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 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	17,056,276	16,524,388	12,762,953	10,070,898	7,749,794	6,053,519
Depreciation & Amortization	162,169	162,169	195,128	156,673	158,500	149,291
Other Amortization	89,838	89,838	-	-	-	-
Change in Trading Asset Securities	-26,909,346	-19,915,951	5,583,633	-12,275,475	26,010,304	-6,293,402
Change in Other Net Operating Assets	-152,998,059	-123,074,298	-84,246,888	-99,654,161	-71,656,185	-27,619,880
Other Operating Activities	3,918,885	7,800,541	4,623,814	7,944,618	4,093,834	2,633,034
Operating Cash Flow	-158,680,237	-118,413,313	-61,081,360	-93,757,447	-33,643,753	-25,077,438
Capital Expenditures	-377,590	-350,338	-541,148	-273,921	-122,001	-353,900
Sale of Property, Plant and Equipment	207,281	207,925	1,764	753	21,447	268
Investment in Securities	-	11,880	-640,700	-	500	51,775
Other Investing Activities	12,850	8,521	-	9,325	22,069	-
Investing Cash Flow	-157,459	-122,012	-1,180,084	-263,843	-77,985	-277,831
Long-Term Debt Issued	-	11,431,600	17,301,667	-	-	-
Long-Term Debt Repaid	-	-8,253,023	-1,174,801	-	-	-
Net Debt Issued (Repaid)	-134,829	3,178,577	16,126,866	-	-	-
Issuance of Common Stock	4,645,101	4,645,101	200,000	-	200,000	-
Common Dividends Paid	-	-	-2,912,550	-2,515,261	-	-
Net Increase (Decrease) in Deposit Accounts	236,203,496	193,824,703	53,696,887	174,414,492	17,924,675	40,729,857
Financing Cash Flow	240,713,768	201,648,381	67,111,203	171,899,231	18,124,675	40,729,857
Net Cash Flow	81,853,359	83,113,056	4,849,759	77,877,941	-15,597,063	15,374,588
Free Cash Flow	-159,057,827	-118,763,651	-61,622,508	-94,031,368	-33,765,754	-25,431,338
Free Cash Flow Margin	-471.11%	-360.46%	-214.63%	-424.60%	-178.67%	-175.97%
Free Cash Flow Per Share	-33514.56	-24643.61	-12160.83	-20888.35	-7537.96	-5649.38
Cash Interest Paid	37,284,869	32,013,429	29,501,519	25,602,661	14,319,631	12,302,702
Cash Income Tax Paid	4,181,898	2,591,536	4,466,688	2,241,447	1,154,553	1,489,686

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