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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	79,279	85,032	25,985	53,102	30,835	28,600
Depreciation & Amortization	8,397	7,965	5,007	4,771	4,789	4,722
Other Amortization	745.38	745.38	548.8	324.75	365.82	428.81
Gain (Loss) on Sale of Assets	135.59	138.43	-1,402	-224.32	-84.01	-71.7
Gain (Loss) on Sale of Investments	-4,579	-9,130	-10,530	1,463	5,000	645.11
Total Asset Writedown	615.42	615.42	-559.22	239.05	562.96	70.78
Provision for Credit Losses	12,802	12,802	6,127	13,321	8,012	11,003
Change in Trading Asset Securities	50,893	40,790	-11,370	40,238	34,791	-23,492
Change in Other Net Operating Assets	153,052	-222,770	-164,700	-112,727	1,831,450	-153,291
Other Operating Activities	-30,488	-100,898	89,179	-17,021	-190.86	3,618
Operating Cash Flow	270,817	-185,192	-62,799	-17,984	1,915,081	-128,008
Capital Expenditures	-10,798	-11,010	-8,653	-3,180	-2,756	-2,316
Sale of Property, Plant and Equipment	270.16	278.88	404.74	458.89	98.56	137.84
Investment in Securities	-420,026	-297,270	-46,315	-926,247	-1,621,074	-463,517
Income (Loss) Equity Investments	-37.18	-482.4	-1,083	-1,471	-450.08	-240.56
Divestitures	-	-	-	-	111.82	-
Other Investing Activities	4,703	3,870	9,113	18,345	15,091	6,551
Investing Cash Flow	-425,852	-304,131	-45,451	-910,623	-1,608,529	-459,144
Long-Term Debt Repaid	-	-4,491	-3,311	-3,566	-2,680	-2,753
Net Debt Issued (Repaid)	-4,405	-4,491	-3,311	-3,566	-2,680	-2,753
Common Dividends Paid	-17,578	-17,578	-	-7.14	-0.15	-3.52
Net Increase (Decrease) in Deposit Accounts	216,582	562,455	192,102	1,007,837	-352,874	599,219
Other Financing Activities	-	-	-253	-	-	-
Financing Cash Flow	194,598	540,387	188,539	1,004,263	-355,555	596,462
Foreign Exchange Rate Adjustments	3,578	3,000	14,008	1,262	1,542	-
Net Cash Flow	43,147	54,079	94,297	76,917	-47,461	9,311
Free Cash Flow	260,018	-196,202	-71,452	-21,164	1,912,324	-130,324
Free Cash Flow Margin	87.06%	-63.57%	-30.25%	-10.73%	1339.10%	-104.49%
Free Cash Flow Per Share	122.20	-92.22	-33.59	-9.95	898.85	-61.26
Cash Interest Paid	595,767	595,767	913,679	785,373	-	-
Cash Income Tax Paid	107,430	107,430	27,617	55,348	33,789	22,396

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