National Bank of Greece Cash Flow Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
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	2015 - 2019
Net Income	1,058	1,158	1,106	1,120	867	33	Upgrade
Depreciation & Amortization	98	85	102	104	105	106	Upgrade
Other Amortization	101	101	86	68	58	48	Upgrade
Gain (Loss) on Sale of Assets	82	-17	-19	2	-18	-23	Upgrade
Gain (Loss) on Sale of Investments	-100	-122	-122	101	-308	-1,128	Upgrade
Total Asset Writedown	4	6	4	4	40	-38	Upgrade
Provision for Credit Losses	163	236	300	42	51	1,540	Upgrade
Change in Trading Asset Securities	526	-8	-429	2,420	1,448	-776	Upgrade
Change in Income Taxes	111	67	-19	21	32	26	Upgrade
Change in Other Net Operating Assets	-2,158	-4,672	-8,009	-3,961	-193	6,541	Upgrade
Other Operating Activities	176	312	338	324	118	53	Upgrade
Net Cash from Discontinued Operations	-	-	-	-30	-	-	Upgrade
Operating Cash Flow	62	-2,856	-6,662	213	2,200	6,382	Upgrade
Operating Cash Flow Growth	-	-	-	-90.32%	-65.53%	-	Upgrade
Capital Expenditures	-262	-299	-516	-193	-179	-178	Upgrade
Sale of Property, Plant and Equipment	29	19	57	51	19	64	Upgrade
Investment in Securities	-3,713	-2,623	-2,669	-1,157	-116	-4,961	Upgrade
Income (Loss) Equity Investments	1	-2	-	-2	-	-	Upgrade
Divestitures	-	-	-	214	-	55	Upgrade
Other Investing Activities	3	3	3	3	4	8	Upgrade
Investing Cash Flow	-3,943	-2,900	-3,125	-1,082	-272	-5,012	Upgrade
Long-Term Debt Issued	-	1,756	554	907	19	558	Upgrade
Long-Term Debt Repaid	-	-608	-62	-123	-57	-1,011	Upgrade
Net Debt Issued (Repaid)	741	1,148	492	784	-38	-453	Upgrade
Issuance of Common Stock	24	14	15	15	16	17	Upgrade
Repurchase of Common Stock	-109	-37	-17	-14	-15	-17	Upgrade
Common Dividends Paid	-405	-332	-	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	1,370	358	1,880	1,696	4,430	4,726	Upgrade
Other Financing Activities	-3	-	-	-	-	-	Upgrade
Financing Cash Flow	1,618	1,151	2,370	2,481	4,393	4,273	Upgrade
Foreign Exchange Rate Adjustments	-6	-10	-7	-8	-	-7	Upgrade
Net Cash Flow	-2,269	-4,615	-7,424	1,604	6,321	5,636	Upgrade
Free Cash Flow	-200	-3,155	-7,178	20	2,021	6,204	Upgrade
Free Cash Flow Growth	-	-	-	-99.01%	-67.42%	-	Upgrade
Free Cash Flow Margin	-7.66%	-116.68%	-284.50%	0.95%	110.38%	433.24%	Upgrade
Free Cash Flow Per Share	-0.22	-3.46	-7.85	0.02	2.21	6.78	Upgrade
Cash Income Tax Paid	-	-67	19	-21	-32	-26	Upgrade

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