HOSE:OCB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2018 - 2019
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2018 - 2019
Net Income	3,889,000	3,173,423	3,303,303	3,509,718	4,404,959	3,534,772	Upgrade
Depreciation & Amortization	69,985	69,985	-	98,438	97,024	92,270	Upgrade
Other Amortization	51,575	51,575	-	-	-	-	Upgrade
Change in Trading Asset Securities	63,752	41,474	318,570	-234,237	-60,219	5,215	Upgrade
Change in Other Net Operating Assets	-16,190,840	-31,426,502	-22,575,927	-356,185	-20,681,253	-26,905,706	Upgrade
Other Operating Activities	1,531,795	-135,883	3,445,558	1,264,816	1,229,774	1,456,600	Upgrade
Operating Cash Flow	-10,584,733	-28,225,928	-15,508,496	4,282,549	-15,009,714	-21,816,849	Upgrade
Capital Expenditures	-603,845	-278,200	-381,840	-3,134,727	-125,359	-48,090	Upgrade
Sale of Property, Plant and Equipment	61,679	60,694	1,350,312	1,600,233	55,889	13,122	Upgrade
Investment in Securities	-	-	-	-	3,000	3,750	Upgrade
Other Investing Activities	317.4	-	-	-	-	151.8	Upgrade
Investing Cash Flow	-541,849	-217,507	968,472	-1,534,494	-66,471	-31,066	Upgrade
Issuance of Common Stock	-	-	-	-	-	2,420,424	Upgrade
Common Dividends Paid	-1,712,793	-28.23	-4.25	-7.73	-303.17	-18.48	Upgrade
Net Increase (Decrease) in Deposit Accounts	22,482,483	30,482,247	32,143,965	-6,000,805	20,566,044	22,498,174	Upgrade
Other Financing Activities	-	-	-	-	-275	-	Upgrade
Financing Cash Flow	20,769,690	30,482,219	32,143,961	-6,000,813	20,565,466	24,918,580	Upgrade
Net Cash Flow	9,664,416	2,038,784	17,603,937	-3,252,757	5,489,281	3,070,665	Upgrade
Free Cash Flow	-11,188,578	-28,504,129	-15,890,336	1,147,823	-15,135,074	-21,864,939	Upgrade
Free Cash Flow Margin	-123.96%	-364.97%	-217.35%	15.37%	-191.06%	-323.95%	Upgrade
Free Cash Flow Per Share	-4250.13	-10703.56	-5966.96	431.02	-5683.36	-8993.25	Upgrade
Cash Interest Paid	10,893,141	11,394,132	9,438,710	6,470,356	5,643,668	5,554,040	Upgrade
Cash Income Tax Paid	786,576	852,812	865,018	873,300	1,154,658	762,882	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.