Bao Minh Insurance 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	259,787	237,674	328,993	281,858	255,082
Depreciation & Amortization	18,319	15,870	17,211	17,909	19,314
Other Amortization	2,518	2,130	-	-	-
Gain (Loss) on Sale of Assets	-264,432	-275,802	-391,084	-281,443	-242,762
Change in Accounts Receivable	-27,979	-159,076	-309,924	-45,690	428,152
Change in Accounts Payable	-	173,302	16,787	-32,868	-
Change in Other Net Operating Assets	-208,198	66,561	-61,972	-159,529	-228,996
Other Operating Activities	166,594	97,749	-1,129	132,335	212,327
Operating Cash Flow	-251,404	135,498	-413,740	-84,005	541,113
Operating Cash Flow Growth	-	-	-	-	81.47%
Capital Expenditures	-5,070	-7,748	-10,695	-1,982	-11,139
Sale of Property, Plant & Equipment	253.21	746.57	296.11	22.09	891.71
Investment in Securities	-97,761	-207,900	-12,999	-	-
Other Investing Activities	190,675	402,265	503,366	284,575	259,915
Investing Cash Flow	88,098	187,364	479,969	196,510	-288,539
Common Dividends Paid	-66,321	-60,293	-54,812	-164,436	-182,708
Financing Cash Flow	-66,321	-60,293	-54,812	-164,436	-182,708
Foreign Exchange Rate Adjustments	280.12	1,895	1,487	-3.01	963.84
Net Cash Flow	-229,348	264,465	12,904	-51,934	70,830
Free Cash Flow	-256,474	127,750	-424,434	-85,987	529,974
Free Cash Flow Growth	-	-	-	-	89.74%
Free Cash Flow Margin	-4.54%	2.35%	-8.29%	-1.80%	12.91%
Free Cash Flow Per Share	-1703.60	848.55	-2819.22	-571.14	3520.20
Cash Income Tax Paid	28,850	50,016	56,000	42,186	21,307
Levered Free Cash Flow	-92,785	552,607	40,410	8,537	65,642
Unlevered Free Cash Flow	-92,729	552,909	40,962	8,935	65,781
Change in Working Capital	-434,189	57,877	-367,731	-234,665	297,152

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