HOSE:MBB 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	26,778,939	22,633,757	20,676,788	17,482,735	12,697,075
Depreciation & Amortization	580,402	890,564	920,145	876,216	722,305
Other Amortization	578,813	742,947	552,051	473,886	373,412
Change in Trading Asset Securities	-12,447,917	-25,260,937	-28,632,831	-27,072,559	-33,797,226
Change in Other Net Operating Assets	-232,231,275	-179,912,075	-119,778,248	-64,367,185	-65,207,314
Other Operating Activities	11,155,026	5,348,339	8,936,081	10,013,358	7,017,435
Operating Cash Flow	-205,586,012	-175,557,405	-117,326,014	-62,593,549	-78,194,313
Capital Expenditures	-1,780,261	-2,301,696	-1,655,386	-1,748,106	-1,259,868
Sale of Property, Plant and Equipment	231,289	6,927	3,714	2,048	7,861
Investment in Securities	269,110	3,917	-10,824	170,949	13,291
Other Investing Activities	59,336	52,643	57,083	131,941	114,835
Investing Cash Flow	-1,213,246	-2,238,209	-1,605,413	-1,443,168	-1,123,881
Long-Term Debt Issued	12,173,563	9,405,554	3,449,000	2,120,000	-
Long-Term Debt Repaid	-6,143,554	-	-	-	-
Net Debt Issued (Repaid)	6,030,009	9,405,554	3,449,000	2,120,000	-
Issuance of Common Stock	-	2,160,445	-	-	-
Common Dividends Paid	-2,072,592	-2,806,251	-2,266,993	-	-
Net Increase (Decrease) in Deposit Accounts	345,061,557	156,981,021	158,620,626	64,469,878	82,662,611
Financing Cash Flow	349,018,974	165,740,769	159,802,633	66,589,878	82,662,611
Net Cash Flow	142,219,716	-12,054,845	40,871,206	2,553,161	3,344,417
Free Cash Flow	-207,366,273	-177,859,101	-118,981,400	-64,341,655	-79,454,181
Free Cash Flow Margin	-384.37%	-388.03%	-288.66%	-171.37%	-274.89%
Free Cash Flow Per Share	-25743.80	-22169.19	-14997.83	-8129.10	-10041.63
Cash Interest Paid	34,607,938	30,835,949	24,699,677	14,426,925	12,053,063
Cash Income Tax Paid	6,517,907	6,021,975	5,078,090	2,372,089	2,962,863

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