HOSE:ACB 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
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	16,266,821	15,624,699	16,789,768	16,044,733	13,688,193	9,602,746
Depreciation & Amortization	457,440	455,224	433,368	475,668	384,392	375,654
Other Amortization	117,449	117,449	-	-	-	-
Change in Trading Asset Securities	-18,913,770	-27,032,699	-43,617,363	-3,595,140	-6,322,127	-651,038
Change in Other Net Operating Assets	-59,814,303	-54,057,821	-41,407,896	-69,104,907	-36,094,803	-28,991,681
Other Operating Activities	3,879,716	1,769,754	-514,499	2,900,084	2,139,862	2,346,690
Operating Cash Flow	-58,006,647	-63,123,394	-68,316,622	-53,279,562	-26,204,483	-17,317,629
Capital Expenditures	-872,975	-701,864	-919,740	-1,276,249	-511,513	-636,100
Sale of Property, Plant and Equipment	71,371	72,205	147,865	4,038	4,741	3,265
Investment in Securities	52,078	52,078	3,507	-	-4,069	-
Other Investing Activities	142,793	119,157	35,058	74,955	59,599	21,979
Investing Cash Flow	-463,787	-304,232	-733,310	-1,197,256	-365,878	-462,403
Long-Term Debt Repaid	-	-	-	-	-	-2,884,000
Net Debt Issued (Repaid)	-	-	-	-	-	-2,884,000
Common Dividends Paid	-4,466,658	-4,466,658	-3,884,051	-3,377,435	-	-
Net Increase (Decrease) in Deposit Accounts	69,037,601	91,283,468	76,686,853	90,415,763	47,479,022	57,243,528
Financing Cash Flow	64,570,943	86,816,810	72,802,802	87,038,328	47,479,022	54,359,528
Net Cash Flow	6,076,821	23,389,184	3,752,870	32,561,510	20,908,661	36,579,496
Free Cash Flow	-58,879,622	-63,825,258	-69,236,362	-54,555,811	-26,715,996	-17,953,729
Free Cash Flow Margin	-187.52%	-209.45%	-217.02%	-176.35%	-93.12%	-88.84%
Free Cash Flow Per Share	-11462.66	-12425.45	-13478.88	-10620.88	-5201.05	-3495.22
Cash Interest Paid	32,217,320	29,920,751	23,737,584	25,262,835	16,232,032	15,219,854
Cash Income Tax Paid	3,917,613	4,335,459	4,108,348	4,003,037	1,580,115	2,282,359

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