Vietnam Technological and Commercial Joint Stock Bank (HOSE:TCB)

HOSE:TCB 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	21,985,733	21,522,928	18,003,802	20,150,377	18,052,250	12,324,991
Depreciation & Amortization	1,364,404	788,104	-	491,998	443,136	268,146
Other Amortization	1,624,264	793,159	-	265,169	165,013	118,617
Change in Trading Asset Securities	-32,797,903	-31,483,618	-19,726,027	14,214,283	-11,097,843	-16,005,291
Change in Other Net Operating Assets	-80,904,280	-14,986,321	-75,018,834	-86,521,873	-101,404,147	-44,094,526
Other Operating Activities	6,272,735	7,933,246	6,935,014	8,106,025	4,401,217	4,919,529
Operating Cash Flow	-82,455,047	-15,432,502	-69,806,045	-43,294,021	-89,440,374	-42,468,534
Capital Expenditures	-1,560,819	-1,618,886	-1,232,358	-1,110,111	-939,995	-665,860
Sale of Property, Plant and Equipment	1,512,728	1,741,528	22,156	44,111	57,506	6,837
Investment in Securities	-98,283	-56,278	-3,033,432	-	-1,497	-
Other Investing Activities	-1,214,537	-1,185,182	34,721	8,725	4,043	3,632
Investing Cash Flow	-1,360,911	-382,599	-2,912,466	-1,057,275	-879,943	-655,391
Long-Term Debt Repaid	-	-	-	-700,000	-	-157,713
Net Debt Issued (Repaid)	-	-	-	-700,000	-	-157,713
Issuance of Common Stock	198,242	198,242	52,664	63,178	60,053	47,602
Common Dividends Paid	-	-5,210,255	-	-	-	-
Net Increase (Decrease) in Deposit Accounts	108,335,241	57,809,057	81,859,332	98,762,522	102,268,595	32,380,067
Other Financing Activities	12,106,839	2,253	854	-72,754	-	-64,435
Financing Cash Flow	120,640,322	52,799,297	81,912,850	98,052,946	102,328,648	32,205,521
Net Cash Flow	36,813,870	36,984,196	9,194,339	53,701,650	12,008,331	-10,918,404
Free Cash Flow	-84,015,866	-17,051,388	-71,038,403	-44,404,132	-90,380,369	-43,134,394
Free Cash Flow Margin	-189.10%	-39.74%	-196.56%	-115.06%	-262.65%	-174.16%
Free Cash Flow Per Share	-11892.09	-2419.81	-10083.49	-6319.92	-12887.35	-6161.47
Cash Interest Paid	26,901,656	26,124,464	25,941,911	12,185,090	9,042,851	10,155,492
Cash Income Tax Paid	7,214,552	4,089,321	5,048,936	2,301,394	4,829,911	2,881,901

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