National Bank of Pakistan Cash Flow Statement

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

Millions PKR. 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	88,022	25,985	53,102	30,835	28,600	30,490
Depreciation & Amortization	6,204	5,007	4,771	4,789	4,722	4,655
Other Amortization	592.22	548.8	324.75	365.82	428.81	238.93
Gain (Loss) on Sale of Assets	-123.33	-5.02	-224.32	-84.01	-71.7	-23.05
Gain (Loss) on Sale of Investments	-18,356	-11,927	1,463	5,000	645.11	-43.65
Total Asset Writedown	67.93	-559.22	239.05	562.96	70.78	1,696
Provision for Credit Losses	10,396	6,127	13,321	8,012	11,003	29,249
Change in Trading Asset Securities	29,597	-11,370	40,238	34,791	-23,492	-60,506
Change in Other Net Operating Assets	-338,802	-163,447	-112,727	1,831,450	-153,291	-276,680
Other Operating Activities	-505.59	89,179	-17,021	-190.86	3,618	-1,708
Operating Cash Flow	-223,624	-61,547	-17,984	1,915,081	-128,008	-272,456
Capital Expenditures	-14,746	-8,653	-3,180	-2,756	-2,316	-2,101
Sale of Property, Plant and Equipment	571.57	404.74	458.89	98.56	137.84	96.32
Investment in Securities	96,619	-46,315	-926,247	-1,621,074	-463,517	51,606
Income (Loss) Equity Investments	-715.69	-1,083	-1,471	-450.08	-240.56	176.58
Divestitures	-	-	-	111.82	-	-
Other Investing Activities	9,608	9,113	18,345	15,091	6,551	3,110
Investing Cash Flow	92,053	-45,451	-910,623	-1,608,529	-459,144	52,712
Long-Term Debt Repaid	-	-3,311	-3,566	-2,680	-2,753	-2,273
Net Debt Issued (Repaid)	-3,432	-3,311	-3,566	-2,680	-2,753	-2,273
Common Dividends Paid	-17,082	-	-7.14	-0.15	-3.52	-1.15
Net Increase (Decrease) in Deposit Accounts	157,227	192,102	1,007,837	-352,874	599,219	220,944
Other Financing Activities	-253	-253	-	-	-	-
Financing Cash Flow	136,461	188,539	1,004,263	-355,555	596,462	218,669
Foreign Exchange Rate Adjustments	4,734	14,008	1,262	1,542	-	-
Net Cash Flow	9,635	95,548	76,917	-47,461	9,311	-1,075
Free Cash Flow	-238,370	-70,200	-21,164	1,912,324	-130,324	-274,557
Free Cash Flow Margin	-73.68%	-29.72%	-10.73%	1339.10%	-104.49%	-247.34%
Free Cash Flow Per Share	-112.04	-33.00	-9.95	898.85	-61.26	-129.05
Cash Interest Paid	665,482	913,679	785,373	-	-	819.78
Cash Income Tax Paid	83,896	27,617	55,348	33,789	22,396	21,397

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