HOSE:VAB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019	2018 - 2016
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '19 Dec 31, 2019	2018 - 2016
Net Income	1,301,934	876,765	758,343	890,628	-	Upgrade
Depreciation & Amortization	35,643	34,144	-	-	-	Upgrade
Change in Trading Asset Securities	-5,248,941	-6,715,203	9,615	-5,611	-	Upgrade
Change in Other Net Operating Assets	-3,125,099	-8,985,724	-17,659,774	-3,737,174	-	Upgrade
Other Operating Activities	764,067	3,276,914	-1,457,088	-1,995,993	-	Upgrade
Operating Cash Flow	-6,272,396	-11,513,104	-18,348,904	-4,848,150	-	Upgrade
Capital Expenditures	-265,202	-26,144	-67,593	-21,706	-	Upgrade
Sale of Property, Plant and Equipment	638	804	66.52	195.59	-	Upgrade
Investment in Securities	-	-	52,364	-21,100	-	Upgrade
Other Investing Activities	22,914	8,303	11,098	13,582	-	Upgrade
Investing Cash Flow	-241,650	-17,037	-4,065	-29,028	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	14,073,771	3,816,030	16,486,310	2,517,560	-	Upgrade
Financing Cash Flow	14,073,771	3,816,030	16,486,310	2,517,560	-	Upgrade
Net Cash Flow	7,559,724	-7,714,110	-1,866,659	-2,359,619	-	Upgrade
Free Cash Flow	-6,537,598	-11,539,248	-18,416,497	-4,869,856	-	Upgrade
Free Cash Flow Margin	-249.64%	-549.89%	-1002.16%	-253.08%	-	Upgrade
Free Cash Flow Per Share	-8008.22	-14134.90	-	-	-	Upgrade
Cash Interest Paid	6,395,573	5,595,016	6,389,272	4,089,639	-	Upgrade
Cash Income Tax Paid	251,969	205,176	179,521	207,616	-	Upgrade

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