Saigon Treasure Commercial Joint Stock Bank (HOSE:STB)

HOSE:STB Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,525,316	5,939,111	10,087,495	7,718,616	5,040,695	3,411,496
Depreciation & Amortization	695,329	899,583	980,725	847,708	665,889	639,448
Other Amortization	-	-	-	302,988	-	-
Change in Trading Asset Securities	-25,353,111	-2,188,015	-10,394,318	-6,433,560	-8,645,116	3,304,346
Change in Other Net Operating Assets	-62,577,076	24,528,036	-19,430,649	-51,736,817	-34,915,826	-35,716,151
Other Operating Activities	26,380,397	11,839,428	984,575	9,184,900	13,573,650	10,119,484
Operating Cash Flow	-59,329,145	41,018,143	-17,772,172	-40,116,165	-24,280,708	-18,241,377
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-671,138	-926,085	-1,015,860	-1,287,591	-1,142,501	-606,832
Sale of Property, Plant and Equipment	94,535	141,534	2,947	9,921	2,841,841	345,743
Investment in Securities	-	-	372	-	-	176,019
Other Investing Activities	24,637	20,214	4,641	22,837	12,466	2,129
Investing Cash Flow	-551,966	-764,337	-1,007,900	-1,254,833	1,711,806	-82,941

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	508,956	1,809,625	-	474,811	2,495,286
Long-Term Debt Repaid	-	-4,327,904	-3,268,898	-37,078	-486,411	-159,998
Net Debt Issued (Repaid)	12,417,188	-3,818,948	-1,459,273	-37,078	-11,600	2,335,288
Issuance of Common Stock	-	-	-	-	-	2,434,950
Common Dividends Paid	-	-	-2	-25	-173	-89
Net Increase (Decrease) in Deposit Accounts	134,319,497	51,459,858	56,137,421	66,867,519	39,821,200	6,361,994
Financing Cash Flow	146,736,685	47,640,910	54,678,146	66,830,416	39,809,427	11,132,143

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	-105,511	84,812	87,265	-55,997	-206,855	-112,120
Net Cash Flow	86,750,063	87,979,528	35,985,339	25,403,421	17,033,670	-7,304,295

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	-60,000,283	40,092,058	-18,788,032	-41,403,756	-25,423,209	-18,848,209
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	-447.49%	193.94%	-70.36%	-184.19%	-147.30%	-132.24%
Free Cash Flow Per Share	-31826.75	21266.56	-9965.99	-21962.34	-13485.57	-10231.75

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	36,447,150	28,105,502	28,308,950	29,631,339	18,643,180	18,762,478
Cash Income Tax Paid	1,373,561	2,773,230	2,541,467	840,774	1,426,196	1,374,291

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 3, 2026

Data Sources Report a data error