Vietnam Maritime Commercial Joint Stock Bank (HOSE:MSB)

HOSE:MSB Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	5,519,377	5,519,377	4,644,214	4,616,213	4,034,740	2,011,144
Depreciation & Amortization	101,057	101,057	100,262	113,305	106,950	105,281
Change in Trading Asset Securities	-340,131	-27,707,292	-6,457,133	16,856,414	7,587,931	-9,857,848
Change in Other Net Operating Assets	-24,900,468	2,687,860	7,581,913	-34,887,067	-17,020,801	-16,584,672
Other Operating Activities	-1,021,430	1,285,870	886,576	1,525,161	2,246,491	2,459,906
Operating Cash Flow	-20,641,595	-18,113,128	6,755,832	-11,775,974	-3,044,689	-21,866,189
Capital Expenditures	-214,636	-149,963	-120,062	-174,712	-100,466	-87,514
Sale of Property, Plant and Equipment	43,817	42,107	503	1,762	3,390	2,851
Investment in Securities	15,814	-7,014	-	880	291,815	194,522
Other Investing Activities	-1	-1	1,631	-	-	174
Investing Cash Flow	-155,006	-114,871	-117,928	-172,070	194,739	110,033
Issuance of Common Stock	-	-	-	-	1,132,389	-
Net Increase (Decrease) in Deposit Accounts	34,926,439	22,262,320	15,229,350	22,504,361	7,421,611	15,645,409
Financing Cash Flow	34,926,439	22,262,320	15,229,350	22,504,361	8,554,000	15,645,409
Net Cash Flow	14,059,301	4,034,321	21,867,254	10,556,317	5,704,050	-6,110,747
Free Cash Flow	-20,856,231	-18,263,091	6,635,770	-11,950,686	-3,145,155	-21,953,703
Free Cash Flow Margin	-166.61%	-150.51%	62.35%	-116.99%	-34.87%	-359.35%
Free Cash Flow Per Share	-6685.15	-5853.56	2126.85	-3855.56	-1033.62	-7749.96
Cash Interest Paid	9,420,255	9,420,255	8,202,883	4,282,479	4,069,141	5,747,173
Cash Income Tax Paid	1,224,944	1,224,944	1,396,341	573,278	990,807	398,922

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