HOSE:MSB 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	5,877,141	5,628,520	5,519,377	4,644,214	4,616,213	4,034,740
Depreciation & Amortization	91,618	96,479	111,039	100,262	113,305	106,950
Other Amortization	40,320	31,299	-	-	-	-
Change in Trading Asset Securities	-20,974,838	-29,758,560	-27,707,292	-6,457,133	16,856,414	7,587,931
Change in Other Net Operating Assets	18,844,067	-4,318,228	2,687,860	7,581,913	-34,887,067	-17,020,801
Other Operating Activities	-1,262,312	-2,045,377	1,275,888	886,576	1,525,161	2,246,491
Operating Cash Flow	2,615,996	-30,365,867	-18,113,128	6,755,832	-11,775,974	-3,044,689
Capital Expenditures	-209,732	-188,824	-149,963	-120,062	-174,712	-100,466
Sale of Property, Plant and Equipment	4,722	2,906	42,107	503	1,762	3,390
Investment in Securities	15,814	15,814	-7,014	-	880	291,815
Other Investing Activities	-14	-	-1	1,631	-	-
Investing Cash Flow	-189,210	-170,104	-114,871	-117,928	-172,070	194,739
Issuance of Common Stock	-	-	-	-	-	1,132,389
Net Increase (Decrease) in Deposit Accounts	30,860,692	42,059,175	22,262,320	15,229,350	22,504,361	7,421,611
Financing Cash Flow	30,860,692	42,059,175	22,262,320	15,229,350	22,504,361	8,554,000
Net Cash Flow	33,367,622	11,523,204	4,034,321	21,867,254	10,556,317	5,704,050
Free Cash Flow	2,406,264	-30,554,691	-18,263,091	6,635,770	-11,950,686	-3,145,155
Free Cash Flow Margin	19.39%	-251.98%	-150.51%	62.35%	-116.99%	-34.87%
Free Cash Flow Per Share	771.24	-9793.17	-5853.56	2126.85	-3855.56	-1033.62
Cash Interest Paid	9,946,909	9,143,828	9,420,255	8,202,883	4,282,479	4,069,141
Cash Income Tax Paid	1,394,921	1,112,856	1,224,944	1,396,341	573,278	990,807