HOSE:MSB 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	5,628,520	5,519,377	4,644,214	4,616,213	4,034,740
Depreciation & Amortization	97,452	69,774	100,262	113,305	106,950
Other Amortization	31,299	31,283	-	-	-
Change in Trading Asset Securities	-29,758,560	-27,707,292	-6,457,133	16,856,414	7,587,931
Change in Other Net Operating Assets	-4,318,228	2,687,860	7,581,913	-34,887,067	-17,020,801
Other Operating Activities	-2,046,350	1,285,870	886,576	1,525,161	2,246,491
Operating Cash Flow	-30,365,867	-18,113,128	6,755,832	-11,775,974	-3,044,689
Capital Expenditures	-188,824	-149,963	-120,062	-174,712	-100,466
Sale of Property, Plant and Equipment	2,906	42,107	503	1,762	3,390
Investment in Securities	15,814	-7,014	-	880	291,815
Other Investing Activities	-	-1	1,631	-	-
Investing Cash Flow	-170,104	-114,871	-117,928	-172,070	194,739
Issuance of Common Stock	-	-	-	-	1,132,389
Net Increase (Decrease) in Deposit Accounts	42,059,175	22,262,320	15,229,350	22,504,361	7,421,611
Financing Cash Flow	42,059,175	22,262,320	15,229,350	22,504,361	8,554,000
Net Cash Flow	11,523,204	4,034,321	21,867,254	10,556,317	5,704,050
Free Cash Flow	-30,554,691	-18,263,091	6,635,770	-11,950,686	-3,145,155
Free Cash Flow Margin	-251.98%	-150.51%	62.35%	-116.99%	-34.87%
Free Cash Flow Per Share	-9793.17	-5853.56	2126.85	-3855.56	-1033.62
Cash Interest Paid	9,143,828	9,420,255	8,202,883	4,282,479	4,069,141
Cash Income Tax Paid	1,112,856	1,224,944	1,396,341	573,278	990,807

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