National Bank of Greece S.A. (LON:0RCR)

National Bank of Greece Cash Flow Statement

Financials in millions EUR. 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	1,058	1,158	1,106	1,120	867	33
Depreciation & Amortization	98	85	102	104	105	106
Other Amortization	101	101	86	68	58	48
Gain (Loss) on Sale of Assets	82	-17	-19	2	-18	-23
Gain (Loss) on Sale of Investments	-100	-122	-122	101	-308	-1,128
Total Asset Writedown	4	6	4	4	40	-38
Provision for Credit Losses	163	236	300	42	51	1,540
Change in Trading Asset Securities	526	-8	-429	2,420	1,448	-776
Change in Income Taxes	111	67	-19	21	32	26
Change in Other Net Operating Assets	-2,158	-4,672	-8,009	-3,961	-193	6,541
Other Operating Activities	176	312	338	324	118	53
Net Cash from Discontinued Operations	-	-	-	-30	-	-
Operating Cash Flow	62	-2,856	-6,662	213	2,200	6,382
Operating Cash Flow Growth	-	-	-	-90.32%	-65.53%	-
Capital Expenditures	-262	-299	-516	-193	-179	-178
Sale of Property, Plant and Equipment	29	19	57	51	19	64
Investment in Securities	-3,713	-2,623	-2,669	-1,157	-116	-4,961
Income (Loss) Equity Investments	1	-2	-	-2	-	-
Divestitures	-	-	-	214	-	55
Other Investing Activities	3	3	3	3	4	8
Investing Cash Flow	-3,943	-2,900	-3,125	-1,082	-272	-5,012
Long-Term Debt Issued	-	1,756	554	907	19	558
Long-Term Debt Repaid	-	-608	-62	-123	-57	-1,011
Net Debt Issued (Repaid)	741	1,148	492	784	-38	-453
Issuance of Common Stock	24	14	15	15	16	17
Repurchase of Common Stock	-109	-37	-17	-14	-15	-17
Common Dividends Paid	-405	-332	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	1,370	358	1,880	1,696	4,430	4,726
Other Financing Activities	-3	-	-	-	-	-
Financing Cash Flow	1,618	1,151	2,370	2,481	4,393	4,273
Foreign Exchange Rate Adjustments	-6	-10	-7	-8	-	-7
Net Cash Flow	-2,269	-4,615	-7,424	1,604	6,321	5,636
Free Cash Flow	-200	-3,155	-7,178	20	2,021	6,204
Free Cash Flow Growth	-	-	-	-99.01%	-67.42%	-
Free Cash Flow Margin	-7.66%	-116.68%	-284.50%	0.95%	110.38%	433.24%
Free Cash Flow Per Share	-0.22	-3.46	-7.85	0.02	2.21	6.78
Cash Income Tax Paid	-	-67	19	-21	-32	-26

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