HOSE:HDB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Net Income	14,510,666	12,762,953	10,070,898	7,749,794	6,053,519	4,248,949	Upgrade
Depreciation & Amortization	102,514	57,092	156,673	158,500	149,291	112,323	Upgrade
Other Amortization	51,676	51,676	-	-	-	-	Upgrade
Change in Trading Asset Securities	-14,226,486	5,583,633	-12,275,475	26,010,304	-6,293,402	-29,942,396	Upgrade
Change in Other Net Operating Assets	-93,958,729	-68,524,013	-99,654,161	-71,656,185	-27,619,880	-27,310,673	Upgrade
Other Operating Activities	11,813,020	4,710,174	7,944,618	4,093,834	2,633,034	3,868,191	Upgrade
Operating Cash Flow	-81,707,339	-45,358,485	-93,757,447	-33,643,753	-25,077,438	-49,023,606	Upgrade
Capital Expenditures	-329,650	-541,148	-273,921	-122,001	-353,900	-282,765	Upgrade
Sale of Property, Plant and Equipment	208,605	1,764	753	21,447	268	616	Upgrade
Investment in Securities	14,444	-640,700	-	500	51,775	-	Upgrade
Other Investing Activities	4,896	-	9,325	22,069	-	260	Upgrade
Investing Cash Flow	-101,705	-1,180,084	-263,843	-77,985	-277,831	-254,886	Upgrade
Net Debt Issued (Repaid)	-4,419,112	-	-	-	-	-	Upgrade
Issuance of Common Stock	200,000	200,000	-	200,000	-	32,815	Upgrade
Repurchase of Common Stock	-	-	-	-	-	-344,752	Upgrade
Common Dividends Paid	-	-2,912,550	-2,515,261	-	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	128,860,424	54,100,878	174,414,492	17,924,675	40,729,857	73,983,750	Upgrade
Other Financing Activities	1	-	-	-	-	-	Upgrade
Financing Cash Flow	124,641,313	51,388,328	171,899,231	18,124,675	40,729,857	73,671,813	Upgrade
Net Cash Flow	42,740,349	4,849,759	77,877,941	-15,597,063	15,374,588	24,393,321	Upgrade
Free Cash Flow	-82,036,989	-45,899,633	-94,031,368	-33,765,754	-25,431,338	-49,306,371	Upgrade
Free Cash Flow Margin	-271.49%	-159.87%	-424.60%	-178.67%	-175.97%	-411.65%	Upgrade
Free Cash Flow Per Share	-18075.76	-10180.10	-20888.35	-7537.96	-5649.38	-11066.24	Upgrade
Cash Interest Paid	28,628,627	29,501,519	25,602,661	14,319,631	12,302,702	10,040,444	Upgrade
Cash Income Tax Paid	3,410,761	4,466,688	2,241,447	1,154,553	1,489,686	1,199,487	Upgrade

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