Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)

Vietnam · Delayed Price · Currency is VND

24,350

-650 (-2.60%)

At close: Feb 9, 2026

HOSE:BIC 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 2021
Period Ending	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	544,057	493,625	449,786	314,169	394,966
Depreciation & Amortization	11,313	9,765	8,953	8,347	6,705
Other Amortization	-	267.48	-	-	-
Gain (Loss) on Sale of Assets	-367,340	-328,431	-378,700	-262,448	-245,679
Change in Accounts Receivable	-352,558	-90,705	54,640	-37,016	113,065
Change in Accounts Payable	-	-	-	151,806	-35,478
Change in Other Net Operating Assets	251,484	274,417	80,160	-71,045	-23,200
Other Operating Activities	193,615	76,059	384,845	300,385	2,084
Operating Cash Flow	259,514	359,706	441,276	426,396	267,232
Operating Cash Flow Growth	-27.85%	-18.48%	3.49%	59.56%	-
Capital Expenditures	-22,012	-29,564	-28,290	-10,685	-16,259
Sale of Property, Plant & Equipment	372.49	40.27	-	-	5.75
Investment in Securities	-	-6,034,170	-4,996,637	-	-
Other Investing Activities	320,869	380,155	332,007	274,529	268,249
Investing Cash Flow	-205,351	-402,695	-299,758	-246,987	-321,568
Short-Term Debt Issued	-	767,953	-	-	-
Long-Term Debt Issued	1,684,858	-	-	-	-
Total Debt Issued	1,684,858	767,953	-	-	-
Total Debt Repaid	-1,550,362	-484,032	-	-7,286	-
Net Debt Issued (Repaid)	134,497	283,921	-	-7,286	-
Common Dividends Paid	-175,857	-175,863	-152,440	-175,854	-12.32
Financing Cash Flow	-41,360	108,058	-152,440	-183,140	-12.32
Foreign Exchange Rate Adjustments	2,247	3,160	3,425	2,103	-13,211
Net Cash Flow	15,049	68,229	-7,497	-1,627	-67,559
Free Cash Flow	237,502	330,143	412,986	415,711	250,973
Free Cash Flow Growth	-28.06%	-20.06%	-0.66%	65.64%	-
Free Cash Flow Margin	4.92%	7.11%	10.29%	13.91%	10.17%
Free Cash Flow Per Share	1192.19	1633.82	2043.80	2057.28	1242.02
Cash Interest Paid	17,229	5,076	4.23	33.02	87.42
Cash Income Tax Paid	165,131	139,133	80,638	44,884	134,559
Levered Free Cash Flow	733,359	424,928	78,458	127,283	-80,066
Unlevered Free Cash Flow	743,688	428,242	78,460	127,304	-80,012
Change in Working Capital	-122,131	108,421	-23,609	65,943	109,155

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