Southeast Asia Commercial Joint Stock Bank (HOSE:SSB)

HOSE:SSB 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	6,626,185	4,816,026	3,676,955	4,052,928	2,606,518	1,360,465
Depreciation & Amortization	238,997	166,131	158,474	134,237	120,744	116,778
Other Amortization	107,005	45,383	40,361	31,164	26,493	23,131
Change in Trading Asset Securities	-12,617,942	-4,112,640	-10,085,392	17,270,429	5,161,712	-13,040,626
Change in Other Net Operating Assets	-15,190,223	-12,639,338	-33,799,565	-21,774,810	-13,767,429	-18,370,174
Other Operating Activities	408,538	2,589,138	656,488	1,034,846	2,064,602	1,434,119
Operating Cash Flow	-20,427,440	-9,135,300	-39,352,679	748,794	-3,787,360	-28,476,307
Capital Expenditures	-267,356	-236,866	-310,061	-296,243	-114,013	-177,467
Sale of Property, Plant and Equipment	11,358	423	29	-	-	491
Investment in Securities	4,300,000	-	-	24,102	40,905	17,082
Other Investing Activities	8,267	1,445	14,384	7,937	3,710	4,306
Investing Cash Flow	4,073,682	-226,595	-290,372	-257,487	105,486	-156,108
Issuance of Common Stock	100,000	-	504,000	3,610,673	2,405,623	1,406,782
Net Increase (Decrease) in Deposit Accounts	63,886,973	42,085,771	36,271,146	7,116,263	12,357,365	28,596,301
Financing Cash Flow	63,986,973	42,085,771	36,775,146	10,726,936	14,762,988	30,003,083
Net Cash Flow	47,633,215	32,723,876	-2,867,905	11,218,243	11,081,114	1,370,668
Free Cash Flow	-20,694,796	-9,372,166	-39,662,740	452,551	-3,901,373	-28,653,774
Free Cash Flow Margin	-166.16%	-92.16%	-482.26%	5.34%	-66.97%	-733.52%
Free Cash Flow Per Share	-7285.00	-3305.88	-14194.33	157.98	-1553.31	-12777.18
Cash Interest Paid	11,594,047	11,571,384	12,604,135	7,392,022	6,735,566	7,588,326
Cash Income Tax Paid	1,322,620	966,506	794,401	877,938	566,024	361,787

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