HOSE:MBB 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	27,726,712	26,778,939	22,633,757	20,676,788	17,482,735	12,697,075
Depreciation & Amortization	753,144	834,694	881,042	920,145	876,216	722,305
Other Amortization	3,118,831	3,020,166	742,947	552,051	473,886	373,412
Change in Trading Asset Securities	-15,233,996	-12,447,917	-25,260,937	-28,632,831	-27,072,559	-33,797,226
Change in Other Net Operating Assets	-118,988,526	-96,501,517	-169,552,956	-119,778,248	-64,367,185	-65,207,314
Other Operating Activities	7,760,627	8,459,381	5,357,861	8,936,081	10,013,358	7,017,435
Operating Cash Flow	-94,863,208	-69,856,254	-165,198,286	-117,326,014	-62,593,549	-78,194,313
Capital Expenditures	-2,266,384	-1,780,261	-2,301,696	-1,655,386	-1,748,106	-1,259,868
Sale of Property, Plant and Equipment	233,018	231,289	6,927	3,714	2,048	7,861
Investment in Securities	2,459,045	2,387,256	3,917	-10,824	170,949	13,291
Other Investing Activities	59,326	59,336	52,643	57,083	131,941	114,835
Investing Cash Flow	492,285	904,900	-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)	32,883	6,030,009	9,405,554	3,449,000	2,120,000	-
Issuance of Common Stock	85,922	-	2,160,445	-	-	-
Common Dividends Paid	-1,830,682	-1,830,682	-2,643,542	-2,266,993	-	-
Net Increase (Decrease) in Deposit Accounts	193,323,770	207,213,653	146,621,902	158,620,626	64,469,878	82,662,611
Other Financing Activities	-241,910	-241,910	-162,709	-	-	-
Financing Cash Flow	191,369,983	211,171,070	155,381,650	159,802,633	66,589,878	82,662,611
Net Cash Flow	96,999,060	142,219,716	-12,054,845	40,871,206	2,553,161	3,344,417
Free Cash Flow	-97,129,592	-71,636,515	-167,499,982	-118,981,400	-64,341,655	-79,454,181
Free Cash Flow Margin	-173.89%	-132.78%	-365.43%	-288.66%	-171.37%	-274.89%
Free Cash Flow Per Share	-12058.30	-8893.42	-20877.98	-14997.83	-8129.10	-10041.63
Cash Interest Paid	39,782,910	34,607,938	30,835,949	24,699,677	14,426,925	12,053,063
Cash Income Tax Paid	7,212,384	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.