-	-229.24	-	-
Net Debt Issued (Repaid)	251.36	175.71	86.29	-29.68	464.4	421.02
Issuance of Common Stock	243.06	-	-	-	210.44	49.1
Repurchase of Common Stock	-228.85	-	-	-	-210.7	-
Common Dividends Paid	-227.84	-299.68	-286.33	-309.42	-156.89	-249.17
Net Increase (Decrease) in Deposit Accounts	3,405	1,089	776.92	3,323	1,804	141.66
Other Financing Activities	-22.82	-18.71	-15.69	67.39	68.97	-15.65
Financing Cash Flow	3,420	946.53	561.2	3,051	2,180	346.96
Net Cash Flow	1,682	938.57	-938.75	241.46	1,179	116.2
Free Cash Flow	-292.65	836.37	-302.2	-1,562	-834.46	137.34
Free Cash Flow Margin	-23.46%	71.81%	-27.88%	-158.62%	-108.75%	23.15%
Free Cash Flow Per Share	-0.03	0.10	-0.04	-0.18	-0.10	0.02
Cash Income Tax Paid	70.89	55.9	39.59	33.86	28.5	36.13

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