HOSE:MSB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
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	2020 - 2016
Net Income	5,628,520	5,628,520	5,519,377	4,644,214	4,616,213	4,034,740	Upgrade
Depreciation & Amortization	96,479	96,479	111,039	100,262	113,305	106,950	Upgrade
Other Amortization	31,299	31,299	-	-	-	-	Upgrade
Change in Trading Asset Securities	-20,974,838	-29,758,560	-27,707,292	-6,457,133	16,856,414	7,587,931	Upgrade
Change in Other Net Operating Assets	18,844,067	-4,318,228	2,687,860	7,581,913	-34,887,067	-17,020,801	Upgrade
Other Operating Activities	-1,009,531	-2,045,377	1,275,888	886,576	1,525,161	2,246,491	Upgrade
Operating Cash Flow	2,615,996	-30,365,867	-18,113,128	6,755,832	-11,775,974	-3,044,689	Upgrade
Capital Expenditures	-209,732	-188,824	-149,963	-120,062	-174,712	-100,466	Upgrade
Sale of Property, Plant and Equipment	4,722	2,906	42,107	503	1,762	3,390	Upgrade
Investment in Securities	15,814	15,814	-7,014	-	880	291,815	Upgrade
Other Investing Activities	-14	-	-1	1,631	-	-	Upgrade
Investing Cash Flow	-189,210	-170,104	-114,871	-117,928	-172,070	194,739	Upgrade
Issuance of Common Stock	-	-	-	-	-	1,132,389	Upgrade
Net Increase (Decrease) in Deposit Accounts	30,860,692	42,059,175	22,262,320	15,229,350	22,504,361	7,421,611	Upgrade
Financing Cash Flow	30,860,692	42,059,175	22,262,320	15,229,350	22,504,361	8,554,000	Upgrade
Net Cash Flow	33,367,622	11,523,204	4,034,321	21,867,254	10,556,317	5,704,050	Upgrade
Free Cash Flow	2,406,264	-30,554,691	-18,263,091	6,635,770	-11,950,686	-3,145,155	Upgrade
Free Cash Flow Margin	19.39%	-251.98%	-150.51%	62.35%	-116.99%	-34.87%	Upgrade
Free Cash Flow Per Share	770.94	-9793.17	-5853.56	2126.85	-3855.56	-1033.62	Upgrade
Cash Interest Paid	9,143,828	9,143,828	9,420,255	8,202,883	4,282,479	4,069,141	Upgrade
Cash Income Tax Paid	1,112,856	1,112,856	1,224,944	1,396,341	573,278	990,807	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.